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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 1182 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.68 vs. CRMT: 0.01 )
Ranked among companies with meaningful Cash to Debt only.
CRMT' s 10-Year Cash to Debt Range
Min: 0  Med: 0.01 Max: No Debt
Current: 0.01
Equity to Asset 0.57
CRMT's Equity to Asset is ranked higher than
65% of the 1031 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.48 vs. CRMT: 0.57 )
Ranked among companies with meaningful Equity to Asset only.
CRMT' s 10-Year Equity to Asset Range
Min: 0.2  Med: 0.66 Max: 0.94
Current: 0.57
0.2
0.94
Interest Coverage 17.21
CRMT's Interest Coverage is ranked lower than
57% of the 669 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 24.37 vs. CRMT: 17.21 )
Ranked among companies with meaningful Interest Coverage only.
CRMT' s 10-Year Interest Coverage Range
Min: 2.55  Med: 13.76 Max: 24.21
Current: 17.21
2.55
24.21
F-Score: 6
Z-Score: 4.98
M-Score: -1.24
WACC vs ROIC
7.86%
9.65%
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 (%) 9.42
CRMT's Operating margin (%) is ranked higher than
76% of the 1181 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.72 vs. CRMT: 9.42 )
Ranked among companies with meaningful Operating margin (%) only.
CRMT' s 10-Year Operating margin (%) Range
Min: -3000  Med: 9.56 Max: 15.84
Current: 9.42
-3000
15.84
Net-margin (%) 5.56
CRMT's Net-margin (%) is ranked higher than
66% of the 1181 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 3.63 vs. CRMT: 5.56 )
Ranked among companies with meaningful Net-margin (%) only.
CRMT' s 10-Year Net-margin (%) Range
Min: -11.18  Med: 7.29 Max: 12300
Current: 5.56
-11.18
12300
ROE (%) 13.31
CRMT's ROE (%) is ranked higher than
67% of the 1166 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 9.05 vs. CRMT: 13.31 )
Ranked among companies with meaningful ROE (%) only.
CRMT' s 10-Year ROE (%) Range
Min: -25.6  Med: 15.52 Max: 39.68
Current: 13.31
-25.6
39.68
ROA (%) 7.58
CRMT's ROA (%) is ranked higher than
74% of the 1196 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.05 vs. CRMT: 7.58 )
Ranked among companies with meaningful ROA (%) only.
CRMT' s 10-Year ROA (%) Range
Min: -6.64  Med: 9.61 Max: 22.97
Current: 7.58
-6.64
22.97
ROC (Joel Greenblatt) (%) 15.39
CRMT's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1194 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 12.14 vs. CRMT: 15.39 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CRMT' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.99  Med: 19.68 Max: 887.5
Current: 15.39
2.99
887.5
Revenue Growth (3Y)(%) 11.40
CRMT's Revenue Growth (3Y)(%) is ranked higher than
77% of the 945 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.50 vs. CRMT: 11.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRMT' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2.9  Med: 14.00 Max: 965.9
Current: 11.4
2.9
965.9
EBITDA Growth (3Y)(%) 1.70
CRMT's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 852 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.00 vs. CRMT: 1.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRMT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -37.9  Med: 14.90 Max: 102.6
Current: 1.7
-37.9
102.6
EPS Growth (3Y)(%) 0.10
CRMT's EPS Growth (3Y)(%) is ranked lower than
55% of the 752 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.00 vs. CRMT: 0.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CRMT' s 10-Year EPS Growth (3Y)(%) Range
Min: -35.6  Med: 14.00 Max: 172.9
Current: 0.1
-35.6
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) 14.35
CRMT's P/E(ttm) is ranked higher than
60% of the 946 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 16.80 vs. CRMT: 14.35 )
Ranked among companies with meaningful P/E(ttm) only.
CRMT' s 10-Year P/E(ttm) Range
Min: 5.03  Med: 13.43 Max: 72.5
Current: 14.35
5.03
72.5
Forward P/E 10.49
CRMT's Forward P/E is ranked higher than
60% of the 389 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 11.86 vs. CRMT: 10.49 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.70
CRMT's PE(NRI) is ranked higher than
60% of the 948 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 16.90 vs. CRMT: 13.70 )
Ranked among companies with meaningful PE(NRI) only.
CRMT' s 10-Year PE(NRI) Range
Min: 5.04  Med: 13.46 Max: 73.26
Current: 13.7
5.04
73.26
P/B 1.79
CRMT's P/B is ranked lower than
52% of the 1142 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.58 vs. CRMT: 1.79 )
Ranked among companies with meaningful P/B only.
CRMT' s 10-Year P/B Range
Min: 0.63  Med: 1.67 Max: 3.16
Current: 1.79
0.63
3.16
P/S 0.80
CRMT's P/S is ranked lower than
52% of the 1173 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.70 vs. CRMT: 0.80 )
Ranked among companies with meaningful P/S only.
CRMT' s 10-Year P/S Range
Min: 0.3  Med: 0.85 Max: 1.62
Current: 0.8
0.3
1.62
PFCF 50.15
CRMT's PFCF is ranked lower than
76% of the 510 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 21.60 vs. CRMT: 50.15 )
Ranked among companies with meaningful PFCF only.
CRMT' s 10-Year PFCF Range
Min: 9.84  Med: 44.23 Max: 437
Current: 50.15
9.84
437
POCF 34.00
CRMT's POCF is ranked lower than
83% of the 826 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 11.02 vs. CRMT: 34.00 )
Ranked among companies with meaningful POCF only.
CRMT' s 10-Year POCF Range
Min: 8.14  Med: 28.70 Max: 307.84
Current: 34
8.14
307.84
EV-to-EBIT 10.02
CRMT's EV-to-EBIT is ranked higher than
67% of the 963 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 13.22 vs. CRMT: 10.02 )
Ranked among companies with meaningful EV-to-EBIT only.
CRMT' s 10-Year EV-to-EBIT Range
Min: 2.9  Med: 9.20 Max: 24.2
Current: 10.02
2.9
24.2
PEG 2.32
CRMT's PEG is ranked lower than
65% of the 475 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.46 vs. CRMT: 2.32 )
Ranked among companies with meaningful PEG only.
CRMT' s 10-Year PEG Range
Min: 0.23  Med: 0.78 Max: 16.88
Current: 2.32
0.23
16.88
Shiller P/E 15.85
CRMT's Shiller P/E is ranked higher than
61% of the 580 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 17.91 vs. CRMT: 15.85 )
Ranked among companies with meaningful Shiller P/E only.
CRMT' s 10-Year Shiller P/E Range
Min: 5.78  Med: 16.97 Max: 35.18
Current: 15.85
5.78
35.18
Current Ratio 5.36
CRMT's Current Ratio is ranked higher than
95% of the 1045 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.54 vs. CRMT: 5.36 )
Ranked among companies with meaningful Current Ratio only.
CRMT' s 10-Year Current Ratio Range
Min: 1.5  Med: 9.31 Max: 53.75
Current: 5.36
1.5
53.75
Quick Ratio 4.86
CRMT's Quick Ratio is ranked higher than
96% of the 1045 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.10 vs. CRMT: 4.86 )
Ranked among companies with meaningful Quick Ratio only.
CRMT' s 10-Year Quick Ratio Range
Min: 1.5  Med: 8.63 Max: 53.75
Current: 4.86
1.5
53.75
Days Inventory 45.04
CRMT's Days Inventory is ranked higher than
63% of the 1162 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 56.38 vs. CRMT: 45.04 )
Ranked among companies with meaningful Days Inventory only.
CRMT' s 10-Year Days Inventory Range
Min: 17.99  Med: 39.37 Max: 88.64
Current: 45.04
17.99
88.64
Days Sales Outstanding 224.47
CRMT's Days Sales Outstanding is ranked lower than
98% of the 988 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 60.75 vs. CRMT: 224.47 )
Ranked among companies with meaningful Days Sales Outstanding only.
CRMT' s 10-Year Days Sales Outstanding Range
Min: 10.26  Med: 222.49 Max: 2555
Current: 224.47
10.26
2555

