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 (CRMT) Financials

CRMT NASDAQ

Trailing 12 months to July 31, 2026

Revenue $1.1B -21.6% YoY

Net Income -$202.4M -1642.6% YoY

EPS (Diluted) -$24.36 -1550.0% YoY

Free Cash Flow $149.5M n/m YoY

Market Cap $7.2M as of Oct 28, 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 Oct 28, 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 2026-10-25

FY2026 shows a thin-margin business where inventory release supported cash while higher overhead and interest overwhelmed gross-profit strength.

FY2026 turned a net loss into positive operating cash flow of $65M, reversing the prior year's negative cash generation. Because free cash flow reached $63M while inventory fell 51.8%, the improvement appears driven more by working-capital release than reinvestment.

Gross margin expanded to 48.2% even as revenue fell 7.9%, so weaker volume was not the main pressure on profitability. SG&A reached $208M while interest expense reached $74M; together they overwhelmed gross-profit resilience.

Liabilities represented 68.5% of assets, and total equity fell 21.8%, leaving the balance sheet more dependent on creditors than the prior year. With capital expenditures at 0.1% of revenue, FY2026 cash generation came alongside unusually light reinvestment rather than expansion spending.

Financial Health Signals

Financial Health Score (4 of 6 dimensions) 27/100

Scored against operating companies for FY2026. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of America's Car Mart Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Growth

America's Car Mart Inc's revenue declined 7.9% year-over-year, from $1.4B to $1.3B. This contraction results in a growth score of 18/100.

Leverage

Liquidity

n/a

Not available for America's Car Mart Inc, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Cash Flow

America's Car Mart Inc's free cash flow margin of 4.9% results in a low score of 26/100. Capital expenditures of $1.8M absorb a large share of operating cash flow.

Returns

n/a

Not available for America's Car Mart Inc, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

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

YoYn/m

QoQn/m

America's Car Mart Inc reported a net loss of $69.0M in Q1 2027. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EPS (Diluted)

-$8.28

YoYn/m

QoQn/m

America's Car Mart Inc earned -$8.28 per diluted share (EPS) in Q1 2027. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EBITDA

Not reported for Q1 2027.

Cash & Balance Sheet

Free Cash Flow

$80.0M

YoYn/m

QoQ+18.6%

5Y CAGRn/m

10Y CAGRn/m

America's Car Mart Inc generated $80.0M in free cash flow in Q1 2027, representing cash available after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. 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; no long-term debt figure is on record 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-56.2pp

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-10.7pp

5Y change-24.3pp

10Y change-21.4pp

America's Car Mart Inc's quarterly ROE was -18.3% in Q1 2027: one quarter's net income over shareholder equity, not annualized. This is down 17.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 10.7 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%	$4.9Mn/m	-$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%	$17.9Mn/m	-$31.4M-254.1%	$20.4M-78.5%	$95.0M-9.4%	$104.8M+104.1%	$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%	$2.38n/m	-$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%	$2.33n/m	-$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-K	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	$149Kn/m	-$2.2M-218.0%	$40.0M+3155.9%	-$5.0M-348.4%	-$1.7Mn/m	$1.8M+1112.5%	$1.2Mn/m	$2.0Mn/m
Net Income	-$69.0Mn/m	-$34.2M-422.0%	-$76.7M-2533.8%	-$22.5M-541.8%	-$5.7Mn/m	$10.6M+2454.1%	$3.2Mn/m	$5.1Mn/m
EPS (Basic)	-$8.28n/m	-$4.12-390.1%	-$9.25-2534.2%	-$2.71-537.1%	-$0.69n/m	$1.42+1928.6%	$0.38n/m	$0.62n/m
EPS (Diluted)	-$8.28n/m	-$4.12-396.4%	-$9.25-2600.0%	-$2.71-544.3%	-$0.69n/m	$1.39+1885.7%	$0.37n/m	$0.61n/m
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
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
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	$572.0M+3.3%	$553.6M+17.5%	$471.4M+19.0%	$396.0M	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-K	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%
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%
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%
Long-Term Debt	N/A	N/A	N/A	N/A	$610.8M+2.2%	$572.0M+3.3%	$722.2M+5.5%	$656.4M+13.4%
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, Short-Term Investments, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

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	$65.0Mn/m	-$48.8Mn/m	-$73.9Mn/m	-$135.7Mn/m	-$119.2Mn/m	-$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%	$21.9Mn/m	-$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	$63.1Mn/m	-$52.7Mn/m	-$80.0Mn/m	-$157.8Mn/m	-$135.0Mn/m	-$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%	$14.8Mn/m	-$7.1M-197.5%	$7.2M
Investing Cash Flow	-$291K	-$1.5Mn/m	-$11.4Mn/m	-$10.6Mn/m	-$27.6Mn/m	-$17.4Mn/m	-$8.3Mn/m	-$9.9Mn/m	-$3.9Mn/m	-$1.7Mn/m	-$655Kn/m	-$4.5Mn/m	-$3.9Mn/m	-$7.1Mn/m	-$5.5Mn/m	-$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%	$46.8Mn/m	-$20.3Mn/m	-$7.7Mn/m	-$6.8Mn/m	-$10.0Mn/m	-$8.0Mn/m	-$14.8M-315.5%	$6.8Mn/m	-$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-K	Q3'2610-Q	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q
Operating Cash Flow	$80.1Mn/m	$67.7M+252.5%	-$5.9Mn/m	$9.1Mn/m	-$5.9Mn/m	$19.2Mn/m	-$30.8M-337.5%	-$22.2Mn/m
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	$80.0Mn/m	$67.4M+266.2%	-$6.2Mn/m	$8.3Mn/m	-$6.4Mn/m	$18.4Mn/m	-$31.5M-407.8%	-$23.6Mn/m
Investing Cash Flow	$791Kn/m	-$154Kn/m	-$241Kn/m	-$687Kn/m	-$439Kn/m	-$783Kn/m	-$751Kn/m	-$1.3Mn/m
Financing Cash Flow	-$102.5M-3257.7%	-$172.9Mn/m	-$7.8M-127.8%	$121.2M+121.8%	$3.2M-88.3%	-$20.3M-270.2%	$28.2Mn/m	$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%	$388Kn/m

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%-5.8pp	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	12.7%+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	N/A	1.00-0.2x	1.18+0.2x	0.95+0.1x	0.83	N/A	N/A	0.00	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Liabilities-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+0.3x	0.89-0.1x	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-K	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%-14.1pp	-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%-9.5pp	-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	N/A	N/A	N/A	N/A	1.08-0.2x	1.00-0.2x	1.29-0.2x	1.190.0x
Liabilities-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%	$7.2M	27/100
SunCar Technology Group Inc. SDA	FY2024	$441.9M	-$68.7M	-15.5%	$22.6M	30/100
Vroom, Inc. VRM	FY2025	$157.5M	-$54.0M	-34.3%	$44.0M	40/100
Jiuzi Holdings, Inc. JZXN	FY2025	$2.9M	-$10.2M	N/A	$53.6M	65/100

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 loss of $202.4M over the trailing 12 months to July 31, 2026. In fiscal year 2026 it reported a net loss of $139.2M, 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. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. 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 liabilities-to-equity ratio?

America's Car Mart Inc (CRMT) had a liabilities-to-equity ratio of 2.18 as of fiscal year 2026, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2026, because the filing data we hold for that year carries no long-term debt figure.

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 $7.2M as of Oct 28, 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 $1.1B revenue, trailing 12 months to July 31, 2026. The market capitalization is $7.2M as of Oct 28, 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.

How financially healthy is America's Car Mart Inc?

America's Car Mart Inc (CRMT) scores 27 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is the average of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For America's Car Mart Inc it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.