What is America's Car Mart Inc's earnings per share (EPS)?

America's Car Mart Inc (CRMT) reported diluted earnings per share of -$16.79 for fiscal year 2026. This represents a -820.6% 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.

America's Car Mart Inc (CRMT) Financials

CRMT

Trailing 12 months to July 31, 2026

Revenue $1.1B -21.6% YoY

Net Income -$202.4M -1642.1% YoY

EPS (Diluted) -$24.36 -1550.0% YoY

Free Cash Flow $149.5M +447.1% YoY

Market Cap $15.8M as of Sep 12, 2026

Price / Sales 0.0x on $1.1B revenue, trailing 12 months to July 31, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to July 31, 2026

Price / Book 0.0x on $376.4M equity, Q1 FY2027

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q1 FY2027, ended Jul 31, 2026 Reported Sep 9, 2026 Currency USD FYE April

Newest figures come from the 10-Q for Q1 FY2027, filed Sep 9, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CRMT SEC filings page.

America's Car Mart Inc (CRMT) reported $1.1B in revenue over the twelve months to Jul 31, 2026, down 21.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CRMT FY2026 2026-08-30

Gross-margin expansion is being overwhelmed by financing and operating costs, while inventory reduction supports cash generation.

The FY2026 net loss of -$139M coexisted with positive operating cash flow of $65.0M, so accounting earnings and cash generation moved in opposite directions. Inventory fell by 51.8%, coinciding with free cash flow of $63.1M; the cash result therefore reflects working-capital release more than earnings conversion.

Gross margin expanded from 42.8% in FY2023 to 48.2% in FY2026 despite revenue declining in the latest year. That combination points to a favorable cost or mix shift rather than volume-led growth; SG&A reached $208.1M in FY2026, absorbing much of the gross-profit improvement.

Total liabilities declined to $970.8M in FY2026, while debt-to-equity rose to 2.2x. That apparent contradiction reflects equity falling to $445.6M after the loss: leverage increased relative to the capital base even as liabilities fell.

Financial Health Signals

Financial health score not available

America's Car Mart Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/7

America's Car Mart Inc 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.

Earnings Quality Mixed

N/A

America's Car Mart Inc reported a net loss of $139.2M while generating $65.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.

Key Financial Metrics

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Earnings & Revenue

Revenue

$145.8M

YoY-57.3%

QoQ-51.9%

5Y CAGR-12.3%

10Y CAGR0.0%

America's Car Mart Inc generated $145.8M in revenue in Q1 2027. This represents a decrease of 57.3% from the same quarter a year earlier. Against the prior quarter it is down 51.9%.

Net Income

-$69.0M

YoY-1102.6%

QoQ-101.2%

America's Car Mart Inc reported -$69.0M in net income in Q1 2027. This represents a decrease of 1102.6% from the same quarter a year earlier. Against the prior quarter it is down 101.2%.

EPS (Diluted)

-$8.28

YoY-1100.0%

QoQ-101.0%

America's Car Mart Inc earned -$8.28 per diluted share (EPS) in Q1 2027. This represents a decrease of 1100.0% from the same quarter a year earlier. Against the prior quarter it is down 101.0%.

EBITDA

Not reported for Q1 2027.

Cash & Balance Sheet

Free Cash Flow

$80.0M

YoY+1354.2%

QoQ+18.6%

America's Car Mart Inc generated $80.0M in free cash flow in Q1 2027, representing cash available after capex. This represents an increase of 1354.2% from the same quarter a year earlier. Against the prior quarter it is up 18.6%.

Cash & Debt

$27.5M

YoY+184.8%

QoQ-41.4%

5Y CAGR+58.9%

10Y CAGR+53.8%

America's Car Mart Inc held $27.5M in cash as of Q1 2027; long-term debt is not reported for that period.

Shares Outstanding

YoY+0.7%

QoQ+0.1%

5Y CAGR+5.0%

10Y CAGR+0.6%

America's Car Mart Inc had 8M shares outstanding in Q1 2027. This represents an increase of 0.7% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Dividends Per Share

Not reported for Q1 2027.

Margins & Returns

Gross Margin

51.8%

YoY+3.1pp

QoQ+6.9pp

5Y change+6.3pp

10Y change+14.7pp

America's Car Mart Inc's gross margin was 51.8% in Q1 2027, indicating the percentage of revenue retained after direct costs. This is up 3.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.9 percentage points.

Net Margin

-47.3%

YoY-45.6pp

QoQ-36.0pp

5Y change-56.6pp

10Y change-52.2pp

America's Car Mart Inc's net profit margin was -47.3% in Q1 2027, showing the share of revenue converted to profit. This is down 45.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 36.0 percentage points.

Return on Equity

-18.3%

YoY-17.3pp

QoQ-10.6pp

5Y change-24.5pp

10Y change-21.4pp

America's Car Mart Inc's ROE was -18.3% in Q1 2027, measuring profit generated per dollar of shareholder equity. This is down 17.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 10.6 percentage points.

Operating Margin

Not reported for Q1 2027.

Capital Allocation

Share Buybacks

$25K

YoY-64.8%

QoQ+1150.0%

5Y CAGR-70.7%

10Y CAGR-43.2%

America's Car Mart Inc spent $25K on share buybacks in Q1 2027, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 64.8% from the same quarter a year earlier. Against the prior quarter it is up 1150.0%.

Capital Expenditures

$90K

YoY-80.4%

QoQ-68.9%

5Y CAGR-44.4%

10Y CAGR-16.1%

America's Car Mart Inc invested $90K in capex in Q1 2027, funding long-term assets and infrastructure. This represents a decrease of 80.4% from the same quarter a year earlier. Against the prior quarter it is down 68.9%.

R&D Spending

Not reported for Q1 2027.

CRMT Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CRMT quarterly income statement

Metric	TTM	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$1.1B	$1.3B-7.9%	$1.4B-0.2%	$1.4B-0.5%	$1.4B+17.6%	$1.2B+30.9%	$909.7M+22.2%	$744.6M+11.3%	$669.1M+9.3%	$612.2M+4.2%	$587.8M+3.5%	$567.9M+7.1%	$530.3M+8.4%	$489.2M+5.3%	$464.7M+8.0%	$430.2M
Cost of Revenue	$559.2M	$664.0M-8.5%	$726.1M-4.3%	$758.5M-5.3%	$800.8M+21.6%	$658.6M+37.5%	$479.2M+23.3%	$388.5M+13.0%	$343.9M+9.1%	$315.3M+3.4%	$304.9M0.0%	$304.9M+11.9%	$272.4M+8.4%	$251.3M+5.2%	$239.0M+7.0%	$223.4M
Gross Profit	$526.8M	$617.5M-7.1%	$664.9M+4.6%	$635.3M+6.0%	$599.6M+12.7%	$531.9M+23.6%	$430.5M+62.8%	$264.5M+9.0%	$242.6M+9.2%	$222.3M+3.3%	$215.2M+6.7%	$201.6M+0.8%	$200.1M+9.2%	$183.2M+3.6%	$176.8M+8.1%	$163.5M
SG&A Expenses	$208.2M	$208.1M+10.1%	$188.9M+5.3%	$179.4M+1.5%	$176.7M+13.2%	$156.1M+19.3%	$130.9M+11.1%	$117.8M+9.8%	$107.2M+8.3%	$99.0M+7.7%	$91.9M-0.3%	$92.2M+10.1%	$83.8M+6.6%	$78.6M+7.4%	$73.2M+8.2%	$67.7M
Interest Expense	$76.7M	$74.5M+5.4%	$70.7M+8.1%	$65.3M+70.6%	$38.3M+250.9%	$10.9M+60.1%	$6.8M-15.3%	$8.1M+2.1%	$7.9M+40.8%	$5.6M+37.6%	$4.1M+23.1%	$3.3M+13.9%	$2.9M-3.1%	$3.0M+2.0%	$2.9M+28.5%	$2.3M
Income Tax	$32.9M	$31.1M+539.4%	$4.9M+155.7%	-$8.7M-263.0%	$5.4M-80.6%	$27.6M-9.5%	$30.5M+134.6%	$13.0M+6.4%	$12.2M+410.1%	$2.4M-80.1%	$12.0M+74.4%	$6.9M-60.7%	$17.5M+39.9%	$12.5M-32.2%	$18.5M-6.6%	$19.8M
Net Income	-$202.4M	-$139.2M-877.7%	$17.9M+157.0%	-$31.4M-253.7%	$20.4M-78.5%	$95.0M-9.4%	$104.8M+104.2%	$51.3M+7.8%	$47.6M+30.4%	$36.5M+80.7%	$20.2M+74.2%	$11.6M-60.7%	$29.5M+39.6%	$21.1M-34.3%	$32.2M-2.5%	$33.0M
EPS (Basic)	N/A	-$16.79-805.5%	$2.38+148.4%	-$4.92-253.8%	$3.20-78.1%	$14.59-7.7%	$15.81+104.3%	$7.74+10.7%	$6.99+38.7%	$5.04+96.1%	$2.57+86.2%	$1.38-59.6%	$3.42+44.9%	$2.36-33.1%	$3.53+5.1%	$3.36
EPS (Diluted)	-$24.36	-$16.79-820.6%	$2.33+147.4%	-$4.92-258.2%	$3.11-77.7%	$13.92-7.5%	$15.05+103.7%	$7.39+9.8%	$6.73+37.3%	$4.90+96.8%	$2.49+87.2%	$1.33-59.1%	$3.25+44.4%	$2.25-33.0%	$3.36+3.7%	$3.24
Diluted Shares (Avg)	N/A	8M+7.9%	8M+20.2%	6M-2.7%	7M-3.8%	7M-2.0%	7M+0.2%	7M-1.8%	7M-5.0%	7M-8.3%	8M-6.4%	9M-4.2%	9M-3.6%	9M-1.9%	10M-5.8%	10M

Metric	Q1'2710-Q	Q4'2610-Q	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q
Revenue	$145.8M-57.3%	$303.2M-18.1%	$286.8M-12.0%	$350.2M+0.8%	$341.3M-1.9%	$370.2M+0.7%	$325.7M+8.7%	$347.3M-3.5%
Cost of Revenue	$70.3M-59.9%	$167.0M-15.2%	$142.9M-15.7%	$179.0M+3.3%	$175.1M-6.2%	$196.9M-2.0%	$169.4M+7.0%	$173.2M-12.0%
Gross Profit	$75.5M-54.6%	$136.2M-21.4%	$143.9M-7.9%	$171.2M-1.7%	$166.2M+3.1%	$173.3M+3.9%	$156.4M+10.6%	$174.1M+6.8%
SG&A Expenses	$51.6M+0.3%	$47.9M-0.8%	$51.5M+10.9%	$57.2M+20.7%	$51.4M+10.1%	$48.3M+8.6%	$46.5M+6.7%	$47.4M+5.7%
Interest Expense	$19.2M+12.8%	$20.0M+15.1%	$21.8M+28.7%	$15.7M-13.1%	$17.0M-6.9%	$17.4M-2.2%	$16.9M+1.1%	$18.0M+8.8%
Income Tax	$149K+108.9%	-$2.2M-218.0%	$40.0M+3155.9%	-$5.0M-348.4%	-$1.7M-660.7%	$1.8M+1112.5%	$1.2M+168.2%	$2.0M+124.8%
Net Income	-$69.0M-1102.6%	-$34.3M-423.4%	-$76.7M-2525.8%	-$22.5M-540.7%	-$5.7M-495.0%	$10.6M+2430.5%	$3.2M+137.0%	$5.1M+118.6%
EPS (Basic)	-$8.28-1100.0%	-$4.12-390.1%	-$9.25-2534.2%	-$2.71-537.1%	-$0.69-360.0%	$1.42+1928.6%	$0.38+128.4%	$0.62+114.4%
EPS (Diluted)	-$8.28-1100.0%	-$4.12-396.4%	-$9.25-2600.0%	-$2.71-544.3%	-$0.69-360.0%	$1.39+1885.7%	$0.37+127.6%	$0.61+114.2%
Diluted Shares (Avg)	8M+0.7%	N/A	8M-1.4%	8M-0.1%	8M+29.3%	N/A	8M+31.6%	8M+29.8%

Not reported in any period shown, so not listed: R&D Expenses, Operating Income, EBITDA.

CRMT Balance Sheet

CRMT quarterly balance sheet

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Total Assets	$1.4B-11.8%	$1.6B+8.7%	$1.5B+4.4%	$1.4B+22.5%	$1.2B+40.4%	$822.2M+23.2%	$667.3M+35.5%	$492.5M+8.1%	$455.6M+7.4%	$424.3M+4.4%	$406.3M+1.6%	$399.9M+10.1%	$363.3M+1.4%	$358.3M+15.2%	$310.9M
Cash & Equivalents	$47.0M+378.8%	$9.8M+77.6%	$5.5M-43.6%	$9.8M+41.6%	$6.9M+139.1%	$2.9M-95.1%	$59.6M+3299.5%	$1.8M+71.4%	$1.0M+135.5%	$434K-27.9%	$602K-23.8%	$790K+173.4%	$289K+6.3%	$272K-1.4%	$276K
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Inventory	$54.1M-51.8%	$112.2M+4.4%	$107.5M-1.7%	$109.3M-5.2%	$115.3M+40.2%	$82.3M+125.9%	$36.4M-2.9%	$37.5M+11.5%	$33.6M+11.6%	$30.1M+0.8%	$29.9M-12.8%	$34.3M+13.8%	$30.1M-8.3%	$32.8M+20.5%	$27.2M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$22.8M0.0%	$22.8M+58.3%	$14.4M+23.1%	$11.7M+35.7%	$8.6M+18.4%	$7.3M+6.8%	$6.8M+1820.3%	$355K0.0%	$355K0.0%	$355K0.0%	$355K0.0%	$355K0.0%	$355K0.0%	$355K0.0%	$355K
Total Liabilities	$970.8M-6.3%	$1.0B+3.0%	$1.0B+9.9%	$915.8M+35.1%	$677.8M+63.2%	$415.3M+14.0%	$364.2M+57.2%	$231.6M+3.1%	$224.6M+17.7%	$190.8M+7.8%	$177.1M+3.9%	$170.4M+13.7%	$149.9M-3.7%	$155.6M+23.4%	$126.1M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$194K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$445.6M-21.8%	$569.4M+21.0%	$470.6M-5.6%	$498.4M+4.6%	$476.4M+17.2%	$406.4M+34.3%	$302.7M+16.2%	$260.4M+13.0%	$230.4M-1.1%	$232.9M+1.8%	$228.7M-0.1%	$229.0M+7.6%	$212.9M+5.3%	$202.2M+9.7%	$184.4M
Retained Earnings	$533.1M-20.7%	$672.3M+2.7%	$654.4M-4.6%	$685.8M+3.1%	$665.4M+17.8%	$565.0M+22.6%	$460.9M+12.5%	$409.6M+13.1%	$362.0M+11.2%	$325.5M+6.6%	$305.4M+3.9%	$293.8M+11.1%	$264.3M+8.7%	$243.3M+15.2%	$211.1M

Metric	Q1'2710-Q	Q4'2610-Q	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q
Total Assets	$1.2B-25.0%	$1.4B-11.8%	$1.6B+1.2%	$1.7B+9.1%	$1.6B+5.0%	$1.6B+8.7%	$1.6B+9.6%	$1.6B+5.9%
Cash & Equivalents	$27.5M+184.8%	$47.0M+378.8%	$117.9M+1282.0%	$122.4M+1428.4%	$9.7M+103.6%	$9.8M+77.6%	$8.5M+101.3%	$8.0M+85.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Inventory	$35.2M-68.7%	$54.1M-51.8%	$101.2M-29.7%	$104.8M-14.2%	$112.5M-1.8%	$112.2M+4.4%	$143.9M+31.7%	$122.1M+7.3%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$22.8M-3.8%	$22.8M0.0%	$22.8M0.0%	$23.7M+3.5%	$23.7M+3.5%	$22.8M+58.3%	$22.8M+57.2%	$22.9M+97.4%
Total Liabilities	$829.3M-20.5%	$970.8M-6.3%	$1.1B+9.4%	$1.2B+13.8%	$1.0B-1.6%	$1.0B+3.0%	$1.0B+5.1%	$1.0B+1.1%
Total Equity	$376.4M-33.4%	$445.6M-21.8%	$479.3M-14.1%	$555.0M+0.3%	$564.8M+19.9%	$569.4M+21.0%	$557.8M+19.0%	$553.6M+16.2%
Retained Earnings	$464.1M-30.4%	$533.1M-20.7%	$567.3M-14.3%	$644.0M-2.2%	$666.5M+2.0%	$672.3M+2.7%	$661.6M+1.2%	$658.5M-0.6%

Not reported in any period shown, so not listed: Current Assets, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CRMT Cash Flow Statement

