America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. More Details
Fair value with acceptable track record.
Share Price & News
How has America's Car-Mart's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CRMT has not had significant price volatility in the past 3 months.
7 Day Return
US Specialty Retail
1 Year Return
US Specialty Retail
Return vs Industry: CRMT underperformed the US Specialty Retail industry which returned 22.5% over the past year.
Return vs Market: CRMT underperformed the US Market which returned 18.3% over the past year.
Price Volatility Vs. Market
How volatile is America's Car-Mart's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StDoes America's Car-Mart (NASDAQ:CRMT) Have A Healthy Balance Sheet?
2 weeks ago | Simply Wall StReturns On Capital At America's Car-Mart (NASDAQ:CRMT) Paint An Interesting Picture
1 month ago | Simply Wall StIs America's Car-Mart, Inc.'s (NASDAQ:CRMT) Shareholder Ownership Skewed Towards Insiders?
Is America's Car-Mart undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CRMT ($93.57) is trading above our estimate of fair value ($6.65)
Significantly Below Fair Value: CRMT is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CRMT is good value based on its PE Ratio (11.2x) compared to the US Specialty Retail industry average (21.6x).
PE vs Market: CRMT is good value based on its PE Ratio (11.2x) compared to the US market (19.2x).
Price to Earnings Growth Ratio
PEG Ratio: CRMT is poor value based on its PEG Ratio (1.3x)
Price to Book Ratio
PB vs Industry: CRMT is good value based on its PB Ratio (1.9x) compared to the US Specialty Retail industry average (2.1x).
How is America's Car-Mart forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CRMT's forecast earnings growth (8.6% per year) is above the savings rate (2.2%).
Earnings vs Market: CRMT's earnings (8.6% per year) are forecast to grow slower than the US market (22.1% per year).
High Growth Earnings: CRMT's earnings are forecast to grow, but not significantly.
Revenue vs Market: CRMT's revenue (8.7% per year) is forecast to grow slower than the US market (9.9% per year).
High Growth Revenue: CRMT's revenue (8.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CRMT's Return on Equity is forecast to be high in 3 years time
How has America's Car-Mart performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CRMT has high quality earnings.
Growing Profit Margin: CRMT's current net profit margins (7.3%) are lower than last year (7.7%).
Past Earnings Growth Analysis
Earnings Trend: CRMT's earnings have grown significantly by 28.2% per year over the past 5 years.
Accelerating Growth: CRMT's earnings growth over the past year (6%) is below its 5-year average (28.2% per year).
Earnings vs Industry: CRMT earnings growth over the past year (6%) exceeded the Specialty Retail industry 3%.
Return on Equity
High ROE: CRMT's Return on Equity (17%) is considered low.
How is America's Car-Mart's financial position?
Financial Position Analysis
Short Term Liabilities: CRMT's short term assets ($597.0M) exceed its short term liabilities ($47.7M).
Long Term Liabilities: CRMT's short term assets ($597.0M) exceed its long term liabilities ($325.0M).
Debt to Equity History and Analysis
Debt Level: CRMT's debt to equity ratio (66%) is considered high.
Reducing Debt: CRMT's debt to equity ratio has increased from 46.1% to 66% over the past 5 years.
Debt Coverage: CRMT's debt is not well covered by operating cash flow (7.2%).
Interest Coverage: CRMT's interest payments on its debt are well covered by EBIT (10x coverage).
What is America's Car-Mart current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CRMT's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CRMT's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CRMT's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CRMT's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CRMT's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jeff Williams (57 yo)
Mr. Jeffrey A. Williams, also known as Jeff, has been the President of America’s Car-Mart, Inc. since March 1, 2016 and has been its Chief Executive Officer since January 1, 2018. He served as Chief Financ ...
CEO Compensation Analysis
Compensation vs Market: Jeff's total compensation ($USD4.92M) is above average for companies of similar size in the US market ($USD2.94M).
Compensation vs Earnings: Jeff's compensation has increased by more than 20% in the past year.
|Chief Financial Officer||2.75yrs||US$2.54m||0.18% |
|Chief Operating Officer||1.17yrs||US$2.53m||0.19% |
|Advisor & Director||18.08yrs||US$73.28k||1.66% |
|Chief Legal Officer||no data||no data||no data|
Experienced Management: CRMT's management team is considered experienced (2.8 years average tenure).
|Advisor & Director||18.08yrs||US$73.28k||1.66% |
|Independent Director||3.17yrs||US$244.80k||0.037% |
|Independent Director||13.67yrs||US$244.80k||2.99% |
|Independent Chairman of the Board||0.17yr||US$234.80k||0% |
|Independent Director||1.75yrs||US$234.80k||0.019% |
Experienced Board: CRMT's board of directors are considered experienced (6.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CRMT insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.8%.
America's Car-Mart, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: America's Car-Mart, Inc.
- Ticker: CRMT
- Exchange: NasdaqGS
- Founded: 1981
- Industry: Automotive Retail
- Sector: Retail
- Market Cap: US$640.213m
- Shares outstanding: 6.84m
- Website: https://www.car-mart.com
Number of Employees
- America's Car-Mart, Inc.
- 1805 North 2nd Street
- Suite 401
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CRMT||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Mar 1987|
|HC9||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Mar 1987|
America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. The company primarily sells older model used vehicles and provides financing for its customers. ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/25 00:31|
|End of Day Share Price||2020/10/23 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.