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America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. It sells older model used vehicles; and offers financing solutions to customers who purchase vehicles at its dealerships. The company was formerly known as Crown Group, Inc. and changed its name to America's Car-Mart, Inc. in April 2002. America's Car-Mart, Inc. was founded in 1981 and is headquartered in Rogers, Arkansas.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Americas Car-Mart operates used-vehicle retail stores and provides in-house financing primarily to non-prime customers in small and mid-sized U.S. markets. Long-term growth drivers include controlled store expansion, higher penetration of captive financing and F&I products, and scale advantages in sourcing and reconditioning vehicles. The company appears positioned to benefit from steady demand in the non-prime used-car segment and a vertically integrated retail-finance model.
Key investment risks include credit losses tied to subprime lending, sensitivity to used-vehicle price and supply volatility, and heightened exposure to economic downturns or regulatory changes that could weaken sales and loan performance.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-04-30 | 2025-04-30 | 2024-04-30 | 2023-04-30 | 2022-04-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-04-30 | 2025-04-30 | 2024-04-30 | 2023-04-30 | 2022-04-30 |
| Income before tax | -107.98M | 22.80M | -40.13M | 25.79M | 120.40M |
| Net income | -139.15M | 17.89M | -31.39M | 20.43M | 93.31M |
| Selling general administrative | 208.08M | 188.92M | 179.42M | 176.70M | 156.13M |
| Gross profit | 617.44M | 664.88M | 628.48M | 599.62M | 548.73M |
| Reconciled depreciation | 8.21M | 7.65M | 6.87M | 5.60M | 4.03M |
| Ebit | -108.02M | 93.41M | 25.21M | 64.47M | 131.47M |
| Ebitda | -99.81M | 101.06M | 32.08M | 70.07M | 135.50M |
| Depreciation and amortization | 8.21M | 7.65M | 6.87M | 5.60M | 4.03M |
| Non operating income net other | - | - | - | -0.36M | -0.15M |
| Operating income | -108.10M | 93.75M | 25.65M | 64.47M | 131.47M |
| Other operating expenses | 1389.52M | 1297.18M | 1368.24M | 1341.03M | 1080.89M |
| Interest expense | 74.49M | 70.65M | 65.35M | 38.31M | 10.92M |
| Tax provision | 31.13M | 4.87M | -8.74M | 5.36M | 27.09M |
| Net interest income | -74.49M | -70.65M | -65.35M | -38.31M | -10.92M |
| Income tax expense | 31.13M | 4.87M | -8.74M | 5.36M | 27.09M |
| Total revenue | 1281.50M | 1390.93M | 1393.89M | 1405.50M | 1212.37M |
| Total operating expenses | 725.50M | 571.13M | 602.83M | 535.16M | 417.26M |
| Cost of revenue | 664.02M | 726.05M | 765.42M | 805.87M | 663.63M |
| Total other income expense net | 0.12M | -70.95M | -65.78M | -38.67M | -11.07M |
| Net income from continuing ops | -139.11M | 17.93M | -31.39M | 20.43M | 93.31M |
| Net income applicable to common shares | - | - | - | 20.39M | 93.27M |
| Preferred stock and other adjustments | - | - | - | -0.04M | 0.04M |
| Breakdown | 2026-04-30 | 2025-04-30 | 2024-04-30 | 2023-04-30 | 2022-04-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-04-30 | 2025-04-30 | 2024-04-30 | 2023-04-30 | 2022-04-30 |
| Total assets | 1416.84M | 1606.47M | 1477.64M | 1420.43M | 1145.31M |
| Other current assets | 119.56M | 114.73M | 88.92M | 58.24M | 44.72M |
