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America's Car-Mart, Inc.

CRMT Consumer Cyclical Auto & Truck Dealerships

America's Car-Mart, Inc.’s revenue for fiscal 2026 (year ended April 2026) was $1.3 billion, down 7.87% from fiscal 2025.

Revenue
−57.3%
EPS
−1,100.0%
Free cash flow
+1,372.0%

Quarter to July 2026, against a year earlier

1.45 0.19 +15.08%
Market cap
$12.7M
P/E
0.0×
Fwd P/E
−0.3×
Dividend yield
—
F-score
4/9
Altman Z
2.76
Beneish M
−3.38
Dividend safety
45/100
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.00
Sold, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — — — — — — — — — —
Sell — — — — 1 — — — — — — —
Insider Ownership 7.20%

Capital & Financial Ratios $m

Size
Market Cap 12.68
Revenue ttm 1,085.94
Net income ttm (202.35)
Free cash flow ttm 150.66
Net debt Q (109.98)
Valuation
P/E 0.00
Forward P/E (0.26) (negative: loss-making)
Price / sales 0.01
Forward P/S Powerpack
Price / FCF 0.08
Price / book 0.03
Financial health
Current ratio Q 1.41
Debt / equity Q 0.00 (at or below 0.5: strong)
Interest coverage Q 1.15
Growth
Revenue growth Q −57.30% (below 0%: shrinking)
Operating income growth Q −80.36% (below 0%: shrinking)
EPS, this year +104.76% (at or above 15%: strong)
EPS, next year A −44.41% (below 0%: weak)
Revenue, next year A −33.59% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +3.19%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is −0.1×, against a ten-year median of 0.5×; over the ten years it ranged from −0.1× in 2026 to 1.2× in 2021.
P/S against its own 10 years 1.10%
10-year low 10-year high
P/B against its own 10 years 1.10%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 94 125 132 110
Receivables 1,108 1,188 1,091 920
Inventory 107 112 54 35
Other — — — —
1,342 1,463 1,308 1,101
2024 2025 2026 Q'26
Payables 21 35 32 22
ST’ Debt — — — —
Other — — — —
942 970 921 782

Compound Annual Growth %

10y 5y 3y
Sales 8.48% 7.09% (2.91%)
Cash Flow 16.35% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 6.89% 1.86% (3.67%)

Earnings Trends EPS, adjusted, against the consensus

Q1 FY26 Estimate 0.69 Actual −0.69

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY25 0.05 −0.24 Miss by 0.29
Q3 FY25 −0.01 0.37 Beat by 0.38
Q4 FY25 0.87 1.26 Beat by 0.39
Q1 FY26 0.69 −0.69 Miss by 1.38

EPS $

Jul Oct Jan Apr Year
’26 (8.28) — — — —
’26 (0.69) (2.71) (9.25) (4.12) (16.79)
’25 (0.15) 0.61 0.37 1.26 2.33
’24 0.63 (4.30) (1.34) 0.06 (4.95)
’23 2.00 0.48 0.23 0.32 3.11
’22 3.57 3.33 2.77 4.01 13.67
’21 2.83 3.05 2.85 6.19 14.95
Fiscal quarters ending in the months shown.

Revenue $m

Jul Oct Jan Apr Year
’26 146 — — — —
’26 341 350 287 303 1,282
’25 348 347 326 370 1,391
’24 367 360 300 368 1,394
’23 339 352 325 384 1,400
’22 280 285 287 338 1,191
’21 188 223 228 270 910
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Jul Oct Jan Apr Year
’26 80 — — — —
’26 (6) 9 (6) 68 65
’25 (15) (22) (31) 19 (49)
’24 (45) (31) 13 (11) (74)
’23 (60) (35) (29) (12) (136)
’22 (31) (39) (33) (17) (119)
’21 (7) (22) (10) (14) (54)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Jul Oct Jan Apr Year
’26 81 — — — —
’26 (6) 8 (6) 68 63
’25 (16) (24) (32) 18 (53)
’24 (46) (31) 10 (12) (80)
’23 (67) (42) (34) (15) (158)
’22 (33) (44) (40) (18) (135)
’21 (10) (24) (12) (16) (62)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to April

