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

Americas Carmart Inc. CRMT

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$1.0B
▼ 10.3% YoY
$-139.1M
▼ 875.8% YoY
$63.1M
In brief

What this company does

America's Car-Mart primarily sells older model used vehicles and provides financing for substantially all of its customers, operating exclusively in the "Integrated Auto Sales and Finance" segment of the used car market. As of April 30, 2026, the company operated 94 dealerships located primarily in small cities throughout the South-Central United States. The company employed approximately 1,500 full-time associates as of April 30, 2026, including its consolidated subsidiaries. Its operations are principally conducted through two operating subsidiaries, America's Car Mart, Inc., an Arkansas corporation, and Colonial Auto Finance, Inc., an Arkansas corporation. The company operates in a single reportable segment, representing its core business of offering integrated automotive sales and financing solutions for customers with limited financial resources regardless of credit history. Its corporate headquarters, located in Rogers, Arkansas, provides centralized oversight of dealership operations. America's Car-Mart, Inc. is a Texas corporation.

Written from the business description in America's Car-Mart, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 14 July 2026. Every sentence was checked against that document before publication.

Growth
USD 1.0B
Revenue, FY2025 · full 17-year series below
Revenue $B Net income $B
FY2025 · Revenue 1.0 · Net income -0.1
0.50B1.00B-0.05B-0.10B200920112013201520172019202120232025
Compound annual growth
−5.1%
+5.2%
+6.1%
+6.9%
−74.8%
−62.3%
−40.4%
−30.9%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +5.2% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
−14 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -10.5% · Net -13.5%
5%10%-5%-10%200920112013201520172019202120232025
ROE
FY2025 · ROE -27.4%
10%20%-10%-20%200920112013201520172019202120232025

Each USD of equity lost 27 cents this year.

Cash & shareholders
USD 79,000.00
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 63.1
25.0M50.0M-80.0M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends — · Net buybacks 0.1
20.0M40.0M-25.0M-50.0M200920112013201520172019202120232025

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

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.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B1.01.11.21.21.00.80.70.60.50.50.60.50.50.50.40.40.3
Operating income $B−0.10.0−0.00.0·············
EBITDA $B−0.10.0−0.00.0·············
Income tax $B0.00.0−0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B−0.10.0−0.00.00.10.10.10.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.1−0.1−0.1−0.2−0.1−0.10.00.00.00.00.00.00.0−0.00.00.00.0
EPS, diluted $−16.792.33−4.923.1113.9215.057.396.734.902.491.333.252.253.363.242.542.27
Dividend / sh $·················
Payout %·0−000000000000000
ROE %−27.43.4−6.54.221.529.618.219.415.88.85.113.310.216.617.815.1·
Shares out B0.010.010.010.010.010.010.010.010.010.010.010.010.010.010.010.01·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures · 1 divergences in 59 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 1 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. 9 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures1 divergent
ActivityRetail-Auto Dealers & Gasoline Stations
Listed onNASDAQ
Incorporated inTexas
Fiscal year endsApril 30
SEC categorysmaller reporting company
Data on record since2009

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