AMERICAS CARMART INC CRMT

Consumer discretionary SIC 5500 - Retail-Auto Dealers & Gasoline Stations NAICS Retail Trade › Motor Vehicle and Parts Dealers derived Nasdaq

America's Car-Mart, Inc., a Texas corporation (the "Company"), is one of the largest publicly held automotive retailers in the United States focused exclusively on the "Integrated Auto Sales and Finance" segment of the used car market. References to the Company include the Company's consolidated subsidiaries. The Company's operations are principally conducted through its two operating subsidiaries, America's Car Mart, Inc., an Arkansas corporation ("Car-Mart of Arkansas"), and Colonial Auto Finance, Inc., an Arkansas corporation ("Colonial"). Collectively, Car-Mart of Arkansas and Colonial are referred to herein as "Car-Mart." The Company primarily sells older model used vehicles and provides financing for substantially all of its customers. Many of the Company's customers have limited financial resources and would not qualify for conventional financing as a result of limited credit histories or past credit problems. As of April 30, 2026, the Company operated 94 dealerships located primarily in small cities throughout the South-Central United States.

Last close 0.80 2026-10-23
Market cap $6.6M 2026-04-30 share count
52-week range 0.57 - 28.70

Valuation FY2025 figures against the last close

P/S0.0x
P/E—
P/FCF0.1x
EV/EBITDA—
Dividend yield—
Diluted EPS-16.79

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.03B$1.15B$1.16B$1.20B$1.04B$799.1M$653.0M$586.5M$537.5M$520.1M
Cost of revenue $664.0M$726.1M$758.5M$800.8M$658.6M$479.2M$388.5M$343.9M$315.3M$304.9M
Gross profit $363.8M$420.2M$402.3M$403.4M$380.1M$320.0M$264.5M$242.6M$222.3M$215.2M
SG&A $208.1M$188.9M$179.4M$176.7M$156.1M$130.9M$117.8M$107.2M$99.0M$91.9M
Total operating expenses $1.39B$1.37B$1.43B$1.37B$1.07B$774.3M$680.3M$609.3M$573.3M$555.5M
Interest expense ——$65.3M$38.3M$10.9M$6.8M$8.1M$7.9M$5.6M$4.1M
Pre-tax income -$108.0M$22.8M-$40.1M$25.8M$122.6M$135.3M$64.4M$59.9M$38.9M$32.2M
Income tax $31.1M$4.9M$8.7M$5.4M$27.6M$30.5M$13.0M$12.2M$2.4M$12.0M
Net income -$139.2M$17.9M-$31.4M$20.4M$95.0M$104.8M$51.3M$47.6M$36.5M$20.2M
EPS, basic -16.792.38-4.923.2014.5915.817.746.995.042.57
EPS, diluted -16.792.33-4.923.1113.9215.057.396.734.902.49
Shares, diluted (wtd. avg.) 8.3M7.7M6.4M6.6M6.8M7.0M6.9M7.1M7.4M8.1M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $47.0M$9.8M$5.5M$9.8M$6.9M$2.9M$59.6M$1.8M$1.0M$434.0K
Inventory $54.1M$112.2M$107.5M$109.3M$115.3M$82.3M$36.4M$37.5M$33.6M$30.1M
Property, plant and equipment $42.9M$56.9M$60.4M$61.7M$45.4M$34.7M$30.1M$28.5M$28.6M$30.1M
Goodwill $22.8M$22.8M$14.4M$11.7M$8.6M$7.3M$6.8M$355.0K$355.0K$355.0K
Total assets $1.42B$1.61B$1.48B$1.41B$1.15B$822.2M$667.3M$492.5M$455.6M$424.3M
Long-term debt ———————$194.0K——
Total liabilities $970.8M$1.04B$1.01B$915.8M$677.8M$415.3M$364.2M$231.6M$224.6M$190.8M
Retained earnings $533.1M$672.3M$654.4M$685.8M$665.4M$565.0M$460.9M$409.6M$362.0M$325.5M
Total equity $445.6M$569.4M$470.8M$498.5M$476.5M$412.0M$307.5M$260.5M$230.5M$233.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $65.0M-$48.8M-$73.9M-$135.7M-$119.2M-$53.8M$20.9M$24.9M$10.0M$7.3M
Depreciation and amortisation $8.2M$7.6M$6.9M$5.6M$4.0M$3.7M$3.8M$4.0M$4.2M$4.3M
Stock-based compensation $3.7M$4.7M$4.2M$5.3M$5.5M$6.0M$4.7M$3.7M$1.6M$1.3M
Capital expenditure $1.8M$3.9M$6.1M$22.1M$15.8M$9.0M$5.4M$4.0M$2.3M$1.6M
Investing cash flow -$1.5M-$11.4M-$10.6M-$27.6M-$17.4M-$8.3M-$9.9M-$3.9M-$1.7M-$655.0K
Financing cash flow -$56.3M$90.2M$111.0M$188.7M$176.2M$5.4M$46.8M-$20.3M-$7.7M-$6.8M
Dividends paid —$40.0K$40.0K$40.0K$40.0K$40.0K$40.0K$40.0K$40.0K$40.0K
Buybacks $297.0K$434.0K$365.0K$5.2M$34.7M$10.6M$16.0M$26.6M$42.3M$20.5M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001628280-26-057070.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -500M 0 500M 1B 1.5B Revenue, FY2016: 520.1M Gross profit, FY2016: 215.2M Net income, FY2016: 20.2M Revenue, FY2017: 537.5M Gross profit, FY2017: 222.3M Net income, FY2017: 36.5M Revenue, FY2018: 586.5M Gross profit, FY2018: 242.6M Net income, FY2018: 47.6M Revenue, FY2019: 653M Gross profit, FY2019: 264.5M Net income, FY2019: 51.3M Revenue, FY2020: 799.1M Gross profit, FY2020: 320M Net income, FY2020: 104.8M Revenue, FY2021: 1B Gross profit, FY2021: 380.1M Net income, FY2021: 95M Revenue, FY2022: 1.2B Gross profit, FY2022: 403.4M Net income, FY2022: 20.4M Revenue, FY2023: 1.2B Gross profit, FY2023: 402.3M Net income, FY2023: -31.4M Revenue, FY2024: 1.1B Gross profit, FY2024: 420.2M Net income, FY2024: 17.9M Revenue, FY2025: 1B Gross profit, FY2025: 363.8M Net income, FY2025: -139.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $520.1M $537.5M $586.5M $653.0M $799.1M $1.04B $1.20B $1.16B $1.15B $1.03B
Gross profit $215.2M $222.3M $242.6M $264.5M $320.0M $380.1M $403.4M $402.3M $420.2M $363.8M
Net income $20.2M $36.5M $47.6M $51.3M $104.8M $95.0M $20.4M -$31.4M $17.9M -$139.2M

Recent filings and events

  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Material agreement signed Item 1.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Other event Item 8.01
  • Material agreement signed Item 1.01
  • Material agreement signed Item 1.01
  • Officer or director change Item 5.02
  • Other event Item 8.01
  • Material agreement signed Item 1.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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