CRMT (America's Car-Mart) Moat Score: 5/10 (As of Jul. 14, 2026)

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CRMT America's Car-Mart Inc CRMT
53 GF Score
Price $4.28
GF Value $43.40
Valuation Significantly Undervalued
! 9 Warning Signs
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What is America's Car-Mart Moat Score?

America's Car-Mart CRMT +40.79% 53 Moat Score is 5 as of Jul. 14, 2026. GuruFocus rates CRMT with a GF Score™ of 53/100 and a GF Value™ of $43.40 (Significantly Undervalued). The stock has 9 warning signs investors should review. Among 1,313 Vehicles & Parts companies, America's Car-Mart ranks better than 94.52% on this metric.

America's Car-Mart has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

America's Car-Mart has Narrow Moat: America's Car-Mart Inc has a solid narrow moat due to its regional market presence and customer loyalty in the used car market. However, it faces competition from larger players and lacks significant economies of scale or brand strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes America's Car-Mart might have Narrow Moat - Solid narrow moat.

America's Car-Mart  (NAS:CRMT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

America's Car-Mart Moat Score Related Terms

CRMT vs UCAR, KXIN, AZI: Moat Score Comparison

For the Auto & Truck Dealerships subindustry, America's Car-Mart's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Vehicles & Parts Industry

For the Vehicles & Parts industry and Consumer Cyclical sector, America's Car-Mart's Moat Score distribution charts can be found below:

* The bar in red indicates where America's Car-Mart's Moat Score falls into.


CRMT
53GF Score
America's Car-Mart Inc CRMT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
America's Car-Mart (CRMT) has a Moat Score of 5 as of Jul. 14, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, America's Car-Mart ranks #72 out of 1313 companies in the Vehicles & Parts industry, placing it in the top 5.5%.
Is America's Car-Mart's Moat Score too high?
America's Car-Mart's current Moat Score is 5. Based on the distribution chart, America's Car-Mart ranks #72 out of 1313 companies in the Vehicles & Parts industry, which is in the top quartile — a strong position 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 Moat Score compare to UCAR and KXIN?
According to the Vehicles & Parts industry distribution chart, America's Car-Mart ranks #72 out of 1313 companies for Moat Score. This places America's Car-Mart in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Vehicles & Parts company?
A good Moat Score depends on the Vehicles & Parts industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. America's Car-Mart's current Moat Score is 5. 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 $43.40, compared to a current price of $4.28 — trading 90.1% below its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For America's Car-Mart (CRMT), the current Moat Score is 5 as of Jul. 14, 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 $4.28 is trading 90.1% below its estimated GF Value™ of $43.40. GuruFocus considers America's Car-Mart to be Significantly Undervalued.

Key valuation signals for CRMT:

  • Moat Score: 5
  • GF Value™: $43.40 vs. price of $4.28 (90.1% 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.28
Price
$43.40
GF Value