| Total liab | 971.18M | 1036.55M | 1006.49M | 1123.01M | 675.95M |
| Total stockholder equity | 445.56M | 569.82M | 471.05M | 297.42M | 469.37M |
| Deferred long term liab | - | - | - | 39.31M | 28.23M |
| Other current liab | 35.90M | 16.35M | 3.76M | -80.26M | 7.62M |
| Common stock | 0.16M | 0.16M | 0.14M | 0.14M | 0.14M |
| Capital stock | 0.56M | 0.56M | 0.54M | 0.00M | 0.54M |
| Retained earnings | 533.11M | 672.26M | 654.37M | 685.80M | 658.24M |
| Other liab | - | - | - | 159.78M | 235.29M |
| Good will | 22.77M | 22.80M | 14.45M | 11.72M | 8.62M |
| Other assets | - | - | -31.28M | - | 1145.31M |
| Cash | 46.96M | 9.81M | 5.52M | 9.80M | 6.92M |
| Total current liabilities | 164.38M | 372.08M | 353.80M | 638.60M | 27.67M |
| Current deferred revenue | 96.41M | 113.25M | 120.78M | 53.06M | 43.94M |
| Net debt | 725.24M | 835.26M | 814.00M | 628.80M | 495.22M |
| Short term debt | - | 206.06M | 201.64M | 638.60M | -43.94M |
| Short long term debt | - | 206.06M | 200.82M | 638.60M | - |
| Short long term debt total | 772.20M | 845.07M | 819.52M | 638.60M | 502.14M |
| Other stockholder equity | -87.71M | -103.00M | -183.86M | -686.34M | 102.81M |
| Property plant equipment | - | - | - | 61.68M | 51.44M |
| Total current assets | 1307.79M | 1424.87M | 1310.37M | 1251.09M | 1026.42M |
| Net tangible assets | - | - | - | 487.13M | 469.37M |
| Net receivables | 1087.20M | 1188.11M | 1108.46M | 1073.76M | 859.49M |
| Long term debt | 722.37M | 572.01M | 553.63M | 471.37M | 395.99M |
| Inventory | 54.07M | 112.23M | 107.47M | 109.29M | 115.30M |
| Accounts payable | 32.06M | 34.98M | 21.38M | 27.20M | 20.05M |
| Noncontrolling interest in consolidated entity | - | - | - | 0.10M | 0.10M |
| Accumulated other comprehensive income | 0.00M | - | 0.40M | 297.42M | -292.23M |
| Common stock total equity | - | - | - | 0.14M | 0.14M |
| Retained earnings total equity | - | - | - | 685.80M | 658.24M |
| Treasury stock | - | - | - | - | -292.23M |
| Non currrent assets other | 31.35M | 38.08M | 31.28M | -2.51M | -28.23M |
| Non current assets total | 109.05M | 181.60M | 167.27M | 169.34M | 118.89M |
| Capital lease obligations | 49.83M | 67.00M | 64.25M | 62.30M | 61.48M |
| Long term debt total | - | - | - | 471.37M | 395.99M |
| Breakdown | 2026-04-30 | 2025-04-30 | 2024-04-30 | 2023-04-30 | 2022-04-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-04-30 | 2025-04-30 | 2024-04-30 | 2023-04-30 | 2022-04-30 |
| Investments | 0.00M | -11.38M | -10.64M | -25.33M | -1.34M |
| Change to liabilities | - | - | - | -0.36M | 35.68M |
| Total cashflows from investing activities | -1.52M | -11.38M | -10.64M | -27.57M | -22.24M |
| Net borrowings | -34.21M | 25.60M | 117.43M | 192.48M | 218.26M |
| Total cash from financing activities | -56.41M | 90.23M | 110.96M | 188.75M | 176.22M |
| Change to operating activities | - | - | - | -732.92M | -592.06M |
| Net income | -139.11M | 17.93M | -31.39M | 20.43M | 93.31M |
| Change in cash | 7.11M | 30.09M | 26.41M | -17.14M | 39.69M |
| Begin period cash flow | 124.54M | 94.45M | 68.03M | 42.59M | 2.89M |
| End period cash flow | 131.65M | 124.54M | 94.45M | 25.45M | 42.59M |
| Total cash from operating activities | 64.96M | -48.76M | -73.90M | -137.97M | -114.28M |
| Issuance of capital stock | 0.22M | 74.11M | 0.28M | 0.29M | 0.29M |
| Depreciation | 8.21M | 7.65M | 6.87M | 5.60M | 4.03M |
