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America's Car-Mart, Inc. logo

America's Car-Mart, Inc.

CRMT

NASDAQConsumer CyclicalAuto - Dealerships

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Previous close

$2.38

−$0.45 · -15.90%

Aug 21, 4:00 PM ET

CRMT company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Sell

Trim exposure — unfavorable risk-reward

Valuation

20

Overpriced

Momentum

17

Strong Down

Sentiment

53

Mixed

Risk resilience

29

High Risk

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Company profile

Company website

Through its various subsidiaries, America's Car-Mart, Inc. functions as an automotive retailer across the United States. The company's core business involves selling pre-owned, older model vehicles, complemented by providing financing solutions directly to its clientele. As of April 30, 2022, it managed 154 dealership locations, predominantly situated within the South-Central U.S. This Rogers, Arkansas-based enterprise commenced operations in 1981.

Industry
Auto - Dealerships
Sector
Consumer Cyclical
Headquarters
US
CEO
Douglas W. Campbell
Listed since
Mar 13, 1987
Employees
1,500

Market position

Day range

Current $2.38

52-week range

Current $2.38

Open
$2.88
Previous close
$2.83
Volume
390.68K
0.23× average
Average volume
1.7M
Average daily volume
Market cap
19.82M USD
Beta
1.3
Market reference 1
50-day average
$3.1654
-24.81% below average
200-day average
$14.6716
-83.78% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
826.45M USD
P/E (TTM)
-0.15×
P/B (TTM)
0.04×
P/S (TTM)
0.02×
EV / EBITDA
-8.28×
Earnings yield
-137.48%
Free cash flow yield
62.39%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
45.28%
Operating margin
1.28%
Net margin
-11.02%
Return on equity
-31.23%
Return on assets
-9.82%
Return on invested capital
-8.63%

Financial health

Debt / equity
1.73×
Current ratio
7.96×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends54%30%7%-17%Gross margin, FY2022: 45.26%Gross margin, FY2023: 42.66%Gross margin, FY2024: 45.09%Gross margin, FY2025: 47.80%Gross margin, FY2026: 48.18%Operating margin, FY2022: 10.84%Operating margin, FY2023: 4.59%Operating margin, FY2024: 1.84%Operating margin, FY2025: 6.74%Operating margin, FY2026: -8.44%Net margin, FY2022: 7.84%Net margin, FY2023: 1.45%Net margin, FY2024: -2.25%Net margin, FY2025: 1.29%Net margin, FY2026: -10.86%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 45.26%. Gross margin FY2023 42.66%. Gross margin FY2024 45.09%. Gross margin FY2025 47.80%. Gross margin FY2026 48.18%. Operating margin FY2022 10.84%. Operating margin FY2023 4.59%. Operating margin FY2024 1.84%. Operating margin FY2025 6.74%. Operating margin FY2026 -8.44%. Net margin FY2022 7.84%. Net margin FY2023 1.45%. Net margin FY2024 -2.25%. Net margin FY2025 1.29%. Net margin FY2026 -10.86%.

