How profitable is America's Car-Mart Inc (CRