Amer Carmart Financials
This page shows Amer Carmart (CRMT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Amer Carmart's revenue declined 0.2% year-over-year, from $1.4B to $1.4B. This contraction results in a growth score of 28/100.
Amer Carmart has a moderate D/E ratio of 1.85. This balance of debt and equity financing earns a leverage score of 43/100.
While Amer Carmart generated -$48.8M in operating cash flow, capex of $3.9M consumed most of it, leaving -$52.7M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Amer Carmart generates a 3.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 13/100.
Amer Carmart passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Amer Carmart generates $-2.72 in operating cash flow (-$48.8M OCF vs $17.9M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Amer Carmart generated $1.4B in revenue in fiscal year 2025. This represents a decrease of 0.2% from the prior year.
Amer Carmart generated -$52.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 34.2% from the prior year.
Amer Carmart reported $17.9M in net income in fiscal year 2025. This represents an increase of 157.1% from the prior year.
Amer Carmart earned $2.33 per diluted share (EPS) in fiscal year 2025. This represents an increase of 147.4% from the prior year.
Amer Carmart held $9.7M in cash against $0 in long-term debt as of fiscal year 2025.
Amer Carmart had 8M shares outstanding in fiscal year 2025. This represents an increase of 29.4% from the prior year.
Amer Carmart's gross margin was 47.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 2.2 percentage points from the prior year.
Amer Carmart's net profit margin was 1.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.5 percentage points from the prior year.
Amer Carmart's ROE was 3.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
Amer Carmart spent $434K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 18.9% from the prior year.
Amer Carmart invested $3.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 36.7% from the prior year.
CRMT Income Statement
| Metric | Q2'25 | Q1'25 | Q3'25 | Q2'24 | Q1'24 | Q3'24 | Q2'23 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $350.2M+2.6% | $341.3M+4.8% | $325.7M-6.2% | $347.3M-0.1% | $347.8M+16.1% | $299.6M-16.7% | $359.8M-1.9% | $366.8M |
| Cost of Revenue | $179.0M+2.2% | $175.1M+3.4% | $169.4M-2.2% | $173.2M-7.2% | $186.6M+17.9% | $158.3M-19.6% | $196.8M-2.9% | $202.6M |
| Gross Profit | $171.2M+3.0% | $166.2M+6.3% | $156.4M-10.2% | $174.1M+8.0% | $161.2M+14.0% | $141.4M-13.3% | $163.0M-0.7% | $164.1M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $57.2M+11.3% | $51.4M+10.7% | $46.5M-2.0% | $47.4M+1.5% | $46.7M+7.2% | $43.6M-2.9% | $44.9M-3.5% | $46.5M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $15.7M-8.0% | $17.0M+0.7% | $16.9M-6.2% | $18.0M-1.5% | $18.3M+9.4% | $16.7M+0.9% | $16.6M+16.2% | $14.3M |
| Income Tax | -$5.0M-200.8% | -$1.7M-235.7% | $1.2M-39.1% | $2.0M+1021.0% | -$219K+87.8% | -$1.8M+77.9% | -$8.1M-886.1% | $1.0M |
| Net Income | -$22.5M-291.8% | -$5.7M-281.4% | $3.2M-38.0% | $5.1M+628.9% | -$964K+88.7% | -$8.5M+68.9% | -$27.5M-756.1% | $4.2M |
| EPS (Diluted) | $-2.71-292.8% | $-0.69-286.5% | $0.37-39.3% | $0.61+506.7% | $-0.15+88.8% | $-1.34+68.8% | $-4.30-782.5% | $0.63 |
CRMT Balance Sheet
| Metric | Q2'25 | Q1'25 | Q3'25 | Q2'24 | Q1'24 | Q3'24 | Q2'23 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.7B+6.8% | $1.6B+0.1% | $1.6B+2.0% | $1.6B+2.9% | $1.5B+4.4% | $1.5B-1.4% | $1.5B-1.2% | $1.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $122.4M+1165.9% | $9.7M+13.3% | $8.5M+6.6% | $8.0M+68.6% | $4.7M+12.0% | $4.2M-1.7% | $4.3M-31.7% | $6.3M |
| Inventory | $104.8M-6.8% | $112.5M-21.9% | $143.9M+17.9% | $122.1M+6.6% | $114.5M+4.8% | $109.3M-4.0% | $113.8M-2.9% | $117.2M |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $23.7M0.0% | $23.7M+3.9% | $22.8M-0.4% | $22.9M0.0% | $22.9M+57.9% | $14.5M+25.0% | $11.6M-0.9% | $11.7M |
| Total Liabilities | $1.2B+11.5% | $1.0B-0.6% | $1.0B+2.7% | $1.0B-3.6% | $1.1B+6.2% | $997.5M-1.2% | $1.0B+1.1% | $999.6M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $555.0M-1.7% | $564.8M+1.3% | $557.8M+0.8% | $553.6M+17.5% | $471.1M+0.5% | $468.9M-1.6% | $476.5M-5.6% | $504.6M |
| Retained Earnings | $644.0M-3.4% | $666.5M+0.7% | $661.6M+0.5% | $658.5M+0.8% | $653.4M-0.1% | $654.0M-1.3% | $662.5M-4.0% | $690.0M |
CRMT Cash Flow Statement
