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Also traded in: Germany

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
Equity-to-Asset 0.55
NAS:CRMT's Equity-to-Asset is ranked higher than
62% of the 1258 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.49 vs. NAS:CRMT: 0.55 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:CRMT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.17  Med: 0.61 Max: 0.94
Current: 0.55
0.17
0.94
Interest Coverage 9.22
NAS:CRMT's Interest Coverage is ranked lower than
63% of the 1120 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 17.77 vs. NAS:CRMT: 9.22 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CRMT' s Interest Coverage Range Over the Past 10 Years
Min: 6.71  Med: 14.74 Max: 24.14
Current: 9.22
6.71
24.14
Piotroski F-Score: 7
Altman Z-Score: 4.54
Beneish M-Score: -1.58
WACC vs ROIC
7.11%
6.69%
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 : 8/10

vs
industry
vs
history
Operating Margin % 6.38
NAS:CRMT's Operating Margin % is ranked higher than
56% of the 1283 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 5.47 vs. NAS:CRMT: 6.38 )
Ranked among companies with meaningful Operating Margin % only.
NAS:CRMT' s Operating Margin % Range Over the Past 10 Years
Min: 3.9  Med: 9.56 Max: 13.17
Current: 6.38
3.9
13.17
Net Margin % 3.44
NAS:CRMT's Net Margin % is ranked lower than
54% of the 1283 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 3.99 vs. NAS:CRMT: 3.44 )
Ranked among companies with meaningful Net Margin % only.
NAS:CRMT' s Net Margin % Range Over the Past 10 Years
Min: 2.04  Med: 5.78 Max: 7.92
Current: 3.44
2.04
7.92
ROE % 8.66
NAS:CRMT's ROE % is ranked lower than
51% of the 1257 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 8.96 vs. NAS:CRMT: 8.66 )
Ranked among companies with meaningful ROE % only.
NAS:CRMT' s ROE % Range Over the Past 10 Years
Min: 5.05  Med: 12.75 Max: 17.75
Current: 8.66
5.05
17.75
ROA % 4.75
NAS:CRMT's ROA % is ranked higher than
56% of the 1296 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 4.04 vs. NAS:CRMT: 4.75 )
Ranked among companies with meaningful ROA % only.
NAS:CRMT' s ROA % Range Over the Past 10 Years
Min: 2.88  Med: 8.29 Max: 11.4
Current: 4.75
2.88
11.4
ROC (Joel Greenblatt) % 10.33
NAS:CRMT's ROC (Joel Greenblatt) % is ranked lower than
62% of the 1291 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 14.28 vs. NAS:CRMT: 10.33 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
NAS:CRMT' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 6.52  Med: 16.29 Max: 22.17
Current: 10.33
6.52
22.17
3-Year Revenue Growth Rate 11.60
NAS:CRMT's 3-Year Revenue Growth Rate is ranked higher than
80% of the 1138 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 3.40 vs. NAS:CRMT: 11.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:CRMT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -85  Med: 11.5 Max: 1279.9
Current: 11.6
-85
1279.9
3-Year EBITDA Growth Rate 5.60
NAS:CRMT's 3-Year EBITDA Growth Rate is ranked lower than
55% of the 1056 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 7.20 vs. NAS:CRMT: 5.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:CRMT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -37.8  Med: 6.5 Max: 102.6
Current: 5.6
-37.8
102.6
3-Year EPS without NRI Growth Rate 3.40
NAS:CRMT's 3-Year EPS without NRI Growth Rate is ranked lower than
56% of the 951 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 7.50 vs. NAS:CRMT: 3.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:CRMT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -38.9  Med: 7.1 Max: 183.2
Current: 3.4
-38.9
183.2
GuruFocus has detected 3 Warning Signs with America's Car-Mart Inc $NAS:CRMT.
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» NAS:CRMT's 30-Y Financials

Financials (Next Earnings Date: 2017-08-22 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Autos » Auto & Truck Dealerships    NAICS: 441120    SIC: 5521
Compare:OTCPK:AOCIF, OTCPK:ACCA, NAS:CALI, OTCPK:ETFM, NYSE:SAH, NYSE:ABG, NYSE:GPI, NAS:RUSHB, NYSE:LAD, OTCPK:IHLDY, OTCPK:SIEVF, OTCPK:LZRFY, NYSE:PAG, NYSE:AN, OTCPK:INCPY, NAS:CPRT, NYSE:KMX » details
Traded in other countries:HC9.Germany,
Headquarter Location:USA
America's Car-Mart Inc is an automotive retailing company. It sells older model used vehicles & provides financing for customers.

