NASDAQ : CRMT
America's Car-Mart, Inc. — Financial statements
Consumer Discretionary · Auto & Truck Dealerships · United States
Last price 1.04 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 8.67M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
America's Car-Mart, Inc. (CRMT) reported revenue of 1.08B USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year May - April; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Operating Revenue | 841.48M | 1.03B | 1.15B | 1.16B | 1.20B | 1.04B |
| Other Revenue | 238.67M | 247.79M | 239.42M | 228.20M | 191.82M | 148.75M |
| Revenue | 1.08B | 1.28B | 1.39B | 1.39B | 1.40B | 1.19B |
| Cost of Revenue | 946.92M | 1.08B | 1.10B | 1.18B | 800.79M | 896.67M |
| Gross Profit | 133.22M | 192.39M | 285.02M | 207.04M | 595.23M | 290.77M |
| Selling, General & Admin | 208.23M | 208.08M | 188.92M | 179.42M | 176.70M | 156.13M |
| Other Operating Expenses | -5.80M | -5.90M | -5.30M | -4.90M | -4.40M | -3.10M |
| Operating Expenses | 210.30M | 210.39M | 191.27M | 181.39M | 530.76M | 157.06M |
| Operating Income | -77.08M | -18.00M | 93.75M | 25.65M | 64.47M | 133.70M |
| Interest Expense | -76.68M | -74.49M | -70.65M | -65.35M | -38.31M | -10.92M |
| EBT Excluding Unusual Items | -153.75M | -92.49M | 23.10M | -39.70M | 26.16M | 122.78M |
| Gain (Loss) on Sale of Assets | -164.00K | 5.00K | -299.00K | -437.00K | -361.00K | -149.00K |
| Asset Writedown | -11.02M | -11.02M | ||||
| Other Unusual Items | -4.48M | -4.48M | ||||
| Pretax Income | -169.41M | -107.98M | 22.80M | -40.13M | 25.79M | 122.64M |
| Income Tax Expense | 32.95M | 31.13M | 4.87M | -8.74M | 5.36M | 27.62M |
| Net Income | -202.35M | -139.11M | 17.93M | -31.39M | 20.43M | 95.01M |
| Preferred Dividends & Other Adjustments | 40.00K | 40.00K | 40.00K | 40.00K | 40.00K | 40.00K |
| Net Income to Common | -202.40M | -139.15M | 17.89M | -31.43M | 20.39M | 94.97M |
| Shares Outstanding (Basic) | 8.30M | 8.29M | 7.52M | 6.39M | 6.37M | 6.51M |
| Shares Outstanding (Diluted) | 8.30M | 8.29M | 7.68M | 6.39M | 6.57M | 6.82M |
| EPS (Basic) | -24.38 | -16.79 | 2.38 | -4.92 | 3.20 | 14.59 |
| EPS (Diluted) | -24.38 | -16.79 | 2.33 | -4.92 | 3.11 | 13.92 |
| Free Cash Flow | 149.50M | 63.15M | -52.65M | -80.04M | -157.83M | -134.97M |
| Free Cash Flow Per Share | 18.01 | 7.62 | -6.86 | -12.53 | -24.04 | -19.78 |
| Gross Margin | 12.33% | 15.08% | 20.57% | 14.91% | 42.64% | 24.49% |
| Operating Margin | -7.14% | -1.41% | 6.77% | 1.85% | 4.62% | 11.26% |
| Profit Margin | -18.74% | -10.91% | 1.29% | -2.26% | 1.46% | 8.00% |
| Free Cash Flow Margin | 13.84% | 4.95% | -3.80% | -5.76% | -11.31% | -11.37% |
| EBITDA | -69.21M | -9.79M | 101.40M | 32.52M | 70.07M | 137.74M |
| EBITDA Margin | -6.41% | -0.77% | 7.32% | 2.34% | 5.02% | 11.60% |
| D&A For EBITDA | 7.87M | 8.21M | 7.65M | 6.87M | 5.60M | 4.03M |
| EBIT | -77.08M | -18.00M | 93.75M | 25.65M | 64.47M | 133.70M |
| EBIT Margin | -7.14% | -1.41% | 6.77% | 1.85% | 4.62% | 11.26% |
| Effective Tax Rate | 21.35% | 20.79% | 22.52% | |||
| Revenue as Reported | 1.09B | 1.28B | 1.39B | 1.39B | 1.40B | 1.19B |
Balance sheet
Fiscal year May - April; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 27.53M | 46.96M | 9.81M | 5.52M | 9.80M | 6.92M |
| Cash & Short-Term Investments | 27.53M | 46.96M | 9.81M | 5.52M | 9.80M | 6.92M |
| Accounts Receivable | 909.80M | 1.08B | 1.18B | 1.10B | 1.06B | 863.67M |
| Other Receivables | 10.52M | 11.55M | 7.43M | 9.87M | 15.37M | 5.20M |
| Receivables | 920.32M | 1.09B | 1.19B | 1.11B | 1.08B | 868.87M |
| Inventory | 35.19M | 54.07M | 112.23M | 107.47M | 109.29M | 115.30M |
| Prepaid Expenses | 19.04M | 13.05M | 18.18M | 14.58M | 26.04M | 15.07M |
| Restricted Cash | 82.44M | 84.68M | 114.73M | 88.92M | 58.24M | 35.67M |
| Other Current Assets | 16.50M | 18.30M | 19.90M | 16.70M | ||
| Total Current Assets | 1.10B | 1.31B | 1.46B | 1.34B | 1.28B | 1.04B |
| Property, Plant & Equipment | 82.35M | 86.28M | 120.72M | 121.55M | 120.82M | 104.24M |
| Goodwill | 22.76M | 22.77M | 22.80M | 14.45M | 11.72M | 8.62M |
| Total Assets | 1.21B | 1.42B | 1.61B | 1.48B | 1.41B | 1.15B |
| Accounts Payable | 22.17M | 32.06M | 34.98M | 21.38M | 27.20M | 20.05M |
| Accrued Expenses | 11.85M | 16.21M | 13.84M | 17.58M | 17.43M | 16.94M |
| Short-Term Debt | 1.29M | 823.00K | ||||
| Current Portion of Leases | 6.62M | 9.43M | ||||
| Current Income Taxes Payable | 1.45M | |||||
| Current Unearned Revenue | 5.52M | 5.33M | 4.20M | |||
| Other Current Liabilities | 17.46M | 14.36M | 16.62M | 9.43M | 10.49M | 15.69M |
| Total Current Liabilities | 63.61M | 77.39M | 72.38M | 49.21M | 55.11M | 52.69M |
| Long-Term Debt | 623.86M | 722.37M | 776.78M | 754.45M | 638.60M | 440.66M |
| Long-Term Leases | 40.77M | 40.41M | 67.00M | 64.25M | 62.30M | 61.48M |
| Long-Term Unearned Revenue | 66.81M | 96.41M | 113.25M | 120.78M | 120.47M | 92.49M |
| Long-Term Deferred Tax Liabilities | 34.21M | 34.21M | 7.15M | 17.81M | 39.31M | 30.45M |
| Total Liabilities | 829.26M | 970.78M | 1.04B | 1.01B | 915.79M | 677.76M |
| Common Stock | 157.00K | 157.00K | 156.00K | 137.00K | 137.00K | 136.00K |
| Additional Paid-In Capital | 210.65M | 210.81M | 195.22M | 113.93M | 109.93M | 103.11M |
| Retained Earnings | 464.12M | 533.11M | 672.26M | 654.37M | 685.80M | 665.41M |
| Treasury Stock | -298.54M | -298.52M | -298.22M | -297.79M | -297.42M | -292.23M |
| Total Common Equity | 376.38M | 445.56M | 569.42M | 470.65M | 498.45M | 476.43M |
| Minority Interest | 500.00K | 500.00K | 500.00K | 500.00K | 500.00K | 500.00K |
| Shareholders' Equity | 376.88M | 446.06M | 569.92M | 471.15M | 498.95M | 476.93M |
| Total Liabilities & Equity | 1.21B | 1.42B | 1.61B | 1.48B | 1.41B | 1.15B |
| Total Debt | 671.25M | 772.20M | 845.07M | 819.52M | 700.90M | 502.14M |
| Net Cash (Debt) | -643.72M | -725.24M | -835.26M | -814.00M | -691.10M | -495.22M |
| Net Cash Per Share | -77.53 | -87.49 | -108.74 | -127.42 | -105.24 | -72.58 |
| Filing Date Shares Outstanding | 8.34M | 8.33M | 8.28M | 6.40M | 6.37M | 6.37M |
| Total Common Shares Outstanding | 8.34M | 8.31M | 8.26M | 6.39M | 6.37M | 6.37M |
| Working Capital | 1.04B | 1.23B | 1.39B | 1.29B | 1.23B | 989.15M |
| Book Value Per Share | 45.14 | 53.65 | 68.91 | 73.60 | 78.21 | 74.77 |
| Tangible Book Value | 353.62M | 422.79M | 546.62M | 456.20M | 486.73M | 467.81M |
| Tangible Book Value Per Share | 42.41 | 50.90 | 66.15 | 71.34 | 76.37 | 73.42 |
| Land | 11.58M | 11.88M | 12.00M | 12.00M | 12.39M | 11.75M |
| Buildings | 18.69M | 21.72M | 23.57M | 23.43M | 20.89M | 13.88M |
| Machinery | 24.51M | 25.91M | 26.14M | 21.75M | 18.99M | 10.16M |
| Construction In Progress | 313.00K | 297.00K | 1.03M | 2.39M | 7.18M | 14.23M |
| Leasehold Improvements | 35.95M | 47.26M | 51.47M | 50.69M | 47.31M | 36.39M |
Cash flow statement
Fiscal year May - April; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | -202.35M | -139.11M | 17.93M | -31.39M | 20.43M | 95.01M |
| Depreciation & Amortization | 7.87M | 8.21M | 7.65M | 6.87M | 5.60M | 4.03M |
| Other Amortization | 11.11M | 9.42M | 6.20M | 5.14M | 5.46M | 775.00K |
| Loss (Gain) From Sale of Assets | 187.00K | -2.00K | 437.00K | 361.00K | 149.00K | |
| Asset Writedown & Restructuring Costs | 11.04M | 11.05M | 140.00K | 267.00K | ||
| Stock-Based Compensation | 2.38M | 3.72M | 4.71M | 4.17M | 5.31M | 5.50M |
| Provision & Write-off of Bad Debts | 387.75M | 419.23M | 374.56M | 423.41M | 352.86M | 238.05M |
| Other Operating Activities | 65.05M | 66.06M | 24.02M | 13.00M | 33.97M | 30.62M |
| Change in Accounts Receivable | 1.23M | -597.00K | -525.00K | -792.00K | -1.19M | -1.56M |
| Change in Inventory | 193.18M | 180.29M | 114.57M | 139.19M | 133.05M | 51.06M |
| Change in Accounts Payable | -18.21M | -2.83M | 17.62M | -9.34M | 8.62M | 5.17M |
| Change in Unearned Revenue | -45.40M | -16.83M | -7.54M | 311.00K | 41.69M | 52.49M |
| Change in Income Taxes | -2.80M | -4.97M | 4.41M | 6.30M | -8.98M | -424.00K |
| Change in Other Net Operating Assets | -260.09M | -468.68M | -612.51M | -631.46M | -732.92M | -600.06M |
| Operating Cash Flow | 150.95M | 64.96M | -48.76M | -73.90M | -135.73M | -119.18M |
| Capital Expenditures | -1.44M | -1.81M | -3.89M | -6.15M | -22.11M | -15.80M |
| Sale of Property, Plant & Equipment | 1.15M | 289.00K | 42.00K | 316.00K | 84.00K | 20.00K |
| Cash Acquisitions | -7.53M | -4.82M | ||||
| Investment in Securities | -5.55M | -1.57M | ||||
| Investing Cash Flow | -291.00K | -1.52M | -11.38M | -10.64M | -27.57M | -17.35M |
| Short-Term Debt Issued | 466.00K | 823.00K | ||||
| Long-Term Debt Issued | 1.15B | 1.25B | 1.16B | 924.71M | 731.11M | |
| Total Debt Issued | 771.08M | 1.15B | 1.25B | 1.17B | 924.71M | 731.11M |
| Short-Term Debt Repaid | -1.29M | -1.80M | ||||
| Long-Term Debt Repaid | -1.18B | -1.23B | -1.05B | -729.96M | -511.04M | |
| Total Debt Repaid | -912.12M | -1.19B | -1.23B | -1.05B | -729.96M | -512.84M |
| Net Debt Issued (Repaid) | -141.04M | -34.21M | 25.60M | 117.43M | 194.74M | 218.26M |
| Issuance of Common Stock | 178.00K | 218.00K | 74.11M | 282.00K | 1.50M | 293.00K |
