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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.01
CRMT's Cash to Debt is ranked lower than
98% of the 1163 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.68 vs. CRMT: 0.01 )
CRMT' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: 0.01

Equity to Asset 0.55
CRMT's Equity to Asset is ranked higher than
62% of the 1022 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.48 vs. CRMT: 0.55 )
CRMT' s 10-Year Equity to Asset Range
Min: 0.2   Max: 0.96
Current: 0.55

0.2
0.96
Interest Coverage 12.26
CRMT's Interest Coverage is ranked lower than
63% of the 669 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 26.47 vs. CRMT: 12.26 )
CRMT' s 10-Year Interest Coverage Range
Min: 2.55   Max: 24.21
Current: 12.26

2.55
24.21
F-Score: 6
Z-Score: 5.01
M-Score: -2.07
WACC vs ROIC
6.81%
9.40%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 9.38
CRMT's Operating margin (%) is ranked higher than
76% of the 1163 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.84 vs. CRMT: 9.38 )
CRMT' s 10-Year Operating margin (%) Range
Min: -14300   Max: 15.84
Current: 9.38

-14300
15.84
Net-margin (%) 5.54
CRMT's Net-margin (%) is ranked higher than
64% of the 1163 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 3.82 vs. CRMT: 5.54 )
CRMT' s 10-Year Net-margin (%) Range
Min: -20300   Max: 12300
Current: 5.54

-20300
12300
ROE (%) 13.13
CRMT's ROE (%) is ranked higher than
65% of the 1149 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 9.17 vs. CRMT: 13.13 )
CRMT' s 10-Year ROE (%) Range
Min: -25.6   Max: 51.14
Current: 13.13

-25.6
51.14
ROA (%) 7.41
CRMT's ROA (%) is ranked higher than
72% of the 1180 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.19 vs. CRMT: 7.41 )
CRMT' s 10-Year ROA (%) Range
Min: -6.64   Max: 26.23
Current: 7.41

-6.64
26.23
ROC (Joel Greenblatt) (%) 14.94
CRMT's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1176 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 11.25 vs. CRMT: 14.94 )
CRMT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -33.52   Max: 26.75
Current: 14.94

-33.52
26.75
Revenue Growth (3Y)(%) 15.10
CRMT's Revenue Growth (3Y)(%) is ranked higher than
84% of the 921 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 5.10 vs. CRMT: 15.10 )
CRMT' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 965.9
Current: 15.1

0
965.9
EBITDA Growth (3Y)(%) -1.70
CRMT's EBITDA Growth (3Y)(%) is ranked lower than
62% of the 817 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 3.50 vs. CRMT: -1.70 )
CRMT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 102.6
Current: -1.7

0
102.6
EPS Growth (3Y)(%) -4.00
CRMT's EPS Growth (3Y)(%) is ranked lower than
60% of the 707 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 2.80 vs. CRMT: -4.00 )
CRMT' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 172.9
Current: -4

0
172.9
» CRMT's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

CRMT Guru Trades in Q2 2014

Chuck Royce 795,016 sh (unchged)
» More
Q3 2014

CRMT Guru Trades in Q3 2014

Donald Yacktman 26,500 sh (New)
Chuck Royce 686,716 sh (-13.62%)
» More
Q4 2014

CRMT Guru Trades in Q4 2014

Joel Greenblatt 5,246 sh (New)
Jim Simons 22,686 sh (New)
Chuck Royce 534,400 sh (-22.18%)
Chuck Royce 534,400 sh (-22.18%)
Donald Yacktman 14,600 sh (-44.91%)
» More
Q1 2015

CRMT Guru Trades in Q1 2015

Donald Yacktman 14,600 sh (unchged)
Joel Greenblatt Sold Out
Jim Simons Sold Out
Chuck Royce 484,000 sh (-9.43%)
» More
» Details

Insider Trades

Latest Guru Trades with CRMT

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 17.00
CRMT's P/E(ttm) is ranked lower than
56% of the 936 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 15.70 vs. CRMT: 17.00 )
CRMT' s 10-Year P/E(ttm) Range
Min: 5.03   Max: 72.5
Current: 17

5.03
72.5
Forward P/E 10.49
CRMT's Forward P/E is ranked higher than
60% of the 430 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 11.86 vs. CRMT: 10.49 )
N/A
PE(NRI) 17.00
CRMT's PE(NRI) is ranked higher than
50% of the 940 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 17.00 vs. CRMT: 17.00 )
CRMT' s 10-Year PE(NRI) Range
Min: 5.04   Max: 73.26
Current: 17

5.04
73.26
P/B 2.00
CRMT's P/B is ranked lower than
66% of the 1128 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.40 vs. CRMT: 2.00 )
CRMT' s 10-Year P/B Range
Min: 0.63   Max: 3.16
Current: 2

0.63
3.16
P/S 0.90
CRMT's P/S is ranked lower than
68% of the 1160 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.58 vs. CRMT: 0.90 )
CRMT' s 10-Year P/S Range
Min: 0.3   Max: 1.62
Current: 0.9

0.3
1.62
PFCF 26.70
CRMT's PFCF is ranked lower than
71% of the 621 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 15.94 vs. CRMT: 26.70 )
CRMT' s 10-Year PFCF Range
Min: 9.84   Max: 437
Current: 26.7

9.84
437
POCF 21.55
CRMT's POCF is ranked lower than
76% of the 947 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 9.68 vs. CRMT: 21.55 )
CRMT' s 10-Year POCF Range
Min: 8.14   Max: 307.84
Current: 21.55

