America's Car-Mart (CRMT) Financials

$46.64 +0.21 (+0.45%)

Closing price 04:00 PM Eastern

Extended Trading

$46.56 -0.08 (-0.17%)

As of 04:05 PM Eastern

Annual Income Statements for America's Car-Mart

This table shows America's Car-Mart's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	95	20	-31
Consolidated Net Income / (Loss)	95	20	-31
Net Income / (Loss) Continuing Operations	95	20	-31
Total Pre-Tax Income	123	26	-40
Total Operating Income	134	64	25
Total Gross Profit	532	600	635
Total Revenue	1,191	1,400	1,394
Operating Revenue	1,191	1,400	1,394
Total Cost of Revenue	659	801	759
Operating Cost of Revenue	659	801	759
Total Operating Expenses	398	536	610
Selling, General & Admin Expense	156	177	179
Depreciation Expense	4.03	5.60	6.87
Other Operating Expenses / (Income)	238	353	423
Other Special Charges / (Income)	0.15	0.36	0.44
Total Other Income / (Expense), net	-11	-38	-65
Interest Expense	11	38	65
Income Tax Expense	28	5.36	-8.74
Preferred Stock Dividends Declared	0.04	0.04	0.04
Basic Earnings per Share	$14.59	$3.20	($4.92)
Weighted Average Basic Shares Outstanding	6.51M	6.37M	6.39M
Diluted Earnings per Share	$13.92	$3.11	($4.92)
Weighted Average Diluted Shares Outstanding	6.82M	6.57M	6.39M
Weighted Average Basic & Diluted Shares Outstanding	6.37M	6.37M	6.40M

This table shows America's Car-Mart's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q2 2025	Q3 2025
Net Income / (Loss) Attributable to Common Shareholders	19	27	4.18	3.13	1.50	2.08	-0.97	-27	-8.55	5.09	3.15
Consolidated Net Income / (Loss)	19	27	4.19	3.14	1.51	2.09	-0.96	-27	-8.54	5.10	3.16
Net Income / (Loss) Continuing Operations	19	27	4.19	3.14	1.51	2.09	-0.96	-27	-8.54	5.10	3.16
Total Pre-Tax Income	25	35	5.22	4.06	1.76	2.25	-1.18	-36	-10	7.12	4.39
Total Operating Income	28	39	19	12	12	15	17	-19	-10	25	4.39
Total Gross Profit	130	201	164	146	144	165	161	163	141	174	156
Total Revenue	287	338	367	352	325	384	348	360	300	347	326
Operating Revenue	287	338	367	352	325	384	348	360	300	347	326
Total Cost of Revenue	157	137	203	206	182	220	187	197	158	173	169
Operating Cost of Revenue	157	191	203	206	182	220	187	197	158	173	169
Total Operating Expenses	102	162	145	133	132	150	144	182	152	149	152
Selling, General & Admin Expense	39	41	46	43	45	46	47	45	44	47	46
Depreciation Expense	0.95	1.21	1.69	1.31	1.54	1.61	1.88	1.70	1.71	1.93	1.89
Other Operating Expenses / (Income)	62	-	96	89	86	102	95	135	106	100	104
Other Special Charges / (Income)	0.04	0.06	0.17	0.24	0.07	0.04	0.05	0.07	0.12	0.04	0.04
Total Other Income / (Expense), net	-2.94	-3.48	-14	-8.35	-9.77	-13	-18	-17	0.00	-18	0.00
Income Tax Expense	6.14	7.91	1.03	0.92	0.25	0.17	-0.22	-8.13	-1.80	2.02	1.23
Preferred Stock Dividends Declared	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Basic Earnings per Share	$2.95	$4.27	$0.65	$0.49	$0.24	$0.32	($0.15)	($4.30)	($1.34)	$0.62	$0.38
Weighted Average Basic Shares Outstanding	6.49M	6.51M	6.38M	6.37M	6.37M	6.37M	6.40M	6.39M	6.39M	8.15M	8.26M
Diluted Earnings per Share	$2.82	$4.12	$0.63	$0.48	$0.23	$0.33	($0.15)	($4.30)	($1.34)	$0.61	$0.37
Weighted Average Diluted Shares Outstanding	6.78M	6.82M	6.64M	6.55M	6.54M	6.57M	6.40M	6.39M	6.39M	8.29M	8.41M
Weighted Average Basic & Diluted Shares Outstanding	6.44M	6.37M	6.38M	6.37M	6.37M	6.37M	6.40M	6.39M	6.39M	8.25M	8.26M

