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America's Car-Mart (CRMT) Financials

America's Car-Mart logo
$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
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Annual Income Statements for America's Car-Mart

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

Quarterly Income Statements for America's Car-Mart

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

Annual Cash Flow Statements for America's Car-Mart

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

Quarterly Cash Flow Statements for America's Car-Mart

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

Annual Balance Sheets for America's Car-Mart

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

Quarterly Balance Sheets for America's Car-Mart

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

Annual Metrics And Ratios for America's Car-Mart

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%

Quarterly Metrics And Ratios for America's Car-Mart

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%.



This page (NASDAQ:CRMT) was last updated on 5/29/2025 by MarketBeat.com Staff
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