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CRMT Financials AMERICAS CARMART INC

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 11.9% per year over the past 5 years.
  • Net income has grown slower than revenue (-19.0% vs 11.9% per year).

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 0.2% of earnings.
  • The dividend has grown 0.0% per year over the past 5 years.
Revenue & net income
-$31M $586M $1B $0 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-3% 19% 41% 0% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
-$158M -$68M $21M $0 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $30M $60M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$136M $27M $189M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $1.1B $18M 36.7% 0.0% -$53M $10M
2024 $1.2B -$31M 34.7% 0.0% -$80M $6M
2023 $1.2B $20M 33.5% 0.0% -$158M $10M
2022 $1.0B $95M 36.6% 0.0% -$135M $7M
2021 $799M $105M 40.0% 0.0% -$63M $3M
2020 $653M $51M 40.5% 0.0% $15M $60M
2019 $587M $48M 41.4% 0.0% $21M $194000 $2M
2018 $538M $37M 41.3% 0.0% $8M $1M
2017 $520M $20M 41.4% 0.0% $6M $434000
2016 $12M $10M $602000
2015 $29M $8M $790000
2014 $21M $15M $289000
2013 $32M -$7M $272000
2012 $33M $7M $276000
2011 $28M $12M $223000

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.

Price / earnings (P/E)
0.0 24.3 48.6 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 0.4 0.8 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 0.1 0.1 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is CRMT growing its revenue and profit?

Over the past 5 years, AMERICAS CARMART INC's revenue has grown 11.9% per year, and net income declined 19.0% per year. These are computed facts, not advice.

How much debt does CRMT have?

As of FY2025, AMERICAS CARMART INC reported — of total debt against $10M of cash.

What is CRMT's profit margin?

In FY2025, gross margin was 36.7%, operating margin —, and net margin 1.6%.

What is CRMT's P/E ratio?

As of Jun '26, AMERICAS CARMART INC traded at a price-to-earnings ratio of about 1.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield 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.