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
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
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
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Jan '26
$223M
-$77M
35.8%
0.0%
-$6M
—
$118M
Oct '25
$286M
-$22M
37.5%
0.0%
$8M
—
$122M
Jul '25
$276M
-$6M
36.6%
0.0%
-$6M
—
$10M
Apr '25
$310M
$11M
36.4%
0.0%
$18M
—
$10M
Jan '25
$263M
$3M
35.7%
0.0%
-$32M
—
$9M
Oct '24
$286M
$5M
39.4%
0.0%
-$24M
—
$8M
Jul '24
$287M
-$964000
35.0%
0.0%
-$16M
—
$5M
Apr '24
$307M
$426000
35.5%
0.0%
-$12M
—
$6M
Jan '24
$240M
-$9M
34.2%
0.0%
$10M
—
$4M
Oct '23
$300M
-$27M
34.5%
0.0%
-$32M
—
$4M
Jul '23
$310M
$4M
34.7%
0.0%
-$47M
—
$6M
Apr '23
$334M
$2M
33.5%
0.0%
-$15M
—
$10M
Jan '23
$274M
$2M
33.7%
0.0%
-$34M
—
—
Oct '22
$304M
$3M
32.1%
0.0%
-$42M
—
$5M
Jul '22
$301M
$14M
35.7%
0.0%
-$67M
—
$4M
Apr '22
$304M
$26M
35.4%
0.0%
-$18M
—
$7M
Jan '22
$248M
$19M
36.7%
0.0%
-$40M
—
$3M
Oct '21
$248M
$23M
36.5%
0.0%
-$44M
—
$2M
Jul '21
$247M
$25M
38.1%
0.0%
-$33M
—
$3M
Apr '21
$249M
$43M
40.2%
0.0%
-$16M
—
$3M
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 1.7× (Jun '26).
The price-to-sales ratio has fallen from 0.6× (Mar '23) to 0.0× (Jun '26).
The dividend yield has risen from 0.0% (Mar '23) to 0.1% (Jun '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
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.