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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
64% of the 1772 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.61 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
75% of the 1566 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.44 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 higher than
58% of the 990 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 19.34 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: 4.98
M-Score: -2.07
WACC vs ROIC
6.25%
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
85% of the 1772 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 5.41 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
77% of the 1773 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.23 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
77% of the 1761 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 10.71 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
82% of the 1793 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.48 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
73% of the 1789 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 14.73 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
89% of the 1462 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 6.00 vs. CRMT: 15.10 )
CRMT' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2.9   Max: 965.9
Current: 15.1

2.9
965.9
EBITDA Growth (3Y)(%) -1.70
CRMT's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1318 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.70 vs. CRMT: -1.70 )
CRMT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -37.9   Max: 102.6
Current: -1.7

-37.9
102.6
EPS Growth (3Y)(%) -4.00
CRMT's EPS Growth (3Y)(%) is ranked higher than
65% of the 1173 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 3.50 vs. CRMT: -4.00 )
CRMT' s 10-Year EPS Growth (3Y)(%) Range
Min: -35.6   Max: 172.9
Current: -4

-35.6
172.9
» CRMT's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

CRMT Guru Trades in Q1 2014

Chuck Royce 795,016 sh (unchged)
Scott Black Sold Out
» More
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

Jim Simons 22,686 sh (New)
Joel Greenblatt 5,246 sh (New)
Chuck Royce 534,400 sh (-22.18%)
Chuck Royce 534,400 sh (-22.18%)
Donald Yacktman 14,600 sh (-44.91%)
» 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) 16.70
CRMT's P/E(ttm) is ranked higher than
75% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 21.50 vs. CRMT: 16.70 )
CRMT' s 10-Year P/E(ttm) Range
Min: 5.03   Max: 72.5
Current: 16.7

5.03
72.5
Forward P/E 10.49
CRMT's Forward P/E is ranked higher than
91% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.00 vs. CRMT: 10.49 )
N/A
PE(NRI) 16.70
CRMT's PE(NRI) is ranked higher than
77% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 21.40 vs. CRMT: 16.70 )
CRMT' s 10-Year PE(NRI) Range
Min: 5.04   Max: 73.26
Current: 16.7

5.04
73.26
P/B 2.00
CRMT's P/B is ranked higher than
62% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 2.05 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 0.93
CRMT's P/S is ranked higher than
59% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.84 vs. CRMT: 0.93 )
CRMT' s 10-Year P/S Range
Min: 0.3   Max: 1.62
Current: 0.93

0.3
1.62
PFCF 26.70
CRMT's PFCF is ranked higher than
78% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.00 vs. CRMT: 26.70 )
CRMT' s 10-Year PFCF Range
Min: 9.84   Max: 437
Current: 26.7

9.84
437
POCF 21.13
CRMT's POCF is ranked higher than
64% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 13.86 vs. CRMT: 21.13 )
CRMT' s 10-Year POCF Range
Min: 8.14   Max: 307.84
Current: 21.13

8.14
307.84
EV-to-EBIT 11.52
CRMT's EV-to-EBIT is ranked higher than
83% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 18.72 vs. CRMT: 11.52 )
CRMT' s 10-Year EV-to-EBIT Range
Min: 2.9   Max: 24.2
Current: 11.52

2.9
24.2
PEG 1.58
CRMT's PEG is ranked higher than
87% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.00 vs. CRMT: 1.58 )
CRMT' s 10-Year PEG Range
Min: 0.23   Max: 16.88
Current: 1.58

0.23
16.88
Shiller P/E 18.40
CRMT's Shiller P/E is ranked higher than
86% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 595.20 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
96% of the 1577 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.47 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
97% of the 1577 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.06 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
78% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 60.72 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 higher than
52% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 67.79 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
97% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.00 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 higher than
69% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 2.60 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 higher than
82% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.00 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
82% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.40 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 higher than
79% of the 1964 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 2.20 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) 8.70
CRMT's Earnings Yield (Greenblatt) is ranked higher than
79% of the 1771 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 6.00 vs. CRMT: 8.70 )
CRMT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 34.8
Current: 8.7

4.1
34.8
Forward Rate of Return (Yacktman) 5.29
CRMT's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 1028 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 6.50 vs. CRMT: 5.29 )
CRMT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.1   Max: 45.1
Current: 5.29

-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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