America's Car-MartCRMT 53 Interest Coverage is 0 (At Loss) as of Jan. 2026. GuruFocus rates CRMT with a GF Score™ of 53/100 and a GF Value™ of $43.31 (Significantly Undervalued). The stock has 9 warning signs investors should review. Among 1,067 Vehicles & Parts companies, America's Car-Mart ranks worse than 98.59% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. America's Car-Mart's
Operating Income
for the
three
months ended in Jan. 2026 was $-15 Mil. America's Car-Mart's Interest Expense for the
three
months ended in Jan. 2026 was $-22 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for America's Car-Mart's Interest Coverage or its related term are showing as below:
CRMT'
s Interest Coverage Range Over the Past 10 Years
Min: 0.25 Med: 8.27 Max: 20.84
Current: 0.25
CRMT's Interest Coverage is ranked worse than 98.59% of 1067
companies
in the Vehicles & Parts industry
Industry Median: 8.31
vs CRMT: 0.25
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
America's Car-Mart Interest Coverage Related Terms
America's Car-Mart Interest Coverage Historical Data
* Premium members only.
The historical data trend for America's Car-Mart's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
CRMT vs UCAR, KXIN, AZI: Interest Coverage Comparison
For the Auto & Truck Dealerships subindustry, America's Car-Mart's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, America's Car-Mart's Interest Coverage distribution charts can be found below:
* The bar in red indicates where America's Car-Mart's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
America's Car-Mart did not have earnings to cover the interest expense.
* 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.
What does a Interest Coverage of 0 (At Loss) mean?
America's Car-Mart (CRMT) has a Interest Coverage of 0 (At Loss) as of Jan. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on America's Car-Mart and its competitors. Over the past decade, America's Car-Mart's Interest Coverage has ranged from 0.25 to 20.84. According to the industry distribution chart, America's Car-Mart ranks #1052 out of 1067 companies in the Vehicles & Parts industry, placing it in the top 98.6%.
Is America's Car-Mart's Interest Coverage too high?
America's Car-Mart's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 20.84. Based on the distribution chart, America's Car-Mart ranks #1052 out of 1067 companies in the Vehicles & Parts industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to UCAR and KXIN?
According to the Vehicles & Parts industry distribution chart, America's Car-Mart ranks #1052 out of 1067 companies for Interest Coverage. This places America's Car-Mart in the lower half of its industry. The industry median Interest Coverage is 8.31. Historically, America's Car-Mart's own Interest Coverage has ranged from 0.25 to 20.84 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Vehicles & Parts company?
The median Interest Coverage among Vehicles & Parts companies is 8.31, based on 1,067 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on America's Car-Mart and its competitors. For the Vehicles & Parts industry, the median Interest Coverage is 8.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. America's Car-Mart's current Interest Coverage is 0 (At Loss). 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 $43.31, compared to a current price of $2.79 — trading 93.6% below its estimated fair value. The current Interest Coverage is 0 (At Loss). 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For America's Car-Mart (CRMT), the current Interest Coverage is 0 (At Loss) 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 $2.79 is trading 93.6% below its estimated GF Value™ of $43.31.
GuruFocus considers America's Car-Mart to be Significantly Undervalued.
Key valuation signals for CRMT:
Interest Coverage: 0 (At Loss)
GF Value™: $43.31 vs. price of $2.79 (93.6% 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.
53GF Score
Get the complete analysis for CRMT
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