America's Car-Mart, Inc.

America's Car-Mart, Inc.

CRMT
America's Car-Mart, Inc.US flagNASDAQ Global Select
2.09
USD
-0.60
- -
17.35MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
51
54.78
61.54
67.85
74.83
84.65
98.24
112.31
137.23
182.89
219.8
218.19
184.85
162.88
Basic EPS, GAAP
3.53
2.36
3.42
1.38
2.57
5.04
6.99
7.74
15.81
14.59
3.2
-4.92
2.38
-11.39
Free Cash Flow per Basic Share
-0.78
1.65
0.97
1.17
0.73
1.07
3.06
2.34
-9.47
-20.73
-24.77
-12.53
-7
1.71
Dividend per Share
- -
- -
- -
- -
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
- -
Book Value per Share
26.71
29.61
34.11
36.5
41.46
50.07
60.15
69.53
85.25
102.24
107.66
102.45
89.36
68.55
Tangible Book Value per Share
22.16
23.81
26.55
27.29
29.62
31.83
38.2
44.64
60.22
71.88
76.41
71.42
72.66
55.16
Basic Weighted Avg Shares
9
9
9
8
8
7
7
7
7
7
6
6
8
8
Sales/Revenue/Turnover
465
489
530
568
588
612
669
745
910
1,191
1,400
1,394
1,391
1,348
Operating Margin (%)
11.55
7.51
9.42
3.9
6.38
7.28
10.11
9.71
15.62
11.23
4.6
1.84
6.74
1.31
Depreciation Expense
3
3
4
4
4
4
4
4
4
4
6
7
8
8
Net Income, GAAP
32
21
29
12
20
37
48
51
105
95
20
-31
18
-94
Effective Tax Rate (%)
36.5
37.25
37.3
37.31
37.33
6.16
20.43
20.21
22.55
22.52
20.79
- -
21.35
14.77
Profit Margin (%)
6.92
4.32
5.56
2.04
3.44
5.96
7.12
6.9
11.52
7.98
1.46
-2.25
1.29
-6.99
Working Capital
301
315
349
327
350
379
412
512
638
877
933
957
1,053
1,068
LT Debt
100
97
102
108
118
152
153
278
289
457
534
618
639
688
Total Equity
203
213
230
229
233
231
261
303
407
477
499
471
570
480
Return on Invested Capital (%)
15.35
10.14
13.43
5.85
9.84
16.44
19.46
16.07
23.33
16.51
6.22
- -
7.18
- -
Return on Capital (%)
10.72
6.5
8.23
3.37
5.3
8.7
9.98
8.86
13.8
10.22
3.97
- -
4.91
4.77
Return on Common Equity (%)
14.13
8.31
10.55
3.86
6.39
10.61
12.33
11.78
20.42
15.43
3.02
-4.69
2.7
-15.35

Capital Structure

FRC

in mil. unless spec.
Jul'26
Oct'26
Jan'26
ST Debt
172
262
264
LT Borrowings
611
635
628
LT Finance Leases
67
66
60
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
8
Market Capitalization
371
184
213

Working Capital

FRC

in mil. unless spec.
Jul'26
Oct'26
Jan'26
Total Current Assets
1,426
1,543
1,464
Cash, Cash Equivalents & STI
10
122
118
Accounts Receivable, Net
1,183
1,171
1,114
Inventories
112
105
101
Total Current Liabilities
336
435
396
Payables & Accruals
52
63
32
ST Debt
172
262
264
Deferred Revenue
112
110
100

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.12%
14.29%
20.96%
Free Cash Flow
-30.25%
-91.32%
-34.22%
Net Income, GAAP
-26.2%
-78.89%
-157.12%
Sales/Revenue/Turnover
10.53%
14%
-0.21%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
367
360
300
365
1,394
2025
348
347
326
370
1,391
2026
341
350
287
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.65
-4.3
-1.34
0.07
-4.92
2025
-0.15
0.62
0.38
1.29
2.38
2026
-0.69
-2.71
-9.25
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.01
2025
- -
- -
- -
- -
0.01
2026
- -
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Douglas W. Campbell
Full Time Employees
2,280
Sector
Consumer Cyclical
Industry
Auto - Dealerships
Address
1805 North 2nd Street Rogers AR United States of America 72756
IPO Date
Mar 13, 1987
Business
America's Car-Mart, Inc. (CRMT) operates as one of the largest publicly held automotive retailers in the United States focused exclusively on the buy-here-pay-here segment of the used car market, selling older model quality used vehicles and providing integrated in-house financing, service contracts, accident protection plans, and flexible payment options including weekly, biweekly, and monthly terms to credit-challenged customers such as those with bad credit, no credit, repossessions, or past bankruptcies; the company conducts its decentralized operations through subsidiaries America's Car-Mart, Inc. and Colonial Auto Finance, Inc., maintaining over 150 dealerships across 12 states primarily in small to mid-sized cities throughout the South-Central United States and serving more than 100,000 active customer accounts with approximately 2,200 associates. Founded in 1981 in Rogers, Arkansas, where it maintains headquarters at 1805 North 2nd Street, Suite 401, the company targets lower-income consumers unable to secure traditional financing by sourcing vehicles mainly through auctions and trade-ins, reconditioning them for reliability, originating tailored loans with average terms of around 44 months based on customer stability and affordability, and servicing the portfolio through high-touch collections that report on-time payments to credit bureaus. In recent developments, America's Car-Mart closed a $300 million five-year term loan in October 2025 led by Silver Point Capital to repay its prior asset-backed line of credit, simplify its balance sheet, and support long-term growth and operations; completed an $172 million asset-backed securitization in August 2025 with improved pricing reflecting platform enhancements; entered a definitive agreement in May 2024 to acquire Texas Auto Center dealership assets to expand into the Austin and San Marcos markets; and pursued additional strategic acquisitions such as Central Auto Sales in Hot Springs, Arkansas, and Taylor Motor Company in Illinois under a dedicated mergers and acquisitions team including Vice President Mike Robortaccio to accelerate footprint growth in contiguous regions.

Company News

MCPAPIChat
  • ROSEN, HIGHLY RECOGNIZED INVESTOR COUNSEL, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • CRMT Investor News: If You Have Suffered Losses in America's Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • ROSEN, LEADING INVESTOR COUNSEL, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • ROSEN, NATIONALLY REGARDED INVESTOR COUNSEL, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • CRMT Investor News: If You Have Suffered Losses in America's Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • CRMT Investor News: If You Have Suffered Losses in America's Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • ROSEN, RECOGNIZED INVESTOR COUNSEL, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • CRMT Investor News: If You Have Suffered Losses in America’s Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • ROSEN, LEADING INVESTOR RIGHTS ATTORNEYS, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • CRMT Investor News: If You Have Suffered Losses in America's Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • ROSEN, LEADING TRIAL ATTORNEYS, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • ROSEN, A TOP RANKED LAW FIRM, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • CRMT Investor News: If You Have Suffered Losses in America's Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

  • ROSEN, A LEADING LAW FIRM, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT