America's Car-Mart, Inc. (CRMT) Balance Sheet
CRMT balance sheet, FY2026
April 30, 2026 · U.S. dollars$1.42B assets = $971.2M liabilities + $445.7M equity
Both columns are drawn to the same scale: what CRMT owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CRMT financial health
Descriptive bands, not a rating. Fiscal FY2026.
CRMT balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $424.3MFY2017 | $1.42BFY2026 | +14.3%/yr | |
| Total liabilities | $191.2MFY2017 | $971.2MFY2026 | +19.8%/yr | |
| Shareholders’ equity | $233.0MFY2017 | $445.6MFY2026 | +7.5%/yr | |
| Cash & short-term investments | $434,000FY2017 | $47.0MFY2026 | +68.3%/yr | |
| Total debt | $118.7MFY2017 | $772.2MFY2026 | +23.1%/yr | |
| Net cash (debt) | −$118.3MFY2017 | −$725.2MFY2026 | −$607.0M | |
| Working capital | $376.1MFY2017 | $1.14BFY2026 | +$767.4M | |
| Book value per share | $28.73FY2017 | $53.75FY2026 | +7.2%/yr | |
| Current ratio | 22.23FY2017 | 7.96FY2026 | −14.28 | |
| Debt / equity | 0.51FY2017 | 1.73FY2026 | +1.22 | |
| Shares outstanding | 8.1MFY2017 | 8.3MFY2026 | +0.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CRMT assets
CRMT liabilities and equity
CRMT debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CRMT balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $47.0M | $9.8M | $5.5M | $9.8M | $6.9M | $2.9M | $59.6M | $1.8M | $1.0M | $434,000 |
| Cash & equivalents | $47.0M | $9.8M | $5.5M | $9.8M | $6.9M | $2.9M | $59.6M | $1.8M | $1.0M | $434,000 |
| Short-term investments | — | — | — | — | — | — | — | — | $0 | $0 |
| Receivables | $1.09B | $1.19B | $1.11B | $1.07B | $859.5M | $628.5M | $469.2M | $419.8M | $387.3M | $359.3M |
| Inventory | $54.1M | $112.2M | $107.5M | $109.3M | $115.3M | $82.3M | $36.4M | $37.5M | $33.6M | $30.1M |
| Other current assets | $119.6M | $114.7M | $88.9M | $58.2M | $44.7M | $6.1M | $4.4M | $4.6M | $4.7M | $3.9M |
| Total current assets | $1.31B | $1.42B | $1.31B | $1.25B | $1.03B | $719.8M | $569.7M | $463.6M | $426.6M | $393.8M |
| Property, plant & equipment (net) | $86.3M | $120.7M | $121.5M | $120.8M | $110.3M | $95.1M | $90.9M | $28.5M | $28.6M | $30.1M |
| Goodwill & intangible assets | $22.8M | $22.8M | $14.4M | $11.7M | $8.6M | $7.3M | $6.8M | $355,000 | $710,000 | $710,000 |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other non-current assets | $0 | $38.1M | $31.3M | $36.8M | $0 | $0 | $0 | $0 | $0 | $0 |
| Total assets | $1.42B | $1.61B | $1.48B | $1.42B | $1.15B | $822.2M | $667.3M | $492.5M | $455.6M | $424.3M |
| Liabilities | ||||||||||
| Accounts payable | $32.1M | $35.0M | $21.4M | $27.2M | $20.1M | $18.2M | $13.1M | $13.7M | $13.6M | $11.2M |
| Short-term debt | — | $206.1M | $201.6M | $638.6M | $43.9M | $1.8M | $24.5M | $1.3M | $889,000 | $774,000 |
| Deferred revenue | $96.4M | $113.2M | $120.8M | $53.1M | $43.9M | $56.8M | $24.5M | $21.4M | $19.8M | $18.5M |
