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

America's Car-Mart's total operating income in 2026 was -$103.51 million, based on the following breakdown: Total Gross Profit: $617.52 million Total Operating Expenses: $721.03 million

America's Car-Mart (CRMT) Financials

$1.39 +0.03 (+2.21%)

As of 12:53 PM Eastern

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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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	4/30/2016	4/30/2017	4/30/2018	4/30/2019	4/30/2020	4/30/2021	4/30/2022	4/30/2023	4/30/2024	4/30/2025	4/30/2026
Net Income / (Loss) Attributable to Common Shareholders	12	20	36	48	51	105	95	20	-31	18	-139
Consolidated Net Income / (Loss)	12	20	37	48	51	105	95	20	-31	18	-139
Net Income / (Loss) Continuing Operations	12	20	37	48	51	105	95	20	-31	18	-139
Total Pre-Tax Income	18	32	39	60	64	135	123	26	-40	23	-108
Total Operating Income	18	32	39	68	72	142	134	26	-40	23	-104
Total Gross Profit	263	283	297	179	194	431	532	600	635	665	618
Total Revenue	568	588	612	669	745	910	1,191	1,400	1,394	1,391	1,282
Operating Revenue	568	588	612	669	745	910	1,191	1,400	1,394	1,391	1,282
Total Cost of Revenue	305	305	315	490	551	479	659	801	759	726	664
Operating Cost of Revenue	305	305	315	344	388	479	659	801	759	726	664
Total Operating Expenses	245	251	258	111	121	288	398	574	675	642	721
Selling, General & Admin Expense	92	92	99	107	118	131	156	177	179	189	208
Depreciation Expense	4.21	4.27	4.25	3.97	3.84	3.72	4.03	5.60	6.87	7.65	8.21
Other Operating Expenses / (Income)	148	153	155	-	-	154	238	391	489	445	494
Impairment Charge	-	-	-	-	-	-	-	-	0.00	0.00	11
Other Special Charges / (Income)	0.37	1.20	0.09	-0.09	-0.11	-0.04	0.15	0.36	0.44	0.30	-0.01
Total Other Income / (Expense), net	0.00	0.00	0.00	-7.88	-8.05	-6.82	-11	0.00	0.00	0.00	-4.48
Interest Expense	-	-	-	7.88	8.05	6.82	11	-	0.00	0.00	4.48
Income Tax Expense	6.90	12	2.40	12	13	31	28	5.36	-8.74	4.87	31
Preferred Stock Dividends Declared	0.04	0.04	0.04	0.04	0.04	-0.04	0.04	0.04	0.04	0.04	0.04
Basic Earnings per Share	$1.38	$2.57	$5.04	$6.99	$7.74	$15.81	$14.59	$3.20	($4.92)	$2.38	($16.79)
Weighted Average Basic Shares Outstanding	8.37M	7.85M	7.23M	6.81M	6.63M	6.63M	6.51M	6.37M	6.39M	7.52M	8.29M
Diluted Earnings per Share	$1.33	$2.49	$4.90	$6.73	$7.39	$15.05	$13.92	$3.11	($4.92)	$2.33	($16.79)
Weighted Average Diluted Shares Outstanding	8.67M	8.11M	7.44M	7.07M	6.95M	6.96M	6.82M	6.57M	6.39M	7.68M	8.29M
Weighted Average Basic & Diluted Shares Outstanding	8.40M	7.80M	7.20M	6.80M	6.63M	6.61M	6.37M	6.37M	6.40M	-	8.33M

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	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026	Q1 2027
Period end date	10/31/2023	1/31/2024	4/30/2024	7/31/2024	10/31/2024	1/31/2025	7/31/2025	10/31/2025	1/31/2026	4/30/2026	7/31/2026
Net Income / (Loss) Attributable to Common Shareholders	-27	-8.55	5.57	-0.97	5.09	3.15	-5.75	-22	-77	-34	-69
Consolidated Net Income / (Loss)	-27	-8.54	5.58	-0.96	5.10	3.16	-5.74	-22	-77	-34	-69
Net Income / (Loss) Continuing Operations	-27	-8.54	5.58	-0.96	5.10	3.16	-5.74	-22	-77	-34	-69
Total Pre-Tax Income	-36	-10	6.98	-1.18	7.12	4.39	-7.40	-27	-37	-36	-69
Total Operating Income	-19	-10	-28	17	7.12	4.39	-7.40	-23	-37	-36	-69
Total Gross Profit	163	141	170	161	174	156	166	171	144	136	75
Total Revenue	360	300	387	348	347	326	341	350	287	303	146
Operating Revenue	360	300	387	348	347	326	341	350	287	303	146
Total Cost of Revenue	197	158	217	187	173	169	175	179	143	167	70
Operating Cost of Revenue	197	158	217	187	173	169	175	179	143	167	70
Total Operating Expenses	182	152	198	144	167	152	174	194	181	173	144
Selling, General & Admin Expense	45	44	44	47	47	46	51	57	52	48	52
Depreciation Expense	1.70	1.71	1.58	1.88	1.93	1.89	2.14	2.10	2.04	1.93	1.80
Other Operating Expenses / (Income)	135	106	152	95	118	104	120	135	127	112	91
Other Special Charges / (Income)	0.07	0.12	0.20	0.05	0.04	0.04	0.01	0.10	0.12	-0.23	0.18
Total Other Income / (Expense), net	-17	0.00	35	-18	0.00	0.00	0.00	-4.48	0.00	-	0.00
Income Tax Expense	-8.13	-1.80	1.41	-0.22	2.02	1.23	-1.67	-5.01	40	-2.18	0.15
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	($4.30)	($1.34)	$0.87	($0.15)	$0.62	$0.38	($0.69)	($2.71)	($9.25)	($4.14)	($8.28)
Weighted Average Basic Shares Outstanding	6.39M	6.39M	6.39M	6.40M	8.15M	8.26M	8.27M	8.28M	8.30M	8.29M	8.33M
Diluted Earnings per Share	($4.30)	($1.34)	$0.87	($0.15)	$0.61	$0.37	($0.69)	($2.71)	($9.25)	($4.14)	($8.28)
Weighted Average Diluted Shares Outstanding	6.39M	6.39M	6.39M	6.40M	8.29M	8.41M	8.27M	8.28M	8.30M	8.29M	8.33M
Weighted Average Basic & Diluted Shares Outstanding	6.39M	6.39M	6.40M	6.40M	8.25M	8.26M	8.28M	8.29M	8.30M	8.33M	8.34M

