undamentalytics Newsletter

Americas Carmart Inc (CRMT) stock

Add holding +

NASDAQ: CRMT Nasdaq Automotive Retail Next results ~December 10, 2026

D Fundamentals grade

Americas Carmart Inc is a US-listed company in the automotive retail industry. Its financial year ends in April.

Stock price today

Loading chart…

Third-party market data · may be delayed

Fair value per share

Under review: every model's value for Americas Carmart Inc is far from the share price, which usually points to a data problem (a merger, a share-count change, a one-off) rather than a bargain or a bubble.

Price vs value

Under review: cash-flow value per share is not positive (net debt exceeds value). We'll show the comparison once resolved.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders1 buying, 1 selling1 purchase and 1 sale by directors and officers, last 12 monthsInsider trades
  • Funds37 adding, 58 cuttingOf 18 active managers that changed their stake, 11 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Americas Carmart files

Where Americas Carmart stands after its latest 10-Q

Revenue for the twelve months to July 2026 was $1.09bn, down 21.6% on a year earlier, a steeper fall than the 7.9% decline a quarter earlier. Free-cash-flow margin rose to 13.8% from -3.1% a year earlier.

Our model value for Americas Carmart is under review, so past values are not shown until it is resolved.

Source: 10-Q filed September 9, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~December 10, 2026 (estimated)

Americas Carmart Inc's trailing-twelve-month revenue fell 21.6% year on year, with a free-cash-flow margin of 13.8%. Where it stands out: free-cash-flow margin of 13.8% ranks 1 of 23 automotive retail companies we cover. Where it lags: revenue growth of -21.6% ranks 23 of 23 automotive retail companies we cover.

Current signal Revenue growth decelerating: TTM revenue growth slowed to -21.6% (-13.7pp vs the prior quarter), the 3rd consecutive quarterly slowdown.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Strengths

Nothing in Americas Carmart Inc's latest figures clears our strength thresholds.

Things to watch

  • Revenue shrinking. Revenue fell 21.6% over the last 12 months.
  • Growth slowing. The growth rate is 13.7 points lower than a quarter earlier.
  • Volatile shares. Over the past year the shares showed annualised volatility of 157% and a beta of 2.4 against the S&P 500.
  • Below peers: net margin. Net margin of -18.6% ranks 22 of 23 automotive retail companies we cover (median 1.3%).
  • Below peers: change in share count. Change in share count of 1.9% ranks 15 of 19 automotive retail companies we cover (median -1.1%).
  • Heavily shorted. 39.4% of the shares available to trade are sold short (6.8 days of average volume to cover).

Latest results: FY2027 Q1

Filed September 9, 2026
Earnings per share
-$6.65 against an average estimate of -$0.77: missed by 763.6%
Revenue
$146m, down 57.3% on a year earlier
Share reaction
-36.1% in the first session after the results on September 9, 2026, against -1.1% for the S&P 500
Next report
December 10, 2026; average EPS estimate -$1.24

Americas Carmart's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day-12.5%
  • 1 week+16.7%
  • 1 month-13.3%
  • This year-96.4%
  • 1 year-95.9%
  • 5 years-99.3%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$1.1B
Net margin
-18.6%
EPS (TTM, diluted)
$-24.38

Growth

Revenue growth
−21.6%
Change in growth rate
−13.7 pts
Share count change
+1.9%

Cash

Free cash flow (TTM)
$150M
FCF margin
13.8%
Stock pay % of revenue
0.2%

Earnings

Last results
September 9, 2026
Next results (est.)
December 3, 2026

News & updates

Updated November 3, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Agreement
  2. Agreement
  3. Agreement
  4. Agreement
  5. Agreement
  6. Agreement
  7. Leadership
  8. Agreement
  9. Agreement
  10. Results
  11. Agreement
  12. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: cash-flow value per share is not positive (net debt exceeds value).

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Americas Carmart Inc as an operating company, with every model that fits that kind of business. Cost of equity 10.1%: the 10-year Treasury yield (4.9%) plus a beta of 1.15 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. — Does not apply: This model is withheld pending its input or assumption review.
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. — Does not apply: This model is withheld pending its input or assumption review.
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: This model is withheld pending its input or assumption review.
Revenue-to-maturity model Revenue grown to maturity with the cash margin moving to the industry's; for companies not yet profitable. — Does not apply: This model is withheld pending its input or assumption review.
Price-to-sales vs peers Sales per share times peers' typical price-to-sales; used only when earnings are negative. ~$23 ~$20–$55 Left out: out of range vs price (25.26x)
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Americas Carmart Inc with Automotive Retail in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Valuation multiples over time Market data may be delayed

Americas Carmart Inc: market value and multiples by fiscal year
At fiscal year end 20162017201820192020202120222023202420252026Now
Share price$26.57$37.30$53.30$99.05$65.95$150.83$80.85$80.39$57.24$47.42$12.21$0.91
Market value$230m$303m$397m$700m$458m$1.1bn$552m$528m$366m$364m$101m$8m
+ Net debt (− = net cash)−$602000$118m$151m$151m$156m$223m$434m$629m$749m$767m$675m$596m
Enterprise value$230m$420m$548m$852m$614m$1.3bn$985m$1.2bn$1.1bn$1.1bn$777m$604m
Multiples
Price / sales 0.4x0.5x0.6x1.0x0.6x1.2x0.5x0.4x0.3x0.3x0.1x0.0x
Price / earnings 19.9x15.0x10.9x14.7x8.9x10.0x5.8x25.9x—20.4x——
Price / free cash flow 23.6x52.6x51.3x33.6x29.6x—————1.6x0.1x
EV / EBITDA ————————————

Market value uses the period's diluted share count; figures for each fiscal year use that year's results and the price at year end. "Now" uses today's price and the last twelve months.

Moat

30 /100

Weak moat

How hard Americas Carmart's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 7 / 20

    Net income has been a median 5.6% of total assets over 10 years.

  • Pricing power 13 / 20

    Gross margin has been a median 45.1%, moving by 4.9 percentage points (standard deviation) across 10 years.

  • Durability 0 / 20

    Net margin has been a median 4.9%; its worst year was -18.6%.

  • Cash conversion 5 / 20

    Free cash flow was positive in 5 of 10 years, at a median -1.1% of revenue.

  • Discipline 10 / 20

    The diluted share count rose 18.9% over five years; stock-based pay has been a median 0.3% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (35 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: December 10, 2026, before the open. Analysts expect revenue of $209m and EPS of −$1.24 (range −$1.24 to −$1.24) for the quarter.

Analysts' consensus

Americas Carmart Inc: consensus estimates
Fiscal yearEPSGrowthRevenueGrowth
Current −$3.94 −56% $851m −34%
Next −$2.26 +43% $862m +1%

Next year's EPS estimate has moved −188.3% in 90 days, across 1 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +87.6% on 90 days ago. In the last 30 days, 0 analysts raised Americas Carmart Inc's forecast and 1 cut it.

Consensus EPS forecast Americas Carmart Inc, last 90 days
−$4.00 −$2.00 $0.00 $2.00 $4.00 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: −$2.10 Current fiscal year, 60 days ago: −$3.94 Current fiscal year, 30 days ago: −$3.94 Current fiscal year, 7 days ago: −$3.94 Current fiscal year, Now: −$3.94 −$3.94 Next fiscal year, 90 days ago: $2.56 Next fiscal year, 60 days ago: −$2.26 Next fiscal year, 30 days ago: −$2.26 Next fiscal year, 7 days ago: −$2.26 Next fiscal year, Now: −$2.26 −$2.26

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago −$2.10$2.56
60 days ago −$3.94−$2.26
30 days ago −$3.94−$2.26
7 days ago −$3.94−$2.26
Now −$3.94−$2.26

Earnings against estimates

Americas Carmart Inc: reported EPS against the consensus estimate
Quarter toEstimateActualSurprise
Jul 2026 −$0.77 −$6.65 −763.6%
Apr 2026 −$0.59 $0.48 +181.4%
Jan 2026 −$0.26 −$1.53 −496.1%
Oct 2025 −$0.28 −$0.79 −182.1%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, September 9, 2026

No numeric guidance in Americas Carmart Inc's latest earnings release (filed September 9, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

2 analysts, Nov 2026
Buy150%
Hold150%
Sell00%

Monthly trend

  1. Nov 2026112
  2. Oct 2026112

Counts of recommendations published by analysts covering Americas Carmart Inc, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
39.4%
of tradable shares
Days to cover
6.79
at average volume
Short interest, 1 month
+46%
to October 15, 2026
Held by institutions
65%
of shares
Held by insiders
7.4%
of shares
Employees
1,500
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months −95.9%

$22.24 on October 31, 2025 to $0.91

Americas Carmart Inc: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $1.4bn $1.1bn −21.6%
P/S multiple 0.1x 0.0x −94.7%
Share count 8m 8m −1.8%

Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.

Last 3 years −98.8%

$74.26 on November 3, 2023 to $0.91

Americas Carmart Inc: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $1.4bn $1.1bn −24.1%
P/S multiple 0.3x 0.0x −98.0%
Share count 7m 8m −20.8%

Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Americas Carmart Inc: yearly return, monthly win rate and worst fall against the S&P 500
Calendar year 202120222023202420252026 to date
Return
CRMT−7%−29%+5%−32%−51%−96%
Industry peers (median)+38%−16%+21%+2%−14%−6%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
CRMT58%50%50%42%42%36%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
CRMT−44%−53%−51%−50%−71%−98%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 100% from May 26, 2021 to October 21, 2026. Getting back needed a 26342% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$0.66 – $28.25
From 52-week high
−96.8%
vs 50-day average
−38.2%
vs 200-day average
−90.0%
Volatility (1 year)
157%
Beta vs S&P 500
2.38

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
5 up, 7 down
typical move ±17.2%
After a week
6 up, 6 down
typical move ±16.9%
After a month
6 up, 6 down
typical move ±16.6%
Americas Carmart Inc: share-price change after each results release
Results releasedNext dayS&P 500 next day5 days21 days
September 9, 2026 −36.1% −1.1% −27.3% −49.8%
July 14, 2026 +42.1% +0.8% +29.1% +4.3%
March 12, 2026 −29.0% −2.1% −36.1% −42.1%
December 4, 2025 +11.4% +0.3% +8.5% +11.7%
September 4, 2025 −19.1% +0.5% −20.8% −31.5%
June 12, 2025 −14.8% −0.7% −11.2% −0.8%
March 10, 2025 −0.4% −3.5% +6.4% −2.3%
March 6, 2025 +16.1% −1.2% +18.0% +13.8%
December 5, 2024 +17.4% 0.0% +21.0% +5.2%
September 4, 2024 −11.6% −0.4% −21.3% −32.2%
June 18, 2024 −2.8% 0.0% −2.6% +3.0%
March 8, 2024 +5.6% −0.7% +0.3% +2.0%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Americas Carmart Inc in five measures

Fundamentals grade D
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Americas Carmart Inc
$1B $1.1B $1.2B $1.3B $1.4B $1.5B FY24 Q2 FY25 Q1 FY25 Q4 FY27 Q1 Revenue (TTM), FY24 Q2: $1.4B Revenue (TTM), FY24 Q3: $1.4B Revenue (TTM), FY24 Q4: $1.4B Revenue (TTM), FY25 Q1: $1.4B Revenue (TTM), FY25 Q2: $1.4B Revenue (TTM), FY25 Q3: $1.4B Revenue (TTM), FY25 Q4: $1.4B Revenue (TTM), FY26 Q1: $1.4B Revenue (TTM), FY26 Q2: $1.4B Revenue (TTM), FY26 Q3: $1.3B Revenue (TTM), FY26 Q4: $1.3B Revenue (TTM), FY27 Q1: $1.1B $1.1B

