Logo image of CRMT

AMERICA'S CAR-MART INC (CRMT) Stock Fundamental Analysis

NASDAQ:CRMT - Nasdaq - US03062T1051 - Common Stock - Currency: USD

44.265  -2.98 (-6.3%)

After market: 44.265 0 (0%)

Fundamental Rating

3

CRMT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 120 industry peers in the Specialty Retail industry. CRMT may be in some trouble as it scores bad on both profitability and health. CRMT is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

CRMT had negative earnings in the past year.
CRMT had a negative operating cash flow in the past year.
Of the past 5 years CRMT 4 years were profitable.
In the past 5 years CRMT reported 4 times negative operating cash flow.
CRMT Yearly Net Income VS EBIT VS OCF VS FCFCRMT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M -150M

1.2 Ratios

CRMT's Return On Assets of -0.26% is in line compared to the rest of the industry. CRMT outperforms 45.30% of its industry peers.
CRMT has a Return On Equity of -0.73%. This is comparable to the rest of the industry: CRMT outperforms 51.28% of its industry peers.
With a Return On Invested Capital value of 3.66%, CRMT perfoms like the industry average, outperforming 49.57% of the companies in the same 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 12.30%.
Industry RankSector Rank
ROA -0.26%
ROE -0.73%
ROIC 3.66%
ROA(3y)2.51%
ROA(5y)5.59%
ROE(3y)5.78%
ROE(5y)12.01%
ROIC(3y)5.16%
ROIC(5y)8.23%
CRMT Yearly ROA, ROE, ROICCRMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

CRMT has a Operating Margin of 4.95%. This is in the better half of the industry: CRMT outperforms 65.81% of its industry peers.
CRMT's Operating Margin has declined in the last couple of years.
CRMT has a better Gross Margin (47.33%) than 75.21% of its industry peers.
CRMT's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 4.95%
PM (TTM) N/A
GM 47.33%
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%
CRMT Yearly Profit, Operating, Gross MarginsCRMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

More info and screens

2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CRMT is destroying value.
Compared to 1 year ago, CRMT has about the same amount of shares outstanding.
Compared to 5 years ago, CRMT has less shares outstanding
Compared to 1 year ago, CRMT has a worse debt to assets ratio.
CRMT Yearly Shares OutstandingCRMT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
CRMT Yearly Total Debt VS Total AssetsCRMT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

CRMT has an Altman-Z score of 1.84. This is not the best score and indicates that CRMT is in the grey zone with still only limited risk for bankruptcy at the moment.
CRMT has a Altman-Z score of 1.84. This is comparable to the rest of the industry: CRMT outperforms 41.88% of its industry peers.
CRMT has a Debt/Equity ratio of 1.38. This is a high value indicating a heavy dependency on external financing.
CRMT's Debt to Equity ratio of 1.38 is on the low side compared to the rest of the industry. CRMT is outperformed by 63.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.38
Debt/FCF N/A
Altman-Z 1.84
ROIC/WACC0.35
WACC10.4%
CRMT Yearly LT Debt VS Equity VS FCFCRMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 1.40 indicates that CRMT should not have too much problems paying its short term obligations.
CRMT's Current ratio of 1.40 is in line compared to the rest of the industry. CRMT outperforms 50.43% of its industry peers.
CRMT has a Quick Ratio of 1.40. This is a bad value and indicates that CRMT is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.41, CRMT is in line with its industry, outperforming 41.03% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.4
Quick Ratio 0.41
CRMT Yearly Current Assets VS Current LiabilitesCRMT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 46.47% over the past year.
The Revenue has decreased by -5.89% in the past year.
CRMT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.81% yearly.
EPS 1Y (TTM)46.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%94.42%
Revenue 1Y (TTM)-5.89%
Revenue growth 3Y15.29%
Revenue growth 5Y15.81%
Sales Q2Q%-3.96%

3.2 Future

The Earnings Per Share is expected to grow by 47.03% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 3.15% on average over the next years.
EPS Next Y133.04%
EPS Next 2Y64.19%
EPS Next 3Y47.03%
EPS Next 5YN/A
Revenue Next Year-3.32%
Revenue Next 2Y0.43%
Revenue Next 3Y3.15%
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.
CRMT Yearly Revenue VS EstimatesCRMT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
CRMT Yearly EPS VS EstimatesCRMT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 5 10

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CRMT. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 12.85, which indicates a correct valuation of CRMT.
Based on the Price/Forward Earnings ratio, CRMT is valued a bit cheaper than 72.65% of the companies in the same industry.
CRMT is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 12.85
CRMT Price Earnings VS Forward Price EarningsCRMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