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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	4/30/2016	4/30/2017	4/30/2018	4/30/2019	4/30/2020	4/30/2021	4/30/2022	4/30/2023	4/30/2024	4/30/2025	4/30/2026
Net Change in Cash & Equivalents	-0.19	-0.17	0.59	-1.07	58	-57	40	25	26	30	7.11
Net Cash From Operating Activities	14	7.33	9.99	25	21	-54	-119	-136	-74	-49	65
Net Cash From Continuing Operating Activities	14	7.33	9.99	23	21	-54	-119	-136	-74	-49	65
Net Income / (Loss) Continuing Operations	12	20	37	48	51	105	95	20	-31	18	-139
Consolidated Net Income / (Loss)	12	20	37	48	51	105	95	20	-31	18	-139
Depreciation Expense	4.21	4.27	4.25	3.97	3.84	3.72	4.03	5.60	6.87	7.65	8.21
Amortization Expense	0.21	0.25	0.26	0.25	0.27	0.39	0.78	5.46	5.14	6.20	9.42
Non-Cash Adjustments To Reconcile Net Income	-53	-64	-67	-80	-97	-214	-327	-343	-161	-192	-1.63
Changes in Operating Assets and Liabilities, net	51	46	36	51	63	51	108	176	107	111	188
Net Cash From Investing Activities	-4.52	-0.66	-1.70	-3.89	-9.89	-8.26	-17	-28	-11	-11	-1.52
Net Cash From Continuing Investing Activities	-4.52	-0.66	-1.70	-3.89	-9.89	-8.26	-17	-28	-11	-11	-1.52
Purchase of Property, Plant & Equipment	-4.53	-1.59	-2.26	-4.03	-5.42	-8.95	-16	-22	-6.15	-3.89	-1.81
Acquisitions	-	-	-	-	-	-	-	-	-4.82	-7.53	0.00
Sale of Property, Plant & Equipment	0.01	0.93	0.55	0.14	0.18	0.69	0.02	0.08	0.32	0.04	0.29
Net Cash From Financing Activities	-9.96	-6.85	-7.70	-20	47	5.40	176	189	111	90	-56
Net Cash From Continuing Financing Activities	-9.96	-6.85	-7.70	-20	47	5.40	176	189	111	90	-56
Repayment of Debt	-371	-377	-401	-450	-380	-62	-517	-732	-1,054	-1,235	-1,207
Repurchase of Common Equity	-14	-20	-42	-27	-16	-11	-35	-5.20	-0.37	-0.43	-0.30
Payment of Dividends	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04	-0.04
Issuance of Debt	374	388	434	451	441	73	729	925	1,166	1,251	1,151
Issuance of Common Equity	0.59	2.04	1.76	5.26	0.19	0.26	0.29	0.29	0.28	74	0.22
Other Financing Activities, net	0.24	1.18	-	-	1.53	4.03	-1.49	1.22	-0.46	0.00	0.00

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	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026	Q1 2027
Period end date	10/31/2023	1/31/2024	4/30/2024	7/31/2024	1/31/2025	4/30/2025	7/31/2025	10/31/2025	1/31/2026	4/30/2026	7/31/2026
Net Change in Cash & Equivalents	22	0.10	-0.14	4.17	-3.33	-1.82	-3.11	130	-14	-105	-22
Net Cash From Operating Activities	-61	13	-11	-15	-31	19	-5.92	9.06	-5.92	68	80
Net Cash From Continuing Operating Activities	-61	13	-11	-15	-31	19	-5.92	9.06	-5.92	68	80
Net Income / (Loss) Continuing Operations	-22	-8.54	0.43	-0.96	3.16	11	-5.74	-22	-77	-34	-69
Consolidated Net Income / (Loss)	-22	-8.54	0.43	-0.96	3.16	11	-5.74	-22	-77	-34	-69
Depreciation Expense	1.51	1.71	1.77	1.88	1.89	1.95	2.14	2.10	2.04	1.93	1.80
Amortization Expense	1.52	1.21	1.15	1.27	1.41	2.13	1.27	1.93	3.07	3.15	2.96
Non-Cash Adjustments To Reconcile Net Income	-60	-7.49	-41	-53	-44	-62	-31	-14	32	12	148
Changes in Operating Assets and Liabilities, net	18	26	27	36	6.73	67	28	42	33	85	-3.28
Net Cash From Investing Activities	6.93	-7.74	-1.32	-8.51	-0.75	-0.78	-0.44	-0.69	-0.24	-0.15	0.79
Net Cash From Continuing Investing Activities	6.93	-7.74	-1.32	-8.51	-0.75	-0.78	-0.44	-0.69	-0.24	-0.15	0.79
Purchase of Property, Plant & Equipment	-1.16	-2.72	-1.28	-0.99	-0.75	-0.80	-0.46	-0.78	-0.28	-0.29	-0.09
Sale of Property, Plant & Equipment	0.56	-0.21	-0.03	0.00	-	0.02	0.02	0.10	0.04	0.14	0.88
Net Cash From Financing Activities	77	-5.12	12	28	28	-20	3.25	121	-7.83	-173	-103
Net Cash From Continuing Financing Activities	77	-5.12	12	28	28	-20	3.25	121	-7.83	-173	-103
Repayment of Debt	-273	-388	-136	-259	-335	-162	-377	-487	-169	-173	-103
Repurchase of Common Equity	-0.04	-0.27	-0.03	-0.02	-0.02	-0.00	-0.07	-0.21	-0.02	0.00	-0.03
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	350	383	148	287	363	142	381	609	161	-	0.00
Issuance of Common Equity	0.07	0.08	0.06	0.08	0.07	0.07	0.07	0.05	0.06	0.04	0.03