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue (TTM)
FY24 Q2 $1.4B
FY24 Q3 $1.4B
FY24 Q4 $1.4B
FY25 Q1 $1.4B
FY25 Q2 $1.4B
FY25 Q3 $1.4B
FY25 Q4 $1.4B
FY26 Q1 $1.4B
FY26 Q2 $1.4B
FY26 Q3 $1.3B
FY26 Q4 $1.3B
FY27 Q1 $1.1B
Revenue growth, TTM YoY Americas Carmart Inc
-30% -20% -10% 0% 10% FY24 Q2 FY25 Q1 FY25 Q4 FY27 Q1 Revenue growth, TTM YoY, FY24 Q2: 9.1% Revenue growth, TTM YoY, FY24 Q3: 4.1% Revenue growth, TTM YoY, FY24 Q4: -0.9% Revenue growth, TTM YoY, FY25 Q1: -4.1% Revenue growth, TTM YoY, FY25 Q2: -5.5% Revenue growth, TTM YoY, FY25 Q3: -2.0% Revenue growth, TTM YoY, FY25 Q4: 0.0% Revenue growth, TTM YoY, FY26 Q1: 0.9% Revenue growth, TTM YoY, FY26 Q2: 2.1% Revenue growth, TTM YoY, FY26 Q3: -2.7% Revenue growth, TTM YoY, FY26 Q4: -7.9% Revenue growth, TTM YoY, FY27 Q1: -21.6% -21.6%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue growth, TTM YoY
FY24 Q2 9.1%
FY24 Q3 4.1%
FY24 Q4 -0.9%
FY25 Q1 -4.1%
FY25 Q2 -5.5%
FY25 Q3 -2.0%
FY25 Q4 0.0%
FY26 Q1 0.9%
FY26 Q2 2.1%
FY26 Q3 -2.7%
FY26 Q4 -7.9%
FY27 Q1 -21.6%
FCF margin (TTM) Americas Carmart Inc
-10% 0% 10% 20% FY24 Q2 FY25 Q1 FY25 Q4 FY27 Q1 FCF margin (TTM), FY24 Q2: -8.8% FCF margin (TTM), FY24 Q3: -5.9% FCF margin (TTM), FY24 Q4: -5.8% FCF margin (TTM), FY25 Q1: -3.6% FCF margin (TTM), FY25 Q2: -3.0% FCF margin (TTM), FY25 Q3: -6.0% FCF margin (TTM), FY25 Q4: -3.8% FCF margin (TTM), FY26 Q1: -3.1% FCF margin (TTM), FY26 Q2: -0.8% FCF margin (TTM), FY26 Q3: 1.0% FCF margin (TTM), FY26 Q4: 4.9% FCF margin (TTM), FY27 Q1: 13.8% 13.8%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period FCF margin (TTM)
FY24 Q2 -8.8%
FY24 Q3 -5.9%
FY24 Q4 -5.8%
FY25 Q1 -3.6%
FY25 Q2 -3.0%
FY25 Q3 -6.0%
FY25 Q4 -3.8%
FY26 Q1 -3.1%
FY26 Q2 -0.8%
FY26 Q3 1.0%
FY26 Q4 4.9%
FY27 Q1 13.8%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Americas Carmart Inc: annual financial statements
Fiscal year 2010 Apr 2010 2011 Apr 2011 2012 Apr 2012 2013 Apr 2013 2014 Apr 2014 2015 Apr 2015 2016 Apr 2016 2017 Apr 2017 2018 Apr 2018 2019 Apr 2019 2020 Apr 2020 2021 Apr 2021 2022 Apr 2022 2023 Apr 2023 2024 Apr 2024 2025 Apr 2025 2026 Apr 2026 LTM Jul 2026
Income
Revenue 339 379 430 465 489 530 568 588 612 669 745 910 1,191 1,400 1,394 1,391 1,282 1,086
Gross profit 166 183 163 177 183 200 202 215 222 243 265 431 532 600 635 665 618 526
Net income 27 28 33 32 21 29 12 20 37 48 51 105 95 20 −31 18 −139 −202
Diluted EPS $2.27 $2.54 $3.24 $3.36 $2.25 $3.25 $1.33 $2.49 $4.90 $6.73 $7.39 $15.05 $13.92 $3.11 −$4.92 $2.33 −$16.79 −$24.38
Growth (year on year)
Revenue — +11.9% +13.4% +8.0% +5.3% +8.4% +7.1% +3.5% +4.2% +9.3% +11.3% +22.2% +30.9% +17.6% −0.5% −0.2% −7.9% −21.6%
Net income — +5.1% +16.9% −2.5% −34.3% +39.6% −60.7% +74.2% +80.7% +30.4% +7.8% +104.1% −9.4% −78.5% — — — —
Diluted EPS — +11.9% +27.6% +3.7% −33.0% +44.4% −59.1% +87.2% +96.8% +37.3% +9.8% +103.7% −7.5% −77.7% — — — —
Margins
Gross margin 48.9% 48.3% 38.0% 38.0% 37.4% 37.7% 35.5% 36.6% 36.3% 36.3% 35.5% 47.3% 44.7% 42.8% 45.6% 47.8% 48.2% 48.5%
Net margin 7.9% 7.4% 7.7% 6.9% 4.3% 5.6% 2.0% 3.4% 6.0% 7.1% 6.9% 11.5% 8.0% 1.5% −2.3% 1.3% −10.9% −18.6%
Free-cash-flow margin 0.5% 3.2% 1.7% −1.5% 3.0% 1.6% 1.7% 1.0% 1.3% 3.1% 2.1% −6.9% −11.3% −11.3% −5.7% −3.8% 4.9% 13.8%
Cash flow
Cash from operations 8 17 12 −1 22 12 14 7 10 25 21 −54 −119 −136 −74 −49 65 151
Capital spending 6 5 4 6 7 4 5 2 2 4 5 9 16 22 6 4 2 1
Free cash flow 2 12 7 −7 15 8 10 6 8 21 15 −63 −135 −158 −80 −53 63 150
Stock-based pay 3 3 2 2 1 1 2 1 2 4 5 6 5 5 4 5 4 2
Free cash flow after stock pay −1 9 5 −9 13 8 8 4 6 17 11 −69 −140 −163 −84 −57 59 147
Balance sheet
Cash 0 0 0 0 0 1 1 0 1 2 60 3 7 10 6 10 47 28
Total debt 0 0 0 0 0 0 0 118 152 153 216 226 441 639 754 777 722 624
Net debt (negative = net cash) −0 −0 −0 −0 −0 −1 −1 118 151 151 156 223 434 629 749 767 675 596
Diluted shares 12m 11m 10m 10m 9m 9m 9m 8m 7m 7m 7m 7m 7m 7m 6m 8m 8m 8m
Returned to shareholders
Dividends 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 — —
Buybacks 11 20 39 17 13 20 14 20 42 27 16 11 35 5 0 0 0 0
Total returned 11 20 39 17 13 20 14 21 42 27 16 11 35 5 0 0 0 0

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Financial health

0 of 0 checks passed · July 31, 2026
  • Short-term assets cover short-term liabilities The company doesn't report a short-term split. Not assessable.
  • Short-term assets cover long-term liabilities Not assessable from the reported split. Not assessable.
  • More cash than debt Cash or debt not separately reported. Not assessable.
  • Debt below 40% of shareholders' equity Equity or debt not reported. Not assessable.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt Cash flow or debt not reported. Not assessable.
  • Operating profit covers interest at least five times over Interest not separately reported. Not assessable.

From Americas Carmart Inc's latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Dividends, buybacks and capital spending

FY2027 Q1 TTM
Buybacks (TTM)
$251,000
Dividends (TTM)
$40,000
Returned to shareholders
2%
of free cash flow
Buybacks, last 3 fiscal years
$1.1M
Diluted share count
+1.9%
year over year
Total shareholder yield
3.8%
dividends 0.5% + buybacks 3.3% of market value
Sales & admin spending
19.1%
of revenue

Competitors: side by side with peers

Closest by revenue in automotive retail
Growth, margins and cash generation against peers
Last 12 months unless stated CRMT RDNW MNRO VVV PRTS SDA Median
Revenue, last 12 months $1.1bn $1.1bn $1.1bn $2.0bn $517m $489m $8.6bn
Revenue growth, last 12 months −21.6% −1.3% −4.4% 16.1% −7.7% 10.7% −0.8%
Revenue growth, 3-year average −8.8% −14.7% −4.2% 12.2% −8.4% — 2.1%
Revenue growth, latest quarter −57.3% −1.0% −1.8% 24.1% 1.2% — 1.2%
Gross margin 48.5% 27.7% 34.8% 38.3% 33.1% — 23.4%
Operating margin — 3.7% 1.7% 15.3% −4.1% 0.8% 3.7%
Operating margin, 3-year average — −1.6% 2.0% 20.2% −6.3% — 4.0%
Net margin −18.6% −0.8% 0.1% 5.2% −4.0% −0.8% 1.3%
Cash from operations / revenue 13.9% −1.4% 3.9% 20.7% 0.5% 1.2% 2.5%
Free-cash-flow margin 13.8% −1.9% 1.1% 6.9% −1.3% 1.1% 1.1%
Free-cash-flow margin, 3-year average 2.4% 1.1% 4.2% 2.4% −3.6% — 2.2%
Stock pay / revenue 0.2% 0.3% 0.6% 0.6% 0.7% 0.2% 0.3%
Change in share count 1.9% 4.5% 1.3% −0.6% 1.6% 6.3% −1.1%

Median of all 23 companies we cover in automotive retail. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

23 automotive retail companies
Measures ranked against peers
Measure Company Peer median Rank
Revenue growth Growth -21.6% -0.8% 23 of 23
Change in growth rate Growth -13.7pp -0.5pp 22 of 23
Gross margin Profitability 48.5% 27.7% 3 of 20
Net margin Profitability -18.6% 1.3% 22 of 23
Free-cash-flow margin Cash generation 13.8% 1.1% 1 of 23
Stock pay as % of revenue Cash generation 0.2% 0.3% 10 of 22
Change in share count Balance sheet 1.9% -1.1% 15 of 19

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to April 30, 2026
Products and services
Line of business Revenue YoY
Sales Used Autos $861M ▼ 12.8%
Service Contract Sales $85.2M ▲ 1.7%
Wholesales Third Party $46.9M ▲ 17.0%
Payment Protection Plan Revenue $34.4M ▼ 1.8%

These categories overlap or exclude eliminations, so shares aren't shown.

From Americas Carmart Inc's 10-K filed July 14, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Reported value
$17.4M
Institutions reporting
72
Shares held vs prior quarter
▼ 8.0%
Positions opened / closed
13 / 33

Top buyers and sellers, Q2 2026: 37 institutions bought and 58 sold ; the biggest buyer was Nantahala Capital Management, LLC (+645K shares) and the biggest seller Prescott Group Capital Management, L.L.C (−372K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Nantahala Capital Management, LLC $3.6M 1.3M 20.7% ▲ 100.0%
Magnolia Group, LLC $3.1M 1.1M 18.0% ▼ 11.2%
Ameriprise Financial Inc $1.6M 560K 9.0% ▲ 107.8%
Vanguard Capital Management LLC $875,840 314K 5.0% ▼ 4.7%
AQR Capital Management LLC $801,302 287K 4.6% ▲ 199.4%
Blackrock, Inc. $708,418 254K 4.1% ▼ 54.9%
Prescott Group Capital Management, L.L.C. $636,053 228K 3.7% ▼ 62.0%
Yacktman Asset Management LP $571,950 205K 3.3% ▲ 5.1%
Jpmorgan Chase & Co $531,330 208K 3.1% ▲ 85.5%
Charles Schwab Investment Management Inc $476,872 171K 2.7% ▼ 17.9%
Massachusetts Institute Of Technology $467,057 167K 2.7% 0.0%
HSBC Holdings PLC $295,165 106K 1.7% ▲ 734.9%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Americas Carmart Inc's complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Recent insider open-market transactions
Insider Date Trade Shares Price Value
Magnolia Group, Llc 10% owner April 27, 2026 Sell 8,000 $12.59 $100,720
Collins Jonathan M. Chief Financial Officer December 11, 2025 Buy 197 $25.27 $4,978

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around December 3, 2026 estimated from the company's past filing pattern, not announced

  • September 9, 2026
  • July 14, 2026
  • March 12, 2026
  • December 4, 2025
  • September 4, 2025
  • June 12, 2025

Recent SEC filings

Data status

When each part of this page on Americas Carmart Inc was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Americas Carmart Inc in brief

What does Americas Carmart Inc do?
Americas Carmart Inc is a US-listed company in the automotive retail industry. Its financial year ends in April.
What is Americas Carmart Inc's stock ticker?
Americas Carmart Inc trades under the ticker CRMT on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Americas Carmart Inc's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Americas Carmart Inc reported revenue of $1.1B, 21.6% lower than a year earlier, according to its SEC filings.
What is Americas Carmart Inc's free cash flow?
Americas Carmart Inc's free-cash-flow margin is 13.8% of revenue over the trailing twelve months, ranking 1 of the 23 automotive retail companies we cover.
Who are Americas Carmart Inc's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Nantahala Capital Management, LLC, Magnolia Group, LLC and Ameriprise Financial Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Americas Carmart Inc buying back stock, and does it pay a dividend?
Americas Carmart Inc spent $251,000 on share repurchases over the trailing twelve months, and its diluted share count still rose 1.9% over the year.
What is Americas Carmart Inc's market cap?
On November 2, 2026, Americas Carmart Inc's market capitalisation was about $7.6M and net debt of $596M. Market figures come from third-party market data and may be delayed.
Does Americas Carmart Inc pay a dividend?
Yes: Americas Carmart Inc paid $40,000 in dividends over the trailing twelve months, a dividend yield of 0.53%.
Who are Americas Carmart Inc's competitors?
In our Automotive Retail peer group, the companies closest to Americas Carmart Inc are Ridenow Group, Inc., Monro, Inc., Valvoline Inc, Carparts.com, Inc. and Suncar Technology Group Inc. The side-by-side comparison below sets their revenue, margins and growth against Americas Carmart Inc's.
Are insiders buying or selling Americas Carmart Inc stock?
Over the last 12 months, Americas Carmart Inc's directors and officers reported 1 open-market purchases and 1 sales on Form 4. The insider trading page charts every trade.
When is Americas Carmart Inc's next earnings date?
Around December 10, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Americas Carmart Inc announces its own schedule.