AMERICAS CARMART INC

CRMT

AMERICAS CARMART INC

CRMT

Insider Sentiment (TTM):

Last Purchase:2025-12-11Last Sale:2026-04-27Shares Purchased (TTM):197Shares Sold (TTM):8,000

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:6,538,344Shares Outstanding:8,289,319Institutional Ownership Pct.:78.88%

Earnings Market Reaction:

Filing Date:2026-07-14Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-04-30	2026-01-31	2025-10-31	2025-07-31	2025-04-30	2025-01-31	2024-10-31	2024-07-31	2024-04-30	2024-01-31	2023-10-31	2023-07-31
Payment Protection Plan	45	-3	-1	51	51	50	-	-	52	-	-	-
Service Contract	51	-6	-2	61	62	57	-	-	69	-	-	-
Assets
Cash And Cash Equivalents At Carrying Value	47	118	122	10	10	9	8	5	6	4	4	6
Restricted Cash	85	119	129	112	115	118	122	94	89	90	90	86
Interest Receivable	8	7	8	8	7	7	8	8	7	7	7	7
Notes Receivable Net	1,079	1,115	1,172	1,183	1,181	1,146	1,133	1,126	1,099	1,086	1,105	1,127
Inventory Net	54	101	105	112	112	144	122	115	107	109	114	117
Income Taxes Receivable	-	4	8	1	-	-	0	1	3	1	3	5
Income Tax Receivable	4	-	-	-	0	0	-	-	3	-	-	-
Prepaid Expense And Other Assets	31	36	37	39	38	38	35	33	31	31	30	22
Operating Lease Right Of Use Asset	43	55	62	64	64	64	66	68	61	63	61	62
Goodwill Gross	23	23	24	24	23	23	23	23	14	15	12	12
Property Plant And Equipment Net	43	49	53	55	57	58	59	60	60	61	60	61
Assets	1,417	1,627	1,718	1,608	1,606	1,607	1,575	1,531	1,478	1,467	1,487	1,505
Liabilities And Stockhold…
Liabilities
Accounts Payable Current And Noncurrent	32	19	46	34	35	33	34	36	21	26	22	32
Accrued Liabilities Current And Noncurrent	36	39	37	47	36	36	34	33	28	27	28	30
Accrued Income Taxes	0	0	0	0	1	1	2	-	0	-	-	-
Deferred Income Tax Liabilities Net	34	37	8	8	7	9	12	17	18	20	25	36
Operating Lease Liability	50	60	66	67	67	68	69	71	64	66	64	65
Notes Payable	-	-	-	611	572	722	656	597	554	685	579	712
Other Notes Payable	459	628	635	-	572	-	-	-	-	-	-	-
Senior Notes	264	264	262	-	0	-	-	-	-	-	-	-
Liabilities	971	1,147	1,162	1,043	1,037	1,049	1,021	1,060	1,006	998	1,010	1,000
Commitments And Contingencies	-	-	-	-	0	-	-	-	0	-	-	-
Temporary Equity
Temporary Equity Carrying Amount Attributable To P…	0	0	0	0	0	0	0	0	0	0	0	0
Equity
Treasury Stock Value	-	-	-	-	-	-	-298	-298	-298	-298	-297	-297
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	211	210	209	196	195	194	193	115	114	113	111	112
Retained Earnings Accumulated Deficit	533	567	644	667	672	662	658	653	654	654	663	690
Treasury Stock Common Value	-299	-299	-298	298	-298	-298	-	-	-298	-	-	-
Stockholders Equity	446	479	555	565	570	558	554	471	471	469	477	505
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0
Liabilities And Stockholders Equity	1,417	1,627	1,718	1,608	1,606	1,607	1,575	1,531	1,478	1,467	1,487	1,505
Financing Receivable Allowance For Credit Losses	330	348	339	326	323	333	337	334	331	-	-	-
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	-	0.01	0.01
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	-	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	-	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	-	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	50	50	50	50	50	50	50	50	50	50	50	50
Common Stock Shares Issued	16	16	16	16	16	16	16	14	14	14	14	14
Shares Outstanding	8	8	8	8	8	8	8	6	6	6	6	6
Treasury Stock Common Shares	7	7	7	7	7	7	7	7	7	7	7	7

