CRMT
AMERICAS CARMART INC
Next earnings Aug 5, 2026 · consensus $-0.53 EPS, $341M rev
Last earnings -20.0% on 2026-03-12
$2.60
▼ -31.40%$2.60▼ -94.97%
over 1Y
L $2.09EODHDH $62.05
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-31.4%
1W-13.6%
1M-78.9%
3M-80.1%
YTD-89.3%
1Y-95.0%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 9 analysts
Buy
Undemanding valuation (P/E 1.0); but revenue declined -1.3% YoY.
Revenue (FY2025) $1.15B · FY2025
The read
It screens cheap (~3080% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
AMERICAS CARMART INC shows $1.15B in FY2025 revenue (-1.3% YoY), a 1.6% net margin, and 3.1% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $799M | $1.04B | $1.20B | $1.16B | $1.15B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $105M | $95.0M | $20.4M | -$31.4M | $17.9M |
| Diluted EPS | $15.05 | $13.92 | $3.11 | -$4.92 | $2.33 |
| Net margin | 13.1% | 9.1% | 1.7% | -2.7% | 1.6% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)0.01
Earnings yield83.3%
FCF yield-244.7%
Quality & risk
ROIC (est.)—
Free cash flow-$52.7M
Total debt$194K
Net cash$9.61M
Piotroski F-Score3/7
Capital returns
Buyback yield2.0%
Dividend yield (est.)0.2%
Shareholder yield2.2%
Shares Δ YoY+29.4%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRed flag in recent filings — material impairment (2026-04-07). Worth a closer look.
- 8-K Officer / director change2026-06-25
- 8-K Material agreement2026-06-12
- 8-K Officer / director change2026-06-05
- 8-K Officer / director change2026-05-29
- 8-K Material impairment2026-04-07
- 8-K Earnings results2026-03-12
- 10-Q Quarterly report2026-03-12
- S-1 Securities registration2026-01-09
- 10-Q Quarterly report2025-12-09
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-26open ↗8-KPeriod ending 2026-06-192026-06-25open ↗8-KPeriod ending 2026-06-122026-06-12open ↗3Period ending 2026-05-222026-06-10open ↗4Period ending 2026-06-052026-06-09open ↗4Period ending 2026-01-162026-06-05open ↗4Period ending 2026-06-032026-06-05open ↗4Period ending 2026-06-032026-06-05open ↗4Period ending 2026-06-032026-06-05open ↗8-KPeriod ending 2026-06-012026-06-05open ↗424B3Filing2026-06-05open ↗8-KPeriod ending 2026-05-222026-05-29open ↗
Frequently asked
- Is AMERICAS CARMART INC (CRMT) a buy?
- CRMT currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Undemanding valuation (P/E 1.0); but revenue declined -1.3% YoY.
- What is CRMT's fair value?
- A Modified-Graham model based on CRMT's SEC fundamentals estimates a fair value of about $82.67. It is an estimate from reported earnings, not a price target.
- Is CRMT overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CRMT currently appears undervalued relative to its SEC-grounded earnings power.
- What is AMERICAS CARMART INC's quality score?
- CRMT scores 69.79411764705883/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000799850, latest 10-Q filed 2026-03-12) · EODHD · as of 6/20/2026, 7:38:12 AM.
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