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

$17.35M

P/E (TTM)

-0.2

17.1

Dividend Yield

52W High

$62.72

52W Low

$1.38

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

$286.79M+0.00%

4-Quarter Trend

EPS

-$9.25+0.00%

4-Quarter Trend

FCF

-$7.44M+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Operating Cash Flow Improvement Operating cash used $2.78M, sharp improvement versus $67.98M used in prior nine months period.

Credit Loss Provision Rises Credit loss provision $327.32M, increasing 16.2% as ACL ratio reached 25.53% of receivables.

Interest Income Growth Interest income grew 5.0% to $193.50M, partially offsetting $51.3M decline in core sales revenue nine months.

Total Equity Decline Total stockholders' equity declined to $479.32M as of January 31, 2026, down from $569.42M previously.

Risk Factors

Delinquency Rate Increase Accounts over 30 days past due rose to 4.4% from 3.7% due to affordability pressures impacting customers.

Rising ACL Ratio Allowance for credit losses increased to 25.53% of receivables due to portfolio seasoning and economic factors.

Lender Distribution Restrictions Current lenders restrict common stock repurchases and dividends without prior consent as of January 31, 2026.

Colonial Valuation Allowance Established $47.0M non-cash valuation allowance against Colonial's net deferred tax assets in Q3 2026.

Outlook

Footprint Optimization Strategy Closed eighteen dealerships during quarter as part of ongoing footprint optimization initiatives across footprint.

Credit Infrastructure Investment Advanced LOS deployment, strengthening underwriting discipline and improving collection effectiveness for future growth.

Liquidity Focus Areas Expects to use cash to maintain operations, selectively grow receivables, and reduce outstanding debt.

New Scoring Model Use Implemented new seven-rank scorecard in May 2025 improving loss ratio projections accuracy for originations.

Peer Comparison

Revenue (TTM)

DBI

$2.90B

-1.6%

CRMT

$1.10B

-20.3%

SRI

$804.22M

-9.3%

Gross Margin (Latest Quarter)

JILL

68.3%

-0.5pp

INSE

58.6%

+0.2pp

LOVE

52.1%

-2.4pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
DBI	$349.35M	17.0	7.9%	61.4%
FLXS	$337.83M	10.8	17.7%	18.6%
RCKY	$302.41M	16.3	7.5%	25.6%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

31.7%

Strong Growth

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:Sep 9, 2026

EPS:-$0.50

Revenue:$320.96M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data