America's Car-Mart, Inc.

NASDAQ•CRMT

CEO: Mr. Douglas Campbell

Sector: Consumer Cyclical

Industry: Auto - Dealerships

Listing Date: 1987-03-13

America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer for the used car market in the United States. It primarily sells older model used vehicles and provides financing for its customers. The company was founded in 1981 and is headquartered in Rogers, Arkansas.

Contact Information

1805 North 2nd Street, Suite 401, Rogers, AR, 72756, United States

479-464-9944

www.car-mart.com

Market Cap

$112.23M

P/E (TTM)

-0.9

13.7

Dividend Yield

52W High

$62.72

52W Low

$13.38

52W Range

Rank41Top 44.9%

4.0

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$222.62M+0.00%

4-Quarter Trend

EPS

-$12.67+0.00%

4-Quarter Trend

FCF

-$7.44M+0.00%

4-Quarter Trend

2025 Q2 Earnings Highlights

Key Highlights

Debt Facility Restructuring Complete Secured $300M term loan on Oct 30, 2025, utilizing proceeds to fully repay outstanding revolving line of credit facility.

Cash Position Substantially Increased Cash, cash equivalents, and restricted cash ended period at $122.4M, significantly up from $9.8M at April 30, 2025.

Credit Loss Provision Rises Six-month provision for credit losses increased 13.9% to $222.1M, reflecting higher loss frequency and portfolio maturation.

Six-Month Net Loss Reported Reported net loss of $(34.9M) for six months ended October 31, 2025, compared to $5.9M income prior year.

Risk Factors

Deteriorating Credit Performance Provision for credit losses increased 13.9% to $222.1M for six months, driven by macroeconomic factors and portfolio maturation.

Sales Revenue Decline Six-month sales revenue fell 1.8% to $562.6M, primarily due to a 3.4% decrease in retail units sold volume.

Material Weakness Remediation Material weakness in internal control over financial reporting related to loan modification disclosures is currently being addressed.

Customer Affordability Strain Rising costs strain customer affordability, impacting unit sales volume and increasing risk of delinquency and default rates.

Outlook

Focus on Underwriting Discipline Implementing new LOS tightened credit approval standards, focusing on higher down payments and shorter terms for better quality customers.

Improving Collection Efficiency Enhanced payments platform streamlined processes, leading to a 5.4% increase in total collections of principal and interest.

Gross Margin Initiatives Impact Gross margin improved sequentially due to stronger wholesale retention and reduced frequency/severity of vehicle repair costs.

Future Liquidity Strategy Expects to use cash from operations and financing sources to grow receivables portfolio and fund dealership acquisitions.

Peer Comparison

Revenue (TTM)

DBI

$2.89B

-5.2%

CRMT

$1.04B

-25.0%

SRI

$861.31M

-5.2%

Gross Margin (Latest Quarter)

JILL

70.9%

-0.5pp

LOVE

56.1%

-2.4pp

SDA

54.4%

+1.1pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
RCKY	$319.87M	14.3	9.2%	26.0%
DBI	$274.98M	-10.4	-9.4%	61.9%
FLXS	$242.53M	11.5	12.4%	19.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

21.1%

Strong Growth

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:May 25, 2026

EPS:$0.40

Revenue:$367.76M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data