Market Summary
USD90.00+2.22
Market Closed2.53%
CRMT Stock Price
CRMT RSI Chart
CRMT Valuation
CRMT Price/Sales (Trailing)
CRMT Profitability
CRMT Fundamentals
CRMT Revenue
CRMT Earnings
Price Action
52 Week Range
52.24127.96
(Low)(High)
Last 7 days
-5.2%
Last 30 days
-14.8%
Last 90 days
-7.2%
Trailing 12 Months
29.5%
CRMT Financial Health
CRMT Investor Care
Historical Charts for Stock Metrics
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Net sales
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Latest Insider Trading transactions for CRMT
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-08-02 | Peterson Adam K | sold | -1,829,000 | 118 | -15,500 | - |
2023-08-01 | Peterson Adam K | sold | -1,208,640 | 120 | -10,031 | - |
2023-07-19 | Peterson Adam K | sold | -11,969 | 119 | -100 | - |
2023-07-19 | Peterson Adam K | sold | -2,368,280 | 119 | -19,823 | - |
2023-07-19 | Peterson Adam K | sold | -502,984 | 119 | -4,216 | - |
2023-07-18 | Peterson Adam K | sold | -985,339 | 120 | -8,201 | - |
2023-07-18 | Peterson Adam K | sold | -1,269,030 | 120 | -10,529 | - |
2023-07-18 | Peterson Adam K | sold | -1,112,440 | 118 | -9,375 | - |
2023-07-18 | Peterson Adam K | sold | -942,364 | 119 | -7,893 | - |
2023-07-18 | Peterson Adam K | sold | -621,420 | 118 | -5,234 | - |
Which funds bought or sold CRMT recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-08-21 | OSAIC HOLDINGS, INC. | reduced | -16.67 | 2,364 | 49,889 | -% |
2023-08-21 | CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | reduced | -3.07 | 131,387 | 725,700 | -% |
2023-08-21 | BOKF, NA | added | 1.26 | 530,732 | 2,456,940 | 0.05% |
2023-08-21 | TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY | added | 5.45 | 50,000 | 201,000 | -% |
2023-08-16 | Nuveen Asset Management, LLC | added | 2.8 | 543,737 | 2,386,740 | -% |
2023-08-15 | WELLS FARGO & COMPANY/MN | added | 72.91 | 137,464 | 254,140 | -% |
2023-08-15 | ALLIANCEBERNSTEIN L.P. | unchanged | - | 94,622 | 458,988 | -% |
2023-08-15 | GOLDMAN SACHS GROUP INC | added | 41.84 | 1,171,730 | 2,661,030 | -% |
2023-08-15 | Integrated Wealth Concepts LLC | new | - | 340,549 | 340,549 | 0.01% |
2023-08-15 | PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | reduced | -2.89 | 3,000 | 17,000 | -% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
Schedule 13G FIlings of America Car-Mart
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
|---|---|---|---|---|---|
| Apr 10, 2023 | fmr llc | - | 0 | SC 13G/A | |
| Feb 09, 2023 | fmr llc | - | 0 | SC 13G/A | |
| Feb 09, 2023 | vanguard group inc | 6.29% | 400,865 | SC 13G/A | |
| Jan 26, 2023 | blackrock inc. | 15.7% | 998,048 | SC 13G/A | |
| Jan 20, 2023 | blackrock inc. | 15.7% | 998,048 | SC 13G/A | |
| Jan 10, 2023 | magnolia group, llc | 11.39% | 725,500 | SC 13G | |
| Feb 09, 2022 | vanguard group inc | 6.51% | 423,945 | SC 13G/A | |
| Feb 09, 2022 | fmr llc | - | 0 | SC 13G | |
| Feb 08, 2022 | dimensional fund advisors lp | 4.8% | 313,810 | SC 13G/A | |
| Feb 07, 2022 | blackrock inc. | 15.4% | 1,004,314 | SC 13G/A |
Recent SEC filings of America Car-Mart
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Sep 08, 2023 | 10-Q | Quarterly Report | |
| Sep 05, 2023 | 8-K | Current Report | |
| Sep 01, 2023 | 8-K | Current Report | |
| Aug 14, 2023 | EFFECT | EFFECT | |
| Aug 10, 2023 | CORRESP | CORRESP | |
| Aug 03, 2023 | 4 | Insider Trading | |
| Jul 24, 2023 | ARS/A | ARS/A | |
| Jul 24, 2023 | DEFR14A | DEFR14A | |
| Jul 21, 2023 | 4/A | Insider Trading | |