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.

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Ratios

vs
industry
vs
history
PE Ratio 14.94
CRMT's PE Ratio is ranked higher than
60% of the 1049 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 17.55 vs. CRMT: 14.94 )
Ranked among companies with meaningful PE Ratio only.
CRMT' s PE Ratio Range Over the Past 10 Years
Min: 5.04  Med: 13.55 Max: 73.26
Current: 14.94
5.04
73.26
PE Ratio without NRI 14.94
CRMT's PE Ratio without NRI is ranked higher than
60% of the 1048 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 17.70 vs. CRMT: 14.94 )
Ranked among companies with meaningful PE Ratio without NRI only.
CRMT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.04  Med: 13.55 Max: 73.26
Current: 14.94
5.04
73.26
PB Ratio 1.22
CRMT's PB Ratio is ranked higher than
63% of the 1237 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.68 vs. CRMT: 1.22 )
Ranked among companies with meaningful PB Ratio only.
CRMT' s PB Ratio Range Over the Past 10 Years
Min: 0.63  Med: 1.52 Max: 2.43
Current: 1.22
0.63
2.43
PS Ratio 0.52
CRMT's PS Ratio is ranked higher than
68% of the 1254 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 0.85 vs. CRMT: 0.52 )
Ranked among companies with meaningful PS Ratio only.
CRMT' s PS Ratio Range Over the Past 10 Years
Min: 0.3  Med: 0.77 Max: 1.15
Current: 0.52
0.3
1.15
Price-to-Free-Cash-Flow 49.40
CRMT's Price-to-Free-Cash-Flow is ranked lower than
88% of the 443 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 15.47 vs. CRMT: 49.40 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CRMT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 9.77  Med: 42.67 Max: 406.51
Current: 49.4
9.77
406.51
Price-to-Operating-Cash-Flow 39.32
CRMT's Price-to-Operating-Cash-Flow is ranked lower than
94% of the 596 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 9.05 vs. CRMT: 39.32 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CRMT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 8.11  Med: 27.22 Max: 179.59
Current: 39.32
8.11
179.59
EV-to-EBIT 11.04
CRMT's EV-to-EBIT is ranked higher than
63% of the 1094 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 13.83 vs. CRMT: 11.04 )
Ranked among companies with meaningful EV-to-EBIT only.
CRMT' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.1  Med: 9.7 Max: 32.8
Current: 11.04
4.1
32.8
EV-to-EBITDA 9.88
CRMT's EV-to-EBITDA is ranked higher than
52% of the 1139 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 10.21 vs. CRMT: 9.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
CRMT' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.9  Med: 9.2 Max: 28
Current: 9.88
3.9
28
Shiller PE Ratio 14.80
CRMT's Shiller PE Ratio is ranked higher than
71% of the 301 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 23.86 vs. CRMT: 14.80 )
Ranked among companies with meaningful Shiller PE Ratio only.
CRMT' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.69  Med: 19.43 Max: 27.26
Current: 14.8
7.69
27.26
Current Ratio 5.40
CRMT's Current Ratio is ranked higher than
97% of the 1249 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.52 vs. CRMT: 5.40 )
Ranked among companies with meaningful Current Ratio only.
CRMT' s Current Ratio Range Over the Past 10 Years
Min: 0.08  Med: 7.5 Max: 53.75
Current: 5.4
0.08
53.75
Quick Ratio 4.99
CRMT's Quick Ratio is ranked higher than
98% of the 1249 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.08 vs. CRMT: 4.99 )
Ranked among companies with meaningful Quick Ratio only.
CRMT' s Quick Ratio Range Over the Past 10 Years
Min: 0.08  Med: 7 Max: 53.75
Current: 4.99
0.08
53.75
Days Inventory 37.96
CRMT's Days Inventory is ranked higher than
72% of the 1239 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 56.79 vs. CRMT: 37.96 )
Ranked among companies with meaningful Days Inventory only.
CRMT' s Days Inventory Range Over the Past 10 Years
Min: 34.01  Med: 39.67 Max: 45.87
Current: 37.96
34.01
45.87
Days Sales Outstanding 223.10
CRMT's Days Sales Outstanding is ranked lower than
98% of the 1045 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 62.72 vs. CRMT: 223.10 )
Ranked among companies with meaningful Days Sales Outstanding only.
CRMT' s Days Sales Outstanding Range Over the Past 10 Years
Min: 215.49  Med: 222.49 Max: 229.54
Current: 223.1
215.49
229.54
Days Payable 13.44
CRMT's Days Payable is ranked lower than
92% of the 992 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 59.03 vs. CRMT: 13.44 )
Ranked among companies with meaningful Days Payable only.
CRMT' s Days Payable Range Over the Past 10 Years
Min: 9.21  Med: 12.93 Max: 14.77
Current: 13.44
9.21
14.77

