CRMT - NASDAQ

America's Car-Mart, Inc.

CRMT·NASDAQ

$7.37

+7.4%

Consumer CyclicalAuto - Dealerships

America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. It primarily sells older model used vehicles and provides financing for its customers. As of April 30, 2022, the company operated 154 dealerships in the South-Central United States. The company was founded in 1981 and is based in Rogers, Arkansas.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$61.19M

EPS2.3800

P/E Ratio3.10

Earnings Date06/03/2026

1.61B

Assets

3Y+39.0%

5Y+141.0%

10Y+295.0%

1.04B

Total Liabilities

3Y+53.0%

5Y+184.0%

10Y+484.0%

569.92M

Total Equity

21%

3Y+19.0%

5Y+88.0%

10Y+149.0%

America's Car-Mart, Inc. Funding & Solvency Profile

CRMT · NASDAQ

Current Assets

Cash & Cash Equivalents9.81M

Net Receivables1.19B

Inventory112.23M

Other Current Assets114.73M

Total Current Assets1 B

Non-Current Assets

Property, Plant & Equipment120.72M

Goodwill & Intangible Assets22.80M

Long-Term Investments0.00

Other Non-Current Assets38.08M

Total Non-Current Assets159 M

Total Assets

1.61B

Financial Health Analysis

Current Ratio

3.83x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

1.82x

Elevated leverage. Debt exceeds equity, which amplifies both gains and risks. Monitor debt servicing ability.