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-18.75%	-40.93%	-42.50%	-11.77%	-6.57%	-27.50%	-18.18%	-16.60%	-19.36%	-24.53%	-	-
2025	-12.83%	-13.93%	9.27%	-14.34%	-15.26%	-27.15%	-1.91%	8.31%	11.82%	4.35%	-29.51%	-40.66%
2024	-4.01%	-32.06%	-17.16%	25.07%	2.77%	6.36%	-10.25%	-10.29%	-8.36%	-13.78%	-23.43%	-37.93%
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Performance and Valuation Metrics

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Metrics	2026-04-30	2026-01-31	2025-10-31	2025-07-31	2025-04-30	2025-01-31	2024-10-31	2024-07-31	2024-04-30	2024-01-31	2023-10-31	2023-07-31
Leverage & Debt
Interest Coverage TTM	-	-	-	1.92	1.63	1.20	0.95	0.33	0.39	0.36	0.51	1.29
Per Share Metrics
Diluted EPS TTM	-16.78	-11.37	-1.75	1.58	2.33	0.92	-0.48	-5.71	-4.91	-4.66	-3.09	1.64
Free Cash Flow Per Share TTM	7.62	1.70	-1.35	-5.21	-7.00	-10.06	-5.07	-7.70	-12.53	-12.97	-19.88	-21.51
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.01	0.01	0.01	0.01	0.01
Margin Metrics
Gross Profit Margin TTM	35.40%	40.18%	40.01%	40.47%	36.66%	28.95%	32.41%	34.74%	34.65%	44.41%	43.76%	42.79%
Operating Profit Margin TTM	-10.51%	-5.10%	-1.50%	1.38%	1.99%	-1.89%	-3.22%	-3.63%	-3.46%	-0.74%	0.00%	0.00%
Net Profit Margin TTM	-13.53%	-8.13%	-1.20%	1.09%	1.56%	0.75%	-0.37%	-3.21%	-2.70%	-2.13%	-1.38%	0.77%
Growth Metrics
Net Revenue Growth (1Y)	-10.33%	12.88%	12.89%	5.50%	-1.26%	-26.52%	-25.31%	-19.67%	-17.11%	16.33%	26.58%	33.88%
Net Income Growth (1Y)	-877.50%	-1,319.79%	263.25%	-135.88%	-156.99%	-125.97%	-79.80%	-435.53%	-253.95%	-164.95%	-131.06%	-86.99%
EPS Growth (1Y)	-805.79%	-1,313.79%	257.32%	-127.74%	-148.39%	-120.11%	-84.17%	-434.74%	-253.53%	-164.72%	-130.98%	-87.01%
Valuation Metrics
P/E TTM	-0.73	-2.26	-12.74	28.43	19.94	51.99	-79.90	-12.12	-11.65	-13.08	-21.70	69.80
P/B TTM	0.23	0.45	0.33	0.66	0.63	0.72	0.57	0.94	0.78	0.83	0.90	1.51
P/S TTM	0.10	0.18	0.15	0.31	0.31	0.39	0.30	0.39	0.32	0.28	0.30	0.54
Market Cap	101.21M	213.41M	184.22M	372.66M	356.82M	402.02M	318.10M	442.98M	365.68M	389.27M	427.75M	760.19M
Enterprise Value	317.93M	359.34M	323.77M	973.75M	919.03M	1.12B	966.50M	1.04B	913.79M	1.07B	1.00B	1.47B
Calculated Values
Free Cash Flow TTM	63.15M	14.12M	-11.21M	-43.07M	-52.65M	-83.08M	-41.31M	-49.22M	-80.04M	-82.91M	-126.93M	-137.29M
Net Debt	216.72M	145.93M	139.55M	601.08M	562.20M	713.71M	648.41M	592.75M	548.11M	680.45M	574.72M	705.48M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-04-27Sale

Owner: Magnolia, Group, Llc, Pet…

Title: -

Shares: 8,000

Price/Share: $12.59

Value: $100,720.00

Shares Owned: 1,119,875

Relationship: TenPercentOwner

Ownership: Direct

2025-12-11Purchase

Owner: Collins, Jonathan M.