| Total current liabilities | $164.4M | $372.1M | $353.8M | $638.6M | $27.7M | $82.1M | $22.6M | $20.2M | $18.0M | $17.7M |
| Long-term debt | $722.4M | $572.0M | $553.6M | $471.4M | $396.0M | $225.9M | $215.6M | $152.9M | $152.4M | $117.9M |
| Lease obligations | $49.8M | $67.0M | $64.2M | $62.3M | $61.5M | $62.9M | $63.3M | $839,000 | $1.1M | — |
| Other long-term liabilities | $84.0M | $92.5M | $99.1M | $13.0M | $251.9M | $107.2M | $126.0M | $58.5M | $54.2M | $55.2M |
| Total liabilities | $971.2M | $1.04B | $1.01B | $1.12B | $675.9M | $415.3M | $364.6M | $231.6M | $225.0M | $191.2M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $157,000 | $156,000 | $137,000 | $137,000 | $136,000 | $136,000 | $135,000 | $134,000 | $72.8M | $69.4M |
| Retained earnings (deficit) | $533.1M | $672.3M | $654.4M | $685.8M | $658.2M | $565.0M | $460.9M | $409.6M | $362.0M | $325.5M |
| Treasury stock | — | — | — | — | −$292.2M | −$257.5M | −$246.9M | −$230.9M | −$204.3M | −$162.0M |
| Accumulated other comprehensive income | $0 | — | $400,000 | $297.4M | −$292.2M | −$257.5M | −$246.9M | −$230.9M | −$204.3M | −$162.0M |
| Minority interest | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 |
| Total shareholders' equity | $445.6M | $569.8M | $471.1M | $297.4M | $469.4M | $406.8M | $302.8M | $260.8M | $230.5M | $233.0M |
| Key figures | ||||||||||
| Total debt | $772.2M | $845.1M | $819.5M | $1.11B | $502.1M | $290.6M | $278.4M | $154.2M | $153.3M | $118.7M |
| Net cash (debt) | −$725.2M | −$835.3M | −$814.0M | −$1.10B | −$495.2M | −$287.7M | −$218.8M | −$152.4M | −$152.2M | −$118.3M |
| Working capital | $1.14B | $1.05B | $956.6M | $612.5M | $998.8M | $637.6M | $547.1M | $443.5M | $408.6M | $376.1M |
| Tangible book value | $422.8M | $547.0M | $456.6M | $285.7M | $460.7M | $399.5M | $295.9M | $260.5M | $229.8M | $232.3M |
| Book value per share | $53.75 | $74.18 | $73.73 | $45.29 | $68.79 | $58.43 | $43.59 | $36.88 | $30.98 | $28.73 |
| Shares outstanding | 8.3M | 7.7M | 6.4M | 6.6M | 6.8M | 7.0M | 6.9M | 7.1M | 7.4M | 8.1M |
| Current ratio | 7.96 | 3.83 | 3.70 | 1.96 | 37.09 | 8.76 | 25.22 | 22.99 | 23.65 | 22.23 |
| Quick ratio | 6.90 | 3.22 | 3.15 | 1.70 | 31.31 | 7.69 | 23.41 | 20.90 | 21.52 | 20.31 |
| Debt / equity | 1.73 | 1.48 | 1.74 | 3.73 | 1.07 | 0.71 | 0.92 | 0.59 | 0.66 | 0.51 |
| Equity / assets | 31.4% | 35.5% | 31.9% | 20.9% | 41.0% | 49.5% | 45.4% | 53.0% | 50.6% | 54.9% |
| Jul '26 | Apr '26 | Jan '26 | Oct '25 | Jul '25 | Apr '25 | Jan '25 | Oct '24 | Jul '24 | Apr '24 | Jan '24 | Oct '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $27.5M | $47.0M | $117.9M | $122.4M | $9.7M | $9.8M | $8.5M | $8.0M | $4.7M | $5.5M | $4.2M | $94.5M |
| Cash & equivalents | $27.5M | $47.0M | $117.9M | $122.4M | $9.7M | $9.8M | $8.5M | $8.0M | $4.7M | $5.5M | $4.2M | $94.5M |
| Receivables | $920.3M | $1.09B | $1.13B | $1.19B | $1.19B | $1.18B | $1.15B | $1.14B | $1.13B | $1.11B | $1.09B | $1.12B |
| Inventory | $35.2M | $54.1M | $101.2M | $104.8M | $112.5M | $112.2M | $143.9M | $122.1M | $114.5M | $107.5M | $109.3M | $113.8M |
| Other current assets | $0 | $84.7M | $0 | $128.6M | $111.8M | $0 | $117.8M | $121.7M | $93.9M | $88.9M | $90.3M | $30.5M |
| Total current assets | $62.7M | $1.28B | $219.1M | $1.54B | $1.43B | $122.0M | $1.42B | $1.39B | $1.35B | $1.31B | $1.30B | $1.35B |
| Property, plant & equipment (net) | $82.4M | $86.3M | $103.9M | $114.0M | $118.8M | $120.7M | $122.5M | $125.1M | $127.4M | $121.5M | $123.8M | $120.7M |
| Goodwill & intangible assets | $22.8M | $22.8M | $22.8M | $23.7M | $23.7M | $22.8M | $22.8M | $22.9M | $22.9M | $14.4M | $14.5M | $11.6M |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other non-current assets | $1.04B | $31.3M | $1.28B | $37.2M | $39.2M | $1.34B | $38.2M | $35.3M | $33.1M | $31.3M | $30.8M | $0 |
| Total assets | $1.21B | $1.42B | $1.63B | $1.72B | $1.61B | $1.61B | $1.61B | $1.58B | $1.53B | $1.48B | $1.47B | $1.49B |
| Liabilities | ||||||||||||
| Accounts payable | $22.2M | $32.1M | $19.0M | $45.5M | $34.0M | $35.0M | $32.7M | $34.2M | $35.6M | $21.4M | $25.9M | $22.4M |
| Short-term debt | $6.6M | $261.9M | $2.5M | $261.9M | $171.8M | — | $74.0M | $110.3M | $184.8M | $201.6M | $55.4M | $4.4M |
| Deferred revenue | $24,740 | $101.7M | $25,530 | $109.6M | $112.2M | $23,250 | $107.5M | $106.6M | $121.7M | $120.8M | $118.4M | $125.8M |
| Total current liabilities | $130.4M | $145.3M | $160.3M | $435.0M | $336.1M | $23,250 | $226.0M | $270.3M | $360.3M | $353.8M | $210.1M | $180.2M |
| Long-term debt | $623.9M | $722.4M | $628.3M | $635.0M | $610.8M | $572.0M | $722.2M | $656.4M | $597.5M | $553.6M | $684.7M | $579.0M |
| Lease obligations | $47.4M | $49.8M | $60.0M | $65.8M | $66.9M | $67.0M | $67.7M | $69.1M | $70.7M | $64.2M | $65.9M | $64.1M |
| Other long-term liabilities | $75.0M | $101.7M | $358.3M | $92.4M | $95.8M | $464.9M | $100.5M | $94.4M | $102.0M | $99.1M | $102.7M | $250.3M |
| Total liabilities | $829.7M | $969.4M | $1.15B | $1.16B | $1.04B | $1.04B | $1.05B | $1.02B | $1.06B | $1.01B | $997.5M | $1.01B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $157,000 | $157,000 | $157,000 | $156,000 | $156,000 | — | $156,000 | $156,000 | $137,000 | $137,000 | $137,000 | $137,000 |
| Retained earnings (deficit) | $464.1M | $533.1M | $567.3M | $644.0M | $666.5M | $672.3M | $661.6M | $658.5M | $653.4M | $654.4M | $654.0M | $662.5M |
| Accumulated other comprehensive income | — | — | — | — | — | — | — | — | −$653.6M | −$654.6M | −$654.5M | $297.5M |
| Minority interest | $100,000 | $100,000 | $100,000 | $100,000 | $100,000 | — | — | — | — | — | — | — |
| Total shareholders' equity | $376.5M | $445.7M | $479.4M | $555.4M | $565.2M | $569.5M | $558.2M | $554.0M | $471.5M | $471.1M | $469.3M | $476.9M |
| Key figures | ||||||||||||
| Total debt | $671.2M | $772.2M | $952.2M | $962.8M | $849.5M | $572.0M | $863.9M | $835.7M | $853.0M | $819.5M | $805.9M | $808.7M |