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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	4/30/2016	4/30/2017	4/30/2018	4/30/2019	4/30/2020	4/30/2021	4/30/2022	4/30/2023	4/30/2024	4/30/2025	4/30/2026
Total Assets	406	424	456	493	667	822	1,155	1,415	1,478	1,606	1,417
Total Current Assets	371	394	427	48	104	95	178	219	243	282	229
Cash & Equivalents	0.60	0.43	1.02	1.75	60	2.89	6.92	9.80	5.52	9.81	47
Restricted Cash	-	-	-	-	-	0.00	36	58	89	115	85
Accounts Receivable	337	359	386	2.35	3.10	3.37	4.93	6.12	6.91	7.43	8.03
Inventories, net	30	30	34	37	36	82	115	109	107	112	54
Prepaid Expenses	3.30	3.94	4.75	4.63	4.44	6.12	15	26	31	38	31
Current Deferred & Refundable Income Taxes	0.89	0.00	1.45	1.95	-	0.00	0.27	9.26	2.96	0.00	3.52
Plant, Property, & Equipment, net	35	30	29	29	30	35	45	62	60	57	43
Total Noncurrent Assets	0.36	0.36	0.36	416	534	693	931	1,134	1,174	1,267	1,145
Noncurrent Note & Lease Receivables	-	-	-	415	466	625	864	1,063	1,099	1,181	1,079
Goodwill	0.36	0.36	0.36	0.36	6.82	7.28	8.62	12	14	23	23
Other Noncurrent Operating Assets	-	-	-	0.00	61	60	59	59	61	64	43
Total Liabilities & Shareholders' Equity	406	424	456	493	667	822	1,155	1,415	1,478	1,606	1,417
Total Liabilities	177	191	225	232	364	415	678	916	1,006	1,037	971
Total Current Liabilities	24	26	60	32	37	50	53	55	49	72	68
Accounts Payable	12	11	14	14	13	18	20	27	21	35	32
Accrued Expenses	11	14	16	19	20	31	33	28	28	36	36
Other Current Liabilities	-	-	-	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00
Total Noncurrent Liabilities	154	165	165	199	291	366	625	861	957	964	903
Long-Term Debt	108	118	152	153	216	226	441	471	554	0.00	264
Noncurrent Deferred Revenue	-	-	-	32	0.00	57	92	120	121	113	96
Noncurrent Deferred & Payable Income Tax Liabilities	18	19	13	14	13	20	30	39	18	7.15	34
Other Noncurrent Operating Liabilities	-	-	-	-	63	63	61	230	265	844	509
Commitments & Contingencies	0.00	0.00	0.00	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	0.40	0.40	0.40	0.40	0.40	0.40
Total Equity & Noncontrolling Interests	229	233	231	261	303	406	477	499	471	570	446
Total Preferred & Common Equity	229	233	230	260	303	406	476	498	471	569	446
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	229	233	230	260	303	406	476	498	471	569	446
Common Stock	65	69	73	82	89	99	103	110	114	195	211
Retained Earnings	305	326	362	410	461	565	665	686	654	672	533
Treasury Stock	-142	-162	-204	-231	-247	-258	-292	-297	-298	-298	-299
Noncontrolling Interest	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	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 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026	Q3 2026	Q1 2027
Period end date	1/31/2023	7/31/2024	10/31/2023	1/31/2024	7/31/2024	10/31/2024	1/31/2025	7/31/2025	10/31/2025	1/31/2026	7/31/2026
Total Assets	81	1,531	1,487	1,467	1,531	1,575	1,607	1,608	1,718	1,627	1,206
Total Current Assets	0.00	255	1,265	243	255	295	316	282	1,580	385	191
Cash & Equivalents	0.00	4.75	4.31	4.24	4.75	8.01	8.53	9.67	122	118	28
Restricted Cash	-	94	-	90	94	122	118	112	129	119	82
Accounts Receivable	-	7.51	1,113	7.37	7.51	7.57	7.06	8.15	-	7.48	6.92
Inventories, net	0.00	115	114	109	115	122	144	112	105	101	35
Prepaid Expenses	-	33	30	31	33	35	38	39	37	36	36
Current Deferred & Refundable Income Taxes	-	0.94	3.40	0.81	0.94	0.00	0.00	0.81	7.70	4.18	3.60
Plant, Property, & Equipment, net	69	60	60	61	60	59	58	55	53	49	40
Total Noncurrent Assets	12	1,217	163	1,163	1,217	1,221	1,234	1,271	85	1,192	975
Noncurrent Note & Lease Receivables	-	1,126	-	1,086	1,126	1,133	1,146	1,183	-	1,115	910
Goodwill	12	23	12	15	23	23	23	24	24	23	23
Other Noncurrent Operating Assets	0.00	68	151	63	68	66	64	64	62	55	42
Total Liabilities & Shareholders' Equity	0.00	1,531	1,487	1,467	1,531	1,575	1,607	1,608	1,718	1,627	1,206
Total Liabilities	0.00	1,060	1,010	998	1,060	1,021	1,049	1,043	1,162	1,147	829
Total Current Liabilities	36	68	51	53	68	69	69	81	192	58	57
Accounts Payable	-	36	22	26	36	34	33	34	46	19	22
Accrued Expenses	36	33	28	27	33	34	36	47	37	39	35
Other Current Liabilities	-	0.00	-	0.00	0.00	0.00	0.00	0.00	110	0.00	0.00
Total Noncurrent Liabilities	616	992	960	945	992	952	980	962	971	1,089	772
Long-Term Debt	616	597	579	685	597	656	722	611	262	264	266
Noncurrent Deferred Revenue	-	122	126	118	122	107	108	112	-	100	67
Noncurrent Deferred & Payable Income Tax Liabilities	0.00	17	25	20	17	12	9.46	7.75	7.75	37	34
Other Noncurrent Operating Liabilities	-	256	230	121	256	176	141	231	701	688	405
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	0.00	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.40
Total Equity & Noncontrolling Interests	495	471	477	469	471	554	558	565	555	479	376
Total Preferred & Common Equity	0.00	471	477	469	471	554	558	565	555	479	376
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	0.00	471	477	469	471	554	558	565	555	479	376
Common Stock	0.00	115	111	113	115	193	194	197	209	211	211
Retained Earnings	0.00	653	663	654	653	658	662	667	644	567	464
Treasury Stock	0.00	-298	-297	-298	-298	-298	-298	-298	-298	-299	-299
Noncontrolling Interest	0.00	0.10	0.10	0.10	0.10	0.10	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	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	4/30/2016	4/30/2017	4/30/2018	4/30/2019	4/30/2020	4/30/2021	4/30/2022	4/30/2023	4/30/2024	4/30/2025	4/30/2026
DEI Shares Outstanding	8,141,384.00	7,797,138.00	6,918,565.00	6,706,514.00	6,614,110.00	6,612,917.00	-	-	-	8,261,869.00	8,302,450.00
DEI Adjusted Shares Outstanding	8,141,384.00	7,797,138.00	6,918,565.00	6,706,514.00	6,614,110.00	6,612,917.00	-	-	-	8,261,869.00	8,302,450.00
DEI Earnings Per Adjusted Shares Outstanding	1.42	2.59	5.27	7.10	7.76	15.84	-	-	-	2.17	-16.76
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	7.09%	3.49%	4.16%	9.30%	11.28%	22.17%	30.87%	17.63%	-0.47%	-0.21%	-7.87%
EBITDA Growth	-55.10%	60.41%	18.09%	65.73%	6.34%	91.15%	-5.40%	-45.67%	-50.48%	230.30%	-334.32%
