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America's Car-Mart

NSQ:CRMT · US03062T1051
Specialty RetailMedium

360

3
Profit price67
Owner Earnings Yield1
Dividend Yield1
Price/Sales100
EV / Gross Profit88
Price/Book93
Return on Capital13
Cash Return on Capital14
Return on Equity12
EBIT Margin21
Gross Profitability87
Accruals79
Owner Earnings Margin10
Sales growth6
Profit Growth4
Long-Term EPS Growth6
Owner Earnings Growth1
Reinvestment8
Price momentum1
Debt load52
Refinancing100
Debt Payback1
Liquidity10
Analyst ratings28
Expectations trend50
Market mood5
Value Creation4/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

America's Car-Mart doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Profile

CountryUSA
IndustrySpecialty Retail
SizeMedium
TypePublic Company
ExchangeNASDAQGS
Founded1989
Employees497
Websitecar-mart.com
ISINUS03062T1051
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
Consumer LendingAutomotiveCommunitiesE-CommerceFinancial ServicesPayments

Description

America's Car-Mart, Inc. operates as an automotive retailer in the United States focused exclusively on the ‘Integrated Auto Sales and Finance’ segment of the used car market. The company’s operations are principally conducted through its two operat…

Analysis

Middle-of-the-road

America's Car-Mart, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

Valuation data is not available for this company.

The trajectory is weak and the balance sheet is fragile. The company scores 4/20 on our value-creation score: not creating value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
27
2023202420252026

All-time high

39

Jan 2023

All-time low

13

Mar 2026

Average rank

25

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
100
64
58
46
Price/Earnings
97
50
8
67
Price/Book
93
75
67
85
Dividend Yield
1
64
59
58
Value (overall)
89
87
43
81

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →