CRMT · America's Car-Mart Inc
America's CAR-MART Inc (CRMT)
What's happening
- CRMT is up 0.66% today, trading at $2.27. — Live quote
- It's trading within 3% of its 52-week low ($1.38). (Finnhub fundamentals)
- Volume today (793) is well below its 3-month average of 1,232,470. (Finnhub fundamentals)
- Reports earnings on 2026-09-11, 7 days away. (Finnhub earnings calendar)
- Last quarter's EPS beat estimates: $0.48 actual vs. $-0.60 estimated (+179.8%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-09-01 (8 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-08-14. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Signals describe daily price patterns—not the company’s value and not a recommendation to buy or sell. Read several together; no single indicator predicts what happens next. “Overbought” and “oversold” are conditions, not promises of a reversal.
Indicators None active
Free IEX historical data only goes back to ~2021 — 5Y/Full show whatever's actually available, not a promise of that much history. Indicators are computed client-side from these same price bars; earnings markers ("E") come from Finnhub's free tier (~last 4 quarters + next upcoming) — older quarters aren't available. The move-highlight dots are a heuristic (|% change| vs rolling volatility) with a best-effort headline lookup, not a claim of causation.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Latest SEC filing is Form 4, filed 2026-07-22; review it for current changes and risks. SEC EDGAR ↗
Potential concerns
- Revenue growth is -18.2% on the provider's reported measure. Finnhub fundamentals ↗
- Net profit margin is -10.9%. Finnhub fundamentals ↗
- Trailing 52-week price return is -95.0%. Finnhub market metrics ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on CRMT
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jan '26 | Oct '25 | Jul '25 | Jan '25 | Oct '24 | Jul '24 | Jan '24 | Oct '23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $286.8M | $350.2M | $341.3M | $325.7M | $347.3M | $347.8M | $299.6M | $359.8M |
| Gross profit | — | — | — | — | — | — | — | — |
| Net income | — | — | — | — | — | — | — | — |
| EPS (diluted) | $-9.25 | $-2.71 | $-0.69 | $0.37 | $0.61 | $-0.15 | $-1.34 | $-4.30 |
| EPS (basic) | $-9.25 | $-2.71 | $-0.69 | $0.38 | $0.62 | $-0.15 | $-1.34 | $-4.30 |
Balance sheet
| Line item | Apr '26 | Jan '26 | Oct '25 | Jul '25 | Apr '25 | Jan '25 | Oct '24 | Jul '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.42B | $1.63B | $1.72B | $1.61B | $1.61B | $1.61B | $1.58B | $1.53B |
| Total liabilities | $970.8M | $1.15B | $1.16B | $1.04B | $1.04B | $1.05B | $1.02B | $1.06B |
| Stockholders' equity | $445.6M | $479.3M | $555.0M | $564.8M | $569.4M | $557.8M | $553.6M | $471.1M |
| Cash & equivalents | $47.0M | $117.9M | $122.4M | $9.7M | $9.8M | $8.5M | $8.0M | $4.7M |
| Inventory | $54.1M | $101.2M | $104.8M | $112.5M | $112.2M | $143.9M | $122.1M | $114.5M |
| Property, plant & equipment | $42.9M | $49.1M | $52.5M | $55.2M | $56.9M | $58.1M | $59.2M | $59.8M |
| Goodwill | $22.8M | $22.8M | $23.7M | $23.7M | $22.8M | $22.8M | $22.9M | $22.9M |
| Accrued liabilities | $35.9M | $38.6M | $36.8M | $46.6M | $35.9M | $35.5M | $33.6M | $32.5M |
| Long-term debt | — | — | — | — | — | — | — | — |
| Common stock & paid-in capital | $157.0K | $157.0K | $156.0K | $156.0K | $156.0K | $156.0K | $156.0K | $137.0K |
| Retained earnings | $533.1M | $567.3M | $644.0M | $666.5M | $672.3M | $661.6M | $658.5M | $653.4M |
Cash flow