EBIT Growth	-60.67%	74.30%	20.67%	74.10%	6.89%	96.33%	-6.05%	-52.00%	-60.67%	156.81%	-553.95%
NOPAT Growth	-60.68%	74.24%	80.69%	47.63%	7.18%	90.60%	-6.02%	-50.92%	-65.24%	163.83%	-504.05%
Net Income Growth	-60.68%	74.24%	80.69%	30.45%	7.81%	104.16%	-9.36%	-78.50%	-253.65%	157.12%	-875.77%
EPS Growth	-59.08%	87.22%	96.79%	37.35%	9.81%	103.65%	-7.51%	-77.66%	-258.20%	147.36%	-820.60%
Operating Cash Flow Growth	15.33%	-48.66%	36.27%	149.17%	-16.00%	-357.26%	-121.47%	-13.89%	45.55%	34.01%	233.21%
Free Cash Flow Firm Growth	-345.47%	123.76%	556.72%	-27.47%	-205.57%	3.57%	-477.11%	116.60%	-144.26%	-23.13%	-140.80%
Invested Capital Growth	9.94%	4.16%	0.87%	7.79%	20.19%	27.18%	38.91%	3.12%	3.11%	9.36%	29.80%
Revenue Q/Q Growth	3.11%	-0.31%	2.78%	1.12%	2.59%	8.91%	6.08%	3.40%	0.00%	0.00%	0.00%
EBITDA Q/Q Growth	-21.17%	8.50%	13.78%	17.52%	-13.18%	44.82%	-11.97%	-22.89%	0.00%	0.00%	0.00%
EBIT Q/Q Growth	-25.43%	10.30%	15.71%	18.81%	-13.76%	46.62%	-12.55%	-27.04%	0.00%	0.00%	0.00%
NOPAT Q/Q Growth	-25.11%	10.25%	15.60%	20.68%	-12.80%	46.10%	-12.94%	-25.69%	0.00%	0.00%	0.00%
Net Income Q/Q Growth	-25.11%	10.25%	15.60%	47.24%	-23.97%	49.95%	-14.95%	-55.41%	0.00%	0.00%	0.00%
EPS Q/Q Growth	-23.56%	11.16%	17.79%	11.24%	-8.88%	49.31%	-13.65%	-54.93%	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	81.25%	-32.75%	-7.82%	64.59%	82.39%	-952.45%	-1.84%	3.37%	1.40%	38.04%	295.13%
Free Cash Flow Firm Q/Q Growth	-6,839.56%	-49.15%	450.26%	-41.14%	20.97%	-229.11%	-6.75%	-97.22%	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	-3.63%	-1.80%	-7.10%	-0.75%	-3.57%	10.52%	6.51%	1,892.45%	0.00%	0.00%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	46.31%	48.12%	48.50%	26.73%	26.04%	47.33%	44.68%	42.82%	45.58%	47.80%	48.19%
EBITDA Margin	4.04%	6.26%	7.09%	10.75%	10.28%	16.08%	11.62%	5.37%	2.67%	2.63%	-6.70%
Operating Margin	3.26%	5.49%	6.36%	10.12%	9.72%	15.63%	11.22%	4.58%	1.81%	1.64%	-8.08%
EBIT Margin	3.26%	5.49%	6.36%	10.12%	9.72%	15.63%	11.22%	4.58%	1.81%	1.64%	-8.08%
Profit (Net Income) Margin	2.04%	3.44%	5.96%	7.12%	6.90%	11.52%	7.98%	1.46%	-2.25%	1.29%	-10.86%
Tax Burden Percent	62.69%	62.67%	93.84%	79.57%	79.79%	77.45%	77.48%	79.21%	78.22%	78.65%	128.83%
Interest Burden Percent	100.00%	100.00%	100.00%	88.36%	88.88%	95.20%	91.82%	40.24%	-159.18%	100.00%	104.32%
Effective Tax Rate	37.31%	37.33%	6.16%	20.43%	20.21%	22.55%	22.52%	20.79%	0.00%	21.35%	0.00%
Return on Invested Capital (ROIC)	3.34%	5.44%	9.59%	13.57%	12.73%	19.57%	13.75%	5.71%	1.93%	1.84%	-14.16%
ROIC Less NNEP Spread (ROIC-NNEP)	3.34%	5.44%	9.59%	9.42%	8.99%	17.03%	11.03%	-1.86%	-9.45%	1.84%	-1,792.17%
Return on Net Nonoperating Assets (RNNOA)	1.72%	3.30%	6.13%	5.80%	5.47%	9.95%	7.75%	-1.53%	-8.40%	1.60%	-13.23%
Return on Equity (ROE)	5.06%	8.73%	15.73%	19.37%	18.20%	29.52%	21.50%	4.19%	-6.47%	3.44%	-27.38%
Cash Return on Invested Capital (CROIC)	-6.13%	1.36%	8.73%	6.07%	-5.61%	-4.36%	-18.82%	2.64%	-1.14%	-7.10%	-40.09%
Operating Return on Assets (OROA)	4.59%	7.76%	8.84%	14.29%	12.48%	19.09%	13.51%	4.99%	1.74%	1.48%	-6.85%
Return on Assets (ROA)	2.88%	4.87%	8.30%	10.05%	8.85%	14.07%	9.61%	1.59%	-2.17%	1.16%	-9.20%
Return on Common Equity (ROCE)	5.04%	8.72%	15.69%	19.33%	18.17%	29.48%	21.48%	4.18%	-6.47%	3.44%	-27.36%
Return on Equity Simple (ROE_SIMPLE)	5.07%	8.68%	15.84%	18.29%	16.96%	25.79%	19.94%	4.10%	-6.67%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	12	20	37	54	58	110	103	51	18	18	-72
NOPAT Margin	2.04%	3.44%	5.96%	8.06%	7.76%	12.10%	8.69%	3.63%	1.27%	1.29%	-5.65%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	4.15%	3.74%	2.54%	2.72%	7.57%	11.37%	0.00%	1,778.01%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	-	1.57%	-10.21%
Cost of Revenue to Revenue	53.69%	51.88%	51.50%	73.27%	73.96%	52.67%	55.32%	57.18%	54.42%	52.20%	51.81%
SG&A Expenses to Revenue	16.24%	15.64%	16.17%	16.03%	15.82%	14.38%	13.11%	12.62%	12.87%	13.58%	16.24%
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	43.06%	42.63%	42.15%	16.61%	16.32%	31.70%	33.46%	38.24%	43.77%	46.16%	56.26%
Earnings before Interest and Taxes (EBIT)	18	32	39	68	72	142	134	64	25	23	-104
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	23	37	43	72	77	146	138	75	37	37	-86
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.95	1.25	1.60	2.55	1.44	2.45	1.09	1.03	0.78	0.69	0.23
Price to Tangible Book Value (P/TBV)	0.95	1.25	1.60	2.55	1.47	2.50	1.11	1.05	0.80	0.72	0.24
Price to Revenue (P/Rev)	0.38	0.49	0.60	0.99	0.59	1.10	0.44	0.37	0.26	0.28	0.08
Price to Earnings (P/E)	18.72	14.42	10.11	13.96	8.50	9.52	5.48	25.11	0.00	21.90	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	5.34%	6.93%	9.89%	7.16%	11.76%	10.51%	18.24%	3.98%	0.00%	4.57%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.89	1.08	1.36	1.98	1.20	1.94	1.05	1.02	0.89	0.83	0.40
Enterprise Value to Revenue (EV/Rev)	0.57	0.70	0.85	1.22	0.80	1.34	0.77	0.65	0.59	0.60	0.18
Enterprise Value to EBITDA (EV/EBITDA)	14.14	11.12	11.99	11.34	7.75	8.35	6.64	12.18	22.18	22.91	0.00
Enterprise Value to EBIT (EV/EBIT)	17.52	12.68	13.38	12.05	8.19	8.59	6.88	14.29	32.74	36.83	0.00
Enterprise Value to NOPAT (EV/NOPAT)	27.95	20.23	14.26	15.14	10.26	11.09	8.88	18.04	46.78	46.83	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	22.69	55.75	52.09	32.77	28.34	0.00	0.00	0.00	0.00	0.00	3.60
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	80.80	15.67	33.85	0.00	0.00	0.00	38.97	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.47	0.51	0.66	0.59	0.71	0.56	0.92	0.94	1.18	1.00	0.59
Long-Term Debt to Equity	0.47	0.51	0.66	0.59	0.71	0.56	0.92	0.94	1.18	1.00	0.59
Financial Leverage	0.51	0.61	0.64	0.62	0.61	0.58	0.70	0.82	0.89	0.87	0.01
Leverage Ratio	1.76	1.80	1.89	1.93	2.06	2.10	2.24	2.63	2.98	2.96	2.98
Compound Leverage Factor	1.76	1.80	1.89	1.70	1.83	2.00	2.05	1.06	-4.75	2.96	3.10
Debt to Total Capital	32.01%	33.57%	39.75%	36.95%	41.56%	35.70%	48.02%	48.58%	54.02%	50.09%	37.15%