This table details how cash moves in and out of America's Car-Mart's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	40	25	26
Net Cash From Operating Activities	-119	-136	-74
Net Cash From Continuing Operating Activities	-119	-136	-74
Net Income / (Loss) Continuing Operations	95	20	-31
Consolidated Net Income / (Loss)	95	20	-31
Depreciation Expense	4.03	5.60	6.87
Amortization Expense	0.78	5.46	5.14
Non-Cash Adjustments To Reconcile Net Income	-327	-343	-161
Changes in Operating Assets and Liabilities, net	108	176	107
Net Cash From Investing Activities	-17	-28	-11
Net Cash From Continuing Investing Activities	-17	-28	-11
Purchase of Property, Plant & Equipment	-16	-22	-6.15
Purchase of Investments	-1.57	-5.55	-4.82
Sale of Property, Plant & Equipment	0.02	0.08	0.32
Net Cash From Financing Activities	176	189	111
Net Cash From Continuing Financing Activities	176	189	111
Repayment of Debt	-517	-732	-1,053
Repurchase of Common Equity	-35	-5.20	-0.37
Payment of Dividends	-0.04	-0.04	-0.04
Issuance of Debt	729	925	1,165
Issuance of Common Equity	0.29	0.29	0.28
Other Financing Activities, net	-1.49	1.22	-0.46

This table details how cash moves in and out of America's Car-Mart's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q3 2025
Net Change in Cash & Equivalents	0.48	40	24	-4.79	28	2.56	4.17	22	0.10	-0.14	-3.33
Net Cash From Operating Activities	-33	-17	-45	-35	-29	-12	-15	-61	13	-11	-31
Net Cash From Continuing Operating Activities	-33	-17	-45	-35	-29	-12	-15	-61	13	-11	-31
Net Income / (Loss) Continuing Operations	19	26	4.19	3.14	1.51	2.09	-0.96	-22	-8.54	0.43	3.16
Consolidated Net Income / (Loss)	19	26	4.19	3.14	1.51	2.09	-0.96	-22	-8.54	0.43	3.16
Depreciation Expense	0.95	1.21	1.69	1.31	1.54	1.61	1.88	1.51	1.71	1.77	1.89
Amortization Expense	0.21	0.22	1.29	1.38	0.85	1.27	1.27	1.52	1.21	1.15	1.41
Non-Cash Adjustments To Reconcile Net Income	-76	-90	-82	-96	-65	-83	-53	-60	-7.49	-41	-44
Changes in Operating Assets and Liabilities, net	23	46	29	55	32	67	36	18	26	27	6.73
Net Cash From Investing Activities	-8.13	-2.15	-0.85	-7.35	-10	-3.15	-8.51	6.93	-7.74	-1.32	-0.75
Net Cash From Continuing Investing Activities	-8.13	-2.15	-0.85	-7.35	-10	-3.15	-8.51	6.93	-7.74	-1.32	-0.75
Purchase of Property, Plant & Equipment	-7.04	-1.92	-1.38	-7.13	-4.95	-3.10	-0.99	-1.16	-2.72	-1.28	-0.75
Net Cash From Financing Activities	41	59	70	37	67	17	28	77	-5.12	12	28
Net Cash From Continuing Financing Activities	41	59	70	37	67	17	28	77	-5.12	12	28
Repayment of Debt	-34	-415	-394	-84	-444	-125	-259	-273	-388	-136	-335
Repurchase of Common Equity	-6.54	-8.20	-0.07	-	-	-	-0.02	-0.04	-0.27	-0.03	-0.02
Payment of Dividends	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Issuance of Debt	82	482	465	122	511	143	287	350	383	148	363
Issuance of Common Equity	0.08	0.07	0.08	0.06	0.07	0.06	0.08	0.07	0.08	0.06	0.07

This table presents America's Car-Mart's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	1,155	1,415	1,478
Total Current Assets	178	219	243
Cash & Equivalents	6.92	9.80	5.52
Restricted Cash	36	58	89
Accounts Receivable	4.93	6.12	6.91
Inventories, net	115	109	107
Prepaid Expenses	15	26	31
Current Deferred & Refundable Income Taxes	0.27	9.26	2.96
Plant, Property, & Equipment, net	45	62	60
Total Noncurrent Assets	931	1,134	1,174
Noncurrent Note & Lease Receivables	864	1,063	1,099
Goodwill	8.62	12	14
Other Noncurrent Operating Assets	59	59	61
Total Liabilities & Shareholders' Equity	1,155	1,415	1,478
Total Liabilities	678	916	1,006
Total Current Liabilities	53	55	49
Accounts Payable	20	27	21
Accrued Expenses	33	28	28
Current Deferred & Payable Income Tax Liabilities	-	-	0.00
Other Current Liabilities	0.00	0.00	0.00
Total Noncurrent Liabilities	625	861	957
Long-Term Debt	441	471	554
Noncurrent Deferred Revenue	92	120	121
Noncurrent Deferred & Payable Income Tax Liabilities	30	39	18
Other Noncurrent Operating Liabilities	61	230	265
Commitments & Contingencies	0.00	0.00	0.00
Redeemable Noncontrolling Interest	0.40	0.40	0.40
Total Equity & Noncontrolling Interests	477	499	471
Total Preferred & Common Equity	476	498	471
Preferred Stock	0.00	0.00	0.00
Total Common Equity	476	498	471
Common Stock	103	110	114
Retained Earnings	665	686	654
Treasury Stock	-292	-297	-298
Noncontrolling Interest	0.10	0.10	0.10