| Metric | Q2'25 | Q1'25 | Q3'25 | Q2'24 | Q1'24 | Q3'24 | Q2'23 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.1M+253.1% | -$5.9M+80.8% | -$30.8M-38.4% | -$22.2M-48.5% | -$15.0M-215.5% | $13.0M+142.2% | -$30.7M+32.3% | -$45.4M |
| Capital Expenditures | $784K+70.8% | $459K-38.9% | $751K-44.5% | $1.4M+37.1% | $986K-63.7% | $2.7M+252.6% | $770K-44.2% | $1.4M |
| Free Cash Flow | $8.3M+229.8% | -$6.4M+79.8% | -$31.5M-33.7% | -$23.6M-47.8% | -$16.0M-255.8% | $10.2M+132.5% | -$31.5M+32.7% | -$46.8M |
| Investing Cash Flow | -$687K-56.5% | -$439K+41.5% | -$751K+43.4% | -$1.3M+84.4% | -$8.5M-10.0% | -$7.7M-948.9% | -$738K+13.2% | -$850K |
| Financing Cash Flow | $121.2M+3631.8% | $3.2M-88.5% | $28.2M-48.4% | $54.6M+97.5% | $27.7M+640.1% | -$5.1M-115.2% | $33.8M-52.1% | $70.4M |
| Dividends Paid | $10K0.0% | $10K0.0% | $10K0.0% | $10K0.0% | $10K0.0% | $10K0.0% | $10K0.0% | $10K |
| Share Buybacks | $205K+188.7% | $71K+255.0% | $20K-94.8% | $388K+1516.7% | $24K-91.0% | $268K | $0-100.0% | $68K |
CRMT Financial Ratios
| Metric | Q2'25 | Q1'25 | Q3'25 | Q2'24 | Q1'24 | Q3'24 | Q2'23 | Q1'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.9%+0.2pp | 48.7%+0.7pp | 48.0%-2.1pp | 50.1%+3.8pp | 46.4%-0.8pp | 47.2%+1.9pp | 45.3%+0.6pp | 44.8% |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -6.4%-4.7pp | -1.7%-2.6pp | 1.0%-0.5pp | 1.5%+1.7pp | -0.3%+2.6pp | -2.9%+4.8pp | -7.6%-8.8pp | 1.1% |
| Return on Equity | N/A | N/A | 0.6%-0.3pp | 0.9% | N/A | N/A | N/A | 0.8% |
| Return on Assets | -1.3%-1.0pp | -0.4%-0.6pp | 0.2%-0.1pp | 0.3%+0.4pp | -0.1%+0.5pp | -0.6%+1.3pp | -1.8%-2.1pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 2.09+0.2 | 1.85-0.0 | 1.88+0.0 | 1.84-0.4 | 2.25+0.1 | 2.130.0 | 2.12+0.1 | 1.98 |
| FCF Margin | 2.4%+4.2pp | -1.9%+7.8pp | -9.7%-2.9pp | -6.8%-2.2pp | -4.6%-8.0pp | 3.4%+12.2pp | -8.8%+4.0pp | -12.8% |
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Frequently Asked Questions
What is Amer Carmart's annual revenue?
Amer Carmart (CRMT) reported $1.4B in total revenue for fiscal year 2025. This represents a -0.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Amer Carmart's revenue growing?
Amer Carmart (CRMT) revenue declined by 0.2% year-over-year, from $1.4B to $1.4B in fiscal year 2025.
Is Amer Carmart profitable?
Yes, Amer Carmart (CRMT) reported a net income of $17.9M in fiscal year 2025, with a net profit margin of 1.3%.
What is Amer Carmart's earnings per share (EPS)?
Amer Carmart (CRMT) reported diluted earnings per share of $2.33 for fiscal year 2025. This represents a 147.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Amer Carmart's gross margin?
Amer Carmart (CRMT) had a gross margin of 47.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Amer Carmart's net profit margin?
Amer Carmart (CRMT) had a net profit margin of 1.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Amer Carmart's return on equity (ROE)?
Amer Carmart (CRMT) has a return on equity of 3.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Amer Carmart's free cash flow?
Amer Carmart (CRMT) generated -$52.7M in free cash flow during fiscal year 2025. This represents a 34.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Amer Carmart's operating cash flow?
Amer Carmart (CRMT) generated -$48.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Amer Carmart's total assets?
Amer Carmart (CRMT) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Amer Carmart's capital expenditures?
Amer Carmart (CRMT) invested $3.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Amer Carmart buy back shares?
Yes, Amer Carmart (CRMT) spent $434K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Amer Carmart have outstanding?
Amer Carmart (CRMT) had 8M shares outstanding as of fiscal year 2025.
What is Amer Carmart's debt-to-equity ratio?
Amer Carmart (CRMT) had a debt-to-equity ratio of 1.85 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Amer Carmart's return on assets (ROA)?
Amer Carmart (CRMT) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Amer Carmart's cash runway?
Based on fiscal year 2025 data, Amer Carmart (CRMT) had $9.7M in cash against an annual operating cash burn of $48.8M. This gives an estimated cash runway of approximately 2 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Amer Carmart's Piotroski F-Score?
Amer Carmart (CRMT) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Amer Carmart's earnings high quality?
Amer Carmart (CRMT) has an earnings quality ratio of -2.72x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Amer Carmart?
Amer Carmart (CRMT) scores 21 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.