America's Car-Mart (CRMT) Financials

$46.90 -0.26 (-0.55%)

Closing price 05/28/2025 04:00 PM Eastern

Extended Trading

$48.41 +1.51 (+3.22%)

As of 05/28/2025 06:25 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	2024	2023	2022
Period end date	4/30/2024	4/30/2023	4/30/2022
Net Income / (Loss) Attributable to Common Shareholders	-31	20	95
Consolidated Net Income / (Loss)	-31	20	95
Net Income / (Loss) Continuing Operations	-31	20	95
Total Pre-Tax Income	-40	26	123
Total Operating Income	25	64	134
Total Gross Profit	635	600	532
Total Revenue	1,394	1,400	1,191
Operating Revenue	1,394	1,400	1,191
Total Cost of Revenue	759	801	659
Operating Cost of Revenue	759	801	659
Total Operating Expenses	610	536	398
Selling, General & Admin Expense	179	177	156
Depreciation Expense	6.87	5.60	4.03
Other Operating Expenses / (Income)	423	353	238
Other Special Charges / (Income)	0.44	0.36	0.15
Total Other Income / (Expense), net	-65	-38	-11
Interest Expense	65	38	11
Income Tax Expense	-8.74	5.36	28
Preferred Stock Dividends Declared	0.04	0.04	0.04
Basic Earnings per Share	($4.92)	$3.20	$14.59
Weighted Average Basic Shares Outstanding	6.39M	6.37M	6.51M
Diluted Earnings per Share	($4.92)	$3.11	$13.92
Weighted Average Diluted Shares Outstanding	6.39M	6.57M	6.82M
Weighted Average Basic & Diluted Shares Outstanding	6.40M	6.37M	6.37M

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 2025	Q2 2025	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	1/31/2025	10/31/2024	1/31/2024	10/31/2023	7/31/2024	4/30/2023	1/31/2023	10/31/2022	7/31/2023	4/30/2022	1/31/2022
Net Income / (Loss) Attributable to Common Shareholders	3.15	5.09	-8.55	-27	-0.97	2.08	1.50	3.13	4.18	27	19
Consolidated Net Income / (Loss)	3.16	5.10	-8.54	-27	-0.96	2.09	1.51	3.14	4.19	27	19
Net Income / (Loss) Continuing Operations	3.16	5.10	-8.54	-27	-0.96	2.09	1.51	3.14	4.19	27	19
Total Pre-Tax Income	4.39	7.12	-10	-36	-1.18	2.25	1.76	4.06	5.22	35	25
Total Operating Income	4.39	25	-10	-19	17	15	12	12	19	39	28
Total Gross Profit	156	174	141	163	161	165	144	146	164	201	130
Total Revenue	326	347	300	360	348	384	325	352	367	338	287
Operating Revenue	326	347	300	360	348	384	325	352	367	338	287
Total Cost of Revenue	169	173	158	197	187	220	182	206	203	137	157
Operating Cost of Revenue	169	173	158	197	187	220	182	206	203	191	157
Total Operating Expenses	152	149	152	182	144	150	132	133	145	162	102
Selling, General & Admin Expense	46	47	44	45	47	46	45	43	46	41	39
Depreciation Expense	1.89	1.93	1.71	1.70	1.88	1.61	1.54	1.31	1.69	1.21	0.95
Other Operating Expenses / (Income)	104	100	106	135	95	102	86	89	96	-	62
Other Special Charges / (Income)	0.04	0.04	0.12	0.07	0.05	0.04	0.07	0.24	0.17	0.06	0.04
Total Other Income / (Expense), net	0.00	-18	0.00	-17	-18	-13	-9.77	-8.35	-14	-3.48	-2.94
Income Tax Expense	1.23	2.02	-1.80	-8.13	-0.22	0.17	0.25	0.92	1.03	7.91	6.14
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	$0.38	$0.62	($1.34)	($4.30)	($0.15)	$0.32	$0.24	$0.49	$0.65	$4.27	$2.95
Weighted Average Basic Shares Outstanding	8.26M	8.15M	6.39M	6.39M	6.40M	6.37M	6.37M	6.37M	6.38M	6.51M	6.49M
Diluted Earnings per Share	$0.37	$0.61	($1.34)	($4.30)	($0.15)	$0.33	$0.23	$0.48	$0.63	$4.12	$2.82
Weighted Average Diluted Shares Outstanding	8.41M	8.29M	6.39M	6.39M	6.40M	6.57M	6.54M	6.55M	6.64M	6.82M	6.78M
Weighted Average Basic & Diluted Shares Outstanding	8.26M	8.25M	6.39M	6.39M	6.40M	6.37M	6.37M	6.37M	6.38M	6.37M	6.44M

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	2024	2023	2022
Period end date	4/30/2024	4/30/2023	4/30/2022
Net Change in Cash & Equivalents	26	25	40
Net Cash From Operating Activities	-74	-136	-119
Net Cash From Continuing Operating Activities	-74	-136	-119
Net Income / (Loss) Continuing Operations	-31	20	95
Consolidated Net Income / (Loss)	-31	20	95
Depreciation Expense	6.87	5.60	4.03
Amortization Expense	5.14	5.46	0.78
Non-Cash Adjustments To Reconcile Net Income	-161	-343	-327
Changes in Operating Assets and Liabilities, net	107	176	108
Net Cash From Investing Activities	-11	-28	-17
Net Cash From Continuing Investing Activities	-11	-28	-17
Purchase of Property, Plant & Equipment	-6.15	-22	-16
Purchase of Investments	-4.82	-5.55	-1.57
Sale of Property, Plant & Equipment	0.32	0.08	0.02
Net Cash From Financing Activities	111	189	176
Net Cash From Continuing Financing Activities	111	189	176
Repayment of Debt	-1,053	-732	-517
Repurchase of Common Equity	-0.37	-5.20	-35
Payment of Dividends	-0.04	-0.04	-0.04
Issuance of Debt	1,165	925	729
Issuance of Common Equity	0.28	0.29	0.29
Other Financing Activities, net	-0.46	1.22	-1.49

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 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	1/31/2025	4/30/2024	1/31/2024	10/31/2023	7/31/2024	4/30/2023	1/31/2023	10/31/2022	7/31/2023	4/30/2022	1/31/2022
Net Change in Cash & Equivalents	-3.33	-0.14	0.10	22	4.17	2.56	28	-4.79	24	40	0.48
Net Cash From Operating Activities	-31	-11	13	-61	-15	-12	-29	-35	-45	-17	-33
Net Cash From Continuing Operating Activities	-31	-11	13	-61	-15	-12	-29	-35	-45	-17	-33
Net Income / (Loss) Continuing Operations	3.16	0.43	-8.54	-22	-0.96	2.09	1.51	3.14	4.19	26	19
Consolidated Net Income / (Loss)	3.16	0.43	-8.54	-22	-0.96	2.09	1.51	3.14	4.19	26	19
Depreciation Expense	1.89	1.77	1.71	1.51	1.88	1.61	1.54	1.31	1.69	1.21	0.95
Amortization Expense	1.41	1.15	1.21	1.52	1.27	1.27	0.85	1.38	1.29	0.22	0.21
Non-Cash Adjustments To Reconcile Net Income	-44	-41	-7.49	-60	-53	-83	-65	-96	-82	-90	-76
Changes in Operating Assets and Liabilities, net	6.73	27	26	18	36	67	32	55	29	46	23
Net Cash From Investing Activities	-0.75	-1.32	-7.74	6.93	-8.51	-3.15	-10	-7.35	-0.85	-2.15	-8.13
Net Cash From Continuing Investing Activities	-0.75	-1.32	-7.74	6.93	-8.51	-3.15	-10	-7.35	-0.85	-2.15	-8.13
Purchase of Property, Plant & Equipment	-0.75	-1.28	-2.72	-1.16	-0.99	-3.10	-4.95	-7.13	-1.38	-1.92	-7.04
Net Cash From Financing Activities	28	12	-5.12	77	28	17	67	37	70	59	41
Net Cash From Continuing Financing Activities	28	12	-5.12	77	28	17	67	37	70	59	41
Repayment of Debt	-335	-136	-388	-273	-259	-125	-444	-84	-394	-415	-34
Repurchase of Common Equity	-0.02	-0.03	-0.27	-0.04	-0.02	-	-	-	-0.07	-8.20	-6.54
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	363	148	383	350	287	143	511	122	465	482	82
Issuance of Common Equity	0.07	0.06	0.08	0.07	0.08	0.06	0.07	0.06	0.08	0.07	0.08

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	2024	2023	2022
Period end date	4/30/2024	4/30/2023	4/30/2022
Total Assets	1,478	1,415	1,155
Total Current Assets	243	219	178
Cash & Equivalents	5.52	9.80	6.92
Restricted Cash	89	58	36
Accounts Receivable	6.91	6.12	4.93
Inventories, net	107	109	115
Prepaid Expenses	31	26	15
Current Deferred & Refundable Income Taxes	2.96	9.26	0.27
Plant, Property, & Equipment, net	60	62	45
Total Noncurrent Assets	1,174	1,134	931
Noncurrent Note & Lease Receivables	1,099	1,063	864
Goodwill	14	12	8.62
Other Noncurrent Operating Assets	61	59	59
Total Liabilities & Shareholders' Equity	1,478	1,415	1,155
Total Liabilities	1,006	916	678
Total Current Liabilities	49	55	53
Accounts Payable	21	27	20
Accrued Expenses	28	28	33
Current Deferred & Payable Income Tax Liabilities	0.00	-	-
Other Current Liabilities	0.00	0.00	0.00
Total Noncurrent Liabilities	957	861	625
Long-Term Debt	554	471	441
Noncurrent Deferred Revenue	121	120	92
Noncurrent Deferred & Payable Income Tax Liabilities	18	39	30
Other Noncurrent Operating Liabilities	265	230	61
Commitments & Contingencies	0.00	0.00	0.00
Redeemable Noncontrolling Interest	0.40	0.40	0.40
Total Equity & Noncontrolling Interests	471	499	477
Total Preferred & Common Equity	471	498	476
Preferred Stock	0.00	0.00	0.00
Total Common Equity	471	498	476
Common Stock	114	110	103
Retained Earnings	654	686	665
Treasury Stock	-298	-297	-292
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 2025	Q2 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	1/31/2025	10/31/2024	1/31/2024	10/31/2023	7/31/2024	1/31/2023	10/31/2022	7/31/2023	1/31/2022
Total Assets	1,607	1,575	1,467	1,487	1,531	81	1,306	1,505	1,045
Total Current Assets	316	295	243	1,265	255	0.00	1,174	244	136
Cash & Equivalents	8.53	8.01	4.24	4.31	4.75	0.00	4.53	6.31	2.60
Restricted Cash	118	122	90	-	94	-	33	86	-
Accounts Receivable	7.06	7.57	7.37	1,113	7.51	-	992	6.76	4.22
Inventories, net	144	122	109	114	115	0.00	130	117	120
Prepaid Expenses	38	35	31	30	33	-	9.49	22	9.13
Current Deferred & Refundable Income Taxes	0.00	0.00	0.81	3.40	0.94	-	4.39	5.14	0.04
Plant, Property, & Equipment, net	58	59	61	60	60	69	65	61	46
Total Noncurrent Assets	1,234	1,221	1,163	163	1,217	12	67	1,200	863
Noncurrent Note & Lease Receivables	1,146	1,133	1,086	-	1,126	-	-	1,127	797
Goodwill	23	23	15	12	23	12	8.85	12	8.60
Other Noncurrent Operating Assets	64	66	63	151	68	0.00	59	62	58
Total Liabilities & Shareholders' Equity	1,607	1,575	1,467	1,487	1,531	0.00	1,306	1,505	1,045
Total Liabilities	1,049	1,021	998	1,010	1,060	0.00	813	1,000	594
Total Current Liabilities	69	69	53	51	68	36	58	62	52
Accounts Payable	33	34	26	22	36	-	25	32	23
Accrued Expenses	36	34	27	28	33	36	33	30	29
Current Deferred & Payable Income Tax Liabilities	0.53	1.56	-	-	-	-	-	-	0.00
Other Current Liabilities	0.00	0.00	0.00	-	0.00	-	0.00	0.00	0.00
Total Noncurrent Liabilities	980	952	945	960	992	616	755	938	542
Long-Term Debt	722	656	685	579	597	616	552	712	373
Noncurrent Deferred Revenue	108	107	118	126	122	-	107	126	82
Noncurrent Deferred & Payable Income Tax Liabilities	9.46	12	20	25	17	0.00	36	36	26
Other Noncurrent Operating Liabilities	141	176	121	230	256	-	61	65	60
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	0.40	0.40	0.00	0.40	0.40	0.40
Total Equity & Noncontrolling Interests	558	554	469	477	471	495	492	505	451
Total Preferred & Common Equity	558	554	469	477	471	0.00	492	505	450
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	558	554	469	477	471	0.00	492	505	450
Common Stock	194	193	113	111	115	0.00	107	112	103
Retained Earnings	662	658	654	663	653	0.00	682	690	632
Treasury Stock	-298	-298	-298	-297	-298	0.00	-297	-297	-284
Noncontrolling Interest	0.10	0.10	0.10	0.10	0.10	0.00	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	2024	2023	2022
Period end date	4/30/2024	4/30/2023	4/30/2022
Growth Metrics	-	-	-
Revenue Growth	-0.47%	17.63%	30.87%
EBITDA Growth	-50.48%	-45.67%	-5.40%
EBIT Growth	-60.67%	-52.00%	-6.05%
NOPAT Growth	-65.24%	-50.92%	-6.02%
Net Income Growth	-253.65%	-78.50%	-9.36%
EPS Growth	-258.20%	-77.66%	-7.51%
Operating Cash Flow Growth	45.55%	-13.89%	-121.47%
Free Cash Flow Firm Growth	-144.26%	116.60%	-477.11%
Invested Capital Growth	3.11%	3.12%	38.91%
Revenue Q/Q Growth	0.00%	3.40%	6.08%
EBITDA Q/Q Growth	0.00%	-22.89%	-11.97%
EBIT Q/Q Growth	0.00%	-27.04%	-12.55%
NOPAT Q/Q Growth	0.00%	-25.69%	-12.94%
Net Income Q/Q Growth	0.00%	-55.41%	-14.95%
EPS Q/Q Growth	0.00%	-54.93%	-13.65%
Operating Cash Flow Q/Q Growth	1.40%	3.37%	-1.84%
Free Cash Flow Firm Q/Q Growth	0.00%	-97.22%	-6.75%
Invested Capital Q/Q Growth	0.00%	1,892.45%	6.51%
Profitability Metrics	-	-	-
Gross Margin	45.58%	42.82%	44.68%
EBITDA Margin	2.67%	5.37%	11.62%
Operating Margin	1.81%	4.58%	11.22%
EBIT Margin	1.81%	4.58%	11.22%
Profit (Net Income) Margin	-2.25%	1.46%	7.98%
Tax Burden Percent	78.22%	79.21%	77.48%
Interest Burden Percent	-159.18%	40.24%	91.82%
Effective Tax Rate	0.00%	20.79%	22.52%
Return on Invested Capital (ROIC)	1.93%	5.71%	13.75%
ROIC Less NNEP Spread (ROIC-NNEP)	-9.45%	-1.86%	11.03%
Return on Net Nonoperating Assets (RNNOA)	-8.40%	-1.53%	7.75%
Return on Equity (ROE)	-6.47%	4.19%	21.50%
Cash Return on Invested Capital (CROIC)	-1.14%	2.64%	-18.82%
Operating Return on Assets (OROA)	1.74%	4.99%	13.51%
Return on Assets (ROA)	-2.17%	1.59%	9.61%
Return on Common Equity (ROCE)	-6.47%	4.18%	21.48%
Return on Equity Simple (ROE_SIMPLE)	-6.67%	4.10%	19.94%
Net Operating Profit after Tax (NOPAT)	18	51	103
NOPAT Margin	1.27%	3.63%	8.69%
Net Nonoperating Expense Percent (NNEP)	11.37%	7.57%	2.72%
Cost of Revenue to Revenue	54.42%	57.18%	55.32%
SG&A Expenses to Revenue	12.87%	12.62%	13.11%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	43.77%	38.24%	33.46%
Earnings before Interest and Taxes (EBIT)	25	64	134
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	37	75	138
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.78	1.03	1.09
Price to Tangible Book Value (P/TBV)	0.80	1.05	1.11
Price to Revenue (P/Rev)	0.26	0.37	0.44
Price to Earnings (P/E)	0.00	25.11	5.48
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	0.00%	3.98%	18.24%
Enterprise Value to Invested Capital (EV/IC)	0.89	1.02	1.05
Enterprise Value to Revenue (EV/Rev)	0.59	0.65	0.77
Enterprise Value to EBITDA (EV/EBITDA)	22.18	12.18	6.64
Enterprise Value to EBIT (EV/EBIT)	32.74	14.29	6.88
Enterprise Value to NOPAT (EV/NOPAT)	46.78	18.04	8.88
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	1.18	0.94	0.92
Long-Term Debt to Equity	1.18	0.94	0.92
Financial Leverage	0.89	0.82	0.70
Leverage Ratio	2.98	2.63	2.24
Compound Leverage Factor	-4.75	1.06	2.05
Debt to Total Capital	54.02%	48.58%	48.02%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	54.02%	48.58%	48.02%
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	45.93%	51.37%	51.92%
Debt to EBITDA	14.87	6.27	3.18
Net Debt to EBITDA	12.34	5.37	2.88
Long-Term Debt to EBITDA	14.87	6.27	3.18
Debt to NOPAT	31.37	9.28	4.26
Net Debt to NOPAT	26.02	7.94	3.85
Long-Term Debt to NOPAT	31.37	9.28	4.26
Altman Z-Score	2.00	2.29	2.81
Noncontrolling Interest Sharing Ratio	0.10%	0.10%	0.11%
Liquidity Ratios	-	-	-
Current Ratio	4.94	3.97	3.38
Quick Ratio	0.25	0.29	0.22
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-10	24	-142
Operating Cash Flow to CapEx	-1,267.55%	-616.33%	-755.44%
Free Cash Flow to Firm to Interest Expense	-0.16	0.61	-12.97
Operating Cash Flow to Interest Expense	-1.13	-3.54	-10.91
Operating Cash Flow Less CapEx to Interest Expense	-1.22	-4.12	-12.36
Efficiency Ratios	-	-	-
Asset Turnover	0.96	1.09	1.20
Accounts Receivable Turnover	214.08	253.68	287.12
Inventory Turnover	7.00	7.13	6.67
Fixed Asset Turnover	22.84	26.15	29.71
Accounts Payable Turnover	31.23	33.90	34.43
Days Sales Outstanding (DSO)	1.70	1.44	1.27
Days Inventory Outstanding (DIO)	52.15	51.18	54.74
Days Payable Outstanding (DPO)	11.69	10.77	10.60
Cash Conversion Cycle (CCC)	42.17	41.86	45.41
Capital & Investment Metrics	-	-	-
Invested Capital	930	902	875
Invested Capital Turnover	1.52	1.58	1.58
Increase / (Decrease) in Invested Capital	28	27	245
Enterprise Value (EV)	826	916	919
Market Capitalization	366	512	521
Book Value per Share	$73.63	$78.25	$73.98
Tangible Book Value per Share	$71.37	$76.41	$72.65
Total Capital	1,025	970	918
Total Debt	554	471	441
Total Long-Term Debt	554	471	441
Net Debt	459	403	398
Capital Expenditures (CapEx)	5.83	22	16
Debt-free, Cash-free Net Working Capital (DFCFNWC)	99	96	83
Debt-free Net Working Capital (DFNWC)	194	164	125
Net Working Capital (NWC)	194	164	125
Net Nonoperating Expense (NNE)	49	30	8.46
Net Nonoperating Obligations (NNO)	459	403	398
Total Depreciation and Amortization (D&A)	12	11	4.81
Debt-free, Cash-free Net Working Capital to Revenue	7.13%	6.83%	6.96%
Debt-free Net Working Capital to Revenue	13.91%	11.68%	10.54%
Net Working Capital to Revenue	13.91%	11.68%	10.54%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	($4.92)	$3.20	$14.33
Adjusted Weighted Average Basic Shares Outstanding	6.39M	6.37M	6.51M
Adjusted Diluted Earnings per Share	($4.92)	$3.11	$13.67
Adjusted Weighted Average Diluted Shares Outstanding	6.39M	6.57M	6.82M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	6.40M	6.37M	6.37M
Normalized Net Operating Profit after Tax (NOPAT)	18	51	104
Normalized NOPAT Margin	1.29%	3.65%	8.70%
Pre Tax Income Margin	-2.88%	1.84%	10.30%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.39	1.67	12.23
NOPAT to Interest Expense	0.27	1.33	9.48
EBIT Less CapEx to Interest Expense	0.30	1.10	10.79
NOPAT Less CapEx to Interest Expense	0.18	0.75	8.03
Payout Ratios	-	-	-
Dividend Payout Ratio	-0.13%	0.20%	0.04%
Augmented Payout Ratio	-1.29%	25.63%	36.56%

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

Metric	Q3 2025	Q2 2025	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	1/31/2025	10/31/2024	1/31/2024	10/31/2023	7/31/2024	4/30/2023	1/31/2023	10/31/2022	7/31/2023	4/30/2022	1/31/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	8.72%	-3.48%	-7.91%	2.26%	-5.19%	13.61%	13.24%	23.65%	30.84%	25.26%	25.86%
EBITDA Growth	203.65%	269.39%	-153.35%	-205.91%	-9.77%	-55.37%	-52.65%	-55.48%	-35.38%	-31.82%	3.25%
EBIT Growth	142.45%	232.35%	-189.74%	-253.20%	-12.13%	-61.14%	-59.17%	-62.08%	-42.22%	-33.02%	2.82%
NOPAT Growth	143.68%	235.48%	-173.28%	-238.64%	-23.30%	-53.62%	-53.77%	-62.17%	-41.07%	-33.72%	0.80%
Net Income Growth	137.02%	118.57%	-666.45%	-974.90%	-123.03%	-92.40%	-92.12%	-86.60%	-83.23%	-37.79%	-3.73%
EPS Growth	127.61%	114.19%	-682.61%	-995.83%	-123.81%	-91.99%	-91.84%	-85.92%	-82.35%	-34.81%	-1.05%
Operating Cash Flow Growth	-337.51%	0.00%	144.95%	-76.10%	67.02%	28.68%	11.90%	9.93%	-44.61%	-15.01%	-236.42%
Free Cash Flow Firm Growth	91.04%	80.85%	-229.94%	75.77%	139.66%	93.82%	441.58%	-21.13%	-138.17%	-141.19%	-554.56%
Invested Capital Growth	8.94%	2.76%	2,239.64%	4.40%	-13.64%	3.12%	-94.49%	32.58%	62.53%	38.91%	44.12%
Revenue Q/Q Growth	-6.20%	0.00%	-16.72%	3.46%	-9.53%	18.16%	-7.53%	3.84%	8.40%	17.78%	0.97%
EBITDA Q/Q Growth	-71.60%	0.00%	53.58%	-178.85%	12.76%	29.26%	-7.84%	-46.17%	-44.23%	37.14%	-13.35%
EBIT Q/Q Growth	-82.55%	0.00%	45.59%	-210.98%	13.40%	31.07%	-7.12%	-50.50%	-49.85%	37.70%	-13.73%
NOPAT Q/Q Growth	-82.46%	0.00%	45.59%	-210.98%	-14.35%	41.69%	2.93%	-50.46%	-48.21%	41.26%	-15.78%
Net Income Q/Q Growth	-37.99%	0.00%	68.90%	-2,748.86%	-146.17%	38.46%	-51.96%	-77.08%	-84.77%	43.58%	-18.29%
EPS Q/Q Growth	-39.34%	0.00%	68.84%	-2,766.67%	-145.45%	43.48%	-52.08%	-76.81%	-84.71%	46.10%	-17.30%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	121.19%	-308.48%	-27.18%	59.16%	17.00%	42.50%	-175.03%	49.55%	15.14%
Free Cash Flow Firm Q/Q Growth	-728.93%	0.00%	-1,671.39%	-134.90%	1,344.49%	-101.69%	430.37%	42.38%	-93.89%	6.62%	-17.16%
Invested Capital Q/Q Growth	6.79%	0.00%	0.74%	8.38%	7.55%	1,892.45%	-95.50%	-10.35%	28.42%	6.51%	8.12%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	48.00%	50.12%	47.18%	45.31%	46.35%	42.85%	44.11%	41.41%	44.75%	59.42%	45.27%
EBITDA Margin	2.36%	7.80%	-2.48%	-4.44%	5.83%	4.68%	4.28%	4.29%	6.13%	11.91%	10.23%
Operating Margin	1.35%	7.24%	-3.45%	-5.28%	4.93%	3.93%	3.54%	3.53%	5.31%	11.49%	9.83%
EBIT Margin	1.35%	7.24%	-3.45%	-5.28%	4.93%	3.93%	3.54%	3.53%	5.31%	11.49%	9.83%
Profit (Net Income) Margin	0.97%	1.47%	-2.85%	-7.63%	-0.28%	0.54%	0.46%	0.89%	1.14%	8.12%	6.66%
Tax Burden Percent	72.03%	71.66%	82.60%	77.16%	81.49%	92.68%	85.73%	77.35%	80.19%	77.66%	75.70%
Interest Burden Percent	100.00%	28.29%	100.00%	187.23%	-6.91%	14.92%	15.26%	32.70%	26.78%	91.05%	89.57%
Effective Tax Rate	27.97%	28.34%	0.00%	0.00%	0.00%	7.32%	14.27%	22.65%	19.81%	22.34%	24.30%
Return on Invested Capital (ROIC)	0.00%	0.00%	-5.96%	-4.99%	4.55%	5.74%	9.49%	4.06%	6.00%	14.11%	12.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	-7.82%	-7.59%	2.23%	2.77%	30.58%	2.52%	3.42%	13.24%	11.23%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	-1.14%	-8.53%	2.55%	2.27%	-2.57%	2.27%	3.27%	9.31%	7.95%
Return on Equity (ROE)	0.00%	0.00%	-7.10%	-13.52%	7.10%	8.01%	6.92%	6.33%	9.27%	23.42%	19.95%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	-182.53%	-2.25%	19.28%	2.64%	194.87%	-18.91%	-37.48%	-18.82%	-19.07%
Operating Return on Assets (OROA)	0.00%	0.00%	-6.08%	-5.26%	4.48%	4.28%	8.53%	4.07%	5.64%	13.84%	12.34%
Return on Assets (ROA)	0.00%	0.00%	-5.02%	-7.59%	-0.25%	0.59%	1.12%	1.03%	1.21%	9.78%	8.37%
Return on Common Equity (ROCE)	0.00%	0.00%	-3.45%	-13.50%	7.09%	8.00%	3.30%	6.32%	9.26%	23.39%	19.92%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%	-5.41%	-3.22%	3.24%	0.00%	0.00%	12.89%	14.71%	0.00%	24.80%
Net Operating Profit after Tax (NOPAT)	3.16	18	-7.24	-13	12	14	9.88	9.60	16	30	21
NOPAT Margin	0.97%	5.19%	-2.42%	-3.70%	3.45%	3.64%	3.04%	2.73%	4.26%	8.92%	7.44%
Net Nonoperating Expense Percent (NNEP)	0.00%	2.35%	1.86%	2.60%	2.32%	2.97%	-21.09%	1.54%	2.58%	0.87%	0.77%
Return On Investment Capital (ROIC_SIMPLE)	0.25%	-	-0.63%	-	-	-	-	-	-	-	-
Cost of Revenue to Revenue	52.00%	49.88%	52.82%	54.69%	53.65%	57.15%	55.89%	58.59%	55.25%	40.58%	54.73%
SG&A Expenses to Revenue	14.26%	13.65%	14.54%	12.47%	13.43%	11.92%	13.75%	12.20%	12.67%	12.11%	13.64%
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	46.65%	42.88%	50.63%	50.59%	41.43%	38.92%	40.57%	37.88%	39.44%	47.93%	35.44%
Earnings before Interest and Taxes (EBIT)	4.39	25	-10	-19	17	15	12	12	19	39	28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	7.69	27	-7.42	-16	20	18	14	15	22	40	29
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.72	0.45	0.83	0.90	0.94	1.03	0.00	0.88	1.50	1.09	1.37
Price to Tangible Book Value (P/TBV)	0.75	0.47	0.86	0.92	0.99	1.05	0.00	0.90	1.54	1.11	1.40
Price to Revenue (P/Rev)	0.00	0.00	0.29	0.31	0.32	0.37	0.41	0.33	0.59	0.44	0.55
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	29.06	25.11	11.98	6.86	10.23	5.48	5.53
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	0.00%	0.00%	0.00%	0.00%	3.44%	3.98%	8.35%	14.57%	9.78%	18.24%	18.07%
Enterprise Value to Invested Capital (EV/IC)	0.86	0.72	0.92	0.95	0.97	1.02	25.72	0.94	1.23	1.05	1.20
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.72	0.72	0.68	0.65	0.86	0.72	1.08	0.77	0.88
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	47.97	24.01	12.91	12.18	11.95	8.41	10.94	6.64	6.29
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	115.85	33.07	15.26	14.29	13.25	9.09	11.56	6.88	6.48
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	165.50	47.24	19.37	18.04	17.05	11.81	14.96	8.88	8.32
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	4.67	38.97	1.38	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.29	1.18	1.46	1.21	1.27	0.94	1.24	1.12	1.41	0.92	0.83
Long-Term Debt to Equity	1.29	1.18	1.46	1.21	1.27	0.94	1.24	1.12	1.41	0.92	0.83
Financial Leverage	1.15	1.07	0.15	1.12	1.14	0.82	-0.08	0.90	0.96	0.70	0.71
Leverage Ratio	2.99	2.97	1.60	2.88	3.11	2.63	1.19	2.45	2.59	2.24	2.19
Compound Leverage Factor	2.99	0.84	1.60	5.39	-0.21	0.39	0.18	0.80	0.69	2.04	1.96
Debt to Total Capital	56.40%	54.23%	59.33%	54.83%	55.89%	48.58%	55.44%	52.83%	58.49%	48.02%	45.28%
