CRMT
America's Car-Mart, Inc.
NasdaqGSUSDEQUITY
Consumer Cyclical
DELAYED
Last price
2.45
▼ 0.38 (13.43%)
MARKET · —
Price
Open
2.83
Prev close
2.83
Day high
2.94
Day low
2.36
Volume
384.69K
Market cap
$20.62M
P/E (TTM)
—
52W range
1.38 – 47.50
Trailing performance
Returnvs SPY
1W
-22.98%
-21.6%
1M
-34.62%
-38.3%
3M
-80.33%
-83.4%
6M
-89.42%
-100.5%
YTD
-90.58%
-102.9%
1Y
-94.64%
-114.6%
3Y
-97.84%
-172.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$20.62M
Enterprise value$745.56M
Revenue (TTM)$1.28B
Gross profit$192.39M
EBITDA$-9.79M
Net income$-139.15M
EPS (TTM)$-16.79
Free cash flow$150.93M
Total cash$46.96M
Total debt$772.20M
Book value / share$53.65
Shares outstanding8.66M
Float5.70M
Short % of float26.15%
Dividend yield—
Beta (5Y)1.30
Valuation & profitability ratios
Trailing P/E—
Forward P/E-1.05
PEG ratio0.69
Price / sales—
Price / book0.04
EV / revenue0.58
EV / EBITDA-76.13
Gross margin15.08%
Operating margin-3.40%
Profit margin-10.91%
Return on equity-27.38%
Return on assets-0.74%
Debt / equity173.12
Current ratio16.90
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Total revenue | $1.28B | $1.39B | $1.39B | $1.41B |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | -$139.15M | $17.89M | -$31.43M | $20.39M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Net income | -$139.15M | $17.89M | -$31.43M | $20.39M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Apr 2026 | -0.59 | 0.48 | +181.4% |
| Jan 2026 | -0.26 | -1.53 | -496.1% |
| Oct 2025 | -0.28 | -0.79 | -182.1% |
| Jul 2025 | 0.83 | -0.69 | -183.5% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | -0.77 | 1 | $225.12M | -34.0% |
| Next quarter | -1.24 | 1 | $223.94M | -36.0% |
| Current year | -3.94 | 1 | $943.17M | -26.4% |
| Next year | -2.26 | 1 | $862.30M | -8.6% |
Analyst targets & ownership
Mean target$7.50
High target$10.00
Low target$5.00
Implied upside206.12%
Analyst count2
ConsensusNONE
Strong buy / Buy0 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders7.18%
Held by institutions65.82%
Institutions holding108
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+80.96K
Net buying
Buy transactions
8
88.96K shares
Sell transactions
1
8.00K shares
Net transactions
+9
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
597.82K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| May 1, 26 | JOPLIN BRANDI N Director |
STOCK | 11.80K | $0 | Direct |
| May 1, 26 | ENGLANDER DANIEL J Director |
STOCK | 16.91K | $0 | Direct |
| May 1, 26 | WILLIAMS JEFFREY A Director |
STOCK | 11.80K | $0 | Direct |
| May 1, 26 | MORRIS DAWN C Director |
STOCK | 11.80K | $0 | Direct |
| May 1, 26 | WELCH JOSHUA G. Director |
STOCK | 11.80K | $0 | Direct |
| May 1, 26 | DAVIS JULIA K. Director |
STOCK | 11.80K | $0 | Direct |
| May 1, 26 | BUBA JONATHAN Z. Director |
STOCK | 11.80K | $0 | Direct |
| Apr 27, 26 | PETERSON ADAM K Beneficial Owner of more than 10% of a Class of Security |
SELL | 8.00K | $100.72K | Indirect |
| Jan 16, 26 | JUDY VICKIE D Officer |
STOCK | 1.24K | $0 | Direct |
| Dec 11, 25 | COLLINS JONATHAN M Chief Financial Officer |
BUY | 197 | $4.98K | Direct |
| Sep 25, 25 | JOPLIN BRANDI N Director |
STOCK | 2.92K | $0 | Direct |
| Sep 17, 25 | FISCHER JAMIE Chief Operating Officer |
STOCK | 6.21K | $0 | Direct |
| Jun 17, 25 | COLLINS JONATHAN M Chief Financial Officer |
BUY | 102 | $5.03K | Direct |
| Jun 11, 25 | PETERSON ADAM K Beneficial Owner of more than 10% of a Class of Security |
SELL | 154.27K | $8.69M | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BUBA JONATHAN Z. |
Director | 656.49K | Stock Award(Grant) |
DAVIS JULIA K. |
Director | 17.38K | Stock Award(Grant) |
ENGLANDER DANIEL J |
Director | 237.03K | Stock Award(Grant) |
FISCHER JAMIE |
Chief Operating Officer | 15.12K | Stock Award(Grant) |
JOPLIN BRANDI N |
Director | 14.72K | Stock Award(Grant) |
JUDY VICKIE D |
Officer | 33.06K | Stock Award(Grant) |
MORRIS DAWN C |
Director | 17.50K | Stock Award(Grant) |
PETERSON ADAM K |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
WELCH JOSHUA G. |
Director | 161.11K | Stock Award(Grant) |
WILLIAMS JEFFREY A |
Director | 122.41K | Stock Award(Grant) |
Moving averages & technicals
SMA 10
3.02
-18.85% from price
SMA 20
3.15
-24.52% from price
SMA 50
3.17
-24.81% from price
SMA 100
7.28
-66.34% from price
SMA 200
14.67
-83.78% from price
EMA 12
3.01
-18.51% from price
EMA 26
3.28
-25.31% from price
EMA 50
4.31
-43.21% from price
RSI (14)
31.4
Neutral
MACD (12,26,9)
-0.27
Hist -0.01
ATR (14)
0.28
11.85% of price
Realised vol 30D
148.5%
Annualised
Bollinger upper
3.60
20, 2σ
Bollinger lower
2.70
20, 2σ
50 / 200 cross
Death
3.17 vs 14.67
Trend bias
Below 200
-83.78%
Risk profile
Beta vs SPY
2.55
More volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
148.5%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-95.6%
Peak to trough
Max drawdown 5Y
-98.4%
Peak to trough
ATR 14
0.28
11.85% of price
Beta (reported)
1.30
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.