| Other cashflows from investing activities | 0.29M | -3.85M | 0.32M | 0.08M | 0.02M |
| Dividends paid | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M |
| Change to inventory | 180.29M | 114.57M | 139.19M | 130.91M | 50.88M |
| Change to account receivables | -474.72M | -605.70M | -624.12M | -726.67M | -592.06M |
| Sale purchase of stock | -0.30M | -0.43M | -0.36M | -5.20M | -34.70M |
| Other cashflows from financing activities | -22.08M | 90.70M | -6.35M | 193.98M | 392.40M |
| Change to netincome | - | - | - | 367.40M | 287.43M |
| Capital expenditures | 1.81M | 3.85M | 6.15M | 22.23M | 20.90M |
| Change receivables | - | - | - | -1.19M | -1.56M |
| Cash flows other operating | - | - | - | -666.12M | -537.43M |
| Cash and cash equivalents changes | - | - | - | 25.45M | 39.69M |
| Change in working capital | -300.00M | -483.43M | -495.80M | -541.98M | -490.60M |
| Stock based compensation | 3.72M | 4.71M | 4.17M | 5.31M | 5.50M |
| Other non cash items | 465.08M | 409.08M | 463.75M | 363.79M | 265.25M |
| Free cash flow | 63.15M | -52.61M | -80.04M | -160.21M | -135.19M |
Sector: Consumer Cyclical Industry: Auto & Truck Dealerships
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| CRMT Americas Car-Mart Inc |
-0.04 3.75% |
1.02 | - | 28.33 | 0.01 | 0.04 | 0.61 | 41.00 |
| KMX CarMax Inc |
-0.82 1.46% |
55.35 | 24.45 | 20.04 | 0.42 | 1.97 | 1.14 | 21.00 |
| PAG Penske Automotive Group Inc |
-0.20 0.09% |
212.14 | 9.64 | 10.66 | 0.37 | 2.37 | 0.60 | 9.29 |
| SIETY D’Ieteren NV ADR |
- -% |
98.15 | 22.04 | 10.83 | 1.34 | 637.15 | 1.34 | 12.51 |
| SIEVF D'Ieteren Group SA |
- -% |
196.20 | 21.29 | 10.48 | 1.29 | 616.10 | 1.34 | 12.51 |
America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. It sells older model used vehicles; and offers financing solutions to customers who purchase vehicles at its dealerships. The company was formerly known as Crown Group, Inc. and changed its name to America's Car-Mart, Inc. in April 2002. America's Car-Mart, Inc. was founded in 1981 and is headquartered in Rogers, Arkansas.
| Name | Title | Year Born |
|---|---|---|
| Mr. Jeffrey A. Williams | CEO & Director | 1963 |
| Ms. Vickie D. Judy CPA | Chief Financial Officer | 1967 |
| Mr. Leonard L. Walthall | Chief Operating Officer | 1966 |
| Mr. Douglas Campbell | Pres | NA |
| Mr. W. Brett Papasan | Chief Legal Officer | NA |
| Mr. Brian Stone | Exec. VP of Procurement & Inventory | NA |
| Ms. Holly Thomson | Chief Digital Officer | NA |
| Mr. Douglas Campbell | CEO, President & Director | 1976 |
| Mr. Brian Stone | Executive Vice President of Procurement & Inventory | NA |
| Mr. Douglas W. Campbell | CEO, President & Director | 1977 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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Basic Materials
-2.08%
Communication Services
-0.42%
Consumer Cyclical
-0.25%
Consumer Defensive
+0.37%
Energy
-0.13%
Financial Services
-0.90%
Financials
+2.38%
Healthcare
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Industrials
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Real Estate
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Technology
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Utilities
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Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
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