MARKETS / NASDAQ / CRMT
NASDAQ · RETAIL-AUTO DEALERS & GASOLINE STATIONS · MID CAP

America’s Car-mart, Inc. CRMT

17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$1.0B
▼ 10.3% vs FY2024
EPS · FY25
$-16.79
Dividend / sh · FY25
Payout · FY25
ROE · FY25
-27.4%
Net margin · FY25
-13.5%
Dividend coverage
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Result
USD 1.0B
Revenue, FY2025 · full 17-year series below
Revenue Net income
0.40.81.21.61.0-0.12009201220152018202120242025
0.40.81.21.61.0-0.12016201920222025

The company lost 14 cents on every revenue dollar this year.

Per share
USD -16.79
Diluted EPS, FY2025
EPS
816-16.792009201220152018202120242025
816-16.792016201920222025

The company pays no cash dividend.

Profitability
-27.4%
Return on equity, FY2025
ROE
8162432-27.4%2009201220152018202120242025
8162432-27.4%2016201920222025
Operating margin-10.5%
Net margin-13.5%
Return on assets-9.2%

Each USD of equity lost 27 cents this year.

Returned to shareholders
USD 79,000.00
returned in FY2025 · dividends + net buybacks
Dividends paid
Net buybacksUSD 79,000.00
Share of profit-0.1%
Consecutive raises

USD 79,000.00 in buybacks went back to shareholders in a year without profit.

Growth
+5.2% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
−5.1%
+5.2%
+6.1%
+6.9%
Returned to shareholders
−74.8%
−62.3%
−40.4%
−30.9%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.01B
Shares outstanding, FY2025
0.010.012009201220152018202120242025
0.010.012016201920222025
Change, 5 years+25.3%
Change, 10 years+2.9%

The share count grew 25% in five years — the same company, cut into more, smaller slices.

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Balance sheet
USD 1.4B
total assets, end of FY2025
Total assetsUSD 1.4B
EquityUSD 445.6M
CashUSD 47.0M
Gross debtUSD 722.4M
Net debtUSD 675.4M

Net debt stands at 152% of equity.

History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
1.0
1.1
1.2
1.2
1.0
0.8
0.7
0.6
0.5
0.5
0.6
0.5
0.5
0.5
0.4
0.4
0.3
Operating income $B
−0.1
0.0
−0.0
0.0
·
·
·
·
·
·
·
·
·
·
·
·
·
EBITDA $B
−0.1
0.0
−0.0
0.0
·
·
·
·
·
·
·
·
·
·
·
·
·
Income tax $B
0.0
0.0
−0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
−0.1
0.0
−0.0
0.0
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
EPS, diluted $
−16.79
2.33
−4.92
3.11
13.92
15.05
7.39
6.73
4.90
2.49
1.33
3.25
2.25
3.36
3.24
2.54
2.27
Dividend / sh $
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Payout %
·
0
−0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
ROE %
−27.4
3.4
−6.5
4.2
21.5
29.6
18.2
19.4
15.8
8.8
5.1
13.3
10.2
16.6
17.8
15.1
·
Shares out B
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
41 of 42
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 1 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed