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America's Car-Mart (NAS:CRMT) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
America's Car-Mart Effective Interest Rate on Debt % Related Terms
America's Car-Mart Effective Interest Rate on Debt % Historical Data
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The historical data trend for America's Car-Mart's Effective Interest Rate on Debt % 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.
America's Car-Mart Effective Interest Rate on Debt % Chart
CRMT vs UCAR, KXIN, AZI: Effective Interest Rate on Debt % Comparison
For the Auto & Truck Dealerships subindustry, America's Car-Mart's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, America's Car-Mart's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where America's Car-Mart's Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Apr. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 9.28% mean?
America's Car-Mart (CRMT) has a Effective Interest Rate on Debt % of 9.28% as of Apr. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on America's Car-Mart and its competitors.
Is America's Car-Mart's Effective Interest Rate on Debt % too high?
America's Car-Mart's current Effective Interest Rate on Debt % is 9.28%. Overall, America's Car-Mart has a GF Score™ of 47/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does America's Car-Mart's Effective Interest Rate on Debt % compare to UCAR and KXIN?
America's Car-Mart's Effective Interest Rate on Debt % of 9.28% can be compared against companies in the Vehicles & Parts industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Vehicles & Parts company?
A good Effective Interest Rate on Debt % depends on the Vehicles & Parts industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on America's Car-Mart and its competitors. America's Car-Mart's current Effective Interest Rate on Debt % is 9.28%. 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 $37.39, compared to a current price of $2.53 — trading 93.2% below its estimated fair value. The current Effective Interest Rate on Debt % is 9.28%. America's Car-Mart's overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For America's Car-Mart (CRMT), the current Effective Interest Rate on Debt % is 9.28% as of Apr. 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 $2.53 is trading 93.2% below its estimated GF Value™ of $37.39.
GuruFocus considers America's Car-Mart to be Significantly Undervalued.
Key valuation signals for CRMT:
Effective Interest Rate on Debt %: 9.28%
GF Value™: $37.39 vs. price of $2.53 (93.2% below fair value)
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.
47GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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