| Jul 20, 2023 | 4 | Insider Trading |
Peers (Alternatives to America Car-Mart)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
HD | 307.1B | 154.9B | -5.46% | 14.46% | 18.92 | 1.98 | -0.23% | -3.86% |
ORLY | 56.0B | 15.2B | -0.81% | 33.22% | 24.78 | 3.68 | 10.79% | 5.71% |
AZO | 46.5B | 17.1B | 3.29% | 20.28% | 18.81 | 2.72 | 8.20% | 2.84% |
KMX | 12.5B | 28.1B | -0.30% | -2.66% | 27.09 | 0.44 | -16.27% | -52.34% |
| MID-CAP | ||||||||
PAG | 10.8B | 28.7B | -3.75% | 55.44% | 8.73 | 0.38 | 7.74% | -12.15% |
LAD | 8.3B | 29.3B | 0.88% | 33.42% | 7.52 | 0.28 | 10.99% | -13.31% |
MUSA | 7.4B | 22.2B | 9.60% | 24.10% | 12.78 | 0.33 | 4.57% | 5.07% |
AN | 6.7B | 26.7B | -3.58% | 41.84% | 5.59 | 0.25 | 0.26% | -19.30% |
ABG | 4.7B | 14.9B | 2.82% | 49.88% | 5.03 | 0.32 | 8.81% | 19.77% |
AAP | 3.5B | 11.2B | -13.51% | -63.99% | 10.02 | 0.31 | 1.42% | -28.99% |
| SMALL-CAP | ||||||||
TA | 1.3B | 10.8B | -0.81% | 138.96% | 9.18 | 0.12 | 33.09% | 75.40% |
CWH | 903.1M | 6.5B | -21.41% | -26.06% | 6.59 | 0.13 | -8.44% | -86.10% |
CRMT | 559.5M | 1.4B | -14.83% | 29.49% | 27.38 | 0.4 | 17.56% | -78.50% |
LAZY | 97.8M | 1.2B | -36.21% | -47.73% | 10.25 | 0.08 | -15.08% | -91.16% |
America Car-Mart News
Returns for CRMT
Cumulative Returns on CRMT
6.9%
10-Year Cumulative Returns
13.2%
7-Year Cumulative Returns
2.5%
5-Year Cumulative Returns
1.2%
3-Year Cumulative Returns
Risks for CRMT
What is the probability of a big loss on CRMT?
62.3%
Probability that America Car-Mart stock will be more than 20% underwater in next one year
56.5%
Probability that America Car-Mart stock will be more than 30% underwater in next one year.
48.9%
Probability that America Car-Mart stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does CRMT drawdown profile look like?
Y-axis is the maximum loss one would have experienced if America Car-Mart was unfortunately bought at previous high price.
Drawdowns
Financials for America Car-Mart
Income Statement (Last 12 Months)(In Thousands)
| Income Statement (Last 12 Months) | (In Thousands) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Revenue | 2.6% | 1,405,498 | 1,369,483 | 1,330,245 | 1,262,944 | 1,195,551 | 1,122,303 | 1,063,271 | 1,002,092 | 909,674 | 835,220 | 793,694 | 760,644 | 744,611 | 725,804 | 700,124 | 676,985 | 669,122 | 661,691 | 647,851 | 629,798 | 612,201 |
| Cost Of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 343,898 | 340,767 | 333,978 | 324,235 | 315,273 |
| Costs and Expenses | 5.1% | 1,379,704 | 1,312,569 | 1,249,807 | 1,156,359 | 1,072,916 | 978,763 | 919,265 | 860,541 | 774,342 | 745,294 | 713,850 | 690,593 | 680,260 | 654,013 | 629,724 | 610,428 | 609,271 | 606,507 | 601,120 | 588,648 | 573,295 |
| S&GA Expenses | 2.8% | 176,696 | 171,872 | 166,314 | 160,564 | 156,130 | 151,279 | 145,523 | 140,898 | 130,855 | 125,180 | 122,088 | 117,848 | 117,762 | 115,479 | 111,636 | 109,538 | 107,249 | 104,554 | 104,011 | 101,540 | 99,023 |
| Interest Expenses | 32.4% | 38,312 | 28,940 | 22,119 | 16,282 | 10,919 | 9,177 | 7,938 | 7,083 | 6,820 | 7,025 | 7,344 | 7,767 | 8,052 | 8,097 | 8,183 | 8,083 | 7,883 | 7,516 | 6,888 | 6,231 | 5,599 |
| Net Income | -54.3% | 20,432 | 44,740 | 62,372 | 82,658 | 95,014 | 112,797 | 113,539 | 111,310 | 104,820 | 69,891 | 62,695 | 55,386 | 51,333 | 56,639 | 54,838 | 52,222 | 47,585 | 43,189 | 45,673 | 40,361 | 36,469 |
| Net Income Margin | -100.0% | - | 0.03* | 0.05* | 0.06* | 0.08* | 0.10* | 0.10* | 0.11* | 0.11* | 0.08* | 0.08* | 0.07* | 0.07* | 0.08* | 0.08* | - | - | - | - | - | - |
