Symbols / CRMT Stock $12.71 +4.10% America's Car-Mart, Inc.

Consumer Cyclical • Auto & Truck Dealerships • United States • NMS
CRMT (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Consumer Cyclical
Industry Auto & Truck Dealerships
CEO Mr. Douglas W. Campbell
Exch · Country NMS · United States
Market Cap 105.52M
Enterprise Value 940.31M
Income -94.32M
Sales 1.34B
FCF (ttm) 48.24M
Book/sh 57.73
Cash/sh 14.20
Employees 2,300
Insider 10d —
IPO Mar 13, 1987
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E -11.30
PEG —
P/S 0.08
P/B 0.22
P/C —
EV/EBITDA 30.84
EV/Sales 0.70
Quick Ratio 20.70
Current Ratio 24.95
Debt/Eq 198.45
LT Debt/Eq —
EPS (ttm) -11.28
EPS next Y -1.12
EPS Growth —
Revenue Growth -12.00%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-03-12
Earnings (prior) 2026-03-12
ROA 0.86%
ROE -18.16%
ROIC —
Gross Margin 44.93%
Oper. Margin -4.25%
Profit Margin -7.02%
Shs Outstand 8.30M
Shs Float 5.18M
Insider Own 15.08%
Instit Own 84.87%
Short Float 23.40%
Short Ratio 8.42
Short Interest 1.37M
52W High 62.72
vs 52W High -79.74%
52W Low 10.58
vs 52W Low 20.13%
Beta 1.26
Impl. Vol. —
Rel Volume 0.50
Avg Volume 142.42K
Volume 71.55K
Target (mean) $20.00
Tgt Median $20.00
Tgt Low $14.00
Tgt High $26.00
# Analysts 2
Recom None
Prev Close $12.21
Price $12.71
Change 4.10%
About

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 Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$20.00
Mean price target
2. Current target
$12.71
Latest analyst target
3. DCF / Fair value
$104.59
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$12.71
Low
$14.00
High
$26.00
Mean
$20.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-17 main Jefferies Hold → Hold $14
2025-12-30 main Jefferies Hold → Hold $29
2025-09-05 main Stephens & Co. Overweight → Overweight $45
2024-11-13 init Stephens & Co. — → Equal-Weight $50
2024-06-07 init BTIG — → Neutral —
2024-04-10 main B of A Securities Underperform → Underperform $50
2024-02-06 reit Stephens & Co. Equal-Weight → Equal-Weight $82
2024-01-02 down Stephens & Co. Overweight → Equal-Weight —
2023-12-06 main Stephens & Co. Overweight → Overweight $83
2023-07-17 up Stephens & Co. Equal-Weight → Overweight $136
2022-08-19 down Stephens & Co. Overweight → Equal-Weight $83
2022-05-25 main Stephens & Co. — → Overweight $113
2022-04-06 down B of A Securities Buy → Underperform $123
2021-07-16 main B of A Securities — → Buy $194
2021-05-26 main Stephens & Co. — → Overweight $176
2020-03-03 main B of A Securities — → Buy $140
2020-02-21 main Stephens & Co. — → Equal-Weight $139
2019-08-19 main Buckingham Research — → Buy $111
2019-03-28 init Buckingham Research — → Buy $103