CRMT's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 15.03
CRMT Per share dataCRMT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100 150

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.
CRMT's earnings are expected to grow with 47.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y64.19%
EPS Next 3Y47.03%

More info and screens

0

5. Dividend

5.1 Amount

CRMT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

AMERICA'S CAR-MART INC

NASDAQ:CRMT (2/21/2025, 8:10:56 PM)

After market: 44.265 0 (0%)

44.265

-2.98 (-6.3%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)12-05 2024-12-05/bmo
Earnings (Next)03-06 2025-03-06/amc
Inst Owners87.84%
Inst Owner Change-0.11%
Ins Owners10.49%
Ins Owner Change36.15%
Market Cap365.19M
Analysts52
Price Target53.04 (19.82%)
Short Float %13.68%
Short Ratio9.74
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.01
Dividend Growth(5Y)1.32%
DP-0.99%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-131.15%
Min EPS beat(2)-140.1%
Max EPS beat(2)-122.2%
EPS beat(4)0
Avg EPS beat(4)-114.44%
Min EPS beat(4)-140.1%
Max EPS beat(4)-93.37%
EPS beat(8)0
Avg EPS beat(8)-156.69%
EPS beat(12)1
Avg EPS beat(12)-112.19%
EPS beat(16)5
Avg EPS beat(16)-76.14%
Revenue beat(2)2
Avg Revenue beat(2)0.63%
Min Revenue beat(2)0.63%
Max Revenue beat(2)0.64%
Revenue beat(4)2
Avg Revenue beat(4)-4.03%
Min Revenue beat(4)-16.3%
Max Revenue beat(4)0.64%
Revenue beat(8)4
Avg Revenue beat(8)-1.28%
Revenue beat(12)8
Avg Revenue beat(12)1.29%
Revenue beat(16)12
Avg Revenue beat(16)3.53%
PT rev (1m)2.97%
PT rev (3m)13.87%
EPS NQ rev (1m)125.58%
EPS NQ rev (3m)-51.11%
EPS NY rev (1m)28.27%
EPS NY rev (3m)732.9%
Revenue NQ rev (1m)-0.82%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)-3.39%
Revenue NY rev (3m)-0.59%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 12.85
P/S 0.27
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.69
EV/EBITDA 15.03
EPS(TTM)-1.67
EYN/A
EPS(NY)3.44
Fwd EY7.78%
FCF(TTM)-5.01
FCFYN/A
OCF(TTM)-4.24
OCFYN/A
SpS164.77
BVpS67.15
TBVpS64.38
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.26%
ROE -0.73%
ROCE 4.64%
ROIC 3.66%
ROICexc 3.68%
ROICexgc 3.74%
OM 4.95%
PM (TTM) N/A
GM 47.33%
FCFM N/A
ROA(3y)2.51%
ROA(5y)5.59%
ROE(3y)5.78%
ROE(5y)12.01%
ROIC(3y)5.16%
ROIC(5y)8.23%
ROICexc(3y)5.19%
ROICexc(5y)8.49%
ROICexgc(3y)5.24%
ROICexgc(5y)8.58%
ROCE(3y)6.52%
ROCE(5y)10.42%
ROICexcg growth 3Y-54.52%
ROICexcg growth 5Y-33.5%
ROICexc growth 3Y-54.52%
ROICexc growth 5Y-33.63%
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%
F-Score3
Asset Turnover0.86
Health
Industry RankSector Rank
Debt/Equity 1.38
Debt/FCF N/A
Debt/EBITDA 10.28
Cap/Depr 86.88%
Cap/Sales 0.47%
Interest Coverage 0.95
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.4
Quick Ratio 0.41
Altman-Z 1.84
F-Score3
WACC10.4%
ROIC/WACC0.35
Cap/Depr(3y)292.11%
Cap/Depr(5y)251.61%
Cap/Sales(3y)1.11%
Cap/Sales(5y)1.01%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)46.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%94.42%
EPS Next Y133.04%
EPS Next 2Y64.19%
EPS Next 3Y47.03%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.89%
Revenue growth 3Y15.29%
Revenue growth 5Y15.81%
Sales Q2Q%-3.96%
Revenue Next Year-3.32%
Revenue Next 2Y0.43%
Revenue Next 3Y3.15%
Revenue Next 5YN/A
EBIT growth 1Y145.04%
EBIT growth 3Y-43.48%
EBIT growth 5Y-17.62%
EBIT Next Year338.99%
EBIT Next 3Y77.59%
EBIT Next 5YN/A
FCF growth 1Y75.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y75.35%
OCF growth 3YN/A
OCF growth 5YN/A