CRMT quarterly cash flow statement

Metric	TTM	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Operating Cash Flow	$150.9M	$65.0M+233.2%	-$48.8M+34.0%	-$73.9M+45.6%	-$135.7M-13.9%	-$119.2M-121.5%	-$53.8M-357.3%	$20.9M-16.0%	$24.9M+149.2%	$10.0M+36.3%	$7.3M-48.7%	$14.3M+15.3%	$12.4M-43.4%	$21.9M+1737.4%	-$1.3M-111.4%	$11.7M
Depreciation & Amortization	N/A	$8.2M+7.3%	$7.6M+11.3%	$6.9M+22.7%	$5.6M+38.9%	$4.0M+8.4%	$3.7M-3.1%	$3.8M-3.3%	$4.0M-6.6%	$4.3M-0.5%	$4.3M+1.5%	$4.2M+9.9%	$3.8M+16.6%	$3.3M+16.2%	$2.8M+21.3%	$2.3M
Stock-Based Compensation	N/A	$3.7M-20.9%	$4.7M+12.8%	$4.2M-21.5%	$5.3M-3.3%	$5.5M-7.8%	$6.0M+26.0%	$4.7M+27.8%	$3.7M+131.0%	$1.6M+24.0%	$1.3M-14.9%	$1.5M+94.7%	$780K-43.9%	$1.4M-24.9%	$1.9M-14.7%	$2.2M
Capital Expenditures	$1.4M	$1.8M-53.5%	$3.9M-36.7%	$6.1M-72.2%	$22.1M+39.9%	$15.8M+76.5%	$9.0M+65.1%	$5.4M+34.6%	$4.0M+78.4%	$2.3M+42.3%	$1.6M-64.9%	$4.5M+12.9%	$4.0M-43.5%	$7.1M+23.9%	$5.7M+28.6%	$4.5M
Free Cash Flow	$149.5M	$63.1M+219.9%	-$52.7M+34.2%	-$80.0M+49.3%	-$157.8M-16.9%	-$135.0M-115.1%	-$62.8M-505.1%	$15.5M-25.8%	$20.9M+169.8%	$7.7M+34.6%	$5.7M-41.1%	$9.8M+16.5%	$8.4M-43.3%	$14.8M+309.3%	-$7.1M-197.5%	$7.2M
Investing Cash Flow	-$291K	-$1.5M+86.6%	-$11.4M-6.9%	-$10.6M+61.4%	-$27.6M-58.9%	-$17.4M-110.1%	-$8.3M+16.5%	-$9.9M-154.3%	-$3.9M-128.1%	-$1.7M-160.2%	-$655K+85.5%	-$4.5M-16.0%	-$3.9M+45.1%	-$7.1M-28.5%	-$5.5M-24.4%	-$4.4M
Financing Cash Flow	-$162.1M	-$56.3M-162.4%	$90.2M-18.7%	$111.0M-41.2%	$188.7M+7.1%	$176.2M+3161.6%	$5.4M-88.4%	$46.8M+330.6%	-$20.3M-163.4%	-$7.7M-12.5%	-$6.8M+31.2%	-$10.0M-24.6%	-$8.0M+45.9%	-$14.8M-315.5%	$6.8M+195.0%	-$7.2M
Dividends Paid	N/A	N/A	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K0.0%	$40K
Share Buybacks	$251K	$297K-31.6%	$434K+18.9%	$365K-93.0%	$5.2M-85.0%	$34.7M+226.8%	$10.6M-33.7%	$16.0M-39.8%	$26.6M-37.2%	$42.3M+106.5%	$20.5M+44.1%	$14.2M-29.0%	$20.0M+57.0%	$12.8M-26.3%	$17.3M-56.0%	$39.4M