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	56.40%	54.23%	59.33%	54.83%	55.89%	48.58%	55.44%	52.83%	58.49%	48.02%	45.28%
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	0.04%	0.04%	0.04%	0.05%	0.05%	0.05%	0.00%	0.05%	0.04%	0.05%	0.06%
Common Equity to Total Capital	43.56%	45.73%	40.63%	45.12%	44.06%	51.37%	0.00%	47.13%	41.47%	51.92%	54.66%
Debt to EBITDA	0.00	0.00	33.52	13.87	8.19	6.27	6.32	4.88	5.65	3.18	2.37
Net Debt to EBITDA	0.00	0.00	28.89	13.76	6.84	5.37	6.32	4.56	4.92	2.88	2.36
Long-Term Debt to EBITDA	0.00	0.00	33.52	13.87	8.19	6.27	6.32	4.88	5.65	3.18	2.37
Debt to NOPAT	0.00	0.00	115.65	27.28	12.28	9.28	9.02	6.86	7.72	4.26	3.14
Net Debt to NOPAT	0.00	0.00	99.67	27.08	10.25	7.94	9.02	6.39	6.72	3.85	3.12
Long-Term Debt to NOPAT	0.00	0.00	115.65	27.28	12.28	9.28	9.02	6.86	7.72	4.26	3.14
Altman Z-Score	0.00	0.00	1.92	2.75	1.93	2.18	0.00	3.12	2.13	2.54	2.73
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	51.39%	0.10%	0.10%	0.10%	52.39%	0.11%	0.11%	0.11%	0.12%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	4.59	4.25	4.60	24.99	3.74	3.97	0.00	20.20	3.91	3.38	2.63
Quick Ratio	0.23	0.22	0.22	22.07	0.18	0.29	0.00	17.16	0.21	0.22	0.13
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-92	-11	-1,021	-58	165	-13	786	-238	-417	-215	-230
Operating Cash Flow to CapEx	-4,098.00%	0.00%	442.86%	-10,159.14%	-1,518.46%	-379.25%	-590.92%	-487.77%	-5,341.06%	-871.08%	-464.97%
Free Cash Flow to Firm to Interest Expense	0.00	-0.61	0.00	-3.48	9.02	-1.03	80.50	-28.50	-29.19	-61.75	-78.17
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	-3.69	-0.82	-0.92	-2.95	-4.16	-3.18	-4.74	-11.11
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	-3.72	-0.87	-1.16	-3.45	-5.01	-3.24	-5.29	-13.50
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.00	1.76	0.99	0.91	1.09	2.41	1.15	1.06	1.20	1.26
Accounts Receivable Turnover	0.00	0.00	0.00	1.32	193.69	253.68	0.00	1.51	0.00	287.12	0.00
Inventory Turnover	0.00	0.00	0.00	6.35	6.77	7.13	0.00	5.80	6.11	6.67	5.77
Fixed Asset Turnover	0.00	0.00	20.98	22.25	22.94	26.15	23.60	25.12	26.56	29.71	28.23
Accounts Payable Turnover	0.00	0.00	0.00	32.88	23.26	33.90	0.00	29.84	24.86	34.43	26.24
Days Sales Outstanding (DSO)	0.00	0.00	0.00	276.50	1.88	1.44	0.00	241.92	0.00	1.27	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	57.47	53.89	51.18	0.00	62.94	59.74	54.74	63.30
Days Payable Outstanding (DPO)	0.00	0.00	0.00	11.10	15.69	10.77	0.00	12.23	14.68	10.60	13.91
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	322.86	40.09	41.86	0.00	292.63	45.06	45.41	49.39
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,154	1,081	1,060	1,052	970	902	45	1,007	1,124	875	821
Invested Capital Turnover	0.00	0.00	2.47	1.35	1.32	1.58	3.13	1.49	1.41	1.58	1.61
Increase / (Decrease) in Invested Capital	95	29	1,014	44	-153	27	-776	248	432	245	252
Enterprise Value (EV)	998	777	980	1,003	942	916	1,165	950	1,379	919	989
Market Capitalization	402	250	389	427	443	512	549	435	759	521	618
Book Value per Share	$67.59	$86.54	$73.35	$74.66	$73.64	$78.25	$0.00	$77.30	$79.20	$73.98	$69.20
Tangible Book Value per Share	$64.83	$82.96	$71.08	$72.84	$70.06	$76.41	($1.84)	$75.91	$77.36	$72.65	$67.88