This table presents America's Car-Mart's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q2 2025	Q3 2025
Total Assets	1,045	1,505	1,306	81	1,531	1,487	1,467	1,575	1,607
Total Current Assets	136	244	1,174	0.00	255	1,265	243	295	316
Cash & Equivalents	2.60	6.31	4.53	0.00	4.75	4.31	4.24	8.01	8.53
Restricted Cash	-	86	33	-	94	-	90	122	118
Accounts Receivable	4.22	6.76	992	-	7.51	1,113	7.37	7.57	7.06
Inventories, net	120	117	130	0.00	115	114	109	122	144
Prepaid Expenses	9.13	22	9.49	-	33	30	31	35	38
Current Deferred & Refundable Income Taxes	0.04	5.14	4.39	-	0.94	3.40	0.81	0.00	0.00
Plant, Property, & Equipment, net	46	61	65	69	60	60	61	59	58
Total Noncurrent Assets	863	1,200	67	12	1,217	163	1,163	1,221	1,234
Noncurrent Note & Lease Receivables	797	1,127	-	-	1,126	-	1,086	1,133	1,146
Goodwill	8.60	12	8.85	12	23	12	15	23	23
Other Noncurrent Operating Assets	58	62	59	0.00	68	151	63	66	64
Total Liabilities & Shareholders' Equity	1,045	1,505	1,306	0.00	1,531	1,487	1,467	1,575	1,607
Total Liabilities	594	1,000	813	0.00	1,060	1,010	998	1,021	1,049
Total Current Liabilities	52	62	58	36	68	51	53	69	69
Accounts Payable	23	32	25	-	36	22	26	34	33
Accrued Expenses	29	30	33	36	33	28	27	34	36
Current Deferred & Payable Income Tax Liabilities	0.00	-	-	-	-	-	-	1.56	0.53
Other Current Liabilities	0.00	0.00	0.00	-	0.00	-	0.00	0.00	0.00
Total Noncurrent Liabilities	542	938	755	616	992	960	945	952	980
Long-Term Debt	373	712	552	616	597	579	685	656	722
Noncurrent Deferred Revenue	82	126	107	-	122	126	118	107	108
Noncurrent Deferred & Payable Income Tax Liabilities	26	36	36	0.00	17	25	20	12	9.46
Other Noncurrent Operating Liabilities	60	65	61	-	256	230	121	176	141
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00
Redeemable Noncontrolling Interest	0.40	0.40	0.40	0.00	0.40	0.40	0.40	0.40	0.40
Total Equity & Noncontrolling Interests	451	505	492	495	471	477	469	554	558
Total Preferred & Common Equity	450	505	492	0.00	471	477	469	554	558
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	450	505	492	0.00	471	477	469	554	558
Common Stock	103	112	107	0.00	115	111	113	193	194
Retained Earnings	632	690	682	0.00	653	663	654	658	662
Treasury Stock	-284	-297	-297	0.00	-298	-297	-298	-298	-298
Noncontrolling Interest	0.10	0.10	0.10	0.00	0.10	0.10	0.10	0.10	0.10

