Americas Car Financials

CRMT Stock  USD 47.59  0.49  1.02%   
Based on the analysis of Americas Car's profitability, liquidity, and operating efficiency, Americas Car Mart is not in a good financial situation at the moment. It has a very high risk of going through financial straits in April. At this time, Americas Car's Non Current Assets Total are comparatively stable compared to the past year. Net Receivables is likely to gain to about 1.3 B in 2025, whereas Cash And Short Term Investments are likely to drop slightly above 4.7 M in 2025. Key indicators impacting Americas Car's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio1.072.0
Way Down
Slightly volatile
Operating Income29.2 M29.5 M
Fairly Down
Pretty Stable
Current Ratio3.243.41
Notably Down
Pretty Stable
Investors should never underestimate Americas Car's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Americas Car's cash flow, debt, and profitability to make informed and accurate decisions about investing in Americas Car Mart.

Net Income

(34.3 Million)

  
Understanding current and past Americas Car Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Americas Car's financial statements are interrelated, with each one affecting the others. For example, an increase in Americas Car's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Americas Car's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Americas Car Mart. Check Americas Car's Beneish M Score to see the likelihood of Americas Car's management manipulating its earnings.

Americas Car Stock Summary

Americas Car competes with Sonic Automotive, Lithia Motors, AutoNation, Asbury Automotive, and Penske Automotive. Americas Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. The company was founded in 1981 and is based in Rogers, Arkansas. Americas Car-Mart operates under Auto Truck Dealerships classification in the United States and is traded on NASDAQ Exchange. It employs 2100 people.
Specialization
Consumer Discretionary, Consumer Discretionary Distribution & Retail
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS03062T1051
CUSIP03062T105 228359105 228216107
LocationArkansas; U.S.A
Business Address1805 North 2nd
SectorSpecialty Retail
IndustryConsumer Discretionary
BenchmarkDow Jones Industrial
Websitewww.car-mart.com
Phone479 464 9944
CurrencyUSD - US Dollar

Americas Car Key Financial Ratios

Americas Car Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets822.2M1.1B1.4B1.5B1.7B1.8B
Other Current Liab30.9M7.6M(80.3M)4.6M4.1M4.3M
Net Debt287.7M495.2M628.8M813.2M935.2M981.9M
Retained Earnings565.0M658.2M685.8M654.4M752.5M790.2M
Cash2.9M6.9M9.8M5.5M6.4M4.7M
Net Receivables628.5M859.5M1.1B1.1B1.3B1.3B
Good Will7.3M8.6M11.7M14.4M16.6M17.4M
Inventory82.3M115.3M109.3M107.5M123.6M129.8M
Other Current Assets6.1M44.7M58.2M120.2M138.2M145.1M
Total Liab415.7M675.9M1.1B1.0B1.2B1.2B
Total Current Assets719.8M1.0B1.3B1.3B1.5B1.6B
Short Term Debt1.8M43.9M638.6M200.8M230.9M242.5M
Accounts Payable18.2M20.1M27.2M21.4M24.6M25.8M
Common Stock134K135K136K137K157.6K127.8K
Other Liab49.1M189.7M235.3M159.8M183.8M192.9M
Other Assets105.2M111.9M1.1B(31.3M)(36.0M)(34.2M)
Long Term Debt225.9M396.0M471.4M553.6M636.7M668.5M
Treasury Stock(230.9M)(246.9M)(257.5M)(292.2M)(263.0M)(249.9M)
Net Tangible Assets296.2M399.5M469.4M487.1M560.2M314.7M
Capital Surpluse88.6M98.8M103.1M109.9M126.4M83.5M

Americas Car Key Income Statement Accounts

The reason investors look at the income statement is to determine what Americas Car's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202020212022202320242025 (projected)
Interest Expense6.8M10.9M38.3M65.3M58.8M55.9M
Total Revenue918.6M1.2B1.4B1.4B1.6B1.7B
Gross Profit439.5M548.7M599.6M628.5M722.7M758.9M
Operating Income141.2M131.5M64.5M25.7M29.5M29.2M
Ebit141.3M133.6M64.1M25.2M29.0M27.2M
Ebitda145.0M137.6M69.7M32.1M36.9M29.6M
Cost Of Revenue479.2M663.6M805.9M765.4M880.2M924.2M
Income Before Tax134.4M120.4M25.8M(40.1M)(46.2M)(43.8M)
Net Income104.8M95.0M20.4M(31.4M)(36.1M)(34.3M)
Income Tax Expense30.3M27.1M5.4M(8.7M)(10.1M)(9.6M)
Tax Provision30.3M27.1M5.4M(8.7M)(7.9M)(7.5M)
Net Interest Income(6.8M)(10.9M)(38.3M)(65.3M)(58.8M)(55.9M)

Americas Car Key Cash Accounts

202020212022202320242025 (projected)
Change To Inventory5.0M50.9M130.9M139.2M160.1M168.1M
Change In Cash(56.7M)39.7M(17.1M)26.4M30.4M31.9M
Free Cash Flow(62.8M)(135.2M)(160.2M)(80.0M)(72.0M)(68.4M)
Depreciation3.7M4.0M5.6M6.9M7.9M8.3M
Other Non Cash Items183.0M265.3M363.8M463.8M533.3M560.0M
Capital Expenditures9.0M20.9M22.2M6.1M7.1M7.8M
Net Income104.1M93.3M20.4M(31.4M)(36.1M)(34.3M)
End Period Cash Flow2.9M42.6M25.4M94.4M108.6M114.0M
Change To Netincome162.2M176.6M287.4M367.4M422.5M443.6M
Change Receivables750K(269K)(1.6M)(1.2M)(1.1M)(1.0M)
Net Borrowings61.1M11.8M218.3M192.5M221.4M232.4M
Investments(8.3M)(1.3M)(25.3M)(10.6M)(9.6M)(9.1M)

Americas Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Americas Car's current stock value. Our valuation model uses many indicators to compare Americas Car value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Americas Car competition to find correlations between indicators driving Americas Car's intrinsic value. More Info.
Americas Car Mart is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  2.23  of Return On Asset per Return On Equity. At this time, Americas Car's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Americas Car by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Americas Car Mart Systematic Risk

Americas Car's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Americas Car volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Americas Car Mart correlated with the market. If Beta is less than 0 Americas Car generally moves in the opposite direction as compared to the market. If Americas Car Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Americas Car Mart is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Americas Car is generally in the same direction as the market. If Beta > 1 Americas Car moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Americas Car Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Americas Car's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Americas Car growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0392

At this time, Americas Car's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Americas Car March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Americas Car help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Americas Car Mart. We use our internally-developed statistical techniques to arrive at the intrinsic value of Americas Car Mart based on widely used predictive technical indicators. In general, we focus on analyzing Americas Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Americas Car's daily price indicators and compare them against related drivers.

Additional Tools for Americas Stock Analysis

When running Americas Car's price analysis, check to measure Americas Car's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Americas Car is operating at the current time. Most of Americas Car's value examination focuses on studying past and present price action to predict the probability of Americas Car's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Americas Car's price. Additionally, you may evaluate how the addition of Americas Car to your portfolios can decrease your overall portfolio volatility.