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 4.50
CRMT's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 612 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: -1.90 vs. CRMT: 4.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CRMT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -47.4  Med: 2.4 Max: 12.5
Current: 4.5
-47.4
12.5

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 1.40
CRMT's Price-to-Net-Current-Asset-Value is ranked higher than
91% of the 602 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 6.20 vs. CRMT: 1.40 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
CRMT' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 0.83  Med: 2.07 Max: 6.71
Current: 1.4
0.83
6.71
Price-to-Tangible-Book 1.22
CRMT's Price-to-Tangible-Book is ranked higher than
65% of the 1193 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.88 vs. CRMT: 1.22 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CRMT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.38  Med: 1.56 Max: 6.7
Current: 1.22
0.38
6.7
Price-to-Intrinsic-Value-Projected-FCF 1.17
CRMT's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
56% of the 650 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.32 vs. CRMT: 1.17 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CRMT' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 1.68 Max: 4.45
Current: 1.17
0.32
4.45
Price-to-Median-PS-Value 0.67
CRMT's Price-to-Median-PS-Value is ranked higher than
92% of the 1195 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.22 vs. CRMT: 0.67 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CRMT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.15  Med: 1.01 Max: 252
Current: 0.67
0.15
252
Price-to-Graham-Number 0.90
CRMT's Price-to-Graham-Number is ranked higher than
67% of the 948 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 1.29 vs. CRMT: 0.90 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CRMT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.11  Med: 0.9 Max: 2.83
Current: 0.9
0.11
2.83
Earnings Yield (Greenblatt) % 9.06
CRMT's Earnings Yield (Greenblatt) % is ranked higher than
68% of the 1293 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 6.15 vs. CRMT: 9.06 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CRMT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3  Med: 10.3 Max: 24.5
Current: 9.06
3
24.5
Forward Rate of Return (Yacktman) % -4.50
CRMT's Forward Rate of Return (Yacktman) % is ranked lower than
77% of the 784 Companies
in the Global Auto & Truck Dealerships industry.

( Industry Median: 8.34 vs. CRMT: -4.50 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CRMT' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -12.9  Med: 10.65 Max: 42.5
Current: -4.5
-12.9
42.5

More Statistics

Revenue (TTM) (Mil) $587.75
EPS (TTM) $ 2.50
Beta1.15
Short Percentage of Float25.23%
52-Week Range $24.83 - 47.75
Shares Outstanding (Mil)7.57
» More Articles for CRMT

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More From Other Websites
Edited Transcript of CRMT earnings conference call or presentation 23-May-17 3:00pm GMT Jun 23 2017
ETFs with exposure to America’s Car-Mart, Inc. : June 19, 2017 Jun 19 2017
America’s Car-Mart, Inc. :CRMT-US: Earnings Analysis: Q4, 2017 By the Numbers : June 15, 2017 Jun 15 2017
Is America's Car-Mart (CRMT) a Great Stock for Value Investors? Jun 12 2017
Earnings Highlights and Review: America's Car-Mart Earnings Surged 65% Jun 09 2017
America's Car-Mart Announces Board Nomination Jun 05 2017
America's Car-Mart beats 4Q profit forecasts May 22 2017
America's Car-Mart Reports Diluted Earnings per Share of $.66 (including a $.06 charge for lot... May 22 2017
ETFs with exposure to America’s Car-Mart, Inc. : May 22, 2017 May 22 2017
America’s Car-Mart, Inc. Schedules Release of Fourth Quarter and Full Year 2017 Results and... May 03 2017
Which Is A Better Investment: Automakers, Auto Suppliers Or Car Parts/Service Providers? Apr 29 2017
ETFs with exposure to America’s Car-Mart, Inc. : April 21, 2017 Apr 21 2017
New Strong Sell Stocks for March 16th Mar 16 2017
America’s Car-Mart, Inc. :CRMT-US: Earnings Analysis: Q3, 2017 By the Numbers : February 28, 2017 Feb 28 2017
Edited Transcript of CRMT earnings conference call or presentation 21-Feb-17 4:00pm GMT Feb 21 2017
America's Car-Mart misses 3Q profit forecasts Feb 21 2017
When Historical Price Multiples Don't Matter Anymore Feb 20 2017

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