This table displays calculated financial ratios and metrics derived from America's Car-Mart's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	30.87%	17.63%	-0.47%
EBITDA Growth	-5.40%	-45.67%	-50.48%
EBIT Growth	-6.05%	-52.00%	-60.67%
NOPAT Growth	-6.02%	-50.92%	-65.24%
Net Income Growth	-9.36%	-78.50%	-253.65%
EPS Growth	-7.51%	-77.66%	-258.20%
Operating Cash Flow Growth	-121.47%	-13.89%	45.55%
Free Cash Flow Firm Growth	-477.11%	116.60%	-144.26%
Invested Capital Growth	38.91%	3.12%	3.11%
Revenue Q/Q Growth	6.08%	3.40%	0.00%
EBITDA Q/Q Growth	-11.97%	-22.89%	0.00%
EBIT Q/Q Growth	-12.55%	-27.04%	0.00%
NOPAT Q/Q Growth	-12.94%	-25.69%	0.00%
Net Income Q/Q Growth	-14.95%	-55.41%	0.00%
EPS Q/Q Growth	-13.65%	-54.93%	0.00%
Operating Cash Flow Q/Q Growth	-1.84%	3.37%	1.40%
Free Cash Flow Firm Q/Q Growth	-6.75%	-97.22%	0.00%
Invested Capital Q/Q Growth	6.51%	1,892.45%	0.00%
Profitability Metrics	-	-	-
Gross Margin	44.68%	42.82%	45.58%
EBITDA Margin	11.62%	5.37%	2.67%
Operating Margin	11.22%	4.58%	1.81%
EBIT Margin	11.22%	4.58%	1.81%
Profit (Net Income) Margin	7.98%	1.46%	-2.25%
Tax Burden Percent	77.48%	79.21%	78.22%
Interest Burden Percent	91.82%	40.24%	-159.18%
Effective Tax Rate	22.52%	20.79%	0.00%
Return on Invested Capital (ROIC)	13.75%	5.71%	1.93%
ROIC Less NNEP Spread (ROIC-NNEP)	11.03%	-1.86%	-9.45%
Return on Net Nonoperating Assets (RNNOA)	7.75%	-1.53%	-8.40%
Return on Equity (ROE)	21.50%	4.19%	-6.47%
Cash Return on Invested Capital (CROIC)	-18.82%	2.64%	-1.14%
Operating Return on Assets (OROA)	13.51%	4.99%	1.74%
Return on Assets (ROA)	9.61%	1.59%	-2.17%
Return on Common Equity (ROCE)	21.48%	4.18%	-6.47%
Return on Equity Simple (ROE_SIMPLE)	19.94%	4.10%	-6.67%
Net Operating Profit after Tax (NOPAT)	103	51	18
NOPAT Margin	8.69%	3.63%	1.27%
Net Nonoperating Expense Percent (NNEP)	2.72%	7.57%	11.37%
Cost of Revenue to Revenue	55.32%	57.18%	54.42%
SG&A Expenses to Revenue	13.11%	12.62%	12.87%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	33.46%	38.24%	43.77%
Earnings before Interest and Taxes (EBIT)	134	64	25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	138	75	37
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.09	1.03	0.78
Price to Tangible Book Value (P/TBV)	1.11	1.05	0.80
Price to Revenue (P/Rev)	0.44	0.37	0.26
Price to Earnings (P/E)	5.48	25.11	0.00
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	18.24%	3.98%	0.00%
Enterprise Value to Invested Capital (EV/IC)	1.05	1.02	0.89
Enterprise Value to Revenue (EV/Rev)	0.77	0.65	0.59
Enterprise Value to EBITDA (EV/EBITDA)	6.64	12.18	22.18
Enterprise Value to EBIT (EV/EBIT)	6.88	14.29	32.74
Enterprise Value to NOPAT (EV/NOPAT)	8.88	18.04	46.78
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	38.97	0.00
Leverage & Solvency	-	-	-
Debt to Equity	0.92	0.94	1.18
Long-Term Debt to Equity	0.92	0.94	1.18
Financial Leverage	0.70	0.82	0.89
Leverage Ratio	2.24	2.63	2.98
Compound Leverage Factor	2.05	1.06	-4.75
Debt to Total Capital	48.02%	48.58%	54.02%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	48.02%	48.58%	54.02%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.05%	0.05%	0.05%
Common Equity to Total Capital	51.92%	51.37%	45.93%
Debt to EBITDA	3.18	6.27	14.87
Net Debt to EBITDA	2.88	5.37	12.34
Long-Term Debt to EBITDA	3.18	6.27	14.87
Debt to NOPAT	4.26	9.28	31.37
Net Debt to NOPAT	3.85	7.94	26.02
Long-Term Debt to NOPAT	4.26	9.28	31.37
Altman Z-Score	2.81	2.29	2.00
Noncontrolling Interest Sharing Ratio	0.11%	0.10%	0.10%
Liquidity Ratios	-	-	-
Current Ratio	3.38	3.97	4.94
Quick Ratio	0.22	0.29	0.25
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-142	24	-10
Operating Cash Flow to CapEx	-755.44%	-616.33%	-1,267.55%
Free Cash Flow to Firm to Interest Expense	-12.97	0.61	-0.16
Operating Cash Flow to Interest Expense	-10.91	-3.54	-1.13
Operating Cash Flow Less CapEx to Interest Expense	-12.36	-4.12	-1.22
Efficiency Ratios	-	-	-
Asset Turnover	1.20	1.09	0.96
Accounts Receivable Turnover	287.12	253.68	214.08
Inventory Turnover	6.67	7.13	7.00
Fixed Asset Turnover	29.71	26.15	22.84
Accounts Payable Turnover	34.43	33.90	31.23
Days Sales Outstanding (DSO)	1.27	1.44	1.70
Days Inventory Outstanding (DIO)	54.74	51.18	52.15
Days Payable Outstanding (DPO)	10.60	10.77	11.69
Cash Conversion Cycle (CCC)	45.41	41.86	42.17
Capital & Investment Metrics	-	-	-
Invested Capital	875	902	930
Invested Capital Turnover	1.58	1.58	1.52
Increase / (Decrease) in Invested Capital	245	27	28
Enterprise Value (EV)	919	916	826
Market Capitalization	521	512	366
Book Value per Share	$73.98	$78.25	$73.63
Tangible Book Value per Share	$72.65	$76.41	$71.37
Total Capital	918	970	1,025
Total Debt	441	471	554
Total Long-Term Debt	441	471	554
Net Debt	398	403	459
Capital Expenditures (CapEx)	16	22	5.83
Debt-free, Cash-free Net Working Capital (DFCFNWC)	83	96	99
Debt-free Net Working Capital (DFNWC)	125	164	194
Net Working Capital (NWC)	125	164	194
Net Nonoperating Expense (NNE)	8.46	30	49
Net Nonoperating Obligations (NNO)	398	403	459
Total Depreciation and Amortization (D&A)	4.81	11	12
Debt-free, Cash-free Net Working Capital to Revenue	6.96%	6.83%	7.13%
Debt-free Net Working Capital to Revenue	10.54%	11.68%	13.91%
Net Working Capital to Revenue	10.54%	11.68%	13.91%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$14.33	$3.20	($4.92)
Adjusted Weighted Average Basic Shares Outstanding	6.51M	6.37M	6.39M
Adjusted Diluted Earnings per Share	$13.67	$3.11	($4.92)
Adjusted Weighted Average Diluted Shares Outstanding	6.82M	6.57M	6.39M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	6.37M	6.37M	6.40M
Normalized Net Operating Profit after Tax (NOPAT)	104	51	18
Normalized NOPAT Margin	8.70%	3.65%	1.29%
Pre Tax Income Margin	10.30%	1.84%	-2.88%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	12.23	1.67	0.39
NOPAT to Interest Expense	9.48	1.33	0.27
EBIT Less CapEx to Interest Expense	10.79	1.10	0.30
NOPAT Less CapEx to Interest Expense	8.03	0.75	0.18
Payout Ratios	-	-	-
Dividend Payout Ratio	0.04%	0.20%	-0.13%
Augmented Payout Ratio	36.56%	25.63%	-1.29%