| Line item | Apr '26 | Jan '26 | Oct '25 | Jul '25 | Apr '25 | Jan '25 | Oct '24 | Jul '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $67.7M | -$5.9M | $9.1M | -$5.9M | $19.2M | -$30.8M | -$22.2M | -$15.0M |
| Investing cash flow | -$154.0K | -$241.0K | -$687.0K | -$439.0K | -$783.0K | -$751.0K | -$1.3M | -$8.5M |
| Financing cash flow | -$172.9M | -$7.8M | $121.2M | $3.2M | -$20.3M | $28.2M | $54.6M | $27.7M |
| Free cash flow | $67.4M | -$6.2M | $8.3M | -$6.4M | $18.4M | -$31.5M | -$23.6M | -$16.0M |
| Capital expenditures | $289.0K | $278.0K | $784.0K | $459.0K | $801.0K | $751.0K | $1.4M | $986.0K |
| Depreciation & amortization | $1.9M | $2.0M | $2.1M | $2.1M | $1.9M | $1.9M | $1.9M | $1.9M |
| Share-based compensation | $407.0K | $969.0K | $1.2M | $1.2M | $923.0K | -$1.5M | $3.9M | $1.3M |
| Deferred income taxes | -$2.8M | $29.3M | $0 | $608.0K | -$2.3M | -$2.9M | -$4.6M | -$943.0K |
| Change in inventory | -$78.5M | -$33.3M | -$39.9M | -$28.6M | -$61.2M | -$5.2M | -$22.5M | -$25.6M |
| Purchases of investments | — | — | — | $0 | $0 | $0 | $0 | $7.5M |
| Dividends paid | — | $10.0K | $10.0K | $10.0K | $10.0K | $10.0K | $10.0K | $10.0K |
| Share repurchases | -$2.0K | $23.0K | $205.0K | $71.0K | $2.0K | $20.0K | $388.0K | $24.0K |
Income statement
| Line item | Apr '26 | Apr '25 | Apr '24 | Apr '23 | Apr '22 |
|---|---|---|---|---|---|
| Revenue | $1.28B | $1.39B | $1.39B | $1.40B | $1.19B |
| Gross profit | — | — | — | — | — |
| Net income | — | — | — | — | — |
| EPS (diluted) | $-16.79 | $2.33 | $-4.92 | $3.11 | $13.92 |
| EPS (basic) | $-16.79 | $2.38 | $-4.92 | $3.20 | $14.59 |
Balance sheet
| Line item | Apr '26 | Apr '25 | Apr '24 | Apr '23 | Apr '22 |
|---|---|---|---|---|---|
| Total assets | $1.42B | $1.61B | $1.48B | $1.41B | $1.15B |
| Total liabilities | $970.8M | $1.04B | $1.01B | $915.8M | $677.8M |
| Stockholders' equity | $445.6M | $569.4M | $470.6M | $498.4M | $476.4M |
| Cash & equivalents | $47.0M | $9.8M | $5.5M | $9.8M | $6.9M |
| Inventory | $54.1M | $112.2M | $107.5M | $109.3M | $115.3M |
| Property, plant & equipment | $42.9M | $56.9M | $60.4M | $61.7M | $45.4M |
| Goodwill | $22.8M | $22.8M | $14.4M | $11.7M | $8.6M |
| Accrued liabilities | $35.9M | $35.9M | $27.8M | $27.9M | $32.6M |
| Long-term debt | — | — | — | — | — |
| Common stock & paid-in capital | $157.0K | $156.0K | $137.0K | $137.0K | $136.0K |
| Retained earnings | $533.1M | $672.3M | $654.4M | $685.8M | $665.4M |
Cash flow
| Line item | Apr '26 | Apr '25 | Apr '24 | Apr '23 | Apr '22 |
|---|---|---|---|---|---|
| Operating cash flow | $65.0M | -$48.8M | -$73.9M | -$135.7M | -$119.2M |
| Investing cash flow | -$1.5M | -$11.4M | -$10.6M | -$27.6M | -$17.4M |
| Financing cash flow | -$56.3M | $90.2M | $111.0M | $188.7M | $176.2M |
| Free cash flow | $63.1M | -$52.7M | -$80.0M | -$157.8M | -$135.0M |
| Capital expenditures | $1.8M | $3.9M | $6.1M | $22.1M | $15.8M |
| Depreciation & amortization | $8.2M | $7.6M | $6.9M | $5.6M | $4.0M |
| Share-based compensation | $3.7M | $4.7M | $4.2M | $5.3M | $5.5M |
| Deferred income taxes | $27.1M | -$10.7M | -$21.5M | $8.9M | $8.8M |
| Change in inventory | -$180.3M | -$114.6M | -$139.2M | -$133.0M | -$51.1M |
| Purchases of investments | — | $7.5M | $4.8M | $5.5M | $1.6M |
| Dividends paid | — | $40.0K | $40.0K | $40.0K | $40.0K |
| Share repurchases | $297.0K | $434.0K | $365.0K | $5.2M | $34.7M |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding CRMT as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2025-06-17 to 2026-07-20
Recent transactions
- Insiders have net sold 8,000 shares over the last 182 days, across 0 purchases and 1 sale.
