America's Car-Mart, Inc.

CRMT

Consumer CyclicalSmall CapUS Equities · NYSE / NASDAQ

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Company Profile

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

Valuation

Market Cap$65M

Current Price$3.97as of Jun 23, 2026

P/E Ratio3.63

P/B Ratio0.11

EV / EBITDA8.91

EV / Sales0.65

Profitability

Operating Margin6.7%

Net Profit Margin1.3%

EBITDA Margin7.3%

Returns

ROE3.1%

ROCE7.6%

ROIC %5.2%

ROA1.1%

Solvency

Current Ratio3.83

Debt / Equity1.48

Debt / Assets0.53

CFO / Net Profit-2.72

Price History▼ 92.32% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Latest fiscal year: 2025

Revenue$1.4B▼ 0.2%

EBITDA$101M▲ 215.1%

Net Profit$18M▼ 157.1%

Cash from Ops (CFO)$-49M▼ 34.0%

Free Cash Flow (FCF)$-53M▼ 34.2%

Revenue CAGR 3Y5.3%

Revenue CAGR 5Y-

Net Profit CAGR 3Y-42.6%

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$1.4B	$101M	$18M	$-53M	3.1%	-0.2%	-157.1%
2024	$1.4B	$32M	$-31M	$-80M	-6.7%	-0.5%	-253.6%
2023	$1.4B	$70M	$20M	$-158M	4.1%	17.6%	-78.5%
2022	$1.2B	$138M	$95M	$-135M	19.9%	-	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2022	2023	2024	2025
Total Revenue	1,190.54	1,400.41	1,393.89	1,390.93
Operating Revenue	1,190.54	1,400.41	1,393.89	1,390.93
Cost Of Revenue	658.62	800.79	758.55	726.06
Gross Profit	531.92	599.62	635.35	664.88
Operating Expense	398.22	535.16	609.70	571.13
Selling General And Administration	156.13	176.70	179.42	188.92
Total Expenses	1,056.83	1,335.95	1,368.24	1,297.18
Operating Income	133.70	64.47	25.65	93.75
EBITDA	137.59	69.71	32.08	101.10
Normalized EBITDA	137.74	70.07	32.52	101.40
EBIT	133.55	64.11	25.21	93.45
Interest Expense	10.92	38.31	65.35	70.65
Net Interest Income	-10.92	-38.31	-65.35	-70.65
Other Income Expense	-0.15	-0.36	-0.44	-0.30
Interest Expense Non Operating	10.92	38.31	65.35	70.65
Net Non Operating Interest Income Expense	-10.92	-38.31	-65.35	-70.65
Pretax Income	122.64	25.79	-40.14	22.80
Tax Provision	27.62	5.36	-8.74	4.87
Tax Rate For Calcs	0	0	0	0
Tax Effect Of Unusual Items	-0.03	-0.08	-0.10	-0.06
Net Income Continuous Operations	95.01	20.43	-31.39	17.93
Net Income From Continuing And Discontinued Operation	95.01	20.43	-31.39	17.93
Net Income From Continuing Operation Net Minority Interest	95.01	20.43	-31.39	17.93
Net Income	95.01	20.43	-31.39	17.93
Net Income Common Stockholders	94.97	20.39	-31.43	17.89
Net Income Including Noncontrolling Interests	95.01	20.43	-31.39	17.93
Normalized Income	95.13	20.72	-31.05	18.17
Diluted NI Availto Com Stockholders	94.97	20.39	-31.43	17.89
Basic Average Shares	6.51	6.37	6.39	7.52
Diluted Average Shares	6.82	6.57	6.39	7.68
Reconciled Depreciation	4.03	5.60	6.87	7.65
Reconciled Cost Of Revenue	658.62	800.79	758.55	726.06
Total Unusual Items	-0.15	-0.36	-0.44	-0.30
Total Unusual Items Excluding Goodwill	-0.15	-0.36	-0.44	-0.30
Preferred Stock Dividends	0.04	0.04	0.04	0.04
Special Income Charges	-0.15	-0.36	-0.44	-0.30
Depreciation Amortization Depletion Income Statement	4.03	5.60	6.87	7.65
Depreciation And Amortization In Income Statement	4.03	5.60	6.87	7.65
Gain On Sale Of Ppe	-0.15	-0.36	-0.44	-0.30
Provision For Doubtful Accounts	238.05	352.86	423.41	374.56