Total Capital	1,281	1,210	1,154	1,056	1,069	970	1,111	1,044	1,217	918	824
Total Debt	722	656	685	579	597	471	616	552	712	441	373
Total Long-Term Debt	722	656	685	579	597	471	616	552	712	441	373
Net Debt	596	527	590	575	499	403	616	515	620	398	371
Capital Expenditures (CapEx)	0.75	0.00	2.93	0.60	0.99	3.10	4.88	7.12	0.85	1.90	7.04
Debt-free, Cash-free Net Working Capital (DFCFNWC)	120	96	95	1,210	88	96	-36	1,078	89	83	81
Debt-free Net Working Capital (DFNWC)	247	225	190	1,214	187	164	-36	1,115	181	125	84
Net Working Capital (NWC)	247	225	190	1,214	187	164	-36	1,115	181	125	84
Net Nonoperating Expense (NNE)	0.00	13	1.30	14	13	12	8.37	6.46	11	2.70	2.23
Net Nonoperating Obligations (NNO)	596	527	590	575	499	403	-450	515	619	398	371
Total Depreciation and Amortization (D&A)	3.30	1.93	2.92	3.02	3.15	2.88	2.39	2.69	2.98	1.43	1.16
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	0.00%	7.00%	87.07%	6.37%	6.83%	-2.62%	81.92%	6.98%	6.96%	7.25%
Debt-free Net Working Capital to Revenue	0.00%	0.00%	13.94%	87.38%	13.51%	11.68%	-2.62%	84.74%	14.20%	10.54%	7.48%
Net Working Capital to Revenue	0.00%	0.00%	13.94%	87.38%	13.51%	11.68%	-2.62%	84.74%	14.20%	10.54%	7.48%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.38	$0.62	($1.34)	($4.30)	($0.15)	$0.32	$0.24	$0.49	$0.00	$4.27	$2.89
Adjusted Weighted Average Basic Shares Outstanding	8.26M	8.15M	6.39M	6.39M	6.40M	6.37M	6.37M	6.37M	0.00	6.51M	6.49M
Adjusted Diluted Earnings per Share	$0.37	$0.61	($1.34)	($4.30)	($0.15)	$0.33	$0.23	$0.48	$0.00	$4.12	$2.77
Adjusted Weighted Average Diluted Shares Outstanding	8.41M	8.29M	6.39M	6.39M	6.40M	6.57M	6.54M	6.55M	0.00	6.82M	6.78M
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	8.26M	8.25M	6.39M	6.39M	6.40M	6.37M	6.37M	6.37M	0.00	6.37M	6.44M
Normalized Net Operating Profit after Tax (NOPAT)	3.19	18	-7.16	-13	12	14	9.94	9.79	16	30	21
Normalized NOPAT Margin	0.98%	5.20%	-2.39%	-3.68%	3.46%	3.65%	3.05%	2.78%	4.30%	8.93%	7.45%
Pre Tax Income Margin	1.35%	2.05%	-3.45%	-9.89%	-0.34%	0.59%	0.54%	1.15%	1.42%	10.46%	8.80%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	1.39	0.00	-1.15	0.94	1.18	1.18	1.49	1.37	11.17	9.59
NOPAT to Interest Expense	0.00	1.00	0.00	-0.80	0.65	1.09	1.01	1.15	1.10	8.67	7.26
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	-1.18	0.88	0.93	0.68	0.63	1.31	10.62	7.20
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	-0.84	0.60	0.85	0.51	0.30	1.04	8.13	4.87
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	-0.16%	-0.26%	0.26%	0.20%	0.09%	0.06%	0.05%	0.04%	0.04%
Augmented Payout Ratio	0.00%	0.00%	-1.48%	-0.71%	33.97%	25.63%	29.31%	31.47%	31.24%	36.56%	24.47%

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. View America's Car-Mart's forecast to see where analysts expect America's Car-Mart to go next.

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 5/29/2025 by MarketBeat.com Staff

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America's Car-Mart (CRMT) Financials

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

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America's Car-Mart (CRMT) Financials

Annual Income Statements for America's Car-Mart

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