NasdaqGS:CRMT

Stock Analysis Report

Executive Summary

America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States.

Snowflake

Fundamentals

Solid track record and fair value.


Similar Companies

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


Market Performance


7 Day Return

-3.8%

NasdaqGS:CRMT

7.9%

US Specialty Retail

2.1%

US Market


1 Year Return

5.5%

NasdaqGS:CRMT

-5.3%

US Specialty Retail

-0.04%

US Market

CRMT outperformed the Specialty Retail industry which returned -5.6% over the past year.

CRMT outperformed the Market in United States of America which returned 0.2% over the past year.


Share holder returns

CRMTIndustryMarket
7 Day-3.8%7.9%2.1%
30 Day4.1%-0.5%-3.2%
90 Day0.01%5.5%2.8%
1 Year5.5%5.5%-3.7%-5.3%2.2%-0.04%
3 Year119.2%119.2%26.5%19.9%41.5%32.3%
5 Year104.5%104.5%49.7%36.3%55.0%37.8%

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

Valuation

Is America's Car-Mart undervalued based on future cash flows and its price relative to the stock market?

26%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

America's Car-Mart's share price is below the future cash flow value, and at a moderate discount (> 20%).

America's Car-Mart's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

America's Car-Mart is good value based on earnings compared to the US Specialty Retail industry average.

America's Car-Mart is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

America's Car-Mart is poor value based on expected growth next year.


Price Based on Value of Assets

America's Car-Mart is overvalued based on assets compared to the US Specialty Retail industry average.


Next Steps

Future Growth

How is America's Car-Mart expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

1.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

America's Car-Mart's revenue is expected to grow by 4.2% yearly, however this is not considered high growth (20% yearly).

America's Car-Mart's earnings are expected to grow by 1.3% yearly, however this is not considered high growth (20% yearly).

America's Car-Mart's revenue growth is positive but not above the United States of America market average.

America's Car-Mart's earnings growth is positive but not above the United States of America market average.

America's Car-Mart's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if America's Car-Mart will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has America's Car-Mart performed over the past 5 years?

19.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

America's Car-Mart's year on year earnings growth rate has been positive over the past 5 years.

America's Car-Mart's 1-year earnings growth exceeds its 5-year average (29.4% vs 19.5%)

America's Car-Mart's earnings growth has exceeded the US Specialty Retail industry average in the past year (29.4% vs 10.5%).


Return on Equity

America's Car-Mart has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

America's Car-Mart used its assets more efficiently than the US Specialty Retail industry average last year based on Return on Assets.


Return on Capital Employed

America's Car-Mart has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is America's Car-Mart's financial position?


Financial Position Analysis

America's Car-Mart is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

America's Car-Mart's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

America's Car-Mart's level of debt (57.8%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has increased over the past 5 years (44.6% vs 57.8% today).

Debt is not well covered by operating cash flow (15.8%, less than 20% of total debt).

Interest payments on debt are well covered by earnings (EBIT is 9.2x coverage).


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 3x debt.


Next Steps

Dividend

What is America's Car-Mart's current dividend yield, its reliability and sustainability?

0.007%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Unable to evaluate America's Car-Mart's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate America's Car-Mart's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as America's Car-Mart has not reported any payouts.

Unable to verify if America's Car-Mart's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as America's Car-Mart has not reported any payouts.


Future Payout to Shareholders

No need to calculate the sustainability of America's Car-Mart's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of America's Car-Mart's salary, the management and board of directors tenure and is there insider trading?

1.6yrs

Average management tenure


CEO

Jeff Williams (56yo)

1.6yrs

Tenure

US$3,095,784

Compensation

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

Jeff's remuneration is higher than average for companies of similar size in United States of America.

Jeff's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

1.6yrs

Average Tenure

56yo

Average Age

The average tenure for the America's Car-Mart management team is less than 2 years, this suggests a new team.


Board Age and Tenure

3.7yrs

Average Tenure

56yo

Average Age

The tenure for the America's Car-Mart board of directors is about average.


Insider Trading

America's Car-Mart individual insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$686,32008 Jul 19
William Henderson
EntityIndividual
Role
Member of the Board of Directors
Advisor & Director
Shares8,000
Max PriceUS$86.08
SellUS$277,74029 Mar 19
Jim von Gremp
EntityIndividual
Role
Member of the Board of Directors
Director
Shares3,000
Max PriceUS$92.58
SellUS$821,20501 Mar 19
William Henderson
EntityIndividual
Role
Member of the Board of Directors
Advisor & Director
Shares10,000
Max PriceUS$82.58
BuyUS$679,46912 Dec 18
Daniel Englander
EntityIndividual
Role
Member of the Board of Directors
Director
Shares10,000
Max PriceUS$68.23
BuyUS$80,45024 Sep 18
Ray Dillon
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares1,000
Max PriceUS$80.45
BuyUS$62,55805 Sep 18
Ray Dillon
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares750
Max PriceUS$83.41

Ownership Breakdown


Management Team

  • Hank Henderson (56yo)

    Advisor & Director

    • Tenure: 16.9yrs
    • Compensation: US$80.26k
  • Jeff Williams (56yo)

    President

    • Tenure: 1.6yrs
    • Compensation: US$3.10m
  • Vickie Judy (52yo)

    CFO & Secretary

    • Tenure: 1.6yrs
    • Compensation: US$339.75k
  • Leonard Walthall

    Regional Vice President of Operations and Field Operations Officer

    • Tenure: 3.5yrs
  • W. Papasan

    Chief Legal Officer

    • Tenure: 0.0yrs

Board Members

  • Hank Henderson (56yo)

    Advisor & Director

    • Tenure: 16.9yrs
    • Compensation: US$80.26k
  • Ray Dillon (63yo)

    Chairman of the Board

    • Tenure: 1.0yrs
    • Compensation: US$147.77k
  • Dan Englander (50yo)

    Director

    • Tenure: 12.5yrs
    • Compensation: US$151.10k
  • Josh Welch

    Independent Director

    • Tenure: 1.6yrs
    • Compensation: US$141.10k
  • Jeff Williams (56yo)

    President

    • Tenure: 1.6yrs
    • Compensation: US$3.10m
  • Ann Bordelon (51yo)

    Independent Director

    • Tenure: 0.6yrs
    • Compensation: US$13.33k
  • Jim von Gremp (69yo)

    Director

    • Tenure: 3.7yrs
    • Compensation: US$144.43k

Company Information

America's Car-Mart, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: America's Car-Mart, Inc.
  • Ticker: CRMT
  • Exchange: NasdaqGS
  • Founded: 1981
  • Industry: Automotive Retail
  • Sector: Retail
  • Market Cap: US$583.108m
  • Shares outstanding: 6.66m
  • Website: https://www.car-mart.com

Number of Employees


Location

  • America's Car-Mart, Inc.
  • 802 Southeast Plaza Avenue
  • Suite 200
  • Bentonville
  • Arkansas
  • 72712
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CRMTNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDMar 1987
HC9DB (Deutsche Boerse AG)YesCommon StockDEEURMar 1987

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/22 23:32
End of Day Share Price2019/08/22 00:00
Earnings2019/07/31
Annual Earnings2019/04/30


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.