Metric	Q1'2710-Q	Q4'2610-Q	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q
Operating Cash Flow	$80.1M+1453.0%	$67.7M+252.5%	-$5.9M+80.8%	$9.1M+140.7%	-$5.9M+60.5%	$19.2M+279.2%	-$30.8M-337.5%	-$22.2M+27.6%
Depreciation & Amortization	$1.8M-15.8%	$1.9M-1.1%	$2.0M+7.9%	$2.1M+9.1%	$2.1M+13.5%	$1.9M+10.0%	$1.9M+10.4%	$1.9M+13.6%
Stock-Based Compensation	-$190K-116.4%	N/A	N/A	N/A	$1.2M-12.6%	N/A	N/A	N/A
Capital Expenditures	$90K-80.4%	$289K-63.9%	$278K-63.0%	$784K-42.0%	$459K-53.4%	$801K-37.5%	$751K-72.3%	$1.4M+75.6%
Free Cash Flow	$80.0M+1354.2%	$67.4M+266.2%	-$6.2M+80.3%	$8.3M+135.1%	-$6.4M+60.0%	$18.4M+253.4%	-$31.5M-407.8%	-$23.6M+25.1%
Investing Cash Flow	$791K+280.2%	-$154K+80.3%	-$241K+67.9%	-$687K+48.3%	-$439K+94.8%	-$783K+40.5%	-$751K+90.3%	-$1.3M-79.9%
Financing Cash Flow	-$102.5M-3257.7%	-$172.9M-753.6%	-$7.8M-127.8%	$121.2M+121.8%	$3.2M-88.3%	-$20.3M-270.2%	$28.2M+650.7%	$54.6M+61.8%
Dividends Paid	$10K0.0%	N/A	$10K0.0%	$10K0.0%	$10K0.0%	$10K0.0%	$10K0.0%	$10K0.0%
Share Buybacks	$25K-64.8%	-$2K0.0%	$23K+15.0%	$205K-47.2%	$71K+195.8%	$2K-93.1%	$20K-92.5%	$388K

CRMT Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CRMT quarterly financial ratios

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Gross Margin	48.2%+0.4pp	47.8%+2.2pp	45.6%+2.8pp	42.8%-1.9pp	44.7%-2.7pp	47.3%+11.8pp	35.5%-0.7pp	36.3%0.0pp	36.3%-0.3pp	36.6%+1.1pp	35.5%-2.2pp	37.7%+0.3pp	37.5%-0.6pp	38.0%0.0pp	38.0%
Net Margin	-10.9%-12.2pp	1.3%+3.5pp	-2.3%-3.7pp	1.5%-6.5pp	8.0%-3.5pp	11.5%+4.6pp	6.9%-0.2pp	7.1%+1.2pp	6.0%+2.5pp	3.4%+1.4pp	2.0%-3.5pp	5.6%+1.2pp	4.3%-2.6pp	6.9%-0.8pp	7.7%
Return on Equity	-31.2%-34.4pp	3.1%+9.8pp	-6.7%-10.8pp	4.1%-15.8pp	19.9%-5.9pp	25.8%+8.8pp	17.0%-1.3pp	18.3%+2.4pp	15.8%+7.2pp	8.7%+3.6pp	5.1%-7.8pp	12.9%+3.0pp	9.9%-6.0pp	15.9%-2.0pp	17.9%
Return on Assets	-9.8%-10.9pp	1.1%+3.2pp	-2.1%-3.6pp	1.4%-6.8pp	8.2%-4.5pp	12.8%+5.1pp	7.7%-2.0pp	9.7%+1.7pp	8.0%+3.3pp	4.8%+1.9pp	2.9%-4.5pp	7.4%+1.6pp	5.8%-3.2pp	9.0%-1.6pp	10.6%
Debt-to-Equity	2.18+0.4x	1.82-0.3x	2.14+0.3x	1.84+0.4x	1.42+0.4x	1.02-0.2x	1.20+1.2x	0.00-1.0x	0.97+0.2x	0.820.0x	0.770.0x	0.740.0x	0.70-0.1x	0.77+0.1x	0.68
Asset Turnover	0.900.0x	0.87-0.1x	0.940.0x	0.990.0x	1.03-0.1x	1.110.0x	1.12-0.2x	1.360.0x	1.340.0x	1.390.0x	1.40+0.1x	1.330.0x	1.350.0x	1.30-0.1x	1.38
FCF Margin	4.9%+8.7pp	-3.8%+1.9pp	-5.7%+5.5pp	-11.3%+0.1pp	-11.3%-4.4pp	-6.9%-9.0pp	2.1%-1.0pp	3.1%+1.9pp	1.3%+0.3pp	1.0%-0.7pp	1.7%+0.1pp	1.6%-1.4pp	3.0%+4.5pp	-1.5%-3.2pp	1.7%