Working Capital

1 B

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

89% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

America's Car-Mart, Inc. Balance Sheet

CRMT • NASDAQ

America's Car-Mart, Inc. Balance Sheet	Apr 2025	Apr 2024	Apr 2023	Apr 2022	Apr 2021	Apr 2020	Apr 2019	Apr 2018	Apr 2017	Apr 2016	Apr 2015	Apr 2014	Apr 2013	Apr 2012	Apr 2011	Apr 2010	Apr 2009	Apr 2008	Apr 2007	Apr 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	9.8M	5.5M	9.8M	6.9M	2.9M	59.6M	1.8M	1M	434K	602K	790K	289K	272K	276K	223K	268K	168K	153K	257K	254.8K
Cash & Short-Term Investments	9.8M	5.5M	9.8M	6.9M	2.9M	59.6M	1.8M	1M	434K	602K	790K	289K	272K	276K	223K	268K	168K	153K	257K	254.8K
Net Receivables	1.2B	1.1B	1.1B	868.9M	628.5M	469.2M	419.8M	387.3M	359.3M	337.4M	326.8M	295.1M	292.2M	254M	222.3M	961K	182.8M	167.6M	141.8M	150.2M
Accounts Receivables	1.2B	1.1B	1.1B	863.7M	625.1M	466.1M	415.5M	383.6M	357.2M	334.8M	324.1M	293.3M	288M	251.1M	222.3M	961K	182.8M	164.2M	139.9M	149.4M
Other Receivables	8.1M	10.5M	16.1M	5.2M	3.4M	3.1M	4.3M	3.6M	2.1M	2.6M	2.6M	1.8M	4.2M	0.0	0.0	0.0	0.0	3.4M	1.9M	818K
Inventory	112.2M	107.5M	109.3M	115.3M	82.3M	36.4M	37.5M	33.6M	30.1M	29.9M	34.3M	30.1M	32.8M	27.2M	23.6M	20.4M	15.5M	13.5M	13.7M	10.9M
Prepaids	0.0	0.0	0.0	9M	6.1M	4.4M	4.6M	4.7M	3.9M	3.3M	3.7M	3.5M	2.4M	1.5M	2M	1.2M	1.5M	832K	600K	802K
Other Current Assets	114.7M	88.9M	58.2M	41.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.4M	961K	0.0	0.0	0.0	2.5B
Total Current Assets	1.4B	1.3B	1.3B	1B	719.8M	569.7M	463.7M	426.6M	393.8M	371.2M	366M	329M	327.7M	283M	250.5M	228.2M	199.9M	182.1M	156.4M	162.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	120.7M	121.5M	120.8M	104.2M	95.1M	90.9M	28.5M	28.6M	30.1M	34.8M	34M	33.9M	30.2M	27.5M	25.5M	22.7M	19.3M	18.1M	16.9M	15.4M
Goodwill	22.8M	14.4M	11.7M	8.6M	7.3M	6.8M	355K	355K	355K	355K	355K	355K	355K	355K	355K	355K	355K	355K	355K	0.0
Goodwill & Intangible Assets	22.8M	14.4M	11.7M	8.6M	7.3M	6.8M	355K	355K	355K	355K	355K	355K	355K	355K	355K	355K	355K	355K	355K	0.0
Tax Assets	0.0	0.0	0.0	0.0	0.0	13M	14.3M	12.6M	18.9M	18.3M	19.2M	15.2M	0.0	0.0	0.0	0.0	0.0	0.0	-754K	-898.1M
Other Non-Current Assets	38.1M	31.3M	26M	0.0	0.0	-13M	-14.3M	-12.6M	-18.9M	-18.3M	-19.2M	-15.2M	0.0	0.0	0.0	0.0	0.0	0.0	754K	898.1M
Total Non-Current Assets	181.6M	167.3M	158.6M	112.9M	102.4M	97.7M	28.9M	28.9M	30.5M	35.1M	34.3M	34.3M	30.5M	27.9M	25.9M	23.1M	19.7M	18.5M	17.2M	15.4M
Total Assets	1.6B	1.5B	1.4B	1.2B	822.2M	667.3M	492.5M	455.6M	424.3M	406.3M	400.4M	363.3M	358.3M	310.9M	276.4M	251.3M	219.6M	200.6M	173.6M	177.6M
LIABILITIES
CURRENT LIABILITIES
Total Payables	36.4M	21.4M	27.2M	20.1M	18.4M	17M	13.7M	13.6M	12.1M	12.3M	11M	9.3M	8.8M	7.4M	7.7M	5.8M	4.2M	3.9M	2.5M	3.1M
Accounts Payable	35M	21.4M	27.2M	20.1M	18.2M	13.1M	13.7M	13.6M	11.2M	12.3M	11M	8.5M	8.8M	7.4M	7.7M	5.8M	3.9M	3.9M	2.5M	3.1M
Other Payables	1.5M	0.0	0.0	0.0	150K	3.8M	0.0	0.0	885K	0.0	0.0	782K	0.0	0.0	0.0	23K	308K	0.0	0.0	0.0
Accrued Expenses	16.4M	10M	8.2M	7.6M	5.2M	4.4M	5.2M	3.5M	2.9M	3.7M	4M	4M	3.5M	3.3M	117K	147K	3.7M	11.1M	2M	8.7M
Short Term Debt	206.1M	201.6M	167.2M	44.7M	1.8M	0.0	1.3M	0.0	669K	101K	1.6M	1.1M	1.5M	128K	0.0	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations (Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	278K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Tax Payables	1.5M	6.2M	8.5M	7.4M	150K	3.8M	3.6M	3.3M	885K	2.7M	0.0	782K	0.0	1.8M	0.0	23K	308K	0.0	-3.7M	1.5B
Deferred Revenue	113.2M	120.8M	120.5M	92.5M	56.8M	24.5M	21.4M	19.8M	18.5M	27.3M	25.2M	13.2M	12.9M	13.8M	11.9M	8.2M	7.4M	4.6M	0.0	0.0
Other Current Liabilities	0.0	0.0	0.0	0.0	0.0	20M	14.9M	16M	2M	-3.8M	-18.1M	8.2M	7.9M	26.6M	8.3M	9.9M	30.5M	0.0	4.3M	2.9M
Total Current Liabilities	372.1M	353.8M	323.1M	164.8M	82.1M	22.6M	20.2M	18M	17.7M	17.2M	17M	14.4M	13.8M	48.2M	28.1M	26.7M	24.4M	19.6M	8.7M	14.8M
NON-CURRENT LIABILITIES
