America’s Car-Mart [CRMT] vs Kingsway Financial [KFS] Detailed Stock Comparison

America's Car-Mart

NASDAQ

Kingsway Financial

NYSE

TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: America's Car-Mart wins in 12 metrics, Kingsway Financial wins in 5 metrics, with 0 ties. America's Car-Mart appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	America's Car-Mart	Kingsway Financial	Better
P/E Ratio (TTM)	19.16	8.42	Kingsway Financial
Price-to-Book Ratio	0.65	23.21	America's Car-Mart
Debt-to-Equity Ratio	148.28	171.75	America's Car-Mart
PEG Ratio	14.83	0.13	Kingsway Financial
EV/EBITDA	11.92	92.08	America's Car-Mart
Profit Margin (TTM)	1.29%	-9.19%	America's Car-Mart
Operating Margin (TTM)	8.14%	-1.01%	America's Car-Mart
EBITDA Margin (TTM)	8.14%	N/A	N/A
Return on Equity	3.45%	-37.49%	America's Car-Mart
Return on Assets (TTM)	3.80%	-0.70%	America's Car-Mart
Free Cash Flow (TTM)	$-52.65M	$358,000	Kingsway Financial
1-Year Return	-30.91%	76.26%	Kingsway Financial
Price-to-Sales Ratio (TTM)	0.27	3.45	America's Car-Mart
Enterprise Value	$1.21B	$478.52M	America's Car-Mart
EV/Revenue Ratio	0.87	4.01	America's Car-Mart
Gross Profit Margin (TTM)	46.81%	N/A	N/A
Revenue per Share (TTM)	$184	$4	America's Car-Mart
Earnings per Share (Diluted)	$2.33	$-0.43	America's Car-Mart
Beta (Stock Volatility)	1.32	0.22	Kingsway Financial

Performance

Key Stats

Valuation

Financials

Short Interest

Dividends

America's Car-Mart vs Kingsway Financial Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
America's Car-Mart	-1.07%	-19.39%	-17.46%	-30.47%	-5.84%	-27.48%
Kingsway Financial	-1.54%	-2.23%	-0.28%	7.43%	86.07%	70.89%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
America's Car-Mart	-30.91%	-53.75%	-63.17%	4.63%	42.65%	74.16%
Kingsway Financial	76.26%	112.58%	382.13%	191.68%	102.75%	-80.26%

Performance & Financial Health Analysis: America's Car-Mart vs Kingsway Financial

Metric	CRMT	KFS
Market Information
Market Cap i	$298.82M	$408.48M
Market Cap Category	Small cap	Small cap
10 Day Avg. Volume i	102,580	69,700
90 Day Avg. Volume i	94,800	62,007
Last Close	$36.12	$14.03
52 Week Range	$34.02 - $62.72	$7.06 - $16.80
% from 52W High	-42.41%	-16.49%
All-Time High	$177.45 (May 24, 2021)	$94.96 (Oct 16, 2006)
% from All-Time High	-79.64%	-85.23%
Growth Metrics
Quarterly Revenue Growth	0.02%	0.16%
Quarterly Earnings Growth	23.97%	0.16%
Financial Health
Profit Margin (TTM) i	0.01%	-0.09%
Operating Margin (TTM) i	0.08%	-0.01%
Return on Equity (TTM) i	0.03%	-0.37%
Debt to Equity (MRQ) i	148.28	171.75
Cash & Liquidity
Book Value per Share (MRQ)	$68.91	$0.61
Cash per Share (MRQ)	$1.19	$0.42
Operating Cash Flow (TTM) i	$-48,764,000	$-1,200,000
Levered Free Cash Flow (TTM) i	$-65,208,500	$3.28M
Dividends
Last 12-Month Dividend Yield i	N/A	N/A
Last 12-Month Dividend i	N/A	$0.00

Valuation & Enterprise Metrics Analysis: America's Car-Mart vs Kingsway Financial

Metric	CRMT	KFS
Price Ratios
P/E Ratio (TTM) i	19.16	8.42
Forward P/E i	14.83	N/A
PEG Ratio i	14.83	0.13
Price to Sales (TTM) i	0.27	3.45
Price to Book (MRQ) i	0.65	23.21
Market Capitalization
Market Capitalization i	$298.82M	$408.48M
Enterprise Value i	$1.21B	$478.52M
Enterprise Value Metrics
Enterprise to Revenue i	0.87	4.01
Enterprise to EBITDA i	11.92	92.08
Risk & Other Metrics
Beta i	1.32	0.22
Book Value per Share (MRQ) i	$68.91	$0.61

Financial Statements Comparison: America's Car-Mart vs Kingsway Financial

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)	CRMT	KFS
Revenue/Sales i	$370.17M	$28.66M
Cost of Goods Sold i	$196.90M	N/A
Gross Profit i	$173.28M	N/A
Research & Development i	N/A	N/A
Operating Income (EBIT) i	$30.03M	N/A
EBITDA i	$31.97M	N/A
Pre-Tax Income i	$12.48M	$-3.36M
Income Tax i	$1.84M	$-264,000
Net Income (Profit) i	$10.64M	$-3.09M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	CRMT	KFS
Cash & Equivalents i	$9.81M	$6.37M
Total Current Assets i	$1.42B	N/A
Total Current Liabilities i	$372.09M	N/A
Long-Term Debt i	$639.01M	$62.40M
Total Shareholders Equity i	$569.92M	$21.47M
Retained Earnings i	$672.26M	$-364.89M
Property, Plant & Equipment i	$63.83M	N/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	CRMT	KFS
Operating Cash Flow i	$-74.91M	$-3.77M
Capital Expenditures i	$-783,000	$-63,000
Free Cash Flow i	$18.42M	$-1.86M
Debt Repayment i	$-160.07M	$-8.53M
Common Stock Repurchase i	$-2,000	$-345,000

Short Interest & Institutional Ownership Analysis

Metric	CRMT	KFS
Shares Short i	797,214	775,824
Short Ratio i	8.84	16.29
Short % of Float i	0.14%	0.06%
Average Daily Volume (10 Day) i	102,580	69,700
Average Daily Volume (90 Day) i	94,800	62,007
Shares Outstanding i	8.26M	27.14M
Float Shares i	5.92M	15.64M
% Held by Insiders i	0.15%	0.28%
% Held by Institutions i	0.85%	0.51%

Dividend Analysis & Yield Comparison: America's Car-Mart vs Kingsway Financial

Metric	CRMT	KFS
Last 12-Month Dividend i	N/A	$0.00
Last 12-Month Dividend Yield i	N/A	N/A
3-Year Avg Annual Dividend i	N/A	$0.00
3-Year Avg Dividend Yield i	N/A	N/A
3-Year Total Dividends i	N/A	$0.00
Ex-Dividend Date	N/A	N/A

America's Car-Mart [CRMT] vs Kingsway Financial [KFS] Detailed Stock Comparison