CRMT · Americas Carmart Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $286.79M | $350.19M | $341.31M | $347.27M | $325.73M | $347.76M | $361.58M | $299.61M | $368.02M | $351.84M |
| Cost of Revenue | $142.86M | $179.02M | $175.08M | $173.22M | $169.37M | $186.57M | $198.56M | $158.25M | $203.88M | $206.14M |
| Gross Profit | $143.93M | $171.18M | $166.23M | $174.05M | $156.35M | $161.19M | $163.02M | $141.36M | $164.15M | $145.70M |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $51.51M | $57.22M | $51.41M | $47.41M | $46.46M | $46.71M | $44.86M | $43.56M | $46.47M | $42.91M |
| Total Operating Expenses | $323.51M | $377.68M | $348.71M | $340.15M | $321.34M | $348.95M | $397.17M | $309.96M | $362.81M | $347.78M |
| D&A | $2.04M | $2.10M | $2.14M | $1.93M | $1.89M | $1.88M | $1.70M | $1.71M | $1.69M | $1.31M |
| Operating Income | ($36.72M) | $7.12M | ($1.18M) | - | $4.39M | - | - | - | - | - |
| Interest Expense | - | - | - | $18.04M | - | $18.31M | $16.58M | $16.73M | $14.27M | $8.35M |
| Income Tax | $39.98M | ($5.01M) | ($1.67M) | $2.02M | $1.23M | ($219.0K) | ($8.13M) | ($1.80M) | $1.03M | $919.0K |
| Net Income | ($76.71M) | ($22.48M) | ($5.75M) | $5.09M | $3.15M | ($974.0K) | ($27.47M) | ($8.55M) | $4.18M | $3.13M |
| EPS - Basic | ($9.25) | ($2.71) | ($0.69) | $0.62 | $0.38 | ($0.15) | ($4.30) | ($1.34) | $0.65 | $0.49 |
| EPS - Diluted | ($9.25) | ($2.71) | ($0.69) | $0.61 | $0.37 | ($0.15) | ($4.30) | ($1.34) | $0.63 | $0.48 |
Balance Sheet
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $117.91M | $122.36M | $9.67M | $9.81M | $8.53M | $4.75M | $5.52M | $4.24M | $6.31M | $9.80M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | $101.18M | $104.75M | $112.45M | $112.23M | $143.93M | $114.55M | $107.47M | $109.31M | $117.19M | $109.29M |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.63B | $1.72B | $1.61B | $1.61B | $1.61B | $1.53B | $1.48B | $1.47B | $1.50B | $1.42B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.15B | $1.16B | $1.04B | $1.04B | $1.05B | $1.06B | $1.01B | $997.54M | $999.59M | $921.48M |
| Stockholders' Equity | $479.32M | $555.03M | $564.83M | $569.42M | $557.81M | $471.05M | $470.65M | $468.91M | $504.63M | $498.45M |
| Retained Earnings | $567.32M | $644.03M | $666.51M | $672.26M | $661.64M | $653.39M | $654.37M | $653.95M | $689.98M | $685.80M |
Cash Flow
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | ($5.92M) | - | - | ($14.97M) | - | - | ($45.40M) | - |
| Investing Cash Flow | - | - | ($439.0K) | - | - | ($8.51M) | - | - | ($850.0K) | - |
| Financing Cash Flow | - | - | $3.25M | - | - | $27.66M | - | - | $70.42M | - |
| CapEx | - | - | $459.0K | - | - | $986.0K | - | - | $1.38M | - |
| Free Cash Flow | - | - | ($6.38M) | - | - | ($15.96M) | - | - | ($46.78M) | - |
Ratios
| Metric | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | 50.2% | 48.9% | 48.7% | 50.1% | 48.0% | 46.4% | 45.1% | 47.2% | 44.6% | 41.4% |
| Operating margin | -12.8% | 2.0% | -0.3% | - | 1.3% | - | - | - | - | - |