Income trends

Revenue

1.28B USD-7.87%

Operating income

−108.1M USD−201.85M USD

Net income

−139.15M USD−157.04M USD
Income trends across reported periods1.56B USD942.1M USD324.24M USD−293.62M USDRevenue, FY2022: 1.21B USDRevenue, FY2023: 1.41B USDRevenue, FY2024: 1.39B USDRevenue, FY2025: 1.39B USDRevenue, FY2026: 1.28B USDOperating income, FY2022: 131.47M USDOperating income, FY2023: 64.47M USDOperating income, FY2024: 25.65M USDOperating income, FY2025: 93.75M USDOperating income, FY2026: −108.1M USDNet income, FY2022: 95.01M USDNet income, FY2023: 20.43M USDNet income, FY2024: −31.39M USDNet income, FY2025: 17.89M USDNet income, FY2026: −139.15M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 1.21B USD. Revenue FY2023 1.41B USD. Revenue FY2024 1.39B USD. Revenue FY2025 1.39B USD. Revenue FY2026 1.28B USD. Operating income FY2022 131.47M USD. Operating income FY2023 64.47M USD. Operating income FY2024 25.65M USD. Operating income FY2025 93.75M USD. Operating income FY2026 −108.1M USD. Net income FY2022 95.01M USD. Net income FY2023 20.43M USD. Net income FY2024 −31.39M USD. Net income FY2025 17.89M USD. Net income FY2026 −139.15M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue1.28B USD1.39B USD1.39B USD1.41B USD1.21B USD
Cost of goods sold664.02M USD726.06M USD765.42M USD805.87M USD663.63M USD
Gross profit617.44M USD664.88M USD628.48M USD599.63M USD548.73M USD
Selling, general, and administrative208.08M USD188.92M USD602.83M USD176.7M USD156.13M USD
Operating expenses725.5M USD571.13M USD602.83M USD535.16M USD417.26M USD
Interest expense74.49M USD70.65M USD65.35M USD38.31M USD10.92M USD
Depreciation and amortization8.21M USD7.65M USD6.87M USD5.6M USD4.03M USD
Operating income−108.1M USD93.75M USD25.65M USD64.47M USD131.47M USD
Net income−139.15M USD17.89M USD−31.39M USD20.43M USD95.01M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
36%
4 beats, 6 misses, 1 met estimate
Average EPS surprise
+43.15%
11 comparable reports
Latest EPS result
0.48
Estimate -0.66 · Beat by 172.73%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.1-1.96-6.03-10.09Q4 '24BeatQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ3 '26BeatQ3 '26Estimate
Q4 2024, reported Dec 5, 2024: actual 0.61, estimate 0.05, surprise +1120.00%, Beat. Q1 2025, reported Mar 6, 2025: actual 0.37, estimate -0.01, surprise +3800.00%, Beat. Q2 2025, reported Jun 12, 2025: actual 1.26, estimate 0.863, surprise +46.00%, Beat. Q3 2025, reported Sep 4, 2025: actual -0.69, estimate 0.69, surprise -200.00%, Miss. Q4 2025, reported Dec 4, 2025: actual -0.79, estimate -0.337, surprise -134.65%, Miss. Q1 2026, reported Mar 12, 2026: actual -9.25, estimate -0.257, surprise -3503.85%, Miss. Q3 2026, reported Jul 14, 2026: actual 0.48, estimate -0.66, surprise +172.73%, Beat. Q3 2026, reported Sep 9, 2026: actual —, estimate -0.67, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates384.98M336.06M287.14M238.22MQ4 '24BeatQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26MissQ3 '26MissQ3 '26Estimate
Q4 2024, reported Dec 5, 2024: actual 347.27M USD, estimate 336.06M USD, surprise +3.33%, Beat. Q1 2025, reported Mar 6, 2025: actual 325.73M USD, estimate 295.25M USD, surprise +10.32%, Beat. Q2 2025, reported Jun 12, 2025: actual 370.17M USD, estimate 351.85M USD, surprise +5.21%, Beat. Q3 2025, reported Sep 4, 2025: actual 341.31M USD, estimate 359.21M USD, surprise -4.98%, Miss. Q4 2025, reported Dec 4, 2025: actual 350.19M USD, estimate 331.02M USD, surprise +5.79%, Beat. Q1 2026, reported Mar 12, 2026: actual 286.79M USD, estimate 329.26M USD, surprise -12.90%, Miss. Q3 2026, reported Jul 14, 2026: actual 302.83M USD, estimate 334.88M USD, surprise -9.57%, Miss. Q3 2026, reported Sep 9, 2026: actual —, estimate 253.03M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$14.00

488.24% upside
Past 12 months12-month forecastHigh $14.00Average $14.00Low $14.00

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ETFs holding CRMT

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
728.1K
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Schwab Fundamental U.S. Small Company Index ETF logoSchwab Fundamental U.S. Small Company Index ETFFNDA
Market value
283.49K
Weight
0.00%
AUM
9.26B USD
Expense ratio
0.25%
Price / 1D
$37.73+0.75%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
273.31K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
First Trust Dow Jones Select MicroCap Index Fund logoFirst Trust Dow Jones Select MicroCap Index FundFDM
Market value
120.37K
Weight
0.03%
AUM
423.22M USD
Expense ratio
0.65%
Price / 1D
$92.96+0.50%
Schwab U.S. Small-Cap ETF logoSchwab U.S. Small-Cap ETFSCHA
Market value
107.26K
Weight
0.00%
AUM
23.1B USD
Expense ratio
0.03%
Price / 1D
$34.83+0.52%
WisdomTree U.S. SmallCap Fund logoWisdomTree U.S. SmallCap FundEES
Market value
92.1K
Weight
0.01%
AUM
739.61M USD
Expense ratio
0.38%
Price / 1D
$68.46+0.63%
Vanguard Consumer Discretionary ETF logoVanguard Consumer Discretionary ETFVCR
Market value
86.62K
Weight
0.00%
AUM
6.6B USD
Expense ratio
0.09%
Price / 1D
$397.13+1.19%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
68.62K
Weight
0.00%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%

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