America's Car-Mart Inc (CRMT)

Nasdaq: CRMT · Retail-Auto Dealers & Gasoline Stations · Rogers, AR · filing with the SEC since 1995

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Grade3.1

◀ Past 2.6● Present 3.4▶ Future 3.1

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of America's Car-Mart Inc

Nine metrics read from its own filings, by tense

Headline grade

3.1/10

◀ Past2.625% of the headline

● Present3.445% of the headline

▶ Future3.130% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

2.6/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

0.9/10

Has it survived what it has been through?

6 warning events since 2017; the latest 2025-08-01.

weight 45% of this tense · 10th percentile among 21 sector filers · read for itself

From the record

America's Car-Mart Inc's filings since 2017 show 6 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2025-08-01); a warning not to rely on past financial statements (8-K item 4.02, the latest 2025-07-30); a late-report notice (Form NT 10-K or NT 10-Q, 4 times, the latest 2025-07-15) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

4.8/10

What has it actually done, year after year?

+9% a year over 10 filed years; profitable in 8 of 10.

weight 33% of this tense · 48th percentile among 21 sector filers · read for its customers

From the record

America's Car-Mart Inc's 10 filed years say what it did: revenue went from $588 million in fiscal 2017 to $1.3 billion in fiscal 2026, up 9% a year; it rose in 6 of 9 years; the deepest fall was 8% from fiscal 2023 to fiscal 2026; net income was positive in 8 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span9.0%top 36% of its family
the share of years revenue rosebottom 36% of its family
the share of filed years with a profitbottom 31% of its family
the deepest fall from a revenue peak8.5%top 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

2.9/10

How has it treated the people who own it?

SI estimate 2.9/10, confidence 35 of 100 (one part).

weight 22% of this tense · 29th percentile among 20 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the share count over the years, which ranks in the bottom 29% of 20 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: the share count over the years, the one part on file, ranked among 20 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: America's Car-Mart Inc's shareholder treatment is put at 2.9 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 29% of 20 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

3.4/1045% of the headline grade · 3 of 3 filed

Financial health

as filed

4.9/10

Is it financially healthy right now?

ROE -31%: lost 31¢ per shareholder dollar. Leverage 69%: owes 69¢ per asset dollar.

weight 45% of this tense · 49th percentile among 21 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2026-04-30, America's Car-Mart Inc lost about 31 cents for every dollar of shareholders' money, and gross profitability: its products earned about 44 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 69 cents per dollar of assets, and net share issuance: its share count grew 7.9% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 40% of its family
return on equitybottom 18% of its family
gross profit against assetstop 9% of its family
the share count against the year beforebottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

2.6/10

How strong is its position in its industry?

bottom 27% of 21 in its family; net margin -10.9%.

weight 33% of this tense · 27th percentile among 21 sector filers · read for its customers

From the record

America's Car-Mart Inc's standing among 21 graded names in its industry family: revenue of $1.3 billion in fiscal 2026 ranks in the bottom 23% by size; a net margin of -10.9% ranks in the bottom 26%; revenue growth of -2.9% a year over the last 3 filed years ranks in the bottom 31% (its annual reports).

What it rests on

revenue against the family$1.28Bbottom 23% of its family
net margin-10.9%bottom 26% of its family
three-year revenue growth-2.9%bottom 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed

1.4/10

What are the people in charge doing?

bottom 14% of 18 in its family for leadership; chief executive since 2024.

weight 22% of this tense · 14th percentile among 18 sector filers · read for its shareholders

From the record

America's Car-Mart Inc's leadership, from its insiders' filings and its current reports: the chief executive on the record is Campbell, Douglas W. Jr. (President & CEO, as filed), filing under that title since 2024-01-29, 2.8 years (bottom 31% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 3.5 years (bottom 8%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (bottom 3%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

officer and director changes on Form 8-K, against the people in charge10 in three years among 16 peoplebottom 3% of its family
the median years the people in charge have filed3.5 yearsbottom 8% of its family
the chief executive's years on the record2.8 yearsbottom 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

3.1/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

8.5/10

How much room does it have to grow?

top 15% of 20 in its family for room to expand.

weight 22% of this tense · 85th percentile among 20 sector filers · read for itself

From the record

America's Car-Mart Inc's room to grow, from the newest filed statements (fiscal 2026): cash of $47 million against no long-term debt tagged leaves 3.3% of its assets as net cash, top 12% of its family; cash from operations less capital spending is 4.9% of revenue (top 24%); a gross margin of 48.2% (top 9%) (its annual report).

What it rests on

cash less debt against assets3.3%top 12% of its family
cash from operations less capital spending against revenue4.9%top 24% of its family
gross margin48.2%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

1.4/10

What could actually drive growth from here?

bottom 14% of 21 in its family for growth drivers.

weight 45% of this tense · 14th percentile among 21 sector filers · read for its customers

From the record

America's Car-Mart Inc's growth drivers, from the filed years to fiscal 2026: revenue grew -2.9% a year over the last three filed years against 9% over all 10, slowing (bottom 26% of its family); the newest year grew -7.9% (bottom 12%); capital spending grew -56.6% a year (bottom 3%) (its annual reports). America's Car-Mart Inc tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-12.0 points a yearbottom 26% of its family
the newest year's revenue growth-7.9%bottom 12% of its family
three-year growth of capital spending-56.6%bottom 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

2.0/10

Did its newest year beat what its own record pointed to?

bottom 20% of 21 in its family for expectations against reality.

weight 33% of this tense · 20th percentile among 21 sector filers · read for its shareholders

From the record

America's Car-Mart Inc's newest year against its own record: revenue of $1.3 billion in fiscal 2026 came in 7.6% below the $1.4 billion its prior three years' pace pointed to (bottom 36% of its family); net income of $139 million against a prior three-year average of $2 million (bottom 2%); a net margin of -10.9% against 0.2% before (bottom 21%) (its annual reports).

What it rests on

revenue against the prior three years' pace-7.6%bottom 36% of its family
net income against the prior three years' averagefive times below its prior average or morebottom 2% of its family
net margin against its prior average-11.0 pointsbottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CRMT · research, not advice