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Jul ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 588 612 669 745 910 1,191 1,400 1,394 1,391 1,282 1,086 +9.0% 851 862 — (18.0%)
Gross margin, % 48.12 48.50 48.60 47.83 47.33 44.68 42.82 45.58 47.80 48.19 48.51 +0.1 pt
EBT 32 39 60 64 135 123 26 (40) 23 (108) (169) n/m
EBT margin, % 5.49 6.36 8.94 8.64 14.88 10.30 1.84 (2.88) 1.64 (8.43) (15.60) (13.9) pt
Net income 20 37 48 51 105 95 20 (31) 18 (139) (202) n/m
Per share, $
Per share, $ Revenue 74.83 84.65 98.24 112.31 137.23 182.88 219.81 218.17 184.84 154.60 130.37 +8.4%
Earnings 2.57 5.04 6.99 7.74 15.70 14.33 3.20 (4.92) 2.38 (16.79) (24.36) n/m
Cash flow 0.93 1.38 3.66 3.15 (8.12) (18.31) (21.30) (11.57) (6.48) 7.84 18.12 +26.7%
Capex (0.08) (0.24) (0.57) (0.79) (1.25) (2.42) (3.46) (0.91) (0.51) (0.18) (0.03) +9.2%
Free cash flow 0.85 1.15 3.09 2.36 (9.36) (20.73) (24.76) (12.48) (6.99) 7.65 18.09 +27.7%
Book value 29.67 31.88 38.25 45.67 61.32 73.20 78.25 73.68 75.68 53.76 45.20 +6.8%
Shares, m 8 7 7 7 7 7 6 6 8 8 8 +0.6%
Valuation, ×
Valuation, × P/E 14.16 10.47 14.17 8.52 9.59 5.90 25.27 0.00 22.16 0.00 0.00 11.0
P/S 0.49 0.63 1.01 0.59 1.10 0.46 0.36 0.26 0.26 0.08 0.01 0.5
P/B 1.23 1.67 2.59 1.44 2.46 1.16 1.01 0.78 0.63 0.23 0.03 1.3
EV/Sales 0.49 0.63 1.01 0.51 1.10 0.43 0.31 0.19 0.17 (0.02) (0.09) 0.5
EV/FCF 42.74 46.37 32.02 24.09 (16.06) (3.76) (2.77) (3.40) (4.42) (0.48) (0.65) 11.4
Cash, $m
Cash, $m Operating cash flow 7 10 25 21 (54) (119) (136) (74) (49) 65 151 +27.4%
Capex (1) (2) (4) (5) (8) (16) (22) (6) (4) (2) 0 +9.8%
Free cash flow 7 8 21 16 (62) (135) (158) (80) (53) 63 151 +28.4%
Balance, $m
Balance, $m Working capital 203 202 232 268 367 426 429 399 493 387 319 +7.4%
Net debt 0 (1) (2) (60) (3) (43) (68) (94) (125) (132) (110) +88.7%
Shareholders’ equity 233 231 261 303 406 477 499 471 570 446 376 +7.5%
Returns, %
Returns, % ROA 4.86 8.29 10.04 8.85 14.07 9.61 1.59 (2.17) 1.16 (9.21) (14.38) (14.1) pt
ROIC 50.15 52.74 51.69 60.27 45.83 53.54 60.59 74.58 65.78 79.86 72.86 +29.7 pt
ROE 8.73 15.73 19.38 18.22 29.55 21.51 4.18 (6.49) 3.44 (27.41) (43.00) (36.1) pt
People
People Employees 1,460 1,504 1,600 1,750 1,850 2,100 2,260 2,280 2,300 1,500 — +0.3%
Revenue/emp, $m 0.40 0.41 0.42 0.43 0.49 0.57 0.62 0.61 0.60 0.85 — +8.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Apr 2026 · latest quarter Jul 2026 · fundamentals updated 25 Oct 2026

America's Car-Mart, Inc. vs peers in Auto & Truck Dealerships (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RDNW RideNow Group, Inc. $209.5M — (loss-making) — (loss-making) −1.03% (below 0%: shrinking) n/m −122.35% (below 0%: shrinking) 28.57% 6.03% Compare
KXIN Kaixin Holdings $115.9M — (loss-making) — (loss-making) +824.77% (above 0%: growing) +98.97% (above 0%: growing) −234.02% (below 0%: shrinking) 1.00% 0.00% Compare
DSC DSC Holdings Ltd. - Sponsored ADR $91.5M — — — n/m — 35.32% (145.78%) Compare
JZXN Jiuzi Holdings, Inc. $54.6M — (loss-making) — (loss-making) −79.91% (below 0%: shrinking) n/m −75.29% (below 0%: shrinking) (1.14%) 0.00% Compare
AZI Autozi Internet Technology (Global) Ltd. $42.8M — — — — +7.84% (above 0%: growing) — — Compare
NXB NextBoat Inc. $34.2M — (loss-making) 29.2× +88.41% (above 0%: growing) n/m −46.86% (below 0%: shrinking) 16.14% (1.75%) Compare
SDA SunCar Technology Group Inc. $15.7M — (loss-making) 5.8× — n/m +192.93% (above 0%: growing) 100.00% 2.30% Compare
CRMT America's Car-Mart, Inc. $12.7M — (loss-making) — (loss-making) −57.30% (below 0%: shrinking) n/m +1,371.98% (above 0%: growing) 51.79% 15.18%
UCAR U Power Limited $5.3M — — — — −7.17% (below 0%: shrinking) (146.75%) 0.00% Compare
Median of peers $48.7M — — +43.69% — −46.86% 16.14% 0.00%

All 25 Auto & Truck Dealerships stocks →

Pay and ownership Proxy statement filed 14 August 2026

Ownership

Directors and executive officers, together 18.40%
Silver Point Capital, L.P. 9.80%
Magnolia Capital Fund, LP 7.90%
Jonathan Z. Buba 7.80%
Massachusetts Institute of Technology 7.00%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

America's Car-Mart, Inc. (CRMT) Latest News

26 Oct

Impact 4 · · StockStory

20 Oct

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14 Oct

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6 Oct

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25 Sep

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15 Jul

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14 Jul

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12 May

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19 Mar

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12 Mar

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10 Feb

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30 Jan

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stockrow.com/CRMT · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com