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
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)
$2.89B
$1.04B
$861.31M
Gross Margin (Latest Quarter)
70.9%
56.1%
54.4%
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