This table displays calculated financial ratios and metrics derived from America's Car-Mart's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q2 2025	Q3 2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	25.86%	25.26%	30.84%	23.65%	13.24%	13.61%	-5.19%	2.26%	-7.91%	-3.48%	8.72%
EBITDA Growth	3.25%	-31.82%	-35.38%	-55.48%	-52.65%	-55.37%	-9.77%	-205.91%	-153.35%	269.39%	203.65%
EBIT Growth	2.82%	-33.02%	-42.22%	-62.08%	-59.17%	-61.14%	-12.13%	-253.20%	-189.74%	232.35%	142.45%
NOPAT Growth	0.80%	-33.72%	-41.07%	-62.17%	-53.77%	-53.62%	-23.30%	-238.64%	-173.28%	235.48%	143.68%
Net Income Growth	-3.73%	-37.79%	-83.23%	-86.60%	-92.12%	-92.40%	-123.03%	-974.90%	-666.45%	118.57%	137.02%
EPS Growth	-1.05%	-34.81%	-82.35%	-85.92%	-91.84%	-91.99%	-123.81%	-995.83%	-682.61%	114.19%	127.61%
Operating Cash Flow Growth	-236.42%	-15.01%	-44.61%	9.93%	11.90%	28.68%	67.02%	-76.10%	144.95%	0.00%	-337.51%
Free Cash Flow Firm Growth	-554.56%	-141.19%	-138.17%	-21.13%	441.58%	93.82%	139.66%	75.77%	-229.94%	80.85%	91.04%
Invested Capital Growth	44.12%	38.91%	62.53%	32.58%	-94.49%	3.12%	-13.64%	4.40%	2,239.64%	2.76%	8.94%
Revenue Q/Q Growth	0.97%	17.78%	8.40%	3.84%	-7.53%	18.16%	-9.53%	3.46%	-16.72%	0.00%	-6.20%
EBITDA Q/Q Growth	-13.35%	37.14%	-44.23%	-46.17%	-7.84%	29.26%	12.76%	-178.85%	53.58%	0.00%	-71.60%
EBIT Q/Q Growth	-13.73%	37.70%	-49.85%	-50.50%	-7.12%	31.07%	13.40%	-210.98%	45.59%	0.00%	-82.55%
NOPAT Q/Q Growth	-15.78%	41.26%	-48.21%	-50.46%	2.93%	41.69%	-14.35%	-210.98%	45.59%	0.00%	-82.46%
Net Income Q/Q Growth	-18.29%	43.58%	-84.77%	-77.08%	-51.96%	38.46%	-146.17%	-2,748.86%	68.90%	0.00%	-37.99%
EPS Q/Q Growth	-17.30%	46.10%	-84.71%	-76.81%	-52.08%	43.48%	-145.45%	-2,766.67%	68.84%	0.00%	-39.34%
Operating Cash Flow Q/Q Growth	15.14%	49.55%	-175.03%	42.50%	17.00%	59.16%	-27.18%	-308.48%	121.19%	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	-17.16%	6.62%	-93.89%	42.38%	430.37%	-101.69%	1,344.49%	-134.90%	-1,671.39%	0.00%	-728.93%
Invested Capital Q/Q Growth	8.12%	6.51%	28.42%	-10.35%	-95.50%	1,892.45%	7.55%	8.38%	0.74%	0.00%	6.79%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	45.27%	59.42%	44.75%	41.41%	44.11%	42.85%	46.35%	45.31%	47.18%	50.12%	48.00%
EBITDA Margin	10.23%	11.91%	6.13%	4.29%	4.28%	4.68%	5.83%	-4.44%	-2.48%	7.80%	2.36%
Operating Margin	9.83%	11.49%	5.31%	3.53%	3.54%	3.93%	4.93%	-5.28%	-3.45%	7.24%	1.35%
EBIT Margin	9.83%	11.49%	5.31%	3.53%	3.54%	3.93%	4.93%	-5.28%	-3.45%	7.24%	1.35%
Profit (Net Income) Margin	6.66%	8.12%	1.14%	0.89%	0.46%	0.54%	-0.28%	-7.63%	-2.85%	1.47%	0.97%
Tax Burden Percent	75.70%	77.66%	80.19%	77.35%	85.73%	92.68%	81.49%	77.16%	82.60%	71.66%	72.03%
Interest Burden Percent	89.57%	91.05%	26.78%	32.70%	15.26%	14.92%	-6.91%	187.23%	100.00%	28.29%	100.00%
Effective Tax Rate	24.30%	22.34%	19.81%	22.65%	14.27%	7.32%	0.00%	0.00%	0.00%	28.34%	27.97%
Return on Invested Capital (ROIC)	12.00%	14.11%	6.00%	4.06%	9.49%	5.74%	4.55%	-4.99%	-5.96%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	11.23%	13.24%	3.42%	2.52%	30.58%	2.77%	2.23%	-7.59%	-7.82%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	7.95%	9.31%	3.27%	2.27%	-2.57%	2.27%	2.55%	-8.53%	-1.14%	0.00%	0.00%
Return on Equity (ROE)	19.95%	23.42%	9.27%	6.33%	6.92%	8.01%	7.10%	-13.52%	-7.10%	0.00%	0.00%
Cash Return on Invested Capital (CROIC)	-19.07%	-18.82%	-37.48%	-18.91%	194.87%	2.64%	19.28%	-2.25%	-182.53%	0.00%	0.00%
Operating Return on Assets (OROA)	12.34%	13.84%	5.64%	4.07%	8.53%	4.28%	4.48%	-5.26%	-6.08%	0.00%	0.00%
Return on Assets (ROA)	8.37%	9.78%	1.21%	1.03%	1.12%	0.59%	-0.25%	-7.59%	-5.02%	0.00%	0.00%
Return on Common Equity (ROCE)	19.92%	23.39%	9.26%	6.32%	3.30%	8.00%	7.09%	-13.50%	-3.45%	0.00%	0.00%
Return on Equity Simple (ROE_SIMPLE)	24.80%	0.00%	14.71%	12.89%	0.00%	0.00%	3.24%	-3.22%	-5.41%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	21	30	16	9.60	9.88	14	12	-13	-7.24	18	3.16
NOPAT Margin	7.44%	8.92%	4.26%	2.73%	3.04%	3.64%	3.45%	-3.70%	-2.42%	5.19%	0.97%
