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 17 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).
Gross margin recovery is visible, but the business still behaves like an externally funded working-capital engine.
Between FY2021 and FY2025, gross profit increased by$234M while interest expense increased by$63.8M . Because operating cash flow was negative in both years, FY2025's return to$17.9M of net income still arrived alongside$90.2M of financing inflow, showing that better reported profit has not yet turned the model self-funding.
Revenue was essentially flat from FY2023 through FY2025, yet gross margin rose from
FY2025 ended with just
Financial Health Signals
We are recalculating Amer Carmart's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.
Amer Carmart passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Amer Carmart generates $-0.47 in operating cash flow ($65.0M OCF vs -$139.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Amer Carmart generated $1.3B in revenue in fiscal year 2026. This represents a decrease of 7.9% from the prior year.
Amer Carmart reported -$139.1M in net income in fiscal year 2026. This represents a decrease of 875.8% from the prior year.
Amer Carmart earned $-16.79 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 820.6% from the prior year.
Cash & Balance Sheet
Amer Carmart generated $63.1M in free cash flow in fiscal year 2026, representing cash available after capex. This represents an increase of 219.9% from the prior year.
Amer Carmart held $47.0M in cash against $0 in long-term debt as of fiscal year 2026.
Amer Carmart had 8M shares outstanding in fiscal year 2026. This represents an increase of 0.6% from the prior year.
Margins & Returns
Amer Carmart's gross margin was 48.2% in fiscal year 2026, indicating the percentage of revenue retained after direct costs. This is up 0.4 percentage points from the prior year.
Amer Carmart's net profit margin was -10.9% in fiscal year 2026, showing the share of revenue converted to profit. This is down 12.2 percentage points from the prior year.
Amer Carmart's ROE was -31.2% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 34.4 percentage points from the prior year.
Capital Allocation
Amer Carmart spent $297K on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 31.6% from the prior year.
Amer Carmart invested $1.8M in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents a decrease of 53.5% from the prior year.
CRMT Income Statement
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $303.2M+5.7% | $286.8M-18.1% | $350.2M+2.6% | $341.3M-7.8% | $370.2M+13.6% | $325.7M-6.2% | $347.3M-0.1% | $347.8M |
| Cost of Revenue | $167.0M+16.9% | $142.9M-20.2% | $179.0M+2.2% | $175.1M-11.1% | $196.9M+16.2% | $169.4M-2.2% | $173.2M-7.2% | $186.6M |
| Gross Profit | $136.2M-5.4% | $143.9M-15.9% | $171.2M+3.0% | $166.2M-4.1% | $173.3M+10.8% | $156.4M-10.2% | $174.1M+8.0% | $161.2M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $47.9M-6.9% | $51.5M-10.0% | $57.2M+11.3% | $51.4M+6.3% | $48.3M+4.1% | $46.5M-2.0% | $47.4M+1.5% | $46.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $20.0M-8.2% | $21.8M+38.8% | $15.7M-8.0% | $17.0M-1.9% | $17.4M+2.7% | $16.9M-6.2% | $18.0M-1.5% | $18.3M |
| Income Tax | -$2.2M-105.4% | $40.0M+897.9% | -$5.0M-200.8% | -$1.7M-190.4% | $1.8M+50.1% | $1.2M-39.1% | $2.0M+1021.0% | -$219K |
| Net Income | -$34.2M+55.4% | -$76.7M-241.3% | -$22.5M-291.8% | -$5.7M-153.9% | $10.6M+236.3% | $3.2M-38.0% | $5.1M+628.9% | -$964K |
| EPS (Diluted) | N/A | $-9.25-241.3% | $-2.71-292.8% | $-0.69 | N/A | $0.37-39.3% | $0.61+506.7% | $-0.15 |
CRMT Balance Sheet
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.4B-12.9% | $1.6B-5.3% | $1.7B+6.8% | $1.6B+0.1% | $1.6B0.0% | $1.6B+2.0% | $1.6B+2.9% | $1.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $47.0M-60.2% | $117.9M-3.6% | $122.4M+1165.9% | $9.7M-1.4% | $9.8M+15.0% | $8.5M+6.6% | $8.0M+68.6% | $4.7M |
| Inventory | $54.1M-46.6% | $101.2M-3.4% | $104.8M-6.8% | $112.5M+0.2% | $112.2M-22.0% | $143.9M+17.9% | $122.1M+6.6% | $114.5M |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $22.8M0.0% | $22.8M-3.8% | $23.7M0.0% | $23.7M+3.9% | $22.8M0.0% | $22.8M-0.4% | $22.9M0.0% | $22.9M |
| Total Liabilities | $970.8M-15.4% | $1.1B-1.3% | $1.2B+11.5% | $1.0B+0.6% | $1.0B-1.2% | $1.0B+2.7% | $1.0B-3.6% | $1.1B |
| 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 | $445.6M-7.0% | $479.3M-13.6% | $555.0M-1.7% | $564.8M-0.8% | $569.4M+2.1% | $557.8M+0.8% | $553.6M+17.5% | $471.1M |
| Retained Earnings | $533.1M-6.0% | $567.3M-11.9% | $644.0M-3.4% | $666.5M-0.9% | $672.3M+1.6% | $661.6M+0.5% | $658.5M+0.8% | $653.4M |
CRMT Cash Flow Statement
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $67.7M+1244.4% | -$5.9M-165.3% | $9.1M+253.1% | -$5.9M-130.8% | $19.2M+162.4% | -$30.8M-38.4% | -$22.2M-48.5% | -$15.0M |
| Capital Expenditures | $289K+4.0% | $278K-64.5% | $784K+70.8% | $459K-42.7% | $801K+6.7% | $751K-44.5% | $1.4M+37.1% | $986K |
| Free Cash Flow | $67.4M+1188.4% | -$6.2M-174.9% | $8.3M+229.8% | -$6.4M-134.6% | $18.4M+158.4% | -$31.5M-33.7% | -$23.6M-47.8% | -$16.0M |
| Investing Cash Flow | -$154K+36.1% | -$241K+64.9% | -$687K-56.5% | -$439K+43.9% | -$783K-4.3% | -$751K+43.4% | -$1.3M+84.4% | -$8.5M |
| Financing Cash Flow | -$172.9M-2107.2% | -$7.8M-106.5% | $121.2M+3631.8% | $3.2M+116.0% | -$20.3M-171.8% | $28.2M-48.4% | $54.6M+97.5% | $27.7M |
| Dividends Paid | N/A | $10K0.0% | $10K0.0% | $10K0.0% | $10K0.0% | $10K0.0% | $10K0.0% | $10K |
| Share Buybacks | -$2K-108.7% | $23K-88.8% | $205K+188.7% | $71K+3450.0% | $2K-90.0% | $20K-94.8% | $388K+1516.7% | $24K |
CRMT Financial Ratios
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 44.9%-5.3pp | 50.2%+1.3pp | 48.9%+0.2pp | 48.7%+1.9pp | 46.8%-1.2pp | 48.0%-2.1pp | 50.1%+3.8pp | 46.4% |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -11.3%+15.5pp | -26.8%-20.3pp | -6.4%-4.7pp | -1.7%-4.5pp | 2.9%+1.9pp | 1.0%-0.5pp | 1.5%+1.7pp | -0.3% |
| Return on Equity | -7.7%+8.3pp | -16.0%-11.9pp | -4.0%-3.0pp | -1.0%-2.9pp | 1.9%+1.3pp | 0.6%-0.3pp | 0.9%+1.1pp | -0.2% |
| Return on Assets | -2.4%+2.3pp | -4.7%-3.4pp | -1.3%-1.0pp | -0.4%-1.0pp | 0.7%+0.5pp | 0.2%-0.1pp | 0.3%+0.4pp | -0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 2.18-0.2 | 2.39+0.3 | 2.09+0.2 | 1.85+0.0 | 1.82-0.1 | 1.88+0.0 | 1.84-0.4 | 2.25 |
| FCF Margin | 22.2%+24.4pp | -2.2%-4.5pp | 2.4%+4.2pp | -1.9%-6.9pp | 5.0%+14.7pp | -9.7%-2.9pp | -6.8%-2.2pp | -4.6% |
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Frequently Asked Questions
What is Amer Carmart's annual revenue?
Amer Carmart (CRMT) reported $1.3B in total revenue for fiscal year 2026. This represents a -7.9% 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 7.9% year-over-year, from $1.4B to $1.3B in fiscal year 2026.
Is Amer Carmart profitable?
No, Amer Carmart (CRMT) reported a net income of -$139.1M in fiscal year 2026, with a net profit margin of -10.9%.
What is Amer Carmart's gross margin?
Amer Carmart (CRMT) had a gross margin of 48.2% in fiscal year 2026, 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 -10.9% in fiscal year 2026, 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 -31.2% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Amer Carmart's free cash flow?
Amer Carmart (CRMT) generated $63.1M in free cash flow during fiscal year 2026. This represents a 219.9% 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 $65.0M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are Amer Carmart's total assets?
Amer Carmart (CRMT) had $1.4B in total assets as of fiscal year 2026, including both current and long-term assets.
What are Amer Carmart's capital expenditures?
Amer Carmart (CRMT) invested $1.8M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Amer Carmart's debt-to-equity ratio?
Amer Carmart (CRMT) had a debt-to-equity ratio of 2.18 as of fiscal year 2026, 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 -9.8% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Amer Carmart's Piotroski F-Score?
Amer Carmart (CRMT) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 -0.47x, considered mixed quality. 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.