| Net cash (debt) | −$643.7M | −$725.2M | −$834.3M | −$840.4M | −$839.9M | −$562.2M | −$855.4M | −$827.7M | −$848.3M | −$814.0M | −$801.7M | −$714.2M |
| Working capital | −$67.7M | $1.13B | $58.8M | $1.11B | $1.09B | $122.0M | $1.20B | $1.12B | $987.6M | $956.6M | $1.09B | $1.17B |
| Tangible book value | $353.7M | $422.9M | $456.6M | $531.7M | $541.5M | $546.7M | $535.4M | $531.1M | $448.6M | $456.6M | $454.8M | $465.3M |
| Book value per share | $45.20 | $53.67 | $57.78 | $67.09 | $68.31 | $67.57 | $66.35 | $66.80 | $73.70 | $72.09 | $73.41 | $74.68 |
| Shares outstanding | 8.3M | 8.3M | 8.3M | 8.3M | 8.3M | 8.4M | 8.4M | 8.3M | 6.4M | 6.5M | 6.4M | 6.4M |
| Current ratio | 0.48 | 8.78 | 1.37 | 3.55 | 4.24 | 5,248.90 | 6.30 | 5.15 | 3.74 | 3.70 | 6.18 | 7.52 |
| Quick ratio | 7.27 | 7.83 | 7.76 | 3.01 | 3.58 | 51,174.97 | 5.14 | 4.25 | 3.16 | 3.15 | 5.23 | 6.71 |
| Debt / equity | 1.78 | 1.73 | 1.99 | 1.73 | 1.50 | 1.00 | 1.55 | 1.51 | 1.81 | 1.74 | 1.72 | 1.70 |
| Equity / assets | 31.2% | 31.5% | 29.5% | 32.3% | 35.2% | 35.5% | 34.7% | 35.2% | 30.8% | 31.9% | 32.0% | 32.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed July 14, 2026); data from EODHD.
CRMT financial position
At the end of fiscal 2026 (April 30, 2026), America's Car-Mart had total assets of $1.4 billion (down 11.8% from a year earlier), total liabilities of $971.2 million and shareholders' equity of $445.6 million. It held $47.0 million in cash and short-term investments against $772.2 million of debt, net debt of $725.2 million. Its current ratio was 7.96. In the latest quarter (ended July 31, 2026) total assets were $1.2 billion and equity $376.5 million.
Related: CRMT income statement, CRMT cash flow statement, CRMT key metrics. See the CRMT stock overview for the latest quote and news.
CRMT balance sheet FAQ
What are America's Car-Mart's total assets?
America's Car-Mart reported total assets of $1.4 billion at the end of fiscal 2026 (April 30, 2026), compared with $1.6 billion a year earlier.
How much debt does America's Car-Mart have?
America's Car-Mart had $772.2 million of total debt at the end of fiscal 2026, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 1.73.
How much cash does America's Car-Mart have?
America's Car-Mart held $47.0 million in cash and short-term investments at the end of fiscal 2026; with $772.2 million of debt that is net debt of $725.2 million.
What is America's Car-Mart's book value?
America's Car-Mart's shareholders' equity (book value) was $445.6 million at the end of fiscal 2026, or $53.75 per share.
What is America's Car-Mart's current ratio?
America's Car-Mart had current assets of $1.3 billion and current liabilities of $164.4 million, a current ratio of 7.96 (it can cover its short-term obligations).
How much goodwill does America's Car-Mart have?
America's Car-Mart carried $22.8 million of goodwill and intangible assets, 1.6% of total assets, at the end of fiscal 2026.