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	32.01%	33.57%	39.75%	36.95%	41.56%	35.70%	48.02%	48.58%	54.02%	50.09%	37.15%
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	0.15%	0.14%	0.13%	0.12%	0.10%	0.08%	0.05%	0.05%	0.05%	0.04%	0.07%
Common Equity to Total Capital	67.84%	66.29%	60.12%	62.93%	58.35%	64.22%	51.92%	51.37%	45.93%	49.86%	62.78%
Debt to EBITDA	4.71	3.21	3.51	2.13	2.82	1.54	3.18	6.27	14.87	15.61	-3.07
Net Debt to EBITDA	4.68	3.20	3.49	2.10	2.04	1.52	2.88	5.37	12.34	12.21	-1.54
Long-Term Debt to EBITDA	4.71	3.21	3.51	2.13	2.82	1.54	3.18	6.27	14.87	15.61	-3.07
Debt to NOPAT	9.31	5.84	4.17	2.84	3.73	2.05	4.26	9.28	31.37	31.90	-3.64
Net Debt to NOPAT	9.25	5.82	4.15	2.80	2.70	2.03	3.85	7.94	26.02	24.95	-1.82
Long-Term Debt to NOPAT	9.31	5.84	4.17	2.84	3.73	2.05	4.26	9.28	31.37	31.90	-3.64
Altman Z-Score	4.36	4.67	4.69	4.74	3.28	4.15	2.81	2.29	2.00	1.88	1.39
Noncontrolling Interest Sharing Ratio	0.22%	0.22%	0.22%	0.20%	0.18%	0.14%	0.11%	0.10%	0.10%	0.10%	0.10%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	15.76	15.20	7.14	1.48	2.82	1.91	3.38	3.97	4.94	3.90	3.36
Quick Ratio	14.31	13.89	6.48	0.13	1.71	0.13	0.22	0.29	0.25	0.24	0.81
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-21	5.06	33	24	-25	-25	-142	24	-10	-69	-205
Operating Cash Flow to CapEx	316.13%	1,119.69%	586.50%	640.65%	399.33%	-651.63%	-755.44%	-616.33%	-1,267.55%	-1,267.26%	4,270.81%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	3.06	-3.16	-3.60	-12.97	0.61	-0.16	0.00	-45.84
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	3.16	2.60	-7.89	-10.91	-3.54	-1.13	0.00	14.51
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	2.67	1.95	-9.10	-12.36	-4.12	-1.22	0.00	14.17
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	1.41	1.42	1.39	1.41	1.28	1.22	1.20	1.09	0.96	0.90	0.85
Accounts Receivable Turnover	1.71	1.69	1.64	3.45	273.45	281.42	287.12	253.68	214.08	194.01	165.77
Inventory Turnover	9.51	10.16	9.89	13.79	14.91	8.07	6.67	7.13	7.00	6.61	7.99
Fixed Asset Turnover	16.53	18.11	20.85	23.42	25.38	28.05	29.71	26.15	22.84	23.72	25.69
Accounts Payable Turnover	26.13	25.91	25.39	35.96	41.14	30.59	34.43	33.90	31.23	25.77	19.81
Days Sales Outstanding (DSO)	212.95	216.04	222.11	105.87	1.33	1.30	1.27	1.44	1.70	1.88	2.20
Days Inventory Outstanding (DIO)	38.40	35.92	36.90	26.46	24.49	45.20	54.74	51.18	52.15	55.22	45.71
Days Payable Outstanding (DPO)	13.97	14.09	14.37	10.15	8.87	11.93	10.60	10.77	11.69	14.17	18.43
Cash Conversion Cycle (CCC)	237.38	237.87	244.63	122.18	16.95	34.57	45.41	41.86	42.17	42.94	29.48
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	364	379	382	412	495	630	875	902	930	1,017	578
Invested Capital Turnover	1.63	1.58	1.61	1.68	1.64	1.62	1.58	1.58	1.52	1.43	2.50
Increase / (Decrease) in Invested Capital	33	15	3.28	30	83	135	245	27	28	87	133
Enterprise Value (EV)	324	409	521	816	593	1,221	919	916	826	840	234
Market Capitalization	216	291	369	664	436	997	521	512	366	392	101
Book Value per Share	$28.09	$29.87	$33.31	$38.83	$45.76	$61.45	$73.98	$78.25	$73.63	$68.92	$53.67
Tangible Book Value per Share	$28.05	$29.83	$33.26	$38.78	$44.73	$60.35	$72.65	$76.41	$71.37	$66.16	$50.92
Total Capital	337	351	383	414	519	633	918	970	1,025	1,142	710
Total Debt	108	118	152	153	216	226	441	471	554	572	264
Total Long-Term Debt	108	118	152	153	216	226	441	471	554	572	264
Net Debt	107	118	151	151	156	223	398	403	459	447	132
Capital Expenditures (CapEx)	4.52	0.66	1.70	3.89	5.24	8.26	16	22	5.83	3.85	1.52
Debt-free, Cash-free Net Working Capital (DFCFNWC)	347	367	366	14	7.27	42	83	96	99	85	29
Debt-free Net Working Capital (DFNWC)	348	368	367	16	67	45	125	164	194	210	161
Net Working Capital (NWC)	348	368	367	16	67	45	125	164	194	210	161
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	6.27	6.42	5.28	8.46	30	49	0.00	67
Net Nonoperating Obligations (NNO)	135	146	151	151	192	223	398	403	459	447	132
Total Depreciation and Amortization (D&A)	4.42	4.52	4.51	4.22	4.11	4.11	4.81	11	12	14	18
Debt-free, Cash-free Net Working Capital to Revenue	61.11%	62.51%	59.77%	2.08%	0.98%	4.63%	6.96%	6.83%	7.13%	6.14%	2.26%
Debt-free Net Working Capital to Revenue	61.21%	62.59%	59.93%	2.34%	8.97%	4.95%	10.54%	11.68%	13.91%	15.09%	12.54%
Net Working Capital to Revenue	61.21%	62.59%	59.93%	2.34%	8.97%	4.95%	10.54%	11.68%	13.91%	15.09%	12.54%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.38	$2.57	$5.04	$6.99	$7.74	$15.70	$14.33	$3.20	($4.92)	$2.38	($16.79)
Adjusted Weighted Average Basic Shares Outstanding	8.37M	7.85M	7.23M	6.81M	6.63M	6.63M	6.51M	6.37M	6.39M	7.52M	8.29M
Adjusted Diluted Earnings per Share	$1.33	$2.49	$4.90	$6.73	$7.39	$14.95	$13.67	$3.11	($4.92)	$2.33	($16.79)
Adjusted Weighted Average Diluted Shares Outstanding	8.67M	8.11M	7.44M	7.07M	6.95M	6.96M	6.82M	6.57M	6.39M	7.68M	8.29M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$7.74	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	8.02M	7.55M	6.96M	6.70M	6.63M	6.61M	6.37M	6.37M	6.40M	0.00	8.33M
Normalized Net Operating Profit after Tax (NOPAT)	12	21	37	54	58	110	104	51	18	18	-65
Normalized NOPAT Margin	2.08%	3.57%	5.98%	8.04%	7.75%	12.10%	8.70%	3.65%	1.29%	1.31%	-5.05%
Pre Tax Income Margin	3.26%	5.49%	6.36%	8.94%	8.64%	14.88%	10.30%	1.84%	-2.88%	1.64%	-8.43%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	8.59	8.99	20.84	12.23	1.67	0.39	0.00	-23.12
NOPAT to Interest Expense	0.00	0.00	0.00	6.84	7.17	16.14	9.48	1.33	0.27	0.00	-16.19
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	8.10	8.34	19.63	10.79	1.10	0.30	0.00	-23.46
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	6.34	6.52	14.93	8.03	0.75	0.18	0.00	-16.53
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.34%	0.20%	0.11%	0.08%	0.08%	0.04%	0.04%	0.20%	-0.13%	0.22%	-0.03%
Augmented Payout Ratio	122.92%	101.59%	115.97%	55.89%	31.26%	10.17%	36.56%	25.63%	-1.29%	2.64%	-0.24%

