America's Car-Mart Inc. | Small-cap | Consumer Cyclical
$36.12
-1.07%
| America's Car-Mart Stock Comparison:
America's Car-Mart vs CarvanaAmerica's Car-Mart vs Penske AutomotiveAmerica's Car-Mart vs Mister Car WashAmerica's Car-Mart vs Camping WorldAmerica's Car-Mart vs Kingsway FinancialAmerica's Car-Mart vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Apr 2025

Income Metrics

Revenue 370.2M
Gross Profit 173.3M 46.81%
Operating Income 30.0M 8.11%
Net Income 10.6M 2.87%

Balance Sheet Metrics

Total Assets 1.6B
Total Liabilities 1.0B
Shareholders Equity 569.9M
Debt to Equity 1.82

Cash Flow Metrics

Operating Cash Flow -74.9M
Free Cash Flow 18.4M

Revenue & Profitability Trend

America's Car-Mart Income Statement From 2021 to 2025

Metric20252024202320222021
Revenue i1.4B1.4B1.4B1.2B909.7M
Cost of Goods Sold i726.1M758.5M800.8M658.6M479.2M
Gross Profit i664.9M635.3M599.6M531.9M430.5M
Gross Margin % i47.8%45.6%42.8%44.7%47.3%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i188.9M179.4M176.7M156.1M130.9M
Other Operating Expenses i-----
Total Operating Expenses i188.9M179.4M176.7M156.1M130.9M
Operating Income i93.8M25.6M64.5M133.7M142.1M
Operating Margin % i6.7%1.8%4.6%11.2%15.6%
Non-Operating Items
Interest Income i-----
Interest Expense i70.6M65.3M38.3M10.9M6.8M
Other Non-Operating Income-299.0K-437.0K-361.0K-149.0K40.0K
Pre-tax Income i22.8M-40.1M25.8M122.6M135.3M
Income Tax i4.9M-8.7M5.4M27.6M30.5M
Effective Tax Rate % i21.4%0.0%20.8%22.5%22.5%
Net Income i17.9M-31.4M20.4M95.0M104.8M
Net Margin % i1.3%-2.3%1.5%8.0%11.5%
Key Metrics
EBITDA i101.4M32.5M70.1M137.7M145.8M
EPS (Basic) i-$-4.92$3.20$14.33$15.70
EPS (Diluted) i-$-4.92$3.11$13.67$14.95
Basic Shares Outstanding i-6388537637122965096736628749
Diluted Shares Outstanding i-6388537637122965096736628749

Income Statement Trend

America's Car-Mart Balance Sheet From 2021 to 2025

Metric20252024202320222021
Assets
Current Assets
Cash & Equivalents i9.8M5.5M9.8M6.9M2.9M
Short-term Investments i-----
Accounts Receivable i1.2B1.1B1.1B863.7M625.1M
Inventory i112.2M107.5M109.3M115.3M82.3M
Other Current Assets--21.4M15.1M-
Total Current Assets i1.4B1.3B1.3B1.0B719.8M
Non-Current Assets
Property, Plant & Equipment i63.8M61.2M59.1M58.8M60.4M
Goodwill i45.6M28.9M23.4M17.2M14.6M
Intangible Assets i-----
Long-term Investments-----
Other Non-Current Assets38.1M31.3M26.0M--
Total Non-Current Assets i181.6M167.3M158.6M112.9M102.4M
Total Assets i1.6B1.5B1.4B1.2B822.2M
Liabilities
Current Liabilities
Accounts Payable i35.0M21.4M27.2M20.1M18.2M
Short-term Debt i206.1M200.8M167.2M-1.8M
Current Portion of Long-term Debt-----
Other Current Liabilities-----
Total Current Liabilities i372.1M353.8M323.1M27.7M25.3M
Non-Current Liabilities
Long-term Debt i639.0M617.9M533.7M502.1M288.8M
Deferred Tax Liabilities i17.5M24.0M47.9M37.8M25.9M
Other Non-Current Liabilities-----
Total Non-Current Liabilities i664.5M652.7M592.7M650.1M389.9M
Total Liabilities i1.0B1.0B915.8M677.8M415.3M
Equity
Common Stock i156.0K137.0K137.0K136.0K136.0K
Retained Earnings i672.3M654.4M685.8M665.4M565.0M
Treasury Stock i298.2M297.8M297.4M292.2M257.5M
Other Equity-----
Total Shareholders Equity i569.9M471.2M498.9M476.9M406.9M
Key Metrics
Total Debt i845.1M818.7M700.9M502.1M290.6M
Working Capital i1.1B956.6M933.1M1.0B694.4M

Balance Sheet Composition

America's Car-Mart Cash Flow Statement From 2021 to 2025

Metric20252024202320222021
Operating Activities
Net Income i17.9M-31.4M20.4M95.0M104.8M
Depreciation & Amortization i7.6M6.9M5.6M4.0M3.7M
Stock-Based Compensation i4.7M4.2M5.3M5.5M6.0M
Working Capital Changes i-494.8M-479.1M-553.5M-485.3M-347.0M
Operating Cash Flow i-434.3M-481.3M-482.7M-349.4M-205.9M
Investing Activities
Capital Expenditures i-3.8M-5.8M-22.0M-15.8M-8.3M
Acquisitions i-----
Investment Purchases i-7.5M-4.8M-5.5M-1.6M0
Investment Sales i-----
Investing Cash Flow i-11.4M-10.6M-27.6M-17.4M-8.3M
Financing Activities
Share Repurchases i-434.0K-365.0K-5.2M-34.7M-10.6M
Dividends Paid i-40.0K-40.0K-40.0K-40.0K-40.0K
Debt Issuance i1.3B1.2B924.7M731.1M73.3M
Debt Repayment i-1.2B-1.0B-730.0M-511.0M-63.1M
Financing Cash Flow i90.2M111.4M187.5M177.7M1.4M
Free Cash Flow i-52.7M-80.0M-157.8M-135.0M-62.8M
Net Change in Cash i-355.4M-380.5M-322.8M-189.0M-212.8M

Cash Flow Trend

America's Car-Mart Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 19.16
Forward P/E 14.83
Price to Book 0.65
Price to Sales 0.27
PEG Ratio 14.83

Profitability Ratios

Profit Margin 1.29%
Operating Margin 8.14%
Return on Equity 3.45%
Return on Assets 3.80%

Financial Health

Current Ratio 17.74
Debt to Equity 148.28
Beta 1.32

Per Share Data

EPS (TTM) $2.33
Book Value per Share $68.91
Revenue per Share $184.14

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
crmt298.8M19.160.653.45%1.29%148.28
Carvana 117.5B90.1328.5988.53%3.46%291.92
Penske Automotive 12.4B13.062.2118.09%3.13%151.23
Mister Car Wash 1.9B21.771.738.62%8.48%167.06
Camping World 1.1B36.553.26-5.46%-0.13%722.89
Kingsway Financial 408.5M8.4223.21-37.49%-9.19%171.75

Financial data is updated regularly. All figures are in the company's reporting currency.