8.14
307.84
EV-to-EBIT 11.71
CRMT's EV-to-EBIT is ranked higher than
64% of the 958 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 14.83 vs. CRMT: 11.71 )
CRMT' s 10-Year EV-to-EBIT Range
Min: 2.9   Max: 24.2
Current: 11.71

2.9
24.2
PEG 1.60
CRMT's PEG is ranked lower than
54% of the 474 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.41 vs. CRMT: 1.60 )
CRMT' s 10-Year PEG Range
Min: 0.23   Max: 16.88
Current: 1.6

0.23
16.88
Shiller P/E 18.40
CRMT's Shiller P/E is ranked lower than
57% of the 566 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.00 vs. CRMT: 18.40 )
CRMT' s 10-Year Shiller P/E Range
Min: 5.78   Max: 35.18
Current: 18.4

5.78
35.18
Current Ratio 5.32
CRMT's Current Ratio is ranked higher than
95% of the 1035 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.54 vs. CRMT: 5.32 )
CRMT' s 10-Year Current Ratio Range
Min: 0.08   Max: 53.75
Current: 5.32

0.08
53.75
Quick Ratio 4.78
CRMT's Quick Ratio is ranked higher than
96% of the 1035 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.09 vs. CRMT: 4.78 )
CRMT' s 10-Year Quick Ratio Range
Min: 0.08   Max: 53.75
Current: 4.78

0.08
53.75
Days Inventory 46.46
CRMT's Days Inventory is ranked higher than
62% of the 1144 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 56.25 vs. CRMT: 46.46 )
CRMT' s 10-Year Days Inventory Range
Min: 17.99   Max: 88.64
Current: 46.46

17.99
88.64
Days Sales Outstanding 234.84
CRMT's Days Sales Outstanding is ranked lower than
98% of the 977 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 60.59 vs. CRMT: 234.84 )
CRMT' s 10-Year Days Sales Outstanding Range
Min: 10.26   Max: 3285
Current: 234.84

10.26
3285

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 5.30
CRMT's Price/Net Current Asset Value is ranked higher than
62% of the 261 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 7.90 vs. CRMT: 5.30 )
CRMT' s 10-Year Price/Net Current Asset Value Range
Min: 0.71   Max: 14.4
Current: 5.3

0.71
14.4
Price/Tangible Book 2.00
CRMT's Price/Tangible Book is ranked lower than
61% of the 1096 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.50 vs. CRMT: 2.00 )
CRMT' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 6.64
Current: 2

0.44
6.64
Price/DCF (Projected) 1.90
CRMT's Price/DCF (Projected) is ranked lower than
83% of the 556 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.10 vs. CRMT: 1.90 )
CRMT' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 6.74
Current: 1.9

0.16
6.74
Price/Median PS Value 1.10
CRMT's Price/Median PS Value is ranked higher than
61% of the 1129 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.20 vs. CRMT: 1.10 )
CRMT' s 10-Year Price/Median PS Value Range
Min: 0.19   Max: 123.63
Current: 1.1

0.19
123.63
Price/Graham Number 1.20
CRMT's Price/Graham Number is ranked lower than
56% of the 879 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.00 vs. CRMT: 1.20 )
CRMT' s 10-Year Price/Graham Number Range
Min: 0.16   Max: 2.49
Current: 1.2

0.16
2.49
Earnings Yield (Greenblatt) 8.50
CRMT's Earnings Yield (Greenblatt) is ranked higher than
67% of the 1157 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 6.30 vs. CRMT: 8.50 )
CRMT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 34.8
Current: 8.5

4.1
34.8
Forward Rate of Return (Yacktman) 5.27
CRMT's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 577 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 5.92 vs. CRMT: 5.27 )
CRMT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.1   Max: 45.1
Current: 5.27

-16.1
45.1

Analyst Estimate

Apr15
EPS($) 3.82
EPS without NRI($) 3.82

Business Description

Industry: Autos » Auto & Truck Dealerships
Compare:LAD, KMX, PAG, ABG, AN » details
America's Car-Mart Inc is a Texas corporation initially formed in 1981. The Company is an automotive retailing company in the United States. The Company operates in the Integrated Auto Sales and Finance segment of the used car market, also referred to as the Integrated Auto Sales and Finance industry. It sells older model used vehicles & provides financing for substantially all of its customers. The Company operated 134 dealerships located in small cities throughout the South-Central United States. The Company competes principally with other independent Integrated Auto Sales and Finance dealers, and to a lesser but increasing degree with the used vehicle retail operations of franchised automobile dealerships, independent used vehicle dealers, and individuals who sell used vehicles in private transactions. The Company's operations are subject to various federal, state and local laws, ordinances and regulations pertaining to the sale and financing of vehicles.
» More Articles for CRMT

Headlines

Articles On GuruFocus.com
These 3 Automotive Dealers Are Good Investments Jul 24 2014 
Benefit from Used Car Sales with These Stocks May 30 2014 
Ways to Benefit from the Recovering Automobile Market Apr 30 2014 
America's Car Mart: Using a Checklist to Determine Investment Worthiness Feb 06 2014 
Todd Combs Buys CRMT, GBLI, and WFC, Sells BLK, CME, HIG, INDM, LUK Nov 12 2010 
Weekly Top Insider Buys: GD, BBY, RE, WCC, CRMT Oct 03 2010 
America's CarMart Inc (CRMT) Chairman of the Board Tilman J Iii Falgout sells 10,000 Shares Aug 05 2009 
America's CarMart Inc (CRMT) President and CEO William H Henderson sells 1,500 Shares Aug 05 2009 
small cap stocks on my watch list Feb 26 2009 

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