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$101M

Current Price$12.17

P/E Ratio-

P/B Ratio0.21

EV / EBITDA30.69

EV / Sales0.70

Profitability

Operating Margin-

Net Profit Margin1.3%

EBITDA Margin7.3%

Returns

ROE3.1%

ROCE-

ROIC %5.2%

ROA1.1%

Solvency

Current Ratio24.95

Debt / Equity1.48

Debt / Assets0.53

CFO / Net Profit-2.72

Price History▼ 74.97% 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

Net Profit$18M

Cash from Ops (CFO)$-49M

Free Cash Flow (FCF)$-53M

Revenue CAGR 3Y-

Revenue CAGR 5Y-

Net Profit CAGR 3Y-

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%	-
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
Cost Of Revenue	658.62	800.79	758.55	726.05
Gross Profit	531.92	599.62	635.35	664.88
Operating Expense	398.22	535.16	609.70	571.13
Operating Income	133.70	64.47	25.65	93.75
EBITDA	137.59	69.71	32.08	101.10
EBIT	133.55	64.11	25.21	93.45
Pretax Income	122.64	25.79	-40.13	22.80
Tax Provision	27.62	5.36	-8.74	4.87
Net Income	95.01	20.43	-31.39	17.93
Net Income Common Stockholders	94.97	20.39	-31.43	17.89
Total Expenses	1,056.83	1,335.95	1,368.24	1,297.18
Interest Expense	10.92	38.31	65.35	70.65
Selling General And Administration	156.13	176.70	179.42	188.92
Normalized EBITDA	137.74	70.07	32.52	101.40
Normalized Income	95.13	20.72	-31.05	18.17
Basic EPS	14.33	3.20	-4.92	2.38
Diluted EPS	13.67	3.11	-4.92	2.33
Tax Effect Of Unusual Items	-0.03	-0.08	-0.10	-0.06
Tax Rate For Calcs	0.23	0.21	0.22	0.21
Total Unusual Items	-0.15	-0.36	-0.44	-0.30
Total Unusual Items Excluding Goodwill	-0.15	-0.36	-0.44	-0.30
Net Income From Continuing Operation Net Minority Interest	95.01	20.43	-31.39	17.93
Reconciled Depreciation	4.03	5.60	6.87	7.65
Reconciled Cost Of Revenue	658.62	800.79	758.55	726.05
Net Interest Income	-10.92	-38.31	-65.35	-70.65
Net Income From Continuing And Discontinued Operation	95.01	20.43	-31.39	17.93
Diluted Average Shares	6.82	6.57	6.39	7.68
Basic Average Shares	6.51	6.37	6.39	7.52
Diluted NI Availto Com Stockholders	94.97	20.39	-31.43	17.89
Preferred Stock Dividends	0.04	0.04	0.04	0.04
Net Income Including Noncontrolling Interests	95.01	20.43	-31.39	17.93
Net Income Continuous Operations	95.01	20.43	-31.39	17.93
Other Income Expense	-0.15	-0.36	-0.44	-0.30
Special Income Charges	-0.15	-0.36	-0.44	-0.30
Gain On Sale Of Ppe	-0.15	-0.36	-0.44	-0.30
Net Non Operating Interest Income Expense	-10.92	-38.31	-65.35	-70.65
Interest Expense Non Operating	10.92	38.31	65.35	70.65
Provision For Doubtful Accounts	238.05	352.86	423.41	374.56
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
Operating Revenue	1,190.54	1,400.41	1,393.89	1,390.93

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	$101M	-	0.21	3.1%	30.69
Medifast, Inc.	MED	$120M	-	0.57	-9.4%	-1515.42
American Outdoor Brands, Inc.	AOUT	$118M	-	0.70	-0.0%	20.74
Faraday Future Intelligent Electric Inc.	FFAI	$117M	-	-2.80	-5035.4%	-1.81
Traeger, Inc.	COOK	$111M

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 Stock Market Risks

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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%

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

Cost Of Revenue

658.62

800.79

758.55

726.05

Gross Profit

531.92

599.62

635.35

664.88

Operating Expense

398.22

535.16

609.70

571.13

Operating Income

133.70

64.47

25.65

93.75

EBITDA

137.59

69.71

32.08

101.10

EBIT

133.55

64.11

25.21

93.45

Pretax Income

122.64

25.79

-40.13

22.80

Tax Provision

27.62

5.36

-8.74

4.87

Net Income

95.01

20.43

-31.39

17.93

Net Income Common Stockholders

94.97

20.39

-31.43

17.89

Total Expenses

1,056.83

1,335.95

1,368.24

1,297.18

Interest Expense

10.92

38.31

65.35

70.65

Selling General And Administration

156.13

176.70

179.42

188.92

Normalized EBITDA

137.74

70.07

32.52

101.40

Normalized Income

95.13

20.72

-31.05

18.17

Basic EPS

14.33

3.20

-4.92

2.38

Diluted EPS

13.67

3.11

-4.92

2.33

Tax Effect Of Unusual Items

-0.03

-0.08

-0.10

-0.06

Tax Rate For Calcs

0.23

0.21

0.22

0.21

Total Unusual Items

-0.15

-0.36

-0.44

-0.30

Total Unusual Items Excluding Goodwill

-0.15

-0.36

-0.44

-0.30

Net Income From Continuing Operation Net Minority Interest

95.01

20.43

-31.39

17.93

Reconciled Depreciation

4.03

5.60

6.87

7.65

Reconciled Cost Of Revenue

658.62

800.79

758.55

726.05

Net Interest Income

-10.92

-38.31

-65.35

-70.65

Net Income From Continuing And Discontinued Operation

95.01

20.43

-31.39

17.93

Diluted Average Shares

6.82

6.57

6.39

7.68

Basic Average Shares

6.51

6.37

6.39

7.52

Diluted NI Availto Com Stockholders

94.97

20.39

-31.43

17.89

Preferred Stock Dividends

0.04

Net Income Including Noncontrolling Interests

95.01

20.43

-31.39

17.93

Net Income Continuous Operations

95.01

20.43

-31.39

17.93

Other Income Expense

-0.15

-0.36

-0.44

-0.30

Special Income Charges

-0.15

-0.36

-0.44

-0.30

Gain On Sale Of Ppe

-0.15

-0.36

-0.44

-0.30

Net Non Operating Interest Income Expense

-10.92

-38.31

-65.35

-70.65

Interest Expense Non Operating

10.92

38.31

65.35

70.65

Provision For Doubtful Accounts

238.05

352.86

423.41

374.56

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

Operating Revenue

1,190.54

1,400.41

1,393.89

1,390.93

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

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

CRMT

$101M

0.21

3.1%

30.69

Medifast, Inc.

MED

$120M

0.57

-9.4%

-1515.42

American Outdoor Brands, Inc.

AOUT

$118M

0.70

-0.0%

20.74

Faraday Future Intelligent Electric Inc.

FFAI

$117M

-2.80

-5035.4%

-1.81

Traeger, Inc.

COOK

$111M

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