Peer Comparison

Consumer Cyclical sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
America's Car-Mart, Inc.this co.	CRMT	$65M	3.63	0.11	3.1%	8.91
American Outdoor Brands, Inc.	AOUT	$125M	-1626.00	0.70	-0.0%	10.29
Clarus Corporation	CLAR	$110M	-2.36	0.56	-23.7%	-5.90
Faraday Future Intelligent Electric Inc.	FFAI	$101M	-0.26	-3.70	1429.1%	-0.57
Lakeland Industries, Inc.	LAKE

Learn while you research

Hand-picked academy chapters to deepen your understanding of America's Car-Mart, Inc. and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Value Investing

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Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$1.4B

$101M

$18M

$-53M

3.1%

-0.2%

-157.1%

2024

$1.4B

$32M

$-31M

$-80M

-6.7%

-0.5%

-253.6%

2023

$1.4B

$70M

$20M

$-158M

4.1%

17.6%

-78.5%

2022

$1.2B

$138M

$95M

$-135M

19.9%

Metric

2022

2023

2024

2025

Total Revenue

1,190.54

1,400.41

1,393.89

1,390.93

Operating Revenue

1,190.54

1,400.41

1,393.89

1,390.93

Cost Of Revenue

658.62

800.79

758.55

726.06

Gross Profit

531.92

599.62

635.35

664.88

Operating Expense

398.22

535.16

609.70

571.13

Selling General And Administration

156.13

176.70

179.42

188.92

Total Expenses

1,056.83

1,335.95

1,368.24

1,297.18

Operating Income

133.70

64.47

25.65

93.75

EBITDA

137.59

69.71

32.08

101.10

Normalized EBITDA

137.74

70.07

32.52

101.40

EBIT

133.55

64.11

25.21

93.45

Interest Expense

10.92

38.31

65.35

70.65

Net Interest Income

-10.92

-38.31

-65.35

-70.65

Other Income Expense

-0.15

-0.36

-0.44

-0.30

Interest Expense Non Operating

10.92

38.31

65.35

70.65

Net Non Operating Interest Income Expense

-10.92

-38.31

-65.35

-70.65

Pretax Income

122.64

25.79

-40.14

22.80

Tax Provision

27.62

5.36

-8.74

4.87

Tax Rate For Calcs

Tax Effect Of Unusual Items

-0.03

-0.08

-0.10

-0.06

Net Income Continuous Operations

95.01

20.43

-31.39

17.93

Net Income From Continuing And Discontinued Operation

95.01

20.43

-31.39

17.93

Net Income From Continuing Operation Net Minority Interest

95.01

20.43

-31.39

17.93

Net Income

95.01

20.43

-31.39

17.93

Net Income Common Stockholders

94.97

20.39

-31.43

17.89

Net Income Including Noncontrolling Interests

95.01

20.43

-31.39

17.93

Normalized Income

95.13

20.72

-31.05

18.17

Diluted NI Availto Com Stockholders

94.97

20.39

-31.43

17.89

Basic Average Shares

6.51

6.37

6.39

7.52

Diluted Average Shares

6.82

6.57

6.39

7.68

Reconciled Depreciation

4.03

5.60

6.87

7.65

Reconciled Cost Of Revenue

658.62

800.79

758.55

726.06

Total Unusual Items

-0.15

-0.36

-0.44

-0.30

Total Unusual Items Excluding Goodwill

-0.15

-0.36

-0.44

-0.30

Preferred Stock Dividends

0.04

Special Income Charges

-0.15

-0.36

-0.44

-0.30

Depreciation Amortization Depletion Income Statement

4.03

5.60

6.87

7.65

Depreciation And Amortization In Income Statement

4.03

5.60

6.87

7.65

Gain On Sale Of Ppe

-0.15

-0.36

-0.44

-0.30

Provision For Doubtful Accounts

238.05

352.86

423.41

374.56

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

America's Car-Mart, Inc.this co.

CRMT

$65M

3.63

0.11

3.1%

8.91

American Outdoor Brands, Inc.

AOUT

$125M

-1626.00

0.70

-0.0%

10.29

Clarus Corporation

CLAR

$110M

-2.36

0.56

-23.7%

-5.90

Faraday Future Intelligent Electric Inc.

FFAI

$101M

-0.26

-3.70

1429.1%

-0.57

Lakeland Industries, Inc.

LAKE

America's Car-Mart, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

America's Car-Mart, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on