StockAnalyzer

Financial Analysis

DashboardSectorsComparablesScreenerUniverseMicrocapsAI 2nd OrderTheme MapEnergy & MaterialsMacroWatchlistCompareMi CarteraPortfolio

Recent

v0.1
CRMT$6.86-3.43%
Fair $6.86+0.0%

CRMT

America's Car-Mart, Inc.

Consumer Cyclical / Auto & Truck DealershipsNasdaqGS

$6.86

-0.24 (-3.43%)

Fairly Valued+0.0%Fair Value $6.86Fund rank 23/100 · Data gapFallback financials|
SA 35/D
F-Score: 5/9
Declining RevenueLow Profitability

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 33% · confianza 25%

FCF escenarios

weak_data · normalized FCF $-80.0M · quality 47.7/100

Data gap 23/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 28/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

35/100

D

Piotroski

5/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 16Warnings: 2unknown: 16
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Revenue has declined for 2 consecutive years ROE is 3.1%, below the 5% threshold
Thesis & Journal · CRMTLocal privado en este navegador · America's Car-Mart, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$57M

P/E

2.8x

↓

EV/EBITDA

8.8x

↓

ROE

3.1%

↓

Gross Margin

47.8%

↑

Debt/Equity

1.48

↑
52-Week Range$7
$7$63

TradingView lightweight chart

CRMT price, volumen y niveles de valoración

Último $6.625Periodo +94.5%
Fair value: $6.860

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2010–2025 · 15 años de histórico normalizado

Revenue CAGR

+9.9%

FCF CAGR

—

FCF margin

-3.8%

FCF / Net income

-2.94x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $1.39B · net income $17.9M · FCF $-52.7M

2010-FY → 2025-FY

Gross margin

47.8%— pts

Operating margin

6.7%— pts

Net margin

1.3%-6.6% pts

FCF margin

-3.8%-4.3% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Income Statement
Revenue$1.39B$1.39B$1.39B$1.40B$1.19B$799.1M$653.0M$586.5M$537.5M$520.1M$567.9M$530.3M$489.2M$464.7M$430.2M$379.3M$338.9M
Net Income$17.9M$17.9M$-31.4M$20.4M$95.0M$104.8M$51.3M$47.6M$36.5M$20.2M$11.6M$29.5M$21.1M$32.2M$33.0M$28.2M$26.8M
EBITDA$101.1M$101.1M$32.1M$69.7M$137.6M————————————
EPS2.332.33-4.923.1113.6715.057.396.734.902.491.333.252.253.363.242.542.27
Gross Margin47.8%47.8%45.6%42.8%44.7%—40.5%41.4%41.3%41.4%35.5%37.7%37.4%38.0%38.0%——
Operating Margin6.7%6.7%1.8%4.6%11.2%————————————
Net Margin1.3%1.3%-2.3%1.5%8.0%13.1%7.9%8.1%6.8%3.9%2.0%5.6%4.3%6.9%7.7%7.4%7.9%
Balance Sheet
Debt/Equity1.481.481.741.411.05——0.00—————————
Current Ratio24.9524.95———————————————
Cash Flow
Free Cash Flow$-52.7M$-52.7M$-80.0M$-157.8M$-135.0M$-62.8M$15.5M$20.9M$7.7M$5.7M$9.8M$8.4M$14.8M$-7.1M$7.2M$12.1M$1.7M
Returns
ROE3.1%3.1%-6.7%4.1%19.9%25.8%17.0%18.3%15.8%8.7%5.1%12.9%9.9%15.9%17.9%15.1%—
Valuation
P/E2.842.84—26.516.23————————————
EV/EBITDA8.778.7737.1217.687.82————————————
P/B0.090.090.801.091.22————————————
Growth & Yield
Revenue Growth-0.2%-0.2%-0.5%17.6%—22.4%11.3%9.1%3.3%-8.4%7.1%8.4%5.3%8.0%13.4%11.9%—
EPS Growth147.4%147.4%-258.2%-77.2%—103.7%9.8%37.3%96.8%87.2%-59.1%44.4%-33.0%3.7%27.6%11.9%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-36.1%

fácil

EPS terminal req.

$0.61

Spread vs growth

183.4%

5Y implied EPS CAGR

-20.6%

fácil

EPS terminal req.

$0.74

Spread vs growth

167.9%

10Y implied EPS CAGR

-6.5%

fácil

EPS terminal req.

$1.19

Spread vs growth

153.9%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -86.7%

Total return

-86.7%

Start / end P/E

n/dx → n/dx

EPS bridge

-4.92 → 2.33

Residual

-86.7%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-86.7%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.