Net Nonoperating Expense Percent (NNEP)	0.77%	0.87%	2.58%	1.54%	-21.09%	2.97%	2.32%	2.60%	1.86%	2.35%	0.00%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	-0.63%	-	0.25%
Cost of Revenue to Revenue	54.73%	40.58%	55.25%	58.59%	55.89%	57.15%	53.65%	54.69%	52.82%	49.88%	52.00%
SG&A Expenses to Revenue	13.64%	12.11%	12.67%	12.20%	13.75%	11.92%	13.43%	12.47%	14.54%	13.65%	14.26%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	35.44%	47.93%	39.44%	37.88%	40.57%	38.92%	41.43%	50.59%	50.63%	42.88%	46.65%
Earnings before Interest and Taxes (EBIT)	28	39	19	12	12	15	17	-19	-10	25	4.39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	29	40	22	15	14	18	20	-16	-7.42	27	7.69
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.37	1.09	1.50	0.88	0.00	1.03	0.94	0.90	0.83	0.45	0.72
Price to Tangible Book Value (P/TBV)	1.40	1.11	1.54	0.90	0.00	1.05	0.99	0.92	0.86	0.47	0.75
Price to Revenue (P/Rev)	0.55	0.44	0.59	0.33	0.41	0.37	0.32	0.31	0.29	0.00	0.00
Price to Earnings (P/E)	5.53	5.48	10.23	6.86	11.98	25.11	29.06	0.00	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	18.07%	18.24%	9.78%	14.57%	8.35%	3.98%	3.44%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	1.20	1.05	1.23	0.94	25.72	1.02	0.97	0.95	0.92	0.72	0.86
Enterprise Value to Revenue (EV/Rev)	0.88	0.77	1.08	0.72	0.86	0.65	0.68	0.72	0.72	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	6.29	6.64	10.94	8.41	11.95	12.18	12.91	24.01	47.97	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	6.48	6.88	11.56	9.09	13.25	14.29	15.26	33.07	115.85	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	8.32	8.88	14.96	11.81	17.05	18.04	19.37	47.24	165.50	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	1.38	38.97	4.67	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.83	0.92	1.41	1.12	1.24	0.94	1.27	1.21	1.46	1.18	1.29
Long-Term Debt to Equity	0.83	0.92	1.41	1.12	1.24	0.94	1.27	1.21	1.46	1.18	1.29
Financial Leverage	0.71	0.70	0.96	0.90	-0.08	0.82	1.14	1.12	0.15	1.07	1.15
Leverage Ratio	2.19	2.24	2.59	2.45	1.19	2.63	3.11	2.88	1.60	2.97	2.99
Compound Leverage Factor	1.96	2.04	0.69	0.80	0.18	0.39	-0.21	5.39	1.60	0.84	2.99
Debt to Total Capital	45.28%	48.02%	58.49%	52.83%	55.44%	48.58%	55.89%	54.83%	59.33%	54.23%	56.40%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	45.28%	48.02%	58.49%	52.83%	55.44%	48.58%	55.89%	54.83%	59.33%	54.23%	56.40%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.06%	0.05%	0.04%	0.05%	0.00%	0.05%	0.05%	0.05%	0.04%	0.04%	0.04%
Common Equity to Total Capital	54.66%	51.92%	41.47%	47.13%	0.00%	51.37%	44.06%	45.12%	40.63%	45.73%	43.56%
Debt to EBITDA	2.37	3.18	5.65	4.88	6.32	6.27	8.19	13.87	33.52	0.00	0.00
Net Debt to EBITDA	2.36	2.88	4.92	4.56	6.32	5.37	6.84	13.76	28.89	0.00	0.00
Long-Term Debt to EBITDA	2.37	3.18	5.65	4.88	6.32	6.27	8.19	13.87	33.52	0.00	0.00
Debt to NOPAT	3.14	4.26	7.72	6.86	9.02	9.28	12.28	27.28	115.65	0.00	0.00
Net Debt to NOPAT	3.12	3.85	6.72	6.39	9.02	7.94	10.25	27.08	99.67	0.00	0.00
Long-Term Debt to NOPAT	3.14	4.26	7.72	6.86	9.02	9.28	12.28	27.28	115.65	0.00	0.00
Altman Z-Score	2.73	2.54	2.13	3.12	0.00	2.18	1.93	2.75	1.92	0.00	0.00
Noncontrolling Interest Sharing Ratio	0.12%	0.11%	0.11%	0.11%	52.39%	0.10%	0.10%	0.10%	51.39%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	2.63	3.38	3.91	20.20	0.00	3.97	3.74	24.99	4.60	4.25	4.59
Quick Ratio	0.13	0.22	0.21	17.16	0.00	0.29	0.18	22.07	0.22	0.22	0.23
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-230	-215	-417	-238	786	-13	165	-58	-1,021	-11	-92
Operating Cash Flow to CapEx	-464.97%	-871.08%	-5,341.06%	-487.77%	-590.92%	-379.25%	-1,518.46%	-10,159.14%	442.86%	0.00%	-4,098.00%
Free Cash Flow to Firm to Interest Expense	-78.17	-61.75	-29.19	-28.50	80.50	-1.03	9.02	-3.48	0.00	-0.61	0.00
Operating Cash Flow to Interest Expense	-11.11	-4.74	-3.18	-4.16	-2.95	-0.92	-0.82	-3.69	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	-13.50	-5.29	-3.24	-5.01	-3.45	-1.16	-0.87	-3.72	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	1.26	1.20	1.06	1.15	2.41	1.09	0.91	0.99	1.76	0.00	0.00
