CRMT (America's Car-Mart) LT-Debt-to-Total-Asset: 0.55 (As of Apr. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CRMT America's Car-Mart Inc CRMT
53 GF Score
Price $4.32
GF Value $43.41
Valuation Significantly Undervalued
! 9 Warning Signs
View Full Analysis

What is America's Car-Mart LT-Debt-to-Total-Asset?

America's Car-Mart CRMT +0.23% 53 LT-Debt-to-Total-Asset is 0.55 as of Apr. 2026. GuruFocus rates CRMT with a GF Score™ of 53/100 and a GF Value™ of $43.41 (Significantly Undervalued). The stock has 9 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. America's Car-Mart's long-term debt to total assests ratio for the quarter that ended in Apr. 2026 was 0.55.

America's Car-Mart's long-term debt to total assets ratio increased from Apr. 2025 (0.40) to Apr. 2026 (0.55). It may suggest that America's Car-Mart is progressively becoming more dependent on debt to grow their business.

America's Car-Mart  (NAS:CRMT) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

America's Car-Mart LT-Debt-to-Total-Asset Related Terms

America's Car-Mart LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for America's Car-Mart's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

America's Car-Mart Annual Data
Trend Apr17 Apr18 Apr19 Apr20 Apr21 Apr22 Apr23 Apr24 Apr25 Apr26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.40 0.38 0.42 0.40 0.55

America's Car-Mart Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.40 0.42 0.41 0.42 0.55
CRMT
53GF Score
America's Car-Mart Inc CRMT
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

America's Car-Mart LT-Debt-to-Total-Asset Calculation

America's Car-Mart's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Apr. 2026 is calculated as

LT Debt to Total Assets (A: Apr. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Apr. 2026 )/Total Assets (A: Apr. 2026 )
=772.199/1416.84
=0.55

America's Car-Mart's Long-Term Debt to Total Asset Ratio for the quarter that ended in Apr. 2026 is calculated as

LT Debt to Total Assets (Q: Apr. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Apr. 2026 )/Total Assets (Q: Apr. 2026 )
=772.199/1416.84
=0.55

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.55 mean?
America's Car-Mart (CRMT) has a LT-Debt-to-Total-Asset of 0.55 as of Apr. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on America's Car-Mart and its competitors.
Is America's Car-Mart's LT-Debt-to-Total-Asset too high?
America's Car-Mart's current LT-Debt-to-Total-Asset is 0.55. 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 LT-Debt-to-Total-Asset compare to UCAR and KXIN?
America's Car-Mart's LT-Debt-to-Total-Asset of 0.55 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 LT-Debt-to-Total-Asset for a Vehicles & Parts company?
A good LT-Debt-to-Total-Asset depends on the Vehicles & Parts industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on America's Car-Mart and its competitors. America's Car-Mart's current LT-Debt-to-Total-Asset is 0.55. 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 $43.41, compared to a current price of $4.32 — trading 90% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.55. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For America's Car-Mart (CRMT), the current LT-Debt-to-Total-Asset is 0.55 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 $4.32 is trading 90% below its estimated GF Value™ of $43.41. GuruFocus considers America's Car-Mart to be Significantly Undervalued.

Key valuation signals for CRMT:

  • LT-Debt-to-Total-Asset: 0.55
  • GF Value™: $43.41 vs. price of $4.32 (90% below fair value)
  • GF Score™: 53/100 with 9 warning signs

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 Business Description

Address 1805 North 2nd Street, Suite 401, Rogers, AR, USA, 72756
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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.32
Price
$43.41
GF Value