AMERICA'S CAR-MART INC (CRMT)
US03062T1051 - Common Stock
We assign a fundamental rating of 2 out of 10 to CRMT. CRMT was compared to 122 industry peers in the Specialty Retail industry. Both the profitability and financial health of CRMT have multiple concerns. CRMT is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CRMT has reported negative net income.
In the past year CRMT has reported a negative cash flow from operations.
Of the past 5 years CRMT 4 years were profitable.
In the past 5 years CRMT reported 4 times negative operating cash flow.
1.2 Ratios
CRMT has a Return On Assets (-2.39%) which is in line with its industry peers.
CRMT has a Return On Equity of -7.76%. This is comparable to the rest of the industry: CRMT outperforms 47.11% of its industry peers.
The Return On Invested Capital of CRMT (1.30%) is comparable to the rest of the industry.
CRMT had an Average Return On Invested Capital over the past 3 years of 5.16%. This is significantly below the industry average of 12.03%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.39% | ||
| ROE | -7.76% | ||
| ROIC | 1.3% |
ROA(3y)2.51%
ROA(5y)5.59%
ROE(3y)5.78%
ROE(5y)12.01%
ROIC(3y)5.16%
ROIC(5y)8.23%
1.3 Margins
CRMT has a Operating Margin (1.69%) which is in line with its industry peers.
In the last couple of years the Operating Margin of CRMT has declined.
CRMT has a better Gross Margin (46.04%) than 71.90% of its industry peers.
In the last couple of years the Gross Margin of CRMT has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.69% | ||
| PM (TTM) | N/A | ||
| GM | 46.04% |
OM growth 3Y-50.98%
OM growth 5Y-28.87%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-1.24%
GM growth 5Y-1.28%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CRMT is destroying value.
The number of shares outstanding for CRMT remains at a similar level compared to 1 year ago.
Compared to 5 years ago, CRMT has less shares outstanding
CRMT has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.83 indicates that CRMT is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.83, CRMT is in line with its industry, outperforming 40.50% of the companies in the same industry.
A Debt/Equity ratio of 1.66 is on the high side and indicates that CRMT has dependencies on debt financing.
CRMT has a Debt to Equity ratio of 1.66. This is in the lower half of the industry: CRMT underperforms 65.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.83 |
ROIC/WACC0.12
WACC10.73%
2.3 Liquidity
CRMT has a Current Ratio of 1.30. This is a normal value and indicates that CRMT is financially healthy and should not expect problems in meeting its short term obligations.
CRMT has a Current ratio (1.30) which is comparable to the rest of the industry.
A Quick Ratio of 0.37 indicates that CRMT may have some problems paying its short term obligations.
With a Quick ratio value of 0.37, CRMT is not doing good in the industry: 65.29% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.3 | ||
| Quick Ratio | 0.37 |
3. Growth
3.1 Past
CRMT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 46.47%, which is quite impressive.
CRMT shows a decrease in Revenue. In the last year, the revenue decreased by -0.83%.
Measured over the past years, CRMT shows a quite strong growth in Revenue. The Revenue has been growing by 15.81% on average per year.
EPS 1Y (TTM)46.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%94.42%
Revenue 1Y (TTM)-0.83%
Revenue growth 3Y15.29%
Revenue growth 5Y15.81%
Sales Q2Q%-3.96%
3.2 Future
CRMT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 41.61% yearly.
The Revenue is expected to decrease by 0.00% on average over the next years.
EPS Next Y103.09%
EPS Next 2Y61.09%
EPS Next 3Y41.61%
EPS Next 5YN/A
Revenue Next Year-1.66%
Revenue Next 2Y1.11%
Revenue Next 3Y0%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for CRMT. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 17.89, the valuation of CRMT can be described as rather expensive.
67.77% of the companies in the same industry are more expensive than CRMT, based on the Price/Forward Earnings ratio.
CRMT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.65.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 17.89 |
4.2 Price Multiples
63.64% of the companies in the same industry are cheaper than CRMT, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 40.83 |
4.3 Compensation for Growth
CRMT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CRMT's earnings are expected to grow with 41.61% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y61.09%
EPS Next 3Y41.61%
5. Dividend
5.1 Amount
No dividends for CRMT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMERICA'S CAR-MART INC
NASDAQ:CRMT (12/18/2024, 8:12:26 PM)
After market: 52.7 0 (0%)52.7
-2.66 (-4.8%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap434.77M
Analysts
Price Target
Short Float %
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Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
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Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 17.89 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.39% | ||
| ROE | -7.76% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 1.69% | ||
| PM (TTM) | N/A | ||
| GM | 46.04% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.9
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.66 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.3 | ||
| Quick Ratio | 0.37 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)46.47%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y103.09%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.83%
Revenue growth 3Y15.29%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
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FCF growth 3Y
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OCF growth 1Y
OCF growth 3Y
OCF growth 5Y