Americas Carmart Inc (CRMT) stock analysis
Close on Nov 11, 2026Market cap $7.99MP/E –Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Mixed9 of 30 checks passed
Americas Carmart passes 9 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 3/6
- Growth
- 2/6
- Past performance
- 0/6
- Financial health
- 4/6
- Dividend
- 0/6
What stands out
Margin of safety over 20%
The price is 98.2% below fair value, more than the 20% cushion we look for.
Trading below fair value
The share price of $0.96 is below our fair value estimate of $54.41.
No debt
Americas Carmart has no borrowings on its latest balance sheet.
Interest well covered
No meaningful interest expense to cover.
What to watch
Revenue growing under 10% a year
Revenue grew -2.9% a year over the last three fiscal years, short of the 10% we look for.
Elevated bankruptcy risk
The Altman Z-score is 1.44; above 3 is the safe zone and below 1.8 the distress zone.
Growing slower than the industry
Revenue grew -21.6% over the last twelve months; the Retail-auto dealers & gasoline stations median is 1.5%.
No dividend
Americas Carmart has not paid a dividend in the last twelve months.
Valuation3/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
EV/EBITDA against its history
Needs positive EBITDA and price history.
P/B below the industry
Americas Carmart's price-to-book of 0.02 is below the Retail-auto dealers & gasoline stations median of 2.37.
Trading below fair value
The share price of $0.96 is below our fair value estimate of $54.41.
Margin of safety over 20%
The price is 98.2% below fair value, more than the 20% cushion we look for.
Growth2/6
Revenue growing under 10% a year
Revenue grew -2.9% a year over the last three fiscal years, short of the 10% we look for.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew -21.6% over the last twelve months; the Retail-auto dealers & gasoline stations median is 1.5%.
Guidance raised
Americas Carmart raised its remainder of fiscal year 2026 expense savings outlook on Dec 4, 2025.
Gross margin improving
Gross margin was 48.5% over the last twelve months, against 48.4% a year earlier.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on invested capital
Needs operating income and invested capital.
Return on equity against the industry
Needs positive equity.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin against the industry
Needs revenue and net income.
Financial health4/6
No debt
Americas Carmart has no borrowings on its latest balance sheet.
Debt not rising
With no debt today, leverage cannot have risen.
Debt covered by cash flow
There is no debt to cover.
Interest well covered
No meaningful interest expense to cover.
Short-term liquidity
The balance sheet is not split into current and non-current items.
Elevated bankruptcy risk
The Altman Z-score is 1.44; above 3 is the safe zone and below 1.8 the distress zone.
Dividend0/6
No dividend
Americas Carmart has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itOur estimate per share
$54.41
The share price is 98% below this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/B | 1.6× | 0.8× | 2.4× | $71.69 | 50% |
| P/S | 0.3× | 0.3× | 0.3× | $37.13 | 50% |
| Fair value | $54.41 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 11.5
- Retail-auto dealers & gasoline stations median 12.5
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $592.86K
- Value traded per 1% price move
- $49.94K
Downside
High risk
- Typical loss in a bad month
- 78.4%
- Volatility (annualized)
- 165%
- Sharpe ratio, 1 year
- -0.60
- Beta to the S&P 500 (5Y)
- 1.60
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2012 to 2026
Gross margin
Net margin
Growth rates
Compound annual growth to fiscal 2026
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -7.9% | -2.9% | +7.1% | +8.5% | |
| Gross profit | -7.1% | +1.0% | +7.5% | +11.8% | |
| Free cash flow | – | – | – | +20.5% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2021 | FY2026 | Trend |
|---|---|---|---|---|
| Return on equity | 8.8% | – | – | |
| Return on assets | 4.9% | – | – | |
| Inventory turnover | 12.4× | 8.1× | 8.0× | |
| Capex to revenue | 0.3% | 1.0% | 0.1% | |
| Diluted shares | 8M | 7M | 8M |
Where the cash went
Fiscal 2022 to 2026, five years combined
Americas Carmart generated $442.53M from operations and spent $90.90M on capital expenditure, dividends and share buybacks. 55% of that went back into the business.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2020 | 6.9% | 1.28× | 2.06× | 18.2% |
| FY2019 | 7.1% | 1.41× | 1.93× | 19.4% |
| FY2018 | 6.0% | 1.39× | 1.90× | 15.8% |
| FY2017 | 3.4% | 1.42× | 1.80× | 8.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2026 against fiscal 2025
- ProfitableNet income above zero–
- Cash generatingOperating cash flow above zero$64.96M
- Return on assets improvedROA up on the prior year– → –
- Earnings backed by cashOperating cash flow above net income$64.96M vs –
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year47.80% → 48.19%
- More efficientAsset turnover rose0.94 → 0.80
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