AMERICA’S CAR-MART, INC. financials
Source: EDGAR filings · Built 2026-06-03T02:25:43Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | -52.65M | -80.04M | -157.83M | -134.97M | -62.76M | 15.49M |
| Net Debt | 833.97M | 813.18M | 691.10M | 495.22M | 285.92M | 218.82M |
| Gross Margin | 36.66% | 34.65% | 33.50% | 36.59% | 40.04% | 40.51% |
| Net Margin | 1.56% | -2.70% | 1.70% | 9.15% | 13.12% | 7.86% |
| Return on Equity (ROE) | 3.15% | -6.67% | 4.10% | 19.94% | 25.79% | 16.96% |
| Return on Assets (ROA) | 1.12% | -2.12% | 1.44% | 8.23% | 12.75% | 7.69% |
| Debt-to-Equity | 1.48× | 1.74× | 1.41× | 1.05× | 0.71× | 0.92× |
| Effective Tax Rate | 21.35% | 21.78% | 20.79% | — | — | — |
| Cash Conversion Ratio | -2.72× | 2.35× | -6.64× | -1.25× | -0.51× | 0.41× |
| Accruals Ratio | 0.04× | 0.03× | 0.11× | 0.19× | 0.19× | 0.05× |
| SBC % of Revenue | 0.41% | 0.36% | 0.44% | 0.53% | 0.75% | 0.72% |
| CapEx Coverage | -12.54× | -12.02× | -6.14× | -7.54× | -6.01× | 3.86× |
| Free Cash Flow Per Share | $-6.85 | $-12.53 | $-24.03 | $-19.78 | $-9.02 | $2.23 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 20.35× | — | 25.85× | 5.81× | 10.02× | 8.92× |
| P/FCF | — | — | — | — | — | 29.56× |
| FCF Yield | — | — | — | — | — | 3.38% |
| P/S | 0.34× | 0.32× | 0.43× | 0.50× | 1.25× | 0.67× |
| P/B | 0.69× | 0.78× | 1.03× | 1.08× | 2.46× | 1.44× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue from Contract with Customer, Excluding Assessed Tax | 1.15B | 1.16B | 1.20B | 1.04B | 799.13M | 652.99M |
| Revenues | 1.39B | 1.39B | 1.40B | 1.19B | 909.67M | 744.61M |
| Cost of Goods and Services Sold | 726.05M | 758.55M | 800.79M | 658.62M | 479.15M | 388.48M |
| Gross Profit | — | — | — | — | — | 264.52M |
| Selling, General and Administrative Expense | 188.92M | 179.42M | 176.70M | 156.13M | 130.85M | 117.76M |
| Income Tax Expense (Benefit) | 4.87M | -8.74M | 5.36M | 27.62M | 30.51M | 13.01M |
| Net Income (Loss) Attributable to Parent | — | — | — | — | — | 51.34M |
| Earnings Per Share, Basic | $2.38 | $-4.92 | $3.20 | $14.59 | $15.81 | $7.74 |
| Weighted Average Number of Shares Outstanding, Basic | 7.52M | 6.39M | 6.37M | 6.51M | 6.63M | 6.63M |
| Earnings Per Share, Diluted | $2.33 | $-4.92 | $3.11 | $13.92 | $15.05 | $7.39 |
| Weighted Average Number of Shares Outstanding, Diluted | 7.68M | 6.39M | 6.57M | 6.82M | 6.96M | 6.95M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 9.81M | 5.52M | 9.80M | 6.92M | 2.89M | 59.56M |
| Assets | 1.61B | 1.48B | 1.41B | 1.15B | 822.16M | 667.32M |
| Liabilities | 1.04B | 1.01B | 915.79M | 677.76M | 415.26M | 364.17M |
| Stockholders' Equity Attributable to Parent | 569.42M | 470.65M | 498.45M | 476.43M | 406.40M | 302.66M |
| Common Stock, Shares, Outstanding | 8.26M | 6.39M | 6.37M | 6.37M | 6.63M | 6.62M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | -48.76M | -73.90M | -135.73M | -119.18M | -53.81M | 20.92M |
| Payments to Acquire Property, Plant, and Equipment | 3.89M | 6.15M | 22.11M | 15.80M | 8.95M | 5.42M |
| Net Cash Provided by (Used in) Investing Activities | -11.38M | -10.64M | -27.57M | -17.35M | -8.26M | -9.89M |
| Payments for Repurchase of Common Stock | 434.00K | 365.00K | 5.20M | 34.70M | 10.62M | 16.01M |
| Payments of Dividends | 40.00K | 40.00K | 40.00K | 40.00K | 40.00K | 40.00K |
| Net Cash Provided by (Used in) Financing Activities | 90.23M | 110.96M | 188.75M | 176.22M | 5.40M | 46.78M |
Derived Metrics
| Concept | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Free Cash Flow | -4.30M | 1.90M | -6.38M | 18.42M | -71.07M | -39.54M |
| Net Debt | 834.28M | 840.40M | 832.43M | 833.97M | 854.50M | 824.83M |
| Gross Margin | 35.83% | 37.48% | 36.62% | 36.42% | 35.72% | 39.39% |
| Net Margin | -34.45% | -7.85% | -2.08% | 3.43% | 1.20% | 1.78% |
| Return on Equity (ROE) | -16.00% | -4.05% | -1.02% | 1.87% | 0.57% | 0.92% |
| Return on Assets (ROA) | -4.71% | -1.31% | -0.36% | 0.66% | 0.20% | 0.32% |
| Debt-to-Equity | 1.99× | 1.73× | 1.49× | 1.48× | 1.55× | 1.50× |
| Effective Tax Rate | -108.88% | 18.23% | 22.51% | 14.77% | 27.97% | 28.34% |
| Cash Conversion Ratio | 0.04× | -0.14× | 1.03× | 1.81× | -21.50× | -7.30× |
| Accruals Ratio | -0.05× | -0.01× | 0.00× | -0.01× | 0.04× | 0.03× |
| SBC % of Revenue | 1.49% | 0.82% | 0.42% | 0.30% | 1.44% | 1.83% |
| CapEx Coverage | -1.83× | 2.53× | -12.89× | 23.99× | -22.01× | -15.91× |
| Free Cash Flow Per Share | $-0.52 | $0.23 | $-0.77 | $2.40 | $-8.45 | $-4.77 |
Valuation Metrics
| Concept | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | — | — | 26.81× | 21.36× | 54.10× | — |
| P/S | 0.20× | 0.16× | 0.33× | 0.34× | 0.35× | 0.29× |
| P/B | 0.45× | 0.33× | 0.66× | 0.69× | 0.72× | 0.58× |
Income Statement
| Concept | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Revenue from Contract with Customer, Excluding Assessed Tax | 222.62M | 286.31M | 276.24M | 309.70M | 263.48M | 285.77M |
| Revenues | 286.79M | 350.19M | 341.31M | 370.17M | 325.73M | 347.27M |
| Cost of Goods and Services Sold | 142.86M | 179.02M | 175.08M | 196.90M | 169.37M | 173.22M |
| Selling, General and Administrative Expense | 51.51M | 57.22M | 51.41M | 48.34M | 46.46M | 47.41M |
| Income Tax Expense (Benefit) | 39.98M | -5.01M | -1.67M | 1.84M | 1.23M | 2.02M |
| Earnings Per Share, Basic | $-9.25 | $-2.71 | $-0.69 | $1.42 | $0.38 | $0.62 |
| Weighted Average Number of Shares Outstanding, Basic | 8.30M | 8.28M | 8.27M | 7.52M | 8.26M | 8.15M |
| Earnings Per Share, Diluted | $-9.25 | $-2.71 | $-0.69 | $1.39 | $0.37 | $0.61 |
| Weighted Average Number of Shares Outstanding, Diluted | 8.30M | 8.28M | 8.27M | 7.68M | 8.41M | 8.29M |
Balance Sheet
| Concept | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 117.91M | 122.36M | 9.67M | 9.81M | 8.53M | 8.01M |
| Assets | 1.63B | 1.72B | 1.61B | 1.61B | 1.61B | 1.58B |
| Liabilities | 1.15B | 1.16B | 1.04B | 1.04B | 1.05B | 1.02B |
| Stockholders' Equity Attributable to Parent | 479.32M | 555.03M | 564.83M | 569.42M | 557.81M | 553.57M |
| Common Stock, Shares, Outstanding | 8.30M | 8.29M | 8.28M | 8.26M | 8.26M | 8.25M |
Cash Flow Statement
| Concept | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | -2.78M | 3.14M | -5.92M | 19.22M | -67.98M | -37.21M |
| Payments to Acquire Property, Plant, and Equipment | 1.52M | 1.24M | 459.00K | 801.00K | 3.09M | 2.34M |
| Net Cash Provided by (Used in) Investing Activities | -1.37M | -1.13M | -439.00K | -783.00K | -10.59M | -9.84M |
| Payments for Repurchase of Common Stock | 299.00K | 276.00K | 71.00K | 2.00K | 432.00K | 412.00K |
| Payments of Dividends | 30.00K | 20.00K | 10.00K | 10.00K | 30.00K | 20.00K |
| Net Cash Provided by (Used in) Financing Activities | 116.58M | 124.42M | 3.25M | -20.26M | 110.48M | 82.28M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (CRMT CIK 0000799850),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.