Long Term Debt	572M	553.6M	471.4M	396M	225.9M	215M	152.1M	151.1M	117.9M	107.8M	102.7M	97M	99.6M	77.9M	47.5M	5.9M	0.0	40.3M	40.8M	43.6M
Deferred Revenue (Non-Current)	0.0	0.0	120.5M	92.5M	56.8M	36.1M	32M	30.2M	28.1M	27.3M	25.2M	17.5M	16.4M	-16.7M	0.0	0.0	-42.7M	-51.4M	0.0	0.0
Deferred Tax Liabilities (Non-Current)	17.5M	24M	47.9M	37.8M	25.9M	16M	17.8M	15.8M	21.8M	21M	21.9M	17.8M	20.6M	16.7M	13.4M	9.2M	8.4M	3.5M	335K	0.0
Other Non-Current Liabilities	8M	10.8M	-109.3M	-74.9M	-38.4M	-370K	-6.1M	-6.8M	5.3M	-18.7M	-3.2M	-4.9M	-2.7M	-31.9M	400K	33.3M	29.8M	0.0	0.0	1K
Total Non-Current Liabilities	664.5M	652.7M	592.7M	512.9M	333.1M	341.6M	211.5M	206.6M	173.1M	159.8M	153.8M	135.5M	141.8M	78.3M	61.3M	48.4M	38.2M	43.8M	41.2M	43.6M
Other Liabilities	0.0	0.0	0.0	0.0	0.0	400K	400K	400K	400K	400K	400K	400K	400K	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	67M	64.3M	62.3M	61.5M	62.9M	63.3M	839K	1.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1B	1B	915.8M	677.8M	415.3M	364.6M	232M	225M	191.3M	177.5M	171.2M	150.3M	156M	126.5M	89.4M	75.1M	62.6M	63.4M	49.9M	58.4M
SHAREHOLDERS' EQUITY
Treasury Stock	-298.2M	-297.8M	-297.4M	-292.2M	-257.5M	-246.9M	-230.9M	-204.3M	-162M	-141.5M	-127.3M	-107.3M	-94.5M	-77.2M	-37.9M	-17.5M	-6.7M	-5.5M	-2M	-1.5M
Preferred Stock	400K	400K	400K	400K	400K	400K	400K	400K	400K	400K	400K	400K	400K	400K	400K	400K	0.0	0.0	0.0	0.0
Common Stock	156K	137K	137K	136K	136K	135K	134K	131K	129K	127K	127K	125K	124K	124K	123K	123K	122K	121K	120K	119.3K
Additional Paid-In Capital	195.2M	113.9M	109.9M	103.1M	98.8M	88.6M	81.6M	72.6M	69.3M	64.8M	62.4M	55.7M	53.3M	50.4M	46.5M	43.5M	40.3M	37.3M	35.3M	33.1M
Retained Earnings	672.3M	654.4M	685.8M	665.4M	565M	460.9M	409.6M	362M	325.5M	305.4M	293.8M	264.3M	243.3M	211.1M	178.2M	150M	123.2M	105.3M	90.3M	86M
Accumulated Other Comprehensive Income/Loss	0.0	0.0	-297.4M	-292.2M	-257.5M	-246.9M	-230.9M	-204.3M	-162M	-141.5M	-127.3M	-107.3M	-94.5M	-11.1M	-8.9M	-7.2M	-5.2M	-3.9M	-2.8M	1.5M
Other Total Stockholders' Equity	0.0	0.0	297.4M	292.2M	257.5M	0.0	0.0	0.0	0.0	141.1M	126.9M	106.9M	0.0	-300K	17.2M	13.7M	0.0	0.0	0.0	1.5M
Total Stockholders' Equity	569.8M	471.1M	498.8M	476.8M	406.8M	302.8M	260.5M	230.5M	233M	228.8M	229.1M	213M	202.3M	184.5M	187M	176.2M	157M	137.2M	123.7M	119.3M
Total Equity	569.9M	471.2M	498.9M	476.9M	406.9M	302.9M	260.6M	230.6M	233.1M	228.9M	229.2M	213.1M	202.4M	184.6M	187.1M	176.3M	157M	137.2M	123.7M	119.3M
Minority Interest	100K	100K	100K	100K	100K	100K	100K	100K	100K	100K	100K	100K	100K	100K	100K	100K	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	1.6B	1.5B	1.4B	1.2B	822.2M	667.3M	492.5M	455.6M	424.3M	406.3M	400.4M	363.3M	358.3M	310.9M	276.4M	251.3M	219.6M	200.6M	173.6M	177.6M
Total Debt	845.1M	819.5M	700.9M	502.1M	290.6M	278.4M	154.2M	152.9M	118.6M	107.9M	104.3M	98.1M	101.1M	77.9M	47.5M	38.8M	29.8M	40.3M	40.8M	43.6M
Net Debt	835.3M	814M	691.1M	495.2M	287.7M	218.8M	152.4M	151.9M	118.2M	107.3M	103.5M	97.8M	100.8M	77.6M	47.3M	38.5M	29.7M	40.2M	40.6M	43.3M
Shares Outstanding	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194	8,278,194

SEC Filings

CRMT - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 29, 2026	May 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 07, 2026	April 07, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	March 12, 2026	January 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 12, 2026	March 12, 2026	2026	View Filing
S-1 S-1 N/A	January 09, 2026	January 09, 2026		View Filing
8-K 8-K 2025 N/A	December 23, 2025	December 17, 2025	2025	View Filing
10-Q 10-Q 2025 Q4 Q4	December 09, 2025	October 31, 2025	2025	View Filing
8-K 8-K 2025 N/A	December 04, 2025	December 04, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 05, 2025	October 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	September 29, 2025	September 25, 2025	2025	View Filing

Showing 1 to 10 of 390 filings

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