Metric	Q1'2710-Q	Q4'2610-Q	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q
Gross Margin	51.8%+3.1pp	44.9%-1.9pp	50.2%+2.2pp	48.9%-1.2pp	48.7%+2.3pp	46.8%+1.4pp	48.0%+0.8pp	50.1%+4.8pp
Net Margin	-47.3%-45.6pp	-11.3%-14.2pp	-26.8%-27.7pp	-6.4%-7.9pp	-1.7%-1.4pp	2.9%+2.8pp	1.0%+3.8pp	1.5%+9.1pp
Return on Equity	-18.3%-17.3pp	-7.7%-9.6pp	-16.0%-16.6pp	-4.0%-5.0pp	-1.0%-0.8pp	1.9%+1.8pp	0.6%+2.4pp	0.9%+6.7pp
Return on Assets	-5.7%-5.4pp	-2.4%-3.1pp	-4.7%-4.9pp	-1.3%-1.6pp	-0.4%-0.3pp	0.7%+0.6pp	0.2%+0.8pp	0.3%+2.2pp
Debt-to-Equity	2.20+0.4x	2.18+0.4x	2.39+0.5x	2.09+0.2x	1.85-0.4x	1.82-0.3x	1.88-0.2x	1.84-0.3x
Asset Turnover	0.12-0.1x	0.210.0x	0.180.0x	0.200.0x	0.210.0x	0.230.0x	0.200.0x	0.220.0x
FCF Margin	54.9%+56.7pp	22.2%+17.3pp	-2.2%+7.5pp	2.4%+9.2pp	-1.9%+2.7pp	5.0%+8.2pp	-9.7%-13.1pp	-6.8%+2.0pp

Not reported in any period shown, so not listed: Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
America's Car Mart Inc CRMT	FY2026	$1.3B	-$139.2M	-10.9%	$15.8M	—
SunCar Technology Group Inc. SDA	FY2024	$441.9M	-$64.5M	-14.6%	$62.1M	30/100
Vroom, Inc. VRM	FY2025	$157.5M	-$53.0M	-33.7%	$53.7M	33/100
Kingsway Finl KFS	FY2025	$135.0M	-$10K	0.0%	$307.2M	26/100
Jiuzi Holdings Inc JZXN	FY2025	$2.9M	-$10.2M	N/A	$595K	53/100

Where America's Car Mart Inc Ranks

Frequently Asked Questions

What is America's Car Mart Inc's annual revenue?

America's Car Mart Inc (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 America's Car Mart Inc's revenue growing?

America's Car Mart Inc (CRMT) revenue declined by 7.9% year-over-year, from $1.4B to $1.3B in fiscal year 2026.

Is America's Car Mart Inc profitable?

No, America's Car Mart Inc (CRMT) reported a net income of -$139.2M in fiscal year 2026, with a net profit margin of -10.9%.

What is America's Car Mart Inc's gross margin?

America's Car Mart Inc (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 America's Car Mart Inc's net profit margin?

America's Car Mart Inc (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 America's Car Mart Inc's return on equity (ROE)?

America's Car Mart Inc (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 America's Car Mart Inc's free cash flow?

America's Car Mart Inc (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 America's Car Mart Inc's operating cash flow?

America's Car Mart Inc (CRMT) generated $65.0M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

What are America's Car Mart Inc's total assets?

America's Car Mart Inc (CRMT) had $1.4B in total assets as of fiscal year 2026, including both current and long-term assets.

What are America's Car Mart Inc's capital expenditures?

America's Car Mart Inc (CRMT) invested $1.8M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

Does America's Car Mart Inc buy back shares?

Yes, America's Car Mart Inc (CRMT) spent $297K on share buybacks during fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

How many shares does America's Car Mart Inc have outstanding?

America's Car Mart Inc (CRMT) had 8M shares outstanding as of fiscal year 2026.

What is America's Car Mart Inc's debt-to-equity ratio?

America's Car Mart Inc (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 America's Car Mart Inc's return on assets (ROA)?

America's Car Mart Inc (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 America's Car Mart Inc's P/E ratio?

America's Car Mart Inc (CRMT) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to July 31, 2026). The market capitalization is $15.8M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is America's Car Mart Inc's price-to-sales ratio?

America's Car Mart Inc (CRMT) trades at 0.0x sales, its market capitalization divided by revenue of $1.1B revenue, trailing 12 months to July 31, 2026. The market capitalization is $15.8M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is America's Car Mart Inc's Piotroski F-Score?

America's Car Mart Inc (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 America's Car Mart Inc's earnings high quality?

America's Car Mart Inc (CRMT) reported a net loss of $139.2M while generating $65.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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.