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CRMT · NASDAQ · Auto - Dealerships

America's Car-Mart

Sells used vehicles and finances most customers through a Buy Here/Pay Here model.

$2.38

After-hours close+0.01 (+0.42%)

At close$2.37(+2.60%)

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Profile

America's Car-Mart, Inc.CRMTConsumer Discretionary

Sells older-model used vehicles and originates the related installment credit inside its dealership network. The model is concentrated in smaller South-Central communities, with revenue led by vehicle sales and shaped by interest income, credit performance, and access to lender funding.

Operates an integrated used-vehicle retail and finance model, selling older-model cars while originating and servicing customer installment contracts through the same dealership network. Many customers have limited credit histories or past credit problems, so the store relationship, underwriting, collections, and payment servicing sit close together.

Focuses on basic transportation in smaller South-Central U.S. communities, with a single reportable segment: Integrated Auto Sales and Finance. Customer-facing services also include financing options, trade-ins, service contracts, accident protection, and direct payment channels.

Credit quality, used-vehicle supply and pricing, lender access, and accounting controls around finance receivables shape the business. Recent context includes a lender waiver and strategic alternatives review, making liquidity and covenant compliance structural dependencies.

Company facts

CEODouglas Campbell

ListedMar 13, 1987

ExchangeNASDAQ

HeadquartersRogers, AR

CountryUnited States

Employees2,300

CIK0000799850

ISINUS03062T1051

Key statistics

Market cap$19.8M

EPS (ttm)−$16.22

P/E (ttm)−0.1467

ROE-26.3%

P/B0.0443

P/S0.0162

Dividend yield—

Beta2.46vs XLY 0.41

Year to date −90.2% · Average volume (30d) 231.7K

Analysts

Price target, next 12 months$14.00+488.2%Median of 9 analysts · vs the Aug 28 close

ConsensusBuy5 of 9 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $2.38

High$14.00+488.2%

Median$14.00+488.2%

Low$14.00+488.2%

12 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Rating	Prior target	Target
Mar 17, 2026	Jefferies	Reiterate	Hold	$29	$14
Dec 29, 2025	Jefferies	Target		$45	$29

Earnings

EPS

Estimate−$0.67

ReportedDue Sep 9, 2026

Revenue

Estimate$253.0M

ReportedDue Sep 9, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Jul 14, 2026Q4 FY26	−$0.66	$0.48	+172.7%	$334.9M	$302.8M	−9.6%	+0.23%

View details

Financial highlights

	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26
Revenue	$325.7M	$370.2M	$341.3M	$350.2M	$286.8M	$242.6M
Gross profit	$156.4M	$173.3M	$166.2M	$169.1M	$141.9M	$75.6M
Operating income	$21.4M	$30.0M	$9.6M	−$7.2M	−$14.8M	$28.1M
Net income	$3.2M	$10.6M	−$5.7M	−$22.5M	−$76.7M	−$29.6M
Diluted EPS	$0.37	$1.26	−$0.69	−$2.72	−$9.25	−$3.56
Gross margin	48.0%	46.8%	48.7%	48.3%	49.5%	31.2%
Operating margin	6.6%	8.1%	2.8%	-2.1%	-5.2%	11.6%

Fiscal years (4-quarter sums)FY22 $1.41B · FY23 $1.42B · FY24 $1.28B · FY25 $1.38B · FY26 $1.22B

Revenue by product · Q4 FY26

Sales Used Autos$203.2M · 84%

Service Contract Sales$18.1M · 7%

Wholesales Third Party$12.8M · 5%

Payment Protection Plan Revenue$8.6M · 4%

Balance sheet, Apr 30, 2026Cash & short-term investments $47.0M · Total debt $772.2M · Total assets $1.42B · Shareholders' equity $445.7M

Dividends

No dividends on record.

Ownership

Institutions 81.46%6.78M sharesInsiders 13.58%1.13M sharesOther 4.96%413.5K shares

Shares outstanding 8.33M · Float —

Float — provider float is below the insider stake.

The provider's float is smaller than the insider stake it should exclude, so it is not shown.

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Magnolia Group, LLC	1.26M	15.14%	13F	Apr 24, 2026
Silver Point Capital, L.P.	937.5K	9.99%	13G	Nov 6, 2025
Peterson Adam K · other: Former 10% beneficial owner	682.7K	8.20%	Form 4	Jul 22, 2026
Nantahala Capital Management, LLC	644.7K	7.74%	13F	May 15, 2026
Jonathan Z. Buba · director	632.4K	7.59%	Form 4	May 5, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Apr 27, 2026	Adam K. Peterson	10 percent owner	−8,000	$12.59
Dec 11, 2025	Jonathan M. Collins	officer: Chief Financial Officer	+197	$25.27