2018-09-06 main B of A Securities Buy → Buy $94
News
RSS: Latest CRMT news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-27 PETERSON ADAM K Beneficial Owner of more than 10% of a Class of Security — 8,000 $12.59 $100,720
2025-12-11 COLLINS JONATHAN M Chief Financial Officer — 197 $25.27 $4,978
2025-09-25 JOPLIN BRANDI N Director — 2,919 $0.00 $0
2025-09-17 FISCHER JAMIE Chief Operating Officer — 6,211 $0.00 $0
2025-06-17 COLLINS JONATHAN M Chief Financial Officer — 102 $49.30 $5,029
2025-06-11 PETERSON ADAM K Beneficial Owner of more than 10% of a Class of Security — 154,269 $55.49 $8,689,490
2025-06-05 COLLINS JONATHAN M Chief Financial Officer — 6,145 $0.00 $0
2025-05-22 JUDY VICKIE D Officer — 9,453 $0.00 $0
2025-05-01 WILLIAMS JEFFREY A Director — 3,135 $0.00 $0
2025-05-01 MORRIS DAWN C Director — 3,135 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-04-30 2024-04-30 2023-04-30 2022-04-30
Total Revenue
1,390.93
-0.21%
1,393.89
-0.47%
1,400.41
+17.63%
1,190.54
Operating Revenue
1,390.93
-0.21%
1,393.89
-0.47%
1,400.41
+17.63%
1,190.54
Cost Of Revenue
726.05
-4.28%
758.55
-5.28%
800.79
+21.59%
658.62
Reconciled Cost Of Revenue
726.05
-4.28%
758.55
-5.28%
800.79
+21.59%
658.62
Gross Profit
664.88
+4.65%
635.35
+5.96%
599.62
+12.73%
531.92
Operating Expense
571.13
-6.33%
609.70
+13.93%
535.16
+34.39%
398.22
Selling General And Administration
188.92
+5.29%
179.42
+1.54%
176.70
+13.17%
156.13
Total Expenses
1,297.18
-5.19%
1,368.24
+2.42%
1,335.95
+26.41%
1,056.83
Operating Income
93.75
+265.50%
25.65
-60.21%
64.47
-51.78%
133.70
EBITDA
101.10
+215.10%
32.08
-53.97%
69.71
-49.34%
137.59
Normalized EBITDA
101.40
+211.79%
32.52
-53.59%
70.07
-49.13%
137.74
Reconciled Depreciation
7.65
+11.29%
6.87
+22.65%
5.60
+38.90%
4.03
EBIT
93.45
+270.65%
25.21
-60.67%
64.11
-52.00%
133.55
Total Unusual Items
-0.30
+31.58%
-0.44
-21.05%
-0.36
-142.28%
-0.15
Total Unusual Items Excluding Goodwill
-0.30
+31.58%
-0.44
-21.05%
-0.36
-142.28%
-0.15
Special Income Charges
-0.30
+31.58%
-0.44
-21.05%
-0.36
-142.28%
-0.15
Net Income
17.93
+157.12%
-31.39
-253.65%
20.43
-78.50%
95.01
Pretax Income
22.80
+156.81%
-40.13
-255.60%
25.79
-78.97%
122.64
Net Non Operating Interest Income Expense
-70.65
-8.11%
-65.35
-70.57%
-38.31
-250.87%
-10.92
Interest Expense Non Operating
70.65
+8.11%
65.35
+70.57%
38.31
+250.87%
10.92
Net Interest Income
-70.65
-8.11%
-65.35
-70.57%
-38.31
-250.87%
-10.92
Interest Expense
70.65
+8.11%
65.35
+70.57%
38.31
+250.87%
10.92
Other Income Expense
-0.30
+31.58%
-0.44
-21.05%
-0.36
-142.28%
-0.15
Tax Provision
4.87
+155.70%
-8.74
-263.04%
5.36
-80.59%
27.62
Tax Rate For Calcs
0.00
-1.96%
0.00
+4.78%
0.00
-7.70%
0.00