Accounts Receivable Turnover	0.00	287.12	0.00	1.51	0.00	253.68	193.69	1.32	0.00	0.00	0.00
Inventory Turnover	5.77	6.67	6.11	5.80	0.00	7.13	6.77	6.35	0.00	0.00	0.00
Fixed Asset Turnover	28.23	29.71	26.56	25.12	23.60	26.15	22.94	22.25	20.98	0.00	0.00
Accounts Payable Turnover	26.24	34.43	24.86	29.84	0.00	33.90	23.26	32.88	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	1.27	0.00	241.92	0.00	1.44	1.88	276.50	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	63.30	54.74	59.74	62.94	0.00	51.18	53.89	57.47	0.00	0.00	0.00
Days Payable Outstanding (DPO)	13.91	10.60	14.68	12.23	0.00	10.77	15.69	11.10	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	49.39	45.41	45.06	292.63	0.00	41.86	40.09	322.86	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	821	875	1,124	1,007	45	902	970	1,052	1,060	1,081	1,154
Invested Capital Turnover	1.61	1.58	1.41	1.49	3.13	1.58	1.32	1.35	2.47	0.00	0.00
Increase / (Decrease) in Invested Capital	252	245	432	248	-776	27	-153	44	1,014	29	95
Enterprise Value (EV)	989	919	1,379	950	1,165	916	942	1,003	980	777	998
Market Capitalization	618	521	759	435	549	512	443	427	389	250	402
Book Value per Share	$69.20	$73.98	$79.20	$77.30	$0.00	$78.25	$73.64	$74.66	$73.35	$86.54	$67.59
Tangible Book Value per Share	$67.88	$72.65	$77.36	$75.91	($1.84)	$76.41	$70.06	$72.84	$71.08	$82.96	$64.83
Total Capital	824	918	1,217	1,044	1,111	970	1,069	1,056	1,154	1,210	1,281
Total Debt	373	441	712	552	616	471	597	579	685	656	722
Total Long-Term Debt	373	441	712	552	616	471	597	579	685	656	722
Net Debt	371	398	620	515	616	403	499	575	590	527	596
Capital Expenditures (CapEx)	7.04	1.90	0.85	7.12	4.88	3.10	0.99	0.60	2.93	0.00	0.75
Debt-free, Cash-free Net Working Capital (DFCFNWC)	81	83	89	1,078	-36	96	88	1,210	95	96	120
Debt-free Net Working Capital (DFNWC)	84	125	181	1,115	-36	164	187	1,214	190	225	247
Net Working Capital (NWC)	84	125	181	1,115	-36	164	187	1,214	190	225	247
Net Nonoperating Expense (NNE)	2.23	2.70	11	6.46	8.37	12	13	14	1.30	13	0.00
Net Nonoperating Obligations (NNO)	371	398	619	515	-450	403	499	575	590	527	596
Total Depreciation and Amortization (D&A)	1.16	1.43	2.98	2.69	2.39	2.88	3.15	3.02	2.92	1.93	3.30
Debt-free, Cash-free Net Working Capital to Revenue	7.25%	6.96%	6.98%	81.92%	-2.62%	6.83%	6.37%	87.07%	7.00%	0.00%	0.00%
Debt-free Net Working Capital to Revenue	7.48%	10.54%	14.20%	84.74%	-2.62%	11.68%	13.51%	87.38%	13.94%	0.00%	0.00%
Net Working Capital to Revenue	7.48%	10.54%	14.20%	84.74%	-2.62%	11.68%	13.51%	87.38%	13.94%	0.00%	0.00%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.89	$4.27	$0.00	$0.49	$0.24	$0.32	($0.15)	($4.30)	($1.34)	$0.62	$0.38
Adjusted Weighted Average Basic Shares Outstanding	6.49M	6.51M	0.00	6.37M	6.37M	6.37M	6.40M	6.39M	6.39M	8.15M	8.26M
Adjusted Diluted Earnings per Share	$2.77	$4.12	$0.00	$0.48	$0.23	$0.33	($0.15)	($4.30)	($1.34)	$0.61	$0.37
Adjusted Weighted Average Diluted Shares Outstanding	6.78M	6.82M	0.00	6.55M	6.54M	6.57M	6.40M	6.39M	6.39M	8.29M	8.41M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	6.44M	6.37M	0.00	6.37M	6.37M	6.37M	6.40M	6.39M	6.39M	8.25M	8.26M
Normalized Net Operating Profit after Tax (NOPAT)	21	30	16	9.79	9.94	14	12	-13	-7.16	18	3.19
Normalized NOPAT Margin	7.45%	8.93%	4.30%	2.78%	3.05%	3.65%	3.46%	-3.68%	-2.39%	5.20%	0.98%
Pre Tax Income Margin	8.80%	10.46%	1.42%	1.15%	0.54%	0.59%	-0.34%	-9.89%	-3.45%	2.05%	1.35%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	9.59	11.17	1.37	1.49	1.18	1.18	0.94	-1.15	0.00	1.39	0.00
NOPAT to Interest Expense	7.26	8.67	1.10	1.15	1.01	1.09	0.65	-0.80	0.00	1.00	0.00
EBIT Less CapEx to Interest Expense	7.20	10.62	1.31	0.63	0.68	0.93	0.88	-1.18	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	4.87	8.13	1.04	0.30	0.51	0.85	0.60	-0.84	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.04%	0.04%	0.05%	0.06%	0.09%	0.20%	0.26%	-0.26%	-0.16%	0.00%	0.00%
Augmented Payout Ratio	24.47%	36.56%	31.24%	31.47%	29.31%	25.63%	33.97%	-0.71%	-1.48%	0.00%	0.00%

