Growth & profitability
- Revenue has grown 5.2% per year over the past 5 years.
CRMT Financials AMERICAS CARMART INC
15 years of revenue, profit, cash flow and balance-sheet history through FY2026, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2026 | $1.0B | -$139M | 35.4% | 0.0% | -31.2% | -9.8% | $63M | — | $47M |
| 2025 | $1.1B | $18M | 36.7% | 0.0% | 3.1% | 1.1% | -$53M | — | $10M |
| 2024 | $1.2B | -$31M | 34.7% | 0.0% | -6.7% | -2.1% | -$80M | — | $6M |
| 2023 | $1.2B | $20M | 33.5% | 0.0% | 4.1% | 1.4% | -$158M | — | $10M |
| 2022 | $1.0B | $95M | 36.6% | 0.0% | 19.9% | 8.2% | -$135M | — | $7M |
| 2021 | $799M | $105M | 40.0% | 0.0% | 25.8% | 12.7% | -$63M | — | $3M |
| 2020 | $653M | $51M | 40.5% | 0.0% | 17.0% | 7.7% | $15M | — | $60M |
| 2019 | $587M | $48M | 41.4% | 0.0% | 18.3% | 9.7% | $21M | $194000 | $2M |
| 2018 | $538M | $37M | 41.3% | 0.0% | 15.8% | 8.0% | $8M | — | $1M |
| 2017 | $520M | $20M | 41.4% | 0.0% | 8.7% | 4.8% | $6M | — | $434000 |
| 2016 | — | $12M | — | — | 5.1% | 2.9% | $10M | — | $602000 |
| 2015 | — | $29M | — | — | 12.9% | 7.4% | $8M | — | $790000 |
| 2014 | — | $21M | — | — | 9.9% | 5.8% | $15M | — | $289000 |
| 2013 | — | $32M | — | — | 15.9% | 9.0% | -$7M | — | $272000 |
| 2012 | — | $33M | — | — | 17.9% | 10.6% | $7M | — | $276000 |
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jul '26 | $90M | -$69M | 21.8% | 0.0% | -18.3% | -5.7% | $80M | — | $28M |
| Apr '26 | $243M | -$34M | 31.2% | 0.0% | -7.7% | -2.4% | $67M | — | $47M |
| Jan '26 | $223M | -$77M | 35.8% | 0.0% | -16.0% | -4.7% | -$6M | — | $118M |
| Oct '25 | $286M | -$22M | 37.5% | 0.0% | -4.0% | -1.3% | $8M | — | $122M |
| Jul '25 | $276M | -$6M | 36.6% | 0.0% | -1.0% | -0.4% | -$6M | — | $10M |
| Apr '25 | $310M | $11M | 36.4% | 0.0% | 1.9% | 0.7% | $18M | — | $10M |
| Jan '25 | $263M | $3M | 35.7% | 0.0% | 0.6% | 0.2% | -$32M | — | $9M |
| Oct '24 | $286M | $5M | 39.4% | 0.0% | 0.9% | 0.3% | -$24M | — | $8M |
| Jul '24 | $287M | -$964000 | 35.0% | 0.0% | -0.2% | -0.1% | -$16M | — | $5M |
| Apr '24 | $307M | $426000 | 35.5% | 0.0% | 0.1% | 0.0% | -$12M | — | $6M |
| Jan '24 | $240M | -$9M | 34.2% | 0.0% | -1.8% | -0.6% | $10M | — | $4M |
| Oct '23 | $300M | -$27M | 34.5% | 0.0% | -5.8% | -1.8% | -$32M | — | $4M |
| Jul '23 | $310M | $4M | 34.7% | 0.0% | 0.8% | 0.3% | -$47M | — | $6M |
| Apr '23 | $334M | $2M | 33.5% | 0.0% | 0.4% | 0.1% | -$15M | — | $10M |
| Jan '23 | $274M | $2M | 33.7% | 0.0% | — | — | -$34M | — | — |
| Oct '22 | $304M | $3M | 32.1% | 0.0% | 0.6% | 0.2% | -$42M | — | $5M |
| Jul '22 | $301M | $14M | 35.7% | 0.0% | 2.9% | 1.1% | -$67M | — | $4M |
| Apr '22 | $304M | $26M | 35.4% | 0.0% | 5.5% | 2.3% | -$18M | — | $7M |
| Jan '22 | $248M | $19M | 36.7% | 0.0% | 4.2% | 1.8% | -$40M | — | $3M |
| Oct '21 | $248M | $23M | 36.5% | 0.0% | 5.4% | 2.4% | -$44M | — | $2M |
Valuation over time
How the market has priced CRMT against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has fallen from 6.9× (Mar '23) to 5.9× (Mar '26).
- The price-to-sales ratio has fallen from 0.6× (Mar '23) to 0.0× (Sep '26).
P/E
P/S
Frequently asked questions
Is CRMT growing its revenue and profit?
Over the past 5 years, AMERICAS CARMART INC's revenue has grown 5.2% per year. These are computed facts, not advice.
How much debt does CRMT have?
As of FY2026, AMERICAS CARMART INC reported — of total debt against $47M of cash.
What is CRMT's profit margin?
In FY2026, gross margin was 35.4%, operating margin —, and net margin -13.5%.
What is CRMT's P/E ratio?
As of Sep '26, AMERICAS CARMART INC traded at a price-to-earnings ratio of about 5.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.