Tax Effect Of Unusual Items
-0.06
+32.92%
-0.10
-26.84%
-0.08
-123.62%
-0.03
Net Income Including Noncontrolling Interests
17.93
+157.12%
-31.39
-253.65%
20.43
-78.50%
95.01
Net Income From Continuing Operation Net Minority Interest
17.93
+157.12%
-31.39
-253.65%
20.43
-78.50%
95.01
Net Income From Continuing And Discontinued Operation
17.93
+157.12%
-31.39
-253.65%
20.43
-78.50%
95.01
Net Income Continuous Operations
17.93
+157.12%
-31.39
-253.65%
20.43
-78.50%
95.01
Normalized Income
18.17
+158.51%
-31.05
-249.88%
20.72
-78.22%
95.13
Net Income Common Stockholders
17.89
+156.92%
-31.43
-254.14%
20.39
-78.53%
94.97
Diluted EPS
2.33
+147.36%
-4.92
-258.21%
3.11
-77.25%
13.67
Basic EPS
2.38
+148.37%
-4.92
-253.75%
3.20
-77.67%
14.33
Basic Average Shares
7.52
+17.79%
6.39
+0.27%
6.37
-2.13%
6.51
Diluted Average Shares
7.68
+20.24%
6.39
-2.72%
6.57
-3.76%
6.82
Diluted NI Availto Com Stockholders
17.89
+156.92%
-31.43
-254.14%
20.39
-78.53%
94.97
Depreciation Amortization Depletion Income Statement
7.65
+11.29%
6.87
+22.65%
5.60
+38.90%
4.03
Depreciation And Amortization In Income Statement
7.65
+11.29%
6.87
+22.65%
5.60
+38.90%
4.03
Gain On Sale Of PPE
-0.30
+31.58%
-0.44
-21.05%
-0.36
-142.28%
-0.15
Preferred Stock Dividends
0.04
+0.00%
0.04
+0.00%
0.04
+0.00%
0.04
Provision For Doubtful Accounts
374.56
-11.54%
423.41
+19.99%
352.86
+48.23%
238.05
Line Item Trend 2025-04-30 2024-04-30 2023-04-30 2022-04-30
Total Assets
1,606.47
+8.72%
1,477.64
+4.45%
1,414.74
+22.52%
1,154.70
Current Assets
1,424.87
+8.74%
1,310.37
+4.32%
1,256.16
+20.57%
1,041.83
Cash Cash Equivalents And Short Term Investments
9.81
+77.62%
5.52
-43.63%
9.80
+41.64%
6.92
Cash And Cash Equivalents
9.81
+77.62%
5.52
-43.63%
9.80
+41.64%
6.92
Receivables
1,188.11
+7.19%
1,108.46
+2.75%
1,078.83
+24.16%
868.87
Accounts Receivable
1,180.01
+7.48%
1,097.93
+3.31%
1,062.76
+23.05%
863.67
Gross Accounts Receivable
1,503.11
+5.17%
1,429.19
+4.90%
1,362.37
+23.68%
1,101.50
Allowance For Doubtful Accounts Receivable
-323.10
+2.46%
-331.26
-10.56%
-299.61
-25.98%
-237.82
Taxes Receivable
0.00
-100.00%
2.96
-68.05%
9.26
+3279.20%
0.27
Accrued Interest Receivable
7.43
+7.60%
6.91
+12.95%
6.12
+24.14%
4.93
Loans Receivable
0.66
+0.45%
0.66
-5.71%
0.70
—
Inventory
112.23
+4.43%
107.47
-1.67%
109.29
-5.21%
115.30
Prepaid Assets
—
—
—
9.04
Restricted Cash
114.73
+29.02%
88.92
+52.69%
58.24
+63.26%
35.67
Other Current Assets
—
—
21.43
+42.20%
15.07
Total Non Current Assets
181.60
+8.57%
167.27
+5.48%
158.58
+40.51%
112.86
Net PPE
120.72
-0.68%
121.55
+0.60%
120.82
+15.91%
104.24
Gross PPE
178.03
+3.84%
171.45
+3.35%
165.90
+14.22%
145.24
Accumulated Depreciation
-57.31
-14.84%
-49.91
-10.71%
-45.08
-9.94%
-41.00
Properties
0.00
0.00
0.00
0.00
Land And Improvements
12.00
+0.00%
12.00
-3.13%
12.39
+5.42%
11.75
Buildings And Improvements
23.57
+0.60%
23.43
+12.16%
20.89
+50.58%
13.88
Machinery Furniture Equipment
26.14
+20.17%
21.75
+14.55%
18.99
+86.84%
10.16
Construction In Progress
1.03
-57.04%
2.39
-66.65%
7.18
-49.59%
14.23
Other Properties
63.83
+4.31%
61.19
+3.45%
59.14
+0.53%
58.83
Leases
51.47
+1.53%
50.69
+7.13%
47.31
+30.01%
36.39
Goodwill And Other Intangible Assets
22.80
+57.81%
14.45
+23.33%
11.72
+35.87%
8.62
Goodwill
22.80
+57.81%
14.45
+23.33%
11.72
+35.87%
8.62
Other Non Current Assets
38.08
+21.76%
31.28
+20.11%
26.04
—
Total Liabilities Net Minority Interest
1,036.55
+2.99%
1,006.49
+9.90%
915.79
+35.12%
677.76
Current Liabilities
372.08
+5.17%
353.80
+9.51%
323.07
+96.00%
164.83
Payables And Accrued Expenses
52.78
+68.22%
31.38
-11.29%
35.37
+27.82%
27.67
Payables
36.43
+70.41%
21.38
-21.39%
27.20
+35.61%
20.05
Accounts Payable
34.98
+63.62%
21.38
-21.39%
27.20
+35.61%
20.05
Current Accrued Expenses
16.35
+63.56%
10.00
+22.33%
8.17
+7.30%
7.62
Employee Benefits
7.98
-25.90%
10.77
-3.78%
11.20
-12.97%
12.87
Total Tax Payable
1.45
0.00
—
0.00
Income Tax Payable
1.45
0.00
—
0.00
Current Debt And Capital Lease Obligation
206.06
+2.19%
201.64
+20.58%
167.23
+274.37%
44.67
Current Debt
206.06
+2.19%
201.64
+20.58%
167.23
+274.37%
44.67
Current Deferred Liabilities
113.25
-6.24%
120.78
+0.26%
120.47
+30.25%
92.49
Current Deferred Revenue
113.25
-6.24%
120.78
+0.26%
120.47
+30.25%
92.49
Total Non Current Liabilities Net Minority Interest
664.47
+1.80%
652.70
+10.12%
592.72
+15.56%
512.93
Long Term Debt And Capital Lease Obligation
639.01
+3.42%
617.88
+15.78%
533.67
+16.66%
457.47
Long Term Debt
572.01
+3.32%
553.63
+17.45%
471.37
+19.04%
395.99
Long Term Capital Lease Obligation
67.00
+4.28%
64.25
+3.13%
62.30
+1.33%
61.48
Long Term Provisions
—
—
5.69
+19.60%
4.76
Non Current Deferred Liabilities
17.47
-27.33%
24.04
-49.76%
47.86
+26.48%
37.84
Non Current Deferred Revenue
—
—
120.47
+30.25%
92.49
Non Current Deferred Taxes Liabilities
17.47
-27.33%
24.04
-49.76%
47.86
+26.48%
37.84
Stockholders Equity
569.82
+20.97%
471.05
-5.57%
498.85
+4.62%
476.83
Common Stock Equity
569.42
+20.99%
470.65
-5.58%
498.45
+4.62%
476.43
Capital Stock
0.56
+3.54%
0.54
+0.00%
0.54
+0.19%
0.54
Common Stock
0.16
+13.87%
0.14
+0.00%
0.14
+0.74%
0.14
Preferred Stock
0.40
+0.00%
0.40
+0.00%
0.40
+0.00%
0.40
Share Issued
15.61
+13.69%
13.73
+0.19%
13.70
+0.43%
13.64
Ordinary Shares Number
8.26
+29.22%
6.39
+0.33%
6.37
+0.02%
6.37
Treasury Shares Number
7.34
+0.14%
7.33
+0.06%
7.33
+0.80%
7.27
Additional Paid In Capital
195.22
+71.36%
113.93
+3.64%
109.93
+6.61%
103.11
Retained Earnings
672.26
+2.73%
654.37
-4.58%
685.80
+3.06%
665.41
Gains Losses Not Affecting Retained Earnings
—
—
-297.42
-1.78%
-292.23
Treasury Stock
298.22
+0.15%
297.79
+0.12%
297.42
+1.78%
292.23
Minority Interest
0.10
+0.00%
0.10
+0.00%
0.10
+0.00%
0.10
Other Equity Adjustments
—
—
-297.42
-1.78%
-292.23
Total Equity Gross Minority Interest
569.92
+20.96%
471.15
-5.57%
498.95
+4.62%
476.93
Total Capitalization
1,141.83
+11.43%
1,024.68
+5.61%
970.21
+11.16%
872.82
Working Capital
1,052.79
+10.06%
956.57
+2.52%
933.09
+6.40%
877.00
Invested Capital
1,347.49
+9.92%
1,225.92
+7.82%
1,137.05
+23.98%
917.09
Total Debt
845.07
+3.12%
819.52
+16.92%
700.90
+39.58%
502.14
Net Debt
768.26
+2.47%
749.75
+19.23%
628.80
+44.97%
433.74
Capital Lease Obligations
67.00
+4.28%
64.25
+3.13%
62.30
+1.33%
61.48
Net Tangible Assets
547.02
+19.80%
456.60
-6.27%
487.13
+4.04%
468.21
Tangible Book Value
546.62
+19.82%
456.20
-6.27%
486.73
+4.04%
467.81
Interest Payable
2.15
-2.97%
2.22
—
—
Line Of Credit
206.06
+2.19%
201.64
+20.58%
167.23
+274.37%
44.67
Preferred Stock Equity
0.40
+0.00%
0.40
+0.00%
0.40
+0.00%
0.40
Line Item Trend 2025-04-30 2024-04-30 2023-04-30 2022-04-30
Operating Cash Flow
-48.76
+34.01%
-73.90
+45.55%
-135.73
-13.89%
-119.18
Cash Flow From Continuing Operating Activities
-48.76
+34.01%
-73.90
+45.55%
-135.73
-13.89%
-119.18
Net Income From Continuing Operations
17.93
+157.12%
-31.39
-253.65%
20.43
-78.50%
95.01
Depreciation Amortization Depletion
7.65
+11.29%
6.87
+22.65%
5.60
+38.90%
4.03
Depreciation And Amortization
7.65
+11.29%
6.87
+22.65%
5.60
+38.90%
4.03
Other Non Cash Items
40.88
+3.03%
39.68
+29.86%
30.56
+34.94%
22.65
Stock Based Compensation
4.71
+12.79%
4.17
-21.45%
5.31
-3.31%
5.50
Provisionand Write Offof Assets
374.56
-11.54%
423.41
+19.99%
352.86
+48.23%
238.05
Asset Impairment Charge
0.14
-47.57%
0.27
0.00
0.00
Deferred Tax
-10.66
+50.43%
-21.51
-342.58%
8.87
+1.33%
8.75
Deferred Income Tax
-10.66
+50.43%
-21.51
-342.58%
8.87
+1.33%
8.75
Operating Gains Losses
-0.00
-100.46%
0.44
+21.05%
0.36
+142.28%
0.15
Gain Loss On Sale Of PPE
-0.00
-100.46%
0.44
+21.05%
0.36
+142.28%
0.15
Change In Working Capital
-483.97
+2.39%
-495.84
+11.41%
-559.72
-13.46%
-493.32
Change In Receivables
-606.23
+2.99%
-624.91
+14.14%
-727.86
-22.61%
-593.62
Changes In Account Receivables
-605.70
+2.95%
-624.12
+14.11%
-726.67
-22.74%
-592.06
Change In Inventory
114.57
-17.68%
139.19
+4.61%
133.05
+160.59%
51.06
Change In Prepaid Assets
-6.81
+7.85%
-7.39
-18.46%
-6.24
+21.81%
-7.97
Change In Payables And Accrued Expense
17.62
+288.65%
-9.34
-208.32%
8.62
+66.85%
5.17
Change In Payable
—
—
