America's Car-Mart, Inc. (CRMT) AI Stock Analysis

America's Car-Mart, Inc., founded in 1981 and headquartered in Rogers, Arkansas, operates as an automotive retailer across the United States through its subsidiaries. The company specializes in the sale of older model used vehicles and provides comprehensive financing options tailored to meet customer needs. Operating in the pre-owned vehicle market, its business model emphasizes accessible financing that allows customers to purchase vehicles fitting their budget and lifestyle. The company combines its retail vehicle operations with customer-centric financing and service practices across its dealership network.

Between FY2022 and FY2026, America's Car-Mart posted a 5-year revenue CAGR of 6.9%, with revenue moving from $1.21B in FY2022 to $1.28B in FY2026. In FY2026, revenue declined 7.9% while net income reached -$139.2M, yielding a net margin of -10.9% and an operating margin of -8.4%. Gross margin remained resilient at 48.2% in FY2026 compared to 45.3% in FY2022. For the trailing twelve months, revenue was $1.08B with an operating margin of -34.3% and diluted EPS of -$31.32. In the latest quarter ending July 31, 2026, quarterly revenue decreased 57.6% year-over-year, though quarterly earnings grew 1834.6%.

As of July 31, 2026, America's Car-Mart held $27.5M in cash and short-term investments against total debt of $671.2M, resulting in net debt of $643.7M. The company reported shareholders' equity of $376.5M, total assets of $1.21B, a debt-to-equity ratio of 1.78, and a current ratio of 0.48. During FY2026, operating cash flow turned positive at $65.0M, supporting free cash flow of $63.1M. Capital allocation in FY2026 included $1.8M in capital expenditures, $297,000 for share buybacks, and $40,000 in dividends paid.

At its last close of $1.04 on October 16, 2026, America's Car-Mart held a market cap of $8.7M and an enterprise value of $658.1M. Its forward P/E of 28.3x trades above the 14.1x median of its US-listed Consumer Cyclical peers, and its EV/EBITDA of 41.0x exceeds the peer median of 11.1x. Conversely, its price-to-sales of 0.0x is below the peer median of 0.7x. Over the trailing 1-year period, the stock fell 95.9%, trailing the S&P 500 (SPY) return of 16.8%, while its 5-year return of -99.1% lagged the index's 83.0% gain.

Wall Street coverage consists of 1 Strong Buy and 1 Hold rating. The mean price target of $7.50 implies a 621.2% premium over the last close of $1.04. For the fiscal year ending April 30, 2027, consensus estimates project an EPS of -$3.94 on revenue of $851.0M. For the following fiscal year, one analyst estimates revenue of $862.0M and EPS of -$2.26. The company beat EPS estimates in 1 of the last 4 quarters. The next earnings date is December 3, 2026.

This page is an AI-written research summary of America's Car-Mart, Inc. (CRMT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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