America's Car-Mart's Days Sales Outstanding for the
three
months ended in Jan. 2026 was 363.59.
America's Car-Mart's Days Inventory for the
three
months ended in Jan. 2026 was 65.77.
America's Car-Mart's Days Payable for the
three
months ended in Jan. 2026 was 20.62.
Therefore, America's Car-Mart's Cash Conversion Cycle (CCC) for the
three
months ended in Jan. 2026 was 408.74.
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
America's Car-Mart Cash Conversion Cycle Related Terms
America's Car-Mart Cash Conversion Cycle Historical Data
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The historical data trend for America's Car-Mart's Cash Conversion Cycle can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CRMT vs UCAR, KXIN, AZI: Cash Conversion Cycle Comparison
For the Auto & Truck Dealerships subindustry, America's Car-Mart's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
America's Car-Mart Cash Conversion Cycle vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, America's Car-Mart's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where America's Car-Mart's Cash Conversion Cycle falls into.
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
America's Car-Mart's Cash Conversion Cycle for the fiscal year that ended in Apr. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
America's Car-Mart (CRMT) has a Cash Conversion Cycle of 408.74 as of Jan. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on America's Car-Mart and its competitors.
Is America's Car-Mart's Cash Conversion Cycle too high?
America's Car-Mart's current Cash Conversion Cycle is 408.74. The Vehicles & Parts industry median Cash Conversion Cycle is 67.26. America's Car-Mart's value of 408.74 is 507.7% above this industry median. Overall, America's Car-Mart has a GF Score™ of 53/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does America's Car-Mart's Cash Conversion Cycle compare to UCAR and KXIN?
America's Car-Mart's Cash Conversion Cycle of 408.74 can be compared against companies in the Vehicles & Parts industry. The industry median Cash Conversion Cycle is 67.26. America's Car-Mart's value of 408.74 is 507.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Vehicles & Parts company?
The median Cash Conversion Cycle among Vehicles & Parts companies is 67.26, based on 1,323 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. America's Car-Mart's current Cash Conversion Cycle of 408.74 is 507.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on America's Car-Mart and its competitors. For the Vehicles & Parts industry, the median Cash Conversion Cycle is 67.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. America's Car-Mart's current Cash Conversion Cycle is 408.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is America's Car-Mart stock overvalued right now?
Based on GuruFocus' analysis, America's Car-Mart (CRMT) is currently considered Significantly Undervalued. The stock's GF Value™ is $43.36, compared to a current price of $3.28 — trading 92.4% below its estimated fair value. The current Cash Conversion Cycle is 408.74 and 507.7% above the Vehicles & Parts industry median of 67.26. America's Car-Mart's overall GF Score™ is 53/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For America's Car-Mart (CRMT), the current Cash Conversion Cycle is 408.74 as of Jan. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is America's Car-Mart (CRMT) Overvalued in 2026?
Based on GuruFocus' analysis, America's Car-Mart stock appears to be undervalued.
The current stock price of $3.28 is trading 92.4% below its estimated GF Value™ of $43.36.
GuruFocus considers America's Car-Mart to be Significantly Undervalued.
Key valuation signals for CRMT:
Cash Conversion Cycle: 408.74
GF Value™: $43.36 vs. price of $3.28 (92.4% below fair value)
Industry Position: 507.7% above the Vehicles & Parts median
No single metric tells the full story. See the CRMT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
America's Car-Mart Inc is an automotive retailer in the U.S. focused exclusively on the Integrated Auto Sales and Finance segment of the used car market. The company's operations are principally conducted through its two operating subsidiaries, America's Car Mart Inc and Colonial Auto Finance. It predominantly sells older model used vehicles and provides financing for substantially all of its customers. It earns revenue from the sale of used vehicles and, in the majority of cases, a related service contract and an accident protection plan product, as well as interest income and late fees from the related financing.
53GF Score
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