Frequently Asked Questions About America's Car-Mart's Financials

When does America's Car-Mart's fiscal year end?

According to the most recent income statement we have on file, America's Car-Mart's financial year ends in April. Their financial year 2024 ended on April 30, 2024.

How has America's Car-Mart's net income changed over the last 2 years?

America's Car-Mart's net income appears to be on a downward trend, with a most recent value of -$31.39 million in 2024, falling from $95.01 million in 2022. The previous period was $20.43 million in 2023.

What is America's Car-Mart's operating income?

America's Car-Mart's total operating income in 2024 was $25.21 million, based on the following breakdown:

Total Gross Profit: $635.35 million
Total Operating Expenses: $610.14 million

How has America's Car-Mart revenue changed over the last 2 years?

Over the last 2 years, America's Car-Mart's total revenue changed from $1.19 billion in 2022 to $1.39 billion in 2024, a change of 17.1%.

How much debt does America's Car-Mart have?

America's Car-Mart's total liabilities were at $1.01 billion at the end of 2024, a 9.9% increase from 2023, and a 48.5% increase since 2022.

How much cash does America's Car-Mart have?

In the past 2 years, America's Car-Mart's cash and equivalents has ranged from $5.52 million in 2024 to $9.80 million in 2023, and is currently $5.52 million as of their latest financial filing in 2024.

How has America's Car-Mart's book value per share changed over the last 2 years?

Over the last 2 years, America's Car-Mart's book value per share changed from 73.98 in 2022 to 73.63 in 2024, a change of -0.5%.

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This page (NASDAQ:CRMT) was last updated on 4/15/2025 by MarketBeat.com Staff

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America's Car-Mart (CRMT) Financials

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America's Car-Mart (CRMT) Financials

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