- Most recent: Peterson Adam K (Former 10% beneficial owner) — Other acquisition/disposition of 437,161 shares on 2026-07-20.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Peterson Adam K | Former 10% beneficial owner | Other acquisition/disposition | 2026-07-20 | 437,161 |
| Collins Jonathan M. | Chief Financial Officer | Tax withholding | 2026-06-05 | 506 |
| Judy Vickie D. | Chief Accounting Officer | Tax withholding | 2026-05-22 | 1,067 |
| Williams Jeffrey A | Director | Grant / award | 2026-05-01 | 11,801 |
| WELCH JOSHUA G | Director | Grant / award | 2026-05-01 | 11,801 |
| MORRIS DAWN C | Director | Grant / award | 2026-05-01 | 11,801 |
| Joplin Brandi N. | Director | Grant / award | 2026-05-01 | 11,801 |
| Englander Daniel J | Director | Grant / award | 2026-05-01 | 16,915 |
| Davis Julia K. | Director | Grant / award | 2026-05-01 | 11,801 |
| Buba Jonathan Z | Director | Grant / award | 2026-05-01 | 11,801 |
| Fischer Jamie | Chief Operating Officer | Tax withholding | 2025-10-18 | 2,510 |
| Campbell Douglas W. Jr. | President & CEO | Tax withholding | 2025-09-30 | 4,746 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-07-20 | Peterson Adam K | Former 10% beneficial owner | Other acquisition/disposition | 437,161 | $0.00 |
| 2026-06-05 | Collins Jonathan M. | Chief Financial Officer | Tax withholding | 506 | $7.73 |
| 2026-05-22 | Judy Vickie D. | Chief Accounting Officer | Tax withholding | 1,067 | $11.88 |
| 2026-05-01 | Williams Jeffrey A | Director | Grant / award | 11,801 | $0.00 |
| 2026-05-01 | WELCH JOSHUA G | Director | Grant / award | 11,801 | $0.00 |
| 2026-05-01 | MORRIS DAWN C | Director | Grant / award | 11,801 | $0.00 |
| 2026-05-01 | Joplin Brandi N. | Director | Grant / award | 11,801 | $0.00 |
| 2026-05-01 | Englander Daniel J | Director | Grant / award | 16,915 | $0.00 |
| 2026-05-01 | Davis Julia K. | Director | Grant / award | 11,801 | $0.00 |
| 2026-05-01 | Buba Jonathan Z | Director | Grant / award | 11,801 | $0.00 |
| 2026-04-27 | Peterson Adam K | 10% owner | Open market sale | 8,000 | $12.59 |
| 2026-04-20 | Peterson Adam K | 10% owner | Other acquisition/disposition | 132,815 | $0.00 |
| 2026-01-16 | Judy Vickie D. | Chief Accounting Officer | Grant / award | 1,241 | $0.00 |
| 2025-12-11 | Collins Jonathan M. | Chief Financial Officer | Open market purchase | 197 | $25.27 |
| 2025-10-18 | Fischer Jamie | Chief Operating Officer | Tax withholding | 2,510 | $24.87 |
| 2025-09-30 | Campbell Douglas W. Jr. | President & CEO | Tax withholding | 4,746 | $29.21 |
| 2025-09-25 | Joplin Brandi N. | Director | Grant / award | 2,919 | $0.00 |
| 2025-09-17 | Fischer Jamie | Chief Operating Officer | Grant / award | 6,211 | $0.00 |
| 2025-07-15 | Peterson Adam K | 10% owner | Other acquisition/disposition | 167,404 | $0.00 |
| 2025-06-24 | Judy Vickie D. | Chief Accounting Officer | Tax withholding | 318 | $55.50 |
| 2025-06-17 | Collins Jonathan M. | Chief Financial Officer | Open market purchase | 102 | $49.30 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-09-04 15:34 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-07-22 | 4 | 2026-07-20 | View on SEC.gov → |
| 2026-07-14 | 10-K | 2026-04-30 | View on SEC.gov → |
| 2026-07-14 | 8-K | 2026-07-14 | View on SEC.gov → |
| 2026-06-25 | 8-K | 2026-06-19 | View on SEC.gov → |
| 2026-06-12 | 8-K | 2026-06-12 | View on SEC.gov → |
| 2026-06-09 | 4 | 2026-06-05 | View on SEC.gov → |
| 2026-06-05 | 4 | 2026-01-16 | View on SEC.gov → |
| 2026-06-05 | 4 | 2026-06-03 | View on SEC.gov → |
| 2026-06-05 | 4 | 2026-06-03 | View on SEC.gov → |
| 2026-06-05 | 4 | 2026-06-03 | View on SEC.gov → |
| 2026-06-05 | 8-K | 2026-06-01 | View on SEC.gov → |
| 2026-05-29 | 8-K | 2026-05-22 | View on SEC.gov → |
Recent news
Headlines about CRMT (America's Car-Mart Inc). Links open the publisher — we don’t host full articles.
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3 Small-Cap Stocks That Concern Us
Yahoo Finance · 2026-09-04 -
6.6% of America's Car-Mart (NASDAQ: CRMT) sits with one investor group
Stock Titan · 2026-09-03 -
3 Reasons to Sell CRMT and 1 Stock to Buy Instead
StockStory · 2026-09-03 -
America's Car-Mart stock falls ahead of earnings as expectations tighten - ad-hoc-news.de
ad-hoc-news.de · 2026-09-03 -
America's Car-Mart, RH, Arhaus, Bath and Body Works, and Urban Outfitters Shares Plummet, What You Need To Know
finance.yahoo.com · 2026-09-01 -
Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT
PR Newswire · 2026-08-29 -
1 Unprofitable Stock for Long-Term Investors and 2 Facing Headwinds
Yahoo Finance · 2026-08-21 -
Monro, America's Car-Mart, Camping World, Leslie's, and Boot Barn Stocks Trade Down, What You Need To Know
Yahoo Finance · 2026-08-20
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