| Repurchase of Common Stock | -251.00K | -297.00K | -434.00K | -365.00K | -5.20M | -34.70M |
| Other Financing Activities | -21.00M | -22.04M | -9.05M | -6.39M | -2.30M | -7.64M |
| Financing Cash Flow | -162.10M | -56.33M | 90.23M | 110.96M | 188.75M | 176.22M |
| Net Cash Flow | -11.45M | 7.11M | 30.09M | 26.41M | 25.45M | 39.69M |
| Free Cash Flow | 149.50M | 63.15M | -52.65M | -80.04M | -157.83M | -134.97M |
| Free Cash Flow Margin | 13.84% | 4.95% | -3.80% | -5.76% | -11.31% | -11.37% |
| Free Cash Flow Per Share | 18.01 | 7.62 | -6.86 | -12.53 | -24.04 | -19.78 |
| Levered Free Cash Flow | 290.04M | 150.93M | -65.21M | -85.22M | -224.44M | -241.95M |
| Unlevered Free Cash Flow | 326.86M | 188.06M | -27.25M | -49.52M | -205.96M | -235.90M |
| Cash Interest Paid | 79.70M | 78.57M | 70.65M | 65.65M | 36.60M | 10.42M |
| Cash Income Tax Paid | 9.31M | 9.17M | 11.13M | 6.46M | 5.48M | 19.24M |
| Change in Working Capital | -132.09M | -313.63M | -483.97M | -495.80M | -559.73M | -493.32M |
Ratios
Fiscal year May - April; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 8.84M | 101.37M | 391.78M | 365.88M | 512.09M | 520.65M |
| Enterprise Value | 652.56M | 936.16M | 1.25B | 1.17B | 1.19B | 951.84M |
| Last Close Price | 1.04 | 12.21 | 47.42 | 57.24 | 80.39 | 80.85 |
| PE Ratio | 21.90 | 25.11 | 5.48 | |||
| Forward PE | 53.41 | 16.41 | 35.44 | 19.07 | 7.58 | |
| PS Ratio | 0.01 | 0.08 | 0.28 | 0.26 | 0.37 | 0.44 |
| PB Ratio | 0.02 | 0.23 | 0.69 | 0.78 | 1.03 | 1.09 |
| P/TBV Ratio | 0.02 | 0.24 | 0.72 | 0.80 | 1.05 | 1.11 |
| P/FCF Ratio | 0.06 | 1.60 | ||||
| P/OCF Ratio | 0.06 | 1.56 | ||||
| PEG Ratio | 9.38 | 9.38 | 4.05 | 0.56 | 0.56 | |
| EV/Sales Ratio | 0.60 | 0.73 | 0.90 | 0.84 | 0.85 | 0.80 |
| EV/EBITDA Ratio | 12.30 | 35.92 | 16.99 | 6.91 | ||
| EV/EBIT Ratio | 13.31 | 45.54 | 18.47 | 7.12 | ||
| EV/FCF Ratio | 4.36 | 14.82 | ||||
| Debt / Equity Ratio | 1.78 | 1.73 | 1.48 | 1.74 | 1.41 | 1.05 |
| Debt / EBITDA Ratio | 37.72 | 6.90 | 15.81 | 7.97 | 3.45 | |
| Debt / FCF Ratio | 4.49 | 12.23 | ||||
| Net Debt / Equity Ratio | 1.71 | 1.63 | 1.47 | 1.73 | 1.39 | 1.04 |
| Net Debt / EBITDA Ratio | -9.30 | -74.06 | 8.24 | 25.03 | 9.86 | 3.60 |
| Net Debt / FCF Ratio | 4.31 | 11.48 | -15.86 | -10.17 | -4.38 | -3.67 |
| Asset Turnover | 0.77 | 0.84 | 0.90 | 0.96 | 1.09 | 1.20 |
| Inventory Turnover | 12.83 | 13.03 | 10.02 | 10.91 | 7.13 | 9.08 |
| Quick Ratio | 14.90 | 14.70 | 16.55 | 22.64 | 19.75 | 16.62 |
| Current Ratio | 17.31 | 16.90 | 20.21 | 27.27 | 23.27 | 19.77 |
| Return on Equity (ROE) | -42.95% | -27.38% | 3.45% | -6.47% | 4.19% | 21.50% |
| Return on Assets (ROA) | -3.42% | -0.74% | 3.80% | 1.11% | 3.14% | 8.45% |
| Return on Invested Capital (ROIC) | -7.03% | -1.40% | 5.48% | 2.07% | 4.72% | 12.43% |
| Return on Capital Employed (ROCE) | -6.70% | -1.30% | 6.10% | 1.80% | 4.70% | 12.10% |
| Earnings Yield | -2,300.06% | -137.23% | 4.58% | -8.58% | 3.99% | 18.25% |
| FCF Yield | 1,723.99% | 62.29% | -13.44% | -21.88% | -30.82% | -25.92% |
| Buyback Yield / Dilution | -1.87% | -7.91% | -20.24% | 2.72% | 3.76% | 1.98% |