| EBITDA margin | -12.1% | 2.6% | 0.3% | - | 1.9% | - | - | - | - | - |
| Net margin | -26.7% | -6.4% | -1.7% | 1.5% | 1.0% | -0.3% | -7.6% | -2.9% | 1.1% | 0.9% |
| Free cash flow margin | - | - | -1.9% | - | - | -4.6% | - | - | -12.7% | - |
| FCF / Net income | - | - | 1.11 | - | - | 16.38 | - | - | -11.20 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 18.0% | 16.3% | 15.1% | 13.7% | 14.3% | 13.4% | 12.4% | 14.5% | 12.6% | 12.2% |
| Effective tax rate | - | - | - | 28.4% | 28.0% | - | - | - | 19.8% | 22.7% |
| Return on assets | -4.7% | -1.3% | -0.4% | 0.3% | 0.2% | -0.1% | -1.9% | -0.6% | 0.3% | 0.2% |
| Return on equity | -16.0% | -4.1% | -1.0% | 0.9% | 0.6% | -0.2% | -5.8% | -1.8% | 0.8% | 0.6% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | 3.39 | 3.10 | 2.85 | 2.82 | 2.88 | 3.25 | 3.14 | 3.13 | 2.98 | 2.85 |
| Liabilities / Assets | 0.71 | 0.68 | 0.65 | 0.65 | 0.65 | 0.69 | 0.68 | 0.68 | 0.66 | 0.65 |
| Efficiency | ||||||||||
| Asset turnover | 0.18 | 0.20 | 0.21 | 0.22 | 0.20 | 0.23 | 0.24 | 0.20 | 0.24 | 0.25 |
| Inventory turnover | 1.41 | 1.71 | 1.56 | 1.54 | 1.18 | 1.63 | 1.85 | 1.45 | 1.74 | 1.89 |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | 258d | 214d | 234d | 236d | 310d | 224d | 198d | 252d | 210d | 194d |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | 77.7x | 131.6x | - | - | - | 189.1x | 167.5x |
| P / B | 0.4x | 0.3x | 0.7x | 0.7x | 0.7x | 0.9x | 0.8x | 0.8x | 1.6x | 1.1x |
| P / S | 0.7x | 0.5x | 1.1x | 1.1x | 1.3x | 1.3x | 1.0x | 1.3x | 2.1x | 1.5x |
| EV / EBITDA | - | 6.7x | 379.7x | - | 63.9x | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -12.0% | 0.8% | - | -4.0% | 8.7% | -5.5% | 2.8% | -8.2% | 31.3% | 22.0% |
| Revenue CAGR (3y) | -4.2% | -0.2% | -2.5% | 6.4% | 3.7% | 22.8% | 17.4% | 9.5% | 28.9% | 22.7% |
| Revenue CAGR (5y) | 4.7% | 9.4% | 12.7% | 12.8% | 11.8% | 16.2% | 16.7% | 13.2% | 20.2% | 18.7% |
| Gross profit growth (YoY) | -7.9% | -1.7% | - | 6.8% | 10.6% | -1.8% | 11.9% | -1.5% | 28.7% | 11.1% |
| Operating income growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Net income growth (YoY) | - | - | - | - | - | - | - | - | -83.3% | -86.3% |
| EPS growth (YoY) | - | - | - | - | - | - | - | - | -82.4% | -85.6% |
| EPS CAGR (3y) | - | - | - | -43.2% | -48.9% | - | - | - | -34.2% | -37.9% |
| EPS CAGR (5y) | - | - | - | -21.1% | -27.4% | - | - | - | -6.9% | -9.5% |
| FCF growth (YoY) | - | - | - | - | - | 65.9% | - | - | -41.4% | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | -14.1% | -2.5% | - | 21.0% | 19.0% | -6.7% | -5.6% | -1.6% | 19.6% | 6.2% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-04-30.
Product / service
$1.15B totalSales Used Autos$987.35M · 86.1%
Service Contract Sales$83.75M · 7.3%
Wholesales Third Party$40.07M · 3.5%
Payment Protection Plan Revenue$35.04M · 3.1%
Peer comparison
Same SIC group: Retail-Auto Dealers & Gasoline Stations
Comparing AMERICAS CARMART INC against the 5 most active filers in the same SIC group.