| Free Cashflow | 100.0% | - | -164,067 | -167,540 | -169,443 | -135,205 | -132,846 | -104,783 | -85,599 | -62,764 | -27,717 | -9,241 | 8,348 | 15,495 | 15,813 | 14,915 | - | - | - | - | - | - |
Balance Sheet(In Millions)
| Balance Sheet | (In Millions) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2022Q4 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 |
| Assets | 2.6% | 1,420 | 1,385 | 1,306 | 1,248 | 1,155 | 1,045 | 1,155 | 977 | 901 | 822 | 742 | 716 | 699 | 667 | 598 | 575 | 549 | 493 | 494 | 487 | 473 |
| Cash Equivalents | 126.7% | 10.00 | 4.00 | 5.00 | 4.00 | 7.00 | 3.00 | 7.00 | 2.00 | 3.00 | 3.00 | 4.00 | 20.00 | 51.00 | 60.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 1.00 | 1.00 |
| Inventory | -17.0% | 109 | 132 | 130 | 145 | 115 | 120 | 115 | 109 | 97.00 | 82.00 | 69.00 | 67.00 | 56.00 | 36.00 | 54.00 | 48.00 | 45.00 | 37.00 | 39.00 | 39.00 | 38.00 |
| Net PPE | -10.8% | 62.00 | 69.00 | 65.00 | 59.00 | 45.00 | 46.00 | 51.00 | 40.00 | 35.00 | 35.00 | 34.00 | 33.00 | 32.00 | 30.00 | 29.00 | 28.00 | 29.00 | 29.00 | 29.00 | 28.00 | 28.00 |
| Goodwill | 0.3% | 12.00 | 12.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 8.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Liabilities | 3.6% | 921 | 889 | 813 | 767 | 678 | 594 | 678 | 539 | 478 | 415 | 378 | 372 | 373 | 364 | 306 | 297 | 275 | 232 | 247 | 243 | 234 |
| Shareholder's Equity | 0.7% | 498 | 495 | 492 | 488 | 476 | 458 | 476 | 445 | 428 | 412 | 363 | 344 | 326 | 308 | 292 | 278 | 273 | 261 | 246 | 244 | 238 |
| Retained Earnings | 0.3% | 686 | 684 | 682 | 671 | 665 | 632 | 665 | 613 | 590 | 565 | 521 | 502 | 480 | 461 | 452 | 439 | 425 | 410 | 395 | 384 | 373 |
| Additional Paid-In Capital | 1.1% | 110 | 109 | 107 | 106 | 103 | 103 | 103 | 102 | 101 | 99.00 | 98.00 | 95.00 | 92.00 | 89.00 | 87.00 | 85.00 | 83.00 | 82.00 | 79.00 | 78.00 | 76.00 |
| Shares Outstanding | 0.1% | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 |
| Minority Interest | 0% | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cashflow (Last 12 Months)(In Thousands)
| Cashflow (Last 12 Months) | (In Thousands) | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 | 2018Q4 | 2018Q3 | 2018Q2 |
| Cashflow From Operations | 2.9% | -135,728 | -139,846 | -141,905 | -146,857 | -119,178 | -117,024 | -94,030 | -77,809 | -53,812 | -5,113 | -437 | 15,611 | 20,917 | 11,468 | 19,068 | 22,396 | 24,902 | 15,130 | 8,603 | 7,618 | 9,994 |
| Share Based Compensation | 7.5% | 5,314 | 4,944 | 4,345 | 4,502 | 5,496 | 5,699 | 6,196 | 6,614 | 5,962 | 6,551 | 6,235 | 5,432 | 4,732 | 4,583 | 4,227 | 4,229 | 3,703 | 2,615 | 2,303 | 2,071 | 1,603 |
| Cashflow From Investing | -1.4% | -27,571 | -27,185 | -26,948 | -23,909 | -17,350 | -17,056 | -10,927 | -7,096 | -8,258 | -13,052 | -12,634 | -11,727 | -9,886 | -4,080 | -4,002 | -4,212 | -3,887 | -3,448 | -2,306 | -1,776 | -1,704 |
| Cashflow From Financing | -17.9% | 188,746 | 229,898 | 203,823 | 209,930 | 176,222 | 132,522 | 87,548 | 37,006 | 5,403 | 20,243 | 30,130 | 45,094 | 46,777 | -2,089 | -13,271 | -17,385 | -20,285 | -15,432 | -5,976 | -5,502 | -7,702 |
| Dividend Payments | 0% | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 | 40.00 |
| Buy Backs | -61.2% | 5,196 | 13,391 | 19,931 | 28,276 | 34,698 | 27,299 | 24,499 | 22,234 | 10,616 | 10,006 | 7,393 | 11,294 | 16,009 | 18,313 | 27,401 | 23,915 | 26,577 | 40,093 | 36,085 | 45,933 | 42,301 |
CRMT Income Statement
2023-07-31Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands | 3 Months Ended | |
|---|---|---|
Jul. 31, 2023 | Jul. 31, 2022 | |
| Sales | $ 311,569 | $ 294,476 |
| Interest and other income | 56,456 | 44,342 |
| Total revenues | 368,025 | 338,818 |
| Costs and expenses: | ||
| Cost of sales | 203,879 | 193,115 |
| Selling, general and administrative | 46,470 | 43,234 |
| Provision for credit losses | 96,323 | 76,241 |
| Interest expense | 14,274 | 7,345 |
| Depreciation and amortization | 1,693 | 1,151 |
| Loss on disposal of property and equipment | (166) | (8) |
| Total costs and expenses | 362,805 | 321,094 |
| Income before taxes | 5,220 | 17,724 |
| Provision for income taxes | 1,034 | 4,027 |
| Net income | 4,186 | 13,697 |
| Less: Dividends on mandatorily redeemable preferred stock | 10 | 10 |
| Net income attributable to common stockholders | $ 4,176 | $ 13,687 |
| Earnings per share: | ||
| Basic (in dollars per share) | $ 0.65 | $ 2.15 |
| Diluted (in dollars per share) | $ 0.63 | $ 2.07 |
| Weighted average number of shares used in calculation: | ||
| Basic (in shares) | 6,381,704 | 6,373,326 |
| Diluted (in shares) | 6,635,002 | 6,601,586 |
CRMT Balance Sheet
2023-07-31Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands | Jul. 31, 2023 | Apr. 30, 2023 |
|---|---|---|
| Cash and cash equivalents | $ 6,314 | $ 9,796 |
| Restricted cash | 85,887 | 58,238 |
| Accrued interest on finance receivables | 6,757 | 6,115 |
| Finance receivables, net | 1,126,992 | 1,074,464 |
| Inventory | 117,186 | 109,290 |
| Income tax receivable, net | 5,142 | 9,259 |
| Prepaid expenses and other assets | 22,298 | 20,729 |
| Right-of-use asset | 61,769 | 59,142 |
| Goodwill | 11,716 | 11,716 |
| Property and equipment, net | 60,660 | 61,682 |
| Total Assets | 1,504,721 | 1,420,431 |
| Liabilities: | ||
| Accounts payable | 31,897 | 27,196 |
| Accrued liabilities | 30,362 | 33,606 |
| Deferred income tax liabilities, net | 36,098 | 39,315 |
| Lease liability | 64,882 | 62,300 |
| Non-recourse notes payable, net | 711,789 | 471,367 |
| Revolving line of credit, net | (1,035) | 167,231 |
| Total liabilities | 999,592 | 921,484 |
| Commitments and Contingencies | ||
| Mezzanine equity: | ||
| Mandatorily redeemable preferred stock | 400 | 400 |
| Equity: | ||
| Preferred stock, par value $.01 per share, 1,000,000 shares authorized; none issued or outstanding | 0 | 0 |
| Common stock, par value $.01 per share, 50,000,000 shares authorized; 13,710,882 and 13,701,468 issued at July 31, 2023 and April 30, 2023, respectively, of which 6,381,954 and 6,373,404 were outstanding at July 31, 2023 and April 30, 2023, respectively | 137 | 137 |
| Additional paid-in capital | 112,003 | 109,929 |
| Retained earnings | 689,978 | 685,802 |
| Less: Treasury stock, at cost, 7,328,928 and 7,328,064 shares at July 31, 2023 and April 30, 2023, respectively | (297,489) | (297,421) |
| Total stockholders' equity | 504,629 | 498,447 |
| Non-controlling interest | 100 | 100 |
| Total equity | 504,729 | 498,547 |
| Total Liabilities, Mezzanine Equity and Equity | 1,504,721 | 1,420,431 |
| Payment Protection Plan [Member] | ||
| Liabilities: | ||
| Deferred revenue | 54,716 | 53,065 |
| Service Contract [Member] | ||
| Liabilities: | ||
| Deferred revenue | $ 70,883 | $ 67,404 |
America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. The company primarily sells older model used vehicles and provides financing for its customers. As of April 30, 2021, it operated 151 dealerships in the South-Central United States. America's Car-Mart, Inc. was founded in 1981 and is headquartered in Rogers, Arkansas.