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

Metric	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026	Q1 2027
Period end date	10/31/2023	1/31/2024	4/30/2024	7/31/2024	10/31/2024	1/31/2025	7/31/2025	10/31/2025	1/31/2026	4/30/2026	7/31/2026
DEI Shares Outstanding	-	-	6,392,098.00	6,396,757.00	-	-	8,277,627.00	8,278,194.00	8,294,807.00	8,302,450.00	8,327,329.00
DEI Adjusted Shares Outstanding	-	-	6,392,098.00	6,396,757.00	-	-	8,277,627.00	8,278,194.00	8,294,807.00	8,302,450.00	8,327,329.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	0.87	-0.15	-	-	-0.69	-2.72	-9.25	-4.12	-8.28
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.26%	-7.91%	8.50%	0.00%	-3.48%	8.72%	0.00%	0.84%	-	0.00%	-57.30%
EBITDA Growth	-205.91%	-153.35%	-69.40%	931.43%	269.39%	203.65%	0.00%	-309.85%	-	0.00%	-1,504.23%
EBIT Growth	-253.20%	-189.74%	-58.31%	1,547.93%	232.35%	142.45%	0.00%	-423.31%	-	0.00%	-829.90%
NOPAT Growth	-238.64%	-173.28%	-60.87%	1,547.93%	235.48%	143.68%	0.00%	-415.84%	-	0.00%	-829.90%
Net Income Growth	-974.90%	-666.45%	-51.93%	0.00%	118.57%	137.02%	0.00%	-540.71%	-	0.00%	-1,102.58%
EPS Growth	-995.83%	-682.61%	-50.85%	0.00%	114.19%	127.61%	0.00%	-544.26%	-	0.00%	-1,100.00%
Operating Cash Flow Growth	-76.10%	144.95%	8.89%	0.00%	0.00%	-337.51%	0.00%	0.00%	-	252.47%	1,452.97%
Free Cash Flow Firm Growth	75.77%	-229.94%	-22.39%	-92.13%	80.85%	91.04%	0.00%	2,178.53%	-	0.00%	629.43%
Invested Capital Growth	4.40%	2,239.64%	3.11%	0.00%	2.76%	8.94%	0.00%	-47.59%	-	0.00%	-49.45%
Revenue Q/Q Growth	3.46%	-16.72%	29.08%	-10.08%	0.00%	-6.20%	0.00%	2.60%	-	5.72%	-51.93%
EBITDA Q/Q Growth	-178.85%	53.58%	-236.73%	403.56%	0.00%	-71.60%	0.00%	-375.09%	-	0.98%	-104.72%
EBIT Q/Q Growth	-210.98%	45.59%	-169.90%	278.41%	0.00%	-82.55%	0.00%	-210.82%	-	0.94%	-89.23%
NOPAT Q/Q Growth	-210.98%	45.59%	-207.97%	256.35%	0.00%	-82.46%	0.00%	-210.82%	-	0.94%	-89.23%
Net Income Q/Q Growth	-2,748.86%	68.90%	165.28%	-117.29%	0.00%	-37.99%	0.00%	-291.77%	-	55.41%	-101.70%
EPS Q/Q Growth	-2,766.67%	68.84%	164.93%	-117.24%	0.00%	-39.34%	0.00%	-292.75%	-	55.24%	-100.00%
Operating Cash Flow Q/Q Growth	-308.48%	121.19%	-182.78%	-39.59%	0.00%	0.00%	-130.79%	253.08%	-	1,244.40%	18.21%
Free Cash Flow Firm Q/Q Growth	-134.90%	-1,671.39%	95.07%	133.57%	0.00%	-728.93%	0.00%	0.00%	-	-100.00%	0.00%
Invested Capital Q/Q Growth	8.38%	0.74%	-12.19%	4.31%	0.00%	6.79%	0.00%	-46.29%	-	14.09%	-7.78%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	45.31%	47.18%	43.90%	46.35%	50.12%	48.00%	48.70%	48.88%	-	44.92%	51.79%
EBITDA Margin	-4.44%	-2.48%	-6.46%	5.83%	7.80%	2.36%	-1.17%	-5.42%	-	-10.32%	-43.96%
Operating Margin	-5.28%	-3.45%	-7.22%	4.93%	7.24%	1.35%	-2.17%	-6.57%	-	-12.00%	-47.23%
EBIT Margin	-5.28%	-3.45%	-7.22%	4.93%	7.24%	1.35%	-2.17%	-6.57%	-	-12.00%	-47.23%
Profit (Net Income) Margin	-7.63%	-2.85%	1.44%	-0.28%	1.47%	0.97%	-1.68%	-6.42%	-	-11.28%	-47.33%
Tax Burden Percent	77.16%	82.60%	79.87%	81.49%	71.66%	72.03%	77.49%	81.77%	-	94.02%	100.22%
Interest Burden Percent	187.23%	100.00%	-25.01%	-6.91%	28.29%	100.00%	100.00%	119.45%	-	100.00%	100.00%
Effective Tax Rate	0.00%	0.00%	20.13%	0.00%	28.34%	27.97%	0.00%	0.00%	-	0.00%	0.00%
Return on Invested Capital (ROIC)	-4.99%	-5.96%	-8.77%	4.95%	0.00%	0.00%	0.00%	0.00%	-	-18.62%	-45.22%
ROIC Less NNEP Spread (ROIC-NNEP)	-7.59%	-7.82%	-2.31%	2.36%	0.00%	0.00%	0.00%	0.00%	-	-25.23%	-51.66%
Return on Net Nonoperating Assets (RNNOA)	-8.53%	-1.14%	-2.05%	2.41%	0.00%	0.00%	0.00%	0.00%	-	-7.47%	-35.40%
Return on Equity (ROE)	-13.52%	-7.10%	-10.82%	7.36%	0.00%	0.00%	0.00%	0.00%	-	-26.09%	-80.62%
Cash Return on Invested Capital (CROIC)	-2.25%	-182.53%	-6.13%	-1.57%	0.00%	0.00%	0.00%	0.00%	-	-35.49%	51.15%
Operating Return on Assets (OROA)	-5.26%	-6.08%	-6.96%	4.52%	0.00%	0.00%	0.00%	0.00%	-	-10.17%	-36.45%
Return on Assets (ROA)	-7.59%	-5.02%	1.39%	-0.25%	0.00%	0.00%	0.00%	0.00%	-	-9.56%	-36.53%
Return on Common Equity (ROCE)	-13.50%	-3.45%	-10.81%	7.35%	0.00%	0.00%	0.00%	0.00%	-	-26.06%	-80.53%
Return on Equity Simple (ROE_SIMPLE)	-3.22%	-5.41%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	-13	-7.24	-22	12	18	3.16	-5.18	-16	-26	-25	-48
NOPAT Margin	-3.70%	-2.42%	-5.77%	3.45%	5.19%	0.97%	-1.52%	-4.60%	-	-8.40%	-33.06%
Net Nonoperating Expense Percent (NNEP)	2.60%	1.86%	-6.46%	2.60%	2.35%	0.00%	0.11%	2.37%	-	6.62%	6.44%
Return On Investment Capital (ROIC_SIMPLE)	-	-0.63%	-2.18%	1.12%	-	0.25%	-0.44%	-1.97%	-3.46%	-3.59%	-7.50%
Cost of Revenue to Revenue	54.69%	52.82%	56.10%	53.65%	49.88%	52.00%	51.30%	51.12%	-	55.09%	48.21%
SG&A Expenses to Revenue	12.47%	14.54%	11.45%	13.43%	13.65%	14.26%	15.06%	16.34%	-	15.81%	35.37%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
Operating Expenses to Revenue	50.59%	50.63%	51.12%	41.43%	42.88%	46.65%	50.87%	55.45%	-	56.91%	99.02%
Earnings before Interest and Taxes (EBIT)	-19	-10	-28	17	25	4.39	-7.40	-23	-37	-36	-69
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-16	-7.42	-25	20	27	7.69	-3.99	-19	-32	-31	-64
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.90	0.83	0.78	0.94	0.45	0.72	0.66	0.33	-	0.23	0.07
Price to Tangible Book Value (P/TBV)	0.92	0.86	0.80	0.99	0.47	0.75	0.69	0.35	-	0.24	0.08
Price to Revenue (P/Rev)	0.31	0.29	0.26	0.32	0.00	0.00	0.00	0.00	-	0.08	0.02
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	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%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.95	0.92	0.89	0.97	0.72	0.86	0.82	0.35	-	0.40	0.34
Enterprise Value to Revenue (EV/Rev)	0.72	0.72	0.59	0.68	0.00	0.00	0.00	0.00	-	0.18	0.17
Enterprise Value to EBITDA (EV/EBITDA)	24.01	47.97	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	33.07	115.85	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	47.24	165.50	0.00	0.00	0.00	0.00	0.00	0.00	-	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	-	3.60	1.21
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00	0.45
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.21	1.46	1.18	1.27	1.18	1.29	1.08	0.47	-	0.59	0.71
Long-Term Debt to Equity	1.21	1.46	1.18	1.27	1.18	1.29	1.08	0.47	-	0.59	0.71