Title: Chief Financial Officer

Shares: 197

Price/Share: $25.27

Value: $4,978.19

Shares Owned: 6,444

Relationship: Officer

Ownership: Direct

2025-06-17Purchase

Owner: Collins, Jonathan M.

Title: Chief Financial Officer

Shares: 102

Price/Share: $49.30

Value: $5,028.60

Shares Owned: 6,247

Relationship: Officer

Ownership: Direct

2025-06-11Sale

Owner: Magnolia, Group, Llc, Pet…

Title: -

Shares: 88,000

Price/Share: $56.92

Value: $5,008,960.00

Shares Owned: 1,428,094

Relationship: TenPercentOwner

Ownership: Direct

2025-03-11Purchase

Owner: Buba, Jonathan Z

Title: -

Shares: 25,000

Price/Share: $43.42

Value: $1,085,500.00

Shares Owned: 644,686

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-04-27	Magnolia, Group, Llc, Pet…	TenPercentOwner	-	Direct	Sale	8,000	12.59	$100,720.00	1,119,875	4
2025-12-11	Collins, Jonathan M.	Officer	Chief Financial Officer	Direct	Purchase	197	25.27	$4,978.19	6,444	4
2025-06-17	Collins, Jonathan M.	Officer	Chief Financial Officer	Direct	Purchase	102	49.30	$5,028.60	6,247	4
2025-06-11	Magnolia, Group, Llc, Pet…	TenPercentOwner	-	Direct	Sale	88,000	56.92	$5,008,960.00	1,428,094	4
2025-03-11	Buba, Jonathan Z	Director	-	Indirect	Purchase	25,000	43.42	$1,085,500.00	644,686	4
2025-03-10	Welch, Joshua G	Director	-	Indirect	Purchase	12,000	42.04	$504,480.00	149,305	4
2024-09-19	Bordelon, Ann G.	Director	-	Direct	Purchase	1,232	43.00	$52,976.00	5,003	4
2024-09-19	Magnolia, Capital Fund, L…	TenPercentOwner	-	Direct	Purchase	813,953	43.00	$34,999,979.00	1,582,363	4
2024-09-19	Buba, Jonathan Z	Director	-	Indirect	Purchase	232,558	43.00	$9,999,994.00	544,686	4
2024-09-19	Morris, Dawn C	Director	-	Direct	Purchase	116	43.00	$4,988.00	2,562	4
2024-09-19	Welch, Joshua G	Director	-	Indirect	Purchase	23,255	43.00	$999,965.00	148,955	4
2024-06-18	Magnolia, Capital Fund, L…	TenPercentOwner	-	Direct	Purchase	26,410	57.74	$1,524,913.40	768,410	4
2024-04-11	Magnolia, Capital Fund, L…	TenPercentOwner	-	Direct	Purchase	13,550	57.87	$784,138.50	742,000	4
2024-04-08	Campbell, Douglas W. Jr.	Director,Officer	President & CEO	Direct	Purchase	3,229	61.14	$197,421.06	70,841	4
2024-04-04	Magnolia, Group, Llc, Mag…	TenPercentOwner	-	Direct	Purchase	8,500	57.85	$491,725.00	728,450	4
2024-03-18	Magnolia, Group, Llc, Mag…	TenPercentOwner	-	Direct	Purchase	11,500	60.12	$691,380.00	719,950	4
2024-03-06	Magnolia, Capital Fund, L…	TenPercentOwner	-	Direct	Purchase	8,000	60.30	$482,400.00	708,450	4
2024-02-20	Magnolia, Group, Llc, Mag…	TenPercentOwner	-	Direct	Purchase	17,506	61.23	$1,071,892.38	696,305	4
2024-02-07	Magnolia, Group, Llc, Pet…	TenPercentOwner	-	Direct	Purchase	24,001	60.58	$1,453,980.58	673,200	4
2023-08-02	Magnolia, Capital Fund, L…	TenPercentOwner	-	Direct	Sale	15,500	118.00	$1,829,000.00	631,051	4
2023-07-19	Peterson, Adam K, Magnoli…	TenPercentOwner	-	Direct	Sale	4,216	119.42	$503,474.72	656,582	4
2023-07-19	Magnolia, Capital Fund, L…	TenPercentOwner	-	Direct	Sale	100	119.69	$11,969.00	656,582	4/A
2023-07-19	Magnolia, Group, Llc, Pet…	TenPercentOwner	-	Direct	Sale	19,823	119.44	$2,367,659.12	660,798	4
2023-07-18	Peterson, Adam K, Magnoli…	TenPercentOwner	-	Direct	Sale	5,234	119.95	$627,818.30	688,822	4
2023-07-18	Magnolia, Capital Fund, L…	TenPercentOwner	-	Direct	Sale	7,893	120.65	$952,290.45	694,056	4
2023-07-18	Magnolia, Group, Llc, Pet…	TenPercentOwner	-	Direct	Sale	8,201	119.55	$980,429.55	680,621	4
2023-05-24	Magnolia, Capital Fund, L…	TenPercentOwner	-	Direct	Purchase	384	79.50	$30,528.00	725,884	4
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Institutional Ownership

No data available for chart

2026-03-31

78.88%

Inst. Shares: 6,538,344

Shares Outstanding: 8,289,319

2025-09-30

85.13%

Inst. Shares: 7,051,664

Shares Outstanding: 8,283,116

2025-06-30

85.67%

Inst. Shares: 7,088,681

Shares Outstanding: 8,274,054

2024-12-31

84.25%

Inst. Shares: 6,956,634

Shares Outstanding: 8,256,681

2024-09-30

86.16%

Inst. Shares: 7,020,617

Shares Outstanding: 8,147,971

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	6,538,344	8,289,319	78.88%
2025-09-30	7,051,664	8,283,116	85.13%
2025-06-30	7,088,681	8,274,054	85.67%
2024-12-31	6,956,634	8,256,681	84.25%
2024-09-30	7,020,617	8,147,971	86.16%
2024-06-30	5,397,719	6,396,757	84.38%
2024-03-31	5,484,903	6,388,537	85.86%
2023-12-31	5,808,038	6,393,080	90.85%
2023-06-30	5,760,101	6,381,704	90.26%
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AMERICAS CARMART INC (CRMT) — SEC Financial Statements & Analysis

AMERICAS CARMART INC (CRMT) is a retail-auto dealers & gasoline stations company, incorporated in TX. AMERICAS CARMART INC trades on Nasdaq as: CRMT. Based on its latest SEC filing (Form 10-Q, period ending 2026-04-30), AMERICAS CARMART INC reported a -10.33% year-over-year revenue growth, a Gross Profit Margin of 35.40% (TTM), a Price-to-Sales (P/S) ratio of 0.10x (TTM), a Price-to-Book (P/B) ratio of 0.23x (TTM), at a market cap of $101.21M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -10.33%
Gross Profit Margin TTM: 35.40%
P/S TTM: 0.10x
P/B TTM: 0.23x
Market Cap: $101.21M

Data as of 2026-04-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is AMERICAS CARMART INC in?

AMERICAS CARMART INC (CRMT) operates in the Retail-Auto Dealers & Gasoline Stations industry.

What is CRMT's market cap?

AMERICAS CARMART INC (CRMT) has a market capitalization of $101.21M as of 2026-04-30.

What exchange does CRMT trade on?

AMERICAS CARMART INC (CRMT) trades on the Nasdaq.

Where is AMERICAS CARMART INC incorporated?

AMERICAS CARMART INC is incorporated in TX.