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 2.04
CRMT's Price/Net Current Asset Value is ranked higher than
80% of the 492 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 5.47 vs. CRMT: 2.04 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
CRMT' s 10-Year Price/Net Current Asset Value Range
Min: 0.87  Med: 2.08 Max: 6.83
Current: 2.04
0.87
6.83
Price/Tangible Book 1.73
CRMT's Price/Tangible Book is ranked higher than
50% of the 1111 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.68 vs. CRMT: 1.73 )
Ranked among companies with meaningful Price/Tangible Book only.
CRMT' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 1.55 Max: 2.42
Current: 1.73
0.58
2.42
Price/Projected FCF 1.51
CRMT's Price/Projected FCF is ranked lower than
55% of the 549 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.34 vs. CRMT: 1.51 )
Ranked among companies with meaningful Price/Projected FCF only.
CRMT' s 10-Year Price/Projected FCF Range
Min: 0.32  Med: 1.62 Max: 4.44
Current: 1.51
0.32
4.44
Price/DCF (Earnings Based) 0.69
CRMT's Price/DCF (Earnings Based) is ranked higher than
67% of the 48 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.06 vs. CRMT: 0.69 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.93
CRMT's Price/Median PS Value is ranked higher than
80% of the 1118 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.27 vs. CRMT: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
CRMT' s 10-Year Price/Median PS Value Range
Min: 0.34  Med: 0.98 Max: 47.23
Current: 0.93
0.34
47.23
Price/Graham Number 1.02
CRMT's Price/Graham Number is ranked higher than
55% of the 810 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.07 vs. CRMT: 1.02 )
Ranked among companies with meaningful Price/Graham Number only.
CRMT' s 10-Year Price/Graham Number Range
Min: 0.24  Med: 0.88 Max: 2.86
Current: 1.02
0.24
2.86
Earnings Yield (Greenblatt) (%) 10.04
CRMT's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 1174 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 5.90 vs. CRMT: 10.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRMT' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.1  Med: 10.80 Max: 34.8
Current: 10.04
4.1
34.8
Forward Rate of Return (Yacktman) (%) 5.36
CRMT's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 576 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 5.36 vs. CRMT: 5.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CRMT' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -16.1  Med: 12.35 Max: 45.1
Current: 5.36
-16.1
45.1

Business Description

Industry: Autos » Auto & Truck Dealerships
Compare:LAD, KMX, PAG, ABG, AN » details
America's Car-Mart Inc is a Texas corporation 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 approximately 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
Donald Yacktman's Holdings That Are Repurchasing Shares Jun 17 2015 
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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