Financial Leverage	1.12	0.15	0.89	1.02	1.07	1.15	0.87	0.48	-	0.30	0.69
Leverage Ratio	2.88	1.60	2.98	3.11	2.97	2.99	2.84	2.97	-	2.98	2.99
Compound Leverage Factor	5.39	1.60	-0.75	-0.21	0.84	2.99	2.84	3.55	-	2.98	2.99
Debt to Total Capital	54.83%	59.33%	54.02%	55.89%	54.23%	56.40%	51.93%	32.04%	-	37.15%	41.40%
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%
Long-Term Debt to Total Capital	54.83%	59.33%	54.02%	55.89%	54.23%	56.40%	51.93%	32.04%	-	37.15%	41.40%
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%
Noncontrolling Interests to Total Capital	0.05%	0.04%	0.05%	0.05%	0.04%	0.04%	0.04%	0.06%	-	0.07%	0.08%
Common Equity to Total Capital	45.12%	40.63%	45.93%	44.06%	45.73%	43.56%	48.03%	67.90%	-	62.78%	58.53%
Debt to EBITDA	13.87	33.52	-19.68	-60.89	0.00	0.00	0.00	0.00	-	-3.07	-1.82
Net Debt to EBITDA	13.76	28.89	-16.33	-50.84	0.00	0.00	0.00	0.00	-	-1.54	-1.07
Long-Term Debt to EBITDA	13.87	33.52	-19.68	-60.89	0.00	0.00	0.00	0.00	-	-3.07	-1.82
Debt to NOPAT	27.28	115.65	-19.71	-39.11	0.00	0.00	0.00	0.00	-	-3.64	-2.31
Net Debt to NOPAT	27.08	99.67	-16.34	-32.66	0.00	0.00	0.00	0.00	-	-1.82	-1.35
Long-Term Debt to NOPAT	27.28	115.65	-19.71	-39.11	0.00	0.00	0.00	0.00	-	-3.64	-2.31
Altman Z-Score	2.75	1.92	1.88	1.94	0.00	0.00	0.00	0.00	-	1.55	1.40
Noncontrolling Interest Sharing Ratio	0.10%	51.39%	0.10%	0.10%	0.00%	0.00%	0.00%	0.00%	-	0.10%	0.11%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	24.99	4.60	4.94	3.74	4.25	4.59	3.50	8.24	-	3.36	3.36
Quick Ratio	22.07	0.22	0.25	0.18	0.22	0.23	0.22	6.75	-	0.81	0.60
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-58	-1,021	-50	12	-11	-92	0.00	498	622	0.00	473
Operating Cash Flow to CapEx	-10,159.14%	442.86%	-815.05%	-1,518.46%	0.00%	-4,098.00%	-1,348.06%	1,318.63%	-	43,985.06%	0.00%
Free Cash Flow to Firm to Interest Expense	-3.48	0.00	0.00	0.65	-0.61	0.00	0.00	111.31	-	0.00	0.00
Operating Cash Flow to Interest Expense	-3.69	0.00	0.00	-0.82	0.00	0.00	0.00	2.02	-	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	-3.72	0.00	0.00	-0.87	0.00	0.00	0.00	1.87	-	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.99	1.76	0.96	0.92	0.00	0.00	0.00	0.00	-	0.85	0.77
Accounts Receivable Turnover	1.32	0.00	214.08	195.44	0.00	0.00	0.00	0.00	-	165.77	144.18
Inventory Turnover	6.35	0.00	7.00	6.55	0.00	0.00	0.00	0.00	-	7.99	7.57
Fixed Asset Turnover	22.25	20.98	22.84	23.14	0.00	0.00	0.00	0.00	-	25.69	22.79
Accounts Payable Turnover	32.88	0.00	31.23	22.48	0.00	0.00	0.00	0.00	-	19.81	19.92
Days Sales Outstanding (DSO)	276.50	0.00	1.70	1.87	0.00	0.00	0.00	0.00	-	2.20	2.53
Days Inventory Outstanding (DIO)	57.47	0.00	52.15	55.75	0.00	0.00	0.00	0.00	-	45.71	48.19
Days Payable Outstanding (DPO)	11.10	0.00	11.69	16.23	0.00	0.00	0.00	0.00	-	18.43	18.33
Cash Conversion Cycle (CCC)	322.86	0.00	42.17	41.39	0.00	0.00	0.00	0.00	-	29.48	32.39
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,052	1,060	930	970	1,081	1,154	1,055	566	507	578	533
Invested Capital Turnover	1.35	2.47	1.52	1.44	0.00	0.00	0.00	0.00	-	2.22	1.37
Increase / (Decrease) in Invested Capital	44	1,014	28	0.00	29	95	0.00	-514	-648	0.00	-522
Enterprise Value (EV)	1,003	980	826	942	777	998	862	196	-	234	183
Market Capitalization	427	389	366	443	250	402	372	184	-	101	27
Book Value per Share	$74.66	$73.35	$73.63	$73.64	$86.54	$67.59	$68.37	$67.05	$57.79	$53.67	$45.20
Tangible Book Value per Share	$72.84	$71.08	$71.37	$70.06	$82.96	$64.83	$65.50	$64.19	$55.04	$50.92	$42.46
Total Capital	1,056	1,154	1,025	1,069	1,210	1,281	1,176	817	744	710	643
Total Debt	579	685	554	597	656	722	611	262	264	264	266
Total Long-Term Debt	579	685	554	597	656	722	611	262	264	264	266
Net Debt	575	590	459	499	527	596	489	11	27	132	156
Capital Expenditures (CapEx)	0.60	2.93	1.32	0.99	0.00	0.75	0.44	0.69	0.24	0.15	-0.79
Debt-free, Cash-free Net Working Capital (DFCFNWC)	1,210	95	99	88	96	120	80	1,137	91	29	24
Debt-free Net Working Capital (DFNWC)	1,214	190	194	187	225	247	201	1,388	328	161	134
Net Working Capital (NWC)	1,214	190	194	187	225	247	201	1,388	328	161	134
Net Nonoperating Expense (NNE)	14	1.30	-28	13	13	0.00	0.55	6.37	51	8.74	21
Net Nonoperating Obligations (NNO)	575	590	459	499	527	596	489	11	27	132	156
Total Depreciation and Amortization (D&A)	3.02	2.92	2.92	3.15	1.93	3.30	3.41	4.03	5.11	5.08	4.76
Debt-free, Cash-free Net Working Capital to Revenue	87.07%	7.00%	7.13%	6.31%	0.00%	0.00%	0.00%	0.00%	-	2.26%	2.23%
Debt-free Net Working Capital to Revenue	87.38%	13.94%	13.91%	13.38%	0.00%	0.00%	0.00%	0.00%	-	12.54%	12.36%
Net Working Capital to Revenue	87.38%	13.94%	13.91%	13.38%	0.00%	0.00%	0.00%	0.00%	-	12.54%	12.36%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($4.30)	($1.34)	$0.87	($0.15)	$0.62	$0.38	($0.69)	($2.71)	($9.25)	($4.14)	($8.28)
Adjusted Weighted Average Basic Shares Outstanding	6.39M	6.39M	6.39M	6.40M	8.15M	8.26M	8.27M	8.28M	8.30M	8.29M	8.33M
Adjusted Diluted Earnings per Share	($4.30)	($1.34)	$0.87	($0.15)	$0.61	$0.37	($0.69)	($2.71)	($9.25)	($4.14)	($8.28)
Adjusted Weighted Average Diluted Shares Outstanding	6.39M	6.39M	6.39M	6.40M	8.29M	8.41M	8.27M	8.28M	8.30M	8.29M	8.33M
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	6.39M	6.39M	6.40M	6.40M	8.25M	8.26M	8.28M	8.29M	8.30M	8.33M	8.34M
Normalized Net Operating Profit after Tax (NOPAT)	-13	-7.16	-22	12	18	3.19	-5.18	-16	-26	-26	-48
Normalized NOPAT Margin	-3.68%	-2.39%	-5.72%	3.46%	5.20%	0.98%	-1.52%	-4.58%	-	-8.45%	-32.97%
Pre Tax Income Margin	-9.89%	-3.45%	1.81%	-0.34%	2.05%	1.35%	-2.17%	-7.85%	-	-12.00%	-47.23%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-1.15	0.00	0.00	0.94	1.39	0.00	0.00	-5.14	-	0.00	0.00
NOPAT to Interest Expense	-0.80	0.00	0.00	0.65	1.00	0.00	0.00	-3.60	-	0.00	0.00
EBIT Less CapEx to Interest Expense	-1.18	0.00	0.00	0.88	0.00	0.00	0.00	-5.29	-	0.00	0.00
NOPAT Less CapEx to Interest Expense	-0.84	0.00	0.00	0.60	0.00	0.00	0.00	-3.75	-	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	-0.26%	-0.16%	-0.13%	-0.13%	0.00%	0.00%	0.00%	0.00%	-	-0.03%	-0.02%
Augmented Payout Ratio	-0.71%	-1.48%	-1.29%	-1.29%	0.00%	0.00%	0.00%	0.00%	-	-0.24%	-0.14%

Financials Breakdown Chart

Key Financial Trends

America’s Car-Mart’s latest statements show a sharply weaker operating business, partly offset by significant debt reduction and improved reported operating cash flow. In Q1 fiscal 2027, revenue fell to $145.8 million from $341.3 million in the restated year-ago quarter, a decline of approximately 57%. Gross profit also dropped to $75.5 million from $166.2 million. However, gross margin improved to about 51.8% from 48.7%, suggesting better unit economics despite the lower sales volume.

Profitability deteriorated substantially. Q1 operating expenses totaled $144.3 million, nearly twice the $75.5 million of gross profit, producing an operating loss of $68.8 million. Net loss attributable to common shareholders widened to $69.0 million, or $8.28 per diluted share, compared with a $5.7 million loss, or $0.69 per share, in Q1 fiscal 2026. The company also reported losses in Q2, Q3 and Q4 fiscal 2026, indicating that the profitability problem has persisted across multiple quarters.

Cash flow was a notable bright spot, although its quality requires scrutiny. Operating cash flow was $80.1 million in Q1 fiscal 2027, compared with negative $5.9 million in the year-ago quarter and $67.7 million in Q4 fiscal 2026. This improvement was largely supported by $147.6 million of noncash adjustments despite the sizable net loss, so investors should determine whether these adjustments are recurring before treating the cash flow improvement as sustainable.

Long-term debt declined to $266.2 million from $610.8 million in Q1 fiscal 2026, reflecting substantial debt repayments and a materially less leveraged balance sheet.
The company generated $80.1 million of operating cash flow in Q1 fiscal 2027, a significant improvement from negative operating cash flow in the year-ago quarter.
Gross margin improved to approximately 51.8% from 48.7% year over year, indicating that profitability per dollar of revenue improved even as sales volume contracted.
Total current liabilities were only $57.0 million against $191.2 million of current assets, implying strong reported short-term coverage, although some current assets consist of restricted cash and other less-liquid items.
Treasury stock remained substantial at approximately $298.5 million, and the company continued to maintain a large accumulated equity base despite recent losses.
Cash and equivalents fell to $27.5 million from $117.9 million at Q3 fiscal 2026, while restricted cash declined to $82.4 million from $119.1 million. Total liquidity remains meaningful, but the decline deserves monitoring.
Noncurrent note and lease receivables decreased to $910.0 million from $1.18 billion in Q1 fiscal 2026. This may reflect collections, portfolio changes or reclassification, but the data alone does not identify the precise cause.
Revenue fell approximately 57% year over year and was less than half the $303.2 million reported in Q4 fiscal 2026, signaling severe pressure on sales activity.
The company posted a $68.8 million operating loss and a $69.0 million net loss in Q1 fiscal 2027, with operating expenses consuming virtually all gross profit and more.
Operating cash flow depended heavily on $147.6 million of noncash adjustments, while financing cash flow was negative $102.5 million because of debt repayment. Continued losses could make future deleveraging more difficult if operating cash flow normalizes.

Overall, CRMT’s balance-sheet risk has improved because of aggressive debt repayment, but the operating trend remains unfavorable. Retail investors should focus on whether revenue stabilizes, whether the company can reduce its unusually large operating expense burden, and whether positive operating cash flow continues without similarly large noncash adjustments.

10/15/26 10:19 AM ETAI Generated. May Contain Errors.

America's Car-Mart Financials - Frequently Asked Questions

According to the most recent income statement we have on file, America's Car-Mart's financial year ends in April. Their financial year 2026 ended on April 30, 2026.

America's Car-Mart's net income appears to be on a downward trend, with a most recent value of -$139.11 million in 2026, compared with $11.60 million in 2016. The previous period was $17.93 million in 2025. View America's Car-Mart's forecast to see where analysts expect America's Car-Mart to go next.

America's Car-Mart's total operating income in 2026 was -$103.51 million, based on the following breakdown:

Total Gross Profit: $617.52 million
Total Operating Expenses: $721.03 million

Over the last 10 years, America's Car-Mart's total revenue changed from $567.91 million in 2016 to $1.28 billion in 2026, a change of 125.7%.

In the past 14 quarters, America's Car-Mart's cash and equivalents has ranged from $0.00 in Q3 2023 to $122.36 million in Q2 2026, and is currently $27.53 million as of their latest financial filing in Q1 2027.

America's Car-Mart had total debt of $263.68 million at the end of 2026, a 53.9% decrease from 2025, and a 144.4% increase since 2016.

Over the last 10 years, America's Car-Mart's book value per share changed from 28.09 in 2016 to 53.67 in 2026, a change of 91.0%.

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Financial statements for NASDAQ:CRMT last updated on 9/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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America's Car-Mart (CRMT) Financials

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America's Car-Mart (CRMT) Financials

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