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America's Car-Mart(NASDAQ) CRMT

Current Price$3.53
Market Cap$30.48MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+1,155%
5 Year-98%
1 Year-93%
1 Month+22%
America's Car-Mart last closing stock price
MetricPriceDate
Last closeUSD 3.662026-07-22
America's Car-Mart stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-14.69%USD 4.292026-07-15
1 month+21.59%USD 3.012026-06-22
3 month-71%USD 12.622026-04-23
Year to date-85.51%USD 25.262025-12-31
1 year-93.41%USD 55.532025-07-22
3 year-96.73%USD 112.052023-07-21
5 year-97.64%USD 154.782021-07-23
Since inception+1,154.84%USD 0.291992-05-01

America's Car-Mart Financials at a Glance

Market Cap

$30.48MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.22B

Net Income (TTM)

-$134.50M

EPS (TTM)

-$16.22

P/E Ratio

-0.23

Dividend

$0.00

Beta (Volatility)

1.44 (Average)

Price

$3.53

Volume

6,356

Open

$3.72

Previous Close

$3.53

Daily Range

$3.39 - $3.74

52-Week Range

$1.38 - $56.05

Estimated Earnings Date

Sep 9, 2026

CRMT News

featured-earnings-leadership-highlights.png

Americas Car-Mart Grows Gross Margin

Motley Fool Markets TeamSep 4, 2025
Car lot full of cars.

Why America's Car-Mart Stock Crashed Today

Rich SmithSep 4, 2025
Foolcom-Featured.png

Car-Mart Reports 2% Revenue Drop in Q1

Motley Fool Markets TeamSep 4, 2025
Car lot full of cars.

Why America's Car-Mart Stock Crashed on Thursday

Rich SmithJun 12, 2025
1 big red arrow going down over a stock chart.

Why America's Car-Mart Stock Just Crashed 17%

Rich SmithDec 5, 2023
stock market down falling stock

Why America's Car-Mart Stock Was Down This Week

John BallardSep 7, 2023
1 big red arrow going down over a stock chart.

Why America's Car-Mart Stock Crashed 12% Today

Rich SmithSep 5, 2023
buy new car driver seat sales sale test drive

Why Car-Mart Stock Dropped This Week

Demitri KalogeropoulosFeb 24, 2023
Page 1

CRMT: Motley Fool Moneyball Superscore

39

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About America's Car-Mart

America's Car-Mart helps people buy used cars when banks say no. It sells older vehicles and offers in-house financing for buyers with limited credit. This makes car ownership possible for many who might otherwise be left out.

What’s on the Lot? (Products and Services)

  • Used Vehicle Sales: Sells older model cars, making up 85.1% of sales; targets buyers with limited credit.
  • In-House Financing: Offers installment loans with interest rates from 12.99% to 23.00% for car buyers.
  • Service Contracts: Provides vehicle service plans, 7.9% of sales, covering repairs for a set period.
  • Accident Protection Plans: Sells plans (3.1% of sales) that cancel loan balances if a car is totaled or stolen.
  • Wholesale Vehicle Sales: Sells repossessed vehicles to other dealers, representing 3.9% of sales.

Growth and Expansion: The Road So Far

  • Acquired Texas Auto Center in June 2024, adding two Texas locations.
  • Expanded dealership count to 154 as of July 2025, mainly in the South-Central US.
  • Rolled out a new loan origination system in 2025 to improve credit risk assessment.
  • Upgraded payments platform in 2025 to support more online transactions.
  • Broadened vehicle sourcing and reconditioning partnerships since 2024 to improve inventory quality.

What Makes Car-Mart Stand Out?

Car-Mart combines car sales and financing under one roof, serving buyers who lack access to traditional loans. Its proprietary credit scoring and flexible payment options help manage risk and customer retention. Technology upgrades support better underwriting and collections, giving it an operational edge in a challenging market.

Five Things You Need to Know

  • Revenue was $341.3 million in Q1 FY2026, down 1.9% year-over-year.
  • Gross margin rose to 36.6% in Q1 FY2026, up from 35.0% a year earlier.
  • Retail units sold fell 5.7% to 13,568 in Q1 FY2026.
  • Net loss was $5.75 million in Q1 FY2026, compared to $0.97 million loss last year.

Bottom Line

Car-Mart has grown by focusing on used car buyers with limited credit options. Its integrated sales and financing model adapts to changing market and customer needs.

AI Generated • Apr 16, 2026

Industry

Specialty Retail

Sector

Consumer Discretionary

Employees

1,500

CEO

Douglas W Campbell

Website

www.car-mart.com

Headquarters

Rogers, AR 72756, US

CRMT Financials

Key Financial Metrics (TTM)

Gross Margin

45.28%

Operating Margin

1.28%

Net Income Margin

-11.02%

Return on Equity

-26.30%

Return on Capital

-8.88%

Return on Assets

-9.49%

Earnings Yield

-4.35%

Dividend Yield

0.00%

Payout Ratio

-0.03%

Stock Overview

Market Cap

$30.48MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

8.33M

Volume

6.36K

Avg. Volume

1.69M

Financials (TTM)

Gross Profit

$552.81M

Operating Income

$15.65M

EBITDA

$19.13M

Operating Cash Flow

$64.96M

Capital Expenditure

-$1.81M

Free Cash Flow

$62.98M

Cash & ST Invst.

$46.96M

Total Debt

$772.20M

America's Car-Mart Performance Analysis

America's Car-Mart annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-04-30USD 1,400,413,00017.1%
20242024-04-30USD 1,393,894,000-0.5%
20252025-04-30USD 1,390,932,000-0.2%
20262026-04-30USD 1,281,502,000-7.9%
America's Car-Mart sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-07-31-7.8%
Q22025-10-312.6%
Q32026-01-31-18.1%
Q42026-04-30-15.4%
America's Car-Mart annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-04-30USD 3.11-77.7%
20242024-04-30USD -4.92N/A
20252025-04-30USD 2.33N/A
20262026-04-30USD -16.79N/A
America's Car-Mart sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q12025-07-31-154.8%
Q22025-10-31-294.2%
Q32026-01-31-240.1%
Q42026-04-3061.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2026YOY CHG

Revenue

$242.64M

-34.5%

Gross Profit

$75.62M

-56.4%

Gross Margin

31.16%

N/A

Market Cap

$30.48MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$13.25K

N/A

Employees

2,300

N/A

Net Income

-$29.57M

-378.3%

EBITDA

$29.98M

-5.7%

Quarterly Fundamentals

Name
Q4 2026YOY CHG

Total Cash

$46.96M

+378.8%

Total Debt

$772.20M

-8.6%

Accounts Receivable

$1.09B

-8.2%

Inventory

$54.07M

-51.8%

Long Term Debt

$772.20M

+20.8%

Short Term Debt

$0.00

-100.0%

Return on Assets

-9.49%

N/A

Return on Invested Capital

1.23%

N/A

Free Cash Flow

$67.28M

+264.5%

Operating Cash Flow

$67.74M

+252.5%

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Questions About CRMT

What is the current price of America's Car-Mart?

America's Car-Mart is trading at $3.53 per share.

What is the 52-week range for America's Car-Mart?

Over the past 52 weeks, America's Car-Mart has traded between $1.38 and $56.05.

How much debt does America's Car-Mart have?

As of the most recent reporting period, America's Car-Mart reported total debt of $772.20M.

How much cash does America's Car-Mart have on hand?

America's Car-Mart reported $131.65M in cash and cash equivalents in its most recent financial results.

What is America's Car-Mart’s dividend yield?

America's Car-Mart does not currently have a dividend yield.

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