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America's Car-Mart, Inc.

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
$234.00M
P/E (TTM)
-16.2
12.4
Dividend Yield
--
52W High
$62.72
52W Low
$17.78
52W Range
23%
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

Q2 2025 Data

Revenue

$350.19M+0.84%
4-Quarter Trend

EPS

-$2.72-538.71%
4-Quarter Trend

FCF

$9.52M-140.35%
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)

America's Car-Mart, Inc.CRMT
$1.14B
-15.9%
The Lovesac CompanyLOVE
$690.56M
+0.1%
Hamilton Beach Brands Holding CompanyHBB
$607.43M
-6.2%

Gross Margin (Latest Quarter)

Inspired Entertainment, Inc.INSE
70.2%
+0.2pp
The Lovesac CompanyLOVE
56.1%
-2.4pp
SunCar Technology Group Inc.SDA
54.4%
+1.1pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HBB$255.72M8.019.4%11.0%
INSE$252.84M4.9-921.7%77.4%
RCKY$242.42M11.78.6%28.6%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.4%
Moderate Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
50%
Cash Flow Needs Attention

Research & Insights

Next earnings:Mar 4, 2026
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EPS:-
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q2 2025

    Period End: Oct 31, 2025|Filed: Dec 9, 2025|
    Revenue: $350.19M+0.8%
    |
    EPS: $-2.72-538.7%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Jul 31, 2025|Filed: Sep 9, 2025|
    Revenue: $341.31M-1.9%
    |
    EPS: $-0.69+360.0%
    Miss

  • Form 10-K - FY 2024

    Period End: Apr 30, 2025|Filed: Aug 8, 2025|
    Revenue: $1.39B-0.2%
    |
    EPS: $2.38+148.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Jan 31, 2025|Filed: Mar 10, 2025|
    Revenue: $325.73M+8.7%
    |
    EPS: $0.38-128.4%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Oct 31, 2024|Filed: Dec 9, 2024|
    Revenue: $347.27M-4.0%
    |
    EPS: $0.62-114.4%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Jul 31, 2024|Filed: Sep 16, 2024|
    Revenue: $347.76M-5.5%
    |
    EPS: $-0.15-123.1%
    Miss

  • Form 10-K - FY 2023

    Period End: Apr 30, 2024|Filed: Jul 15, 2024|
    Revenue: $1.39B-0.8%
    |
    EPS: $-4.91-253.4%
    Miss

  • Form 10-Q - Q3 2023

    Period End: Jan 31, 2024|Filed: Mar 11, 2024|
    Revenue: $299.61M-8.2%
    |
    EPS: $-1.34-658.3%
    Miss