8.62
+66.88%
5.17
Change In Account Payable
—
—
8.62
+66.88%
5.17
Change In Other Working Capital
-3.13
-147.29%
6.61
-79.78%
32.71
-37.16%
52.05
Investing Cash Flow
-11.38
-6.86%
-10.64
+61.39%
-27.57
-58.91%
-17.35
Cash Flow From Continuing Investing Activities
-11.38
-6.86%
-10.64
+61.39%
-27.57
-58.91%
-17.35
Net PPE Purchase And Sale
-3.85
+34.00%
-5.83
+73.53%
-22.02
-39.59%
-15.78
Purchase Of PPE
-3.89
+36.71%
-6.15
+72.20%
-22.11
-39.95%
-15.80
Sale Of PPE
0.04
-86.71%
0.32
+276.19%
0.08
+320.00%
0.02
Capital Expenditure
-3.89
+36.71%
-6.15
+72.20%
-22.11
-39.95%
-15.80
Net Investment Purchase And Sale
-7.53
-56.32%
-4.82
+13.23%
-5.55
-252.54%
-1.57
Purchase Of Investment
-7.53
-56.32%
-4.82
+13.23%
-5.55
-252.54%
-1.57
Financing Cash Flow
90.23
-18.68%
110.96
-41.21%
188.75
+7.11%
176.22
Cash Flow From Continuing Financing Activities
90.23
-18.68%
110.96
-41.21%
188.75
+7.11%
176.22
Net Issuance Payments Of Debt
25.60
-78.20%
117.43
-39.70%
194.74
-10.78%
218.26
Issuance Of Debt
1,250.98
+7.39%
1,164.93
+25.98%
924.71
+26.48%
731.11
Repayment Of Debt
-1,225.84
-16.93%
-1,048.33
-43.61%
-729.96
-42.84%
-511.04
Long Term Debt Issuance
1,250.98
+7.39%
1,164.93
+25.98%
924.71
+26.48%
731.11
Long Term Debt Payments
-1,225.84
-16.93%
-1,048.33
-43.61%
-729.96
-42.84%
-511.04
Net Long Term Debt Issuance
25.14
-78.44%
116.61
-40.12%
194.74
-11.51%
220.06
Net Short Term Debt Issuance
0.47
-43.38%
0.82
0.00
+100.00%
-1.80
Net Common Stock Issuance
73.67
+88861.45%
-0.08
+98.31%
-4.91
+85.73%
-34.41
Common Stock Payments
-0.43
-18.90%
-0.36
+92.98%
-5.20
+85.03%
-34.70
Common Stock Dividend Paid
-0.04
+0.00%
-0.04
+0.00%
-0.04
+0.00%
-0.04
Cash Dividends Paid
-0.04
+0.00%
-0.04
+0.00%
-0.04
+0.00%
-0.04
Repurchase Of Capital Stock
-0.43
-18.90%
-0.36
+92.98%
-5.20
+85.03%
-34.70
Proceeds From Stock Option Exercised
0.00
+100.00%
-0.46
-137.42%
1.22
+181.72%
-1.49
Net Other Financing Charges
-9.01
-52.72%
-5.90
-160.58%
-2.26
+62.95%
-6.11
Changes In Cash
30.09
+13.92%
26.41
+3.80%
25.45
-35.89%
39.69
Beginning Cash Position
94.45
+38.82%
68.03
+59.75%
42.59
+1372.07%
2.89
End Cash Position
124.54
+31.86%
94.45
+38.82%
68.03
+59.75%
42.59
Free Cash Flow
-52.65
+34.22%
-80.04
+49.29%
-157.83
-16.94%
-134.97
Interest Paid Supplemental Data
70.65
+7.62%
65.65
+79.34%
36.60
+251.26%
10.42
Income Tax Paid Supplemental Data
11.13
+72.35%
6.46
+17.86%
5.48
-71.51%
19.24
Common Stock Issuance
74.11
+26178.72%
0.28
-1.40%
0.29
-2.39%
0.29
Excess Tax Benefit From Stock Based Compensation
0.00
0.00
0.00
—
Issuance Of Capital Stock
74.11
+26178.72%
0.28
-1.40%
0.29
-2.39%
0.29
SEC Filings

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