Americas Carmart Inc

Consumer Discretionary
Retail-Auto Dealers and Gas Stations
www.car-mart.com

Earnings Score
Safety Score

Market Cap $368.39M
PE -10
Debt $782.34M
Cash $4.75M
EV $1.15B
FCF -$49.22M

Earnings

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Sales & Net Margins

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Earnings	-$36.58M
ROE	-8%
FCF	-$49.22M
Equity	$471.15M
Growth Stability	-43%
PE	-10.07
PEG	1.85
PB	0.78
P/FCF	-7.48
P/S	0.27
Price/Cash	0.01
Debt/Equity	1.66
Debt/FCF	-15.89
Net Margins	-0%
Gross Margins	46%
Earnings CAGR	7%
Sales Growth YoY	-6%
Sales Growth QoQ	-5%
Sales CAGR	14%
FCF CAGR	1%
Equity CAGR	11%
Earnings Stability	0.14
Earnings Growth YoY	-123%
Earnings Growth QoQ	-334%

Earnings CAGR 5Y	-5%
Sales CAGR 5Y	19%
FCF CAGR 5Y	-0%
Equity CAGR 5Y	13%
Earnings CAGR 3Y	9%
Sales CAGR 3Y	9%
Equity CAGR 3Y	2%
Market Cap	$368.39M
Revenue	$1.37B
Dividend Yield	0%
Payout Ratio	-0%
Assets	$1.53B
Total Debt	$782.34M
Cash	$4.75M
Shares Outstanding	6.4M
EV	1.15B
Earnings Score	8%
Safety Score	34%
Gross Profit	$632.40M
Shares Growth 3y	-0%
Equity Growth QoQ	0%
Equity Growth YoY	-7%

Assets & ROA

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Stockholders Equity & ROE

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Americas Car-Mart Inc is an automotive retailer in the us focused exclusively on the Integrated Auto Sales and Finance segment of the used car market. The Companys operations are principally conducted through its two operating subsidiaries Americas Car Mart Inc and Colonial Auto Finance. It primarily sells older model used vehicles and provides financing for substantially all of its customers. The Company earns revenue from the sale of used vehicles and in most cases a related service contract and an accident protection plan product as well as interest income and late fees from the related financing.

SEC Filings

Direct access to Americas Carmart Inc (CRMT) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Jul 31
- 10-K Apr 30
- 10-Q Jan 31
2023
- 10-Q Oct 31
- 10-Q Jul 31
- 10-K Apr 30
- 10-Q Jan 31
2022
- 10-Q Oct 31
- 10-Q Jul 31
- 10-K Apr 30
- 10-Q Jan 31

Sector Comparison

How does Americas Carmart Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Americas Carmart Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 7%

Stability 14%

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Americas Carmart Inc Discounted Cash Flow

Fully customizable DCF calculator online for Americas Carmart Inc.

Years

Calculation mode

= -$522M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	-$49M	-$50M	-$50M	-$50M	-$51M	-$51M	-$52M	-$52M	-$53M	-$53M	-$54M	-$536M
DCF		-$45M	-$41M	-$38M	-$35M	-$32M	-$29M	-$27M	-$25M	-$23M	-$21M	-$207M
Value	-$522M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	04/2015	04/2016	04/2017	04/2018	04/2019	04/2020	04/2021	04/2022	04/2023	04/2024	TTM
Net Margins	6%	2%	3%	6%	7%	7%	11%	8%	1%	-2%	-0%
ROA	-	-	-	-	-	-	-	-	-	-	-
ROE	-	5%	9%	16%	18%	17%	26%	20%	4%	-7%	-8%

Bad Net Margins (-0.28%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	04/2015	04/2016	04/2017	04/2018	04/2019	04/2020	04/2021	04/2022	04/2023	04/2024	TTM
Debt over FCF	-	-	20.52	19.7	7.33	13.91	-3.6	-3.26	-4.05	-9.43	-15.89
Debt over Equity	-	-	0.51	0.66	0.59	0.71	0.56	0.94	1.28	1.6	1.66
Growth Stability	-	-	-	100%	100%	100%	100%	100%	25%	-43%	-43%

Good Debt/FCF ratio (-15.89)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Bad Debt/Equity ratio (1.66)

The company is overleveraged and has a bad balance between equity and debt.

Bad Graham’s Stability (-43%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	04/2015	04/2016	04/2017	04/2018	04/2019	04/2020	04/2021	04/2022	04/2023	04/2024	CAGR 5Y
Revenue YoY growth	-	7%	3%	4%	9%	11%	23%	32%	16%	-1%	19%
Earnings YoY growth	-	-61%	74%	81%	30%	8%	103%	-10%	-78%	-254%	-5%
Equity YoY growth	-	-0%	2%	-1%	13%	16%	34%	15%	6%	-6%	13%
FCF YoY growth	-	16%	-41%	35%	170%	-26%	-505%	115%	17%	-49%	-0%