America's Car-Mart, Inc. (CRMT) Stock

America's Car-Mart, Inc. (CRMT) is a Consumer Discretionary stock trading at $2.85 (as of 2026-08-20), with a market capitalization of $23.69M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

America's Car-Mart, Inc. and its subsidiaries operate as a used-vehicle retailer in the United States, selling primarily older-model vehicles and providing customer financing. The company operated 154 dealerships in the South-Central United States as of April 30, 2022.

Understand America's Car-Mart, Inc.: how it makes money

America's Car-Mart sells older model used vehicles through its U.S. dealerships, and it also provides customer financing, earning money from vehicle sales gross profit plus financing activity.

Its profit model combines (1) gross profit from selling used cars and (2) returns from financing customers who buy those vehicles.

Business quality (Weak): The business description clearly links revenue to used-car sales and customer financing, but the provided data does not include reportable segments or operating KPIs, and the latest period shows a negative operating margin.

Bull case

  • Used-vehicle retail focus with built-in financing: The company operates as an automotive retailer that primarily sells older model used vehicles and provides financing for its customers, which ties sales activity to financing demand.
  • Gross margin is positive: For the period ending 2026-01-31, gross margin is 50.2%, indicating profitability at the gross profit level before operating expenses.

Bear case

  • Operating losses in the latest period: For the period ending 2026-01-31, operating margin is -12.8%, meaning operating expenses exceeded operating gross profit.
  • Geographic concentration: As of April 30, 2022, it operated 154 dealerships in the South-Central United States, which can increase exposure to regional economic or automotive demand swings.
Valuation — source: SEC EDGAR (first-party)
Price$2.85
Market Cap$23.69M
Price / Book0.05
Price / Sales0.02
FCF Yield-337.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.28B
Net Margin-10.9%
Revenue Growth (YoY)-7.9%
EPS Growth (YoY)-805.5%
FCF Growth (YoY)-219.9%
Valuation vs Sector & Industry
Sector P/E (Consumer Discretionary)20.5
Industry P/E (Retail)19.5
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderMAGNOLIA GROUP, LLC ($16.05M)
Institutional Holders Tracked10
Company
SectorConsumer Discretionary
IndustryRetail
CEODouglas W. Campbell
Employees2,280
CountryUS
IPO Date1987-03-13

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CRMT earnings history · CRMT institutional & insider holders · CRMT KPIs & operating metrics · CRMT financials · CRMT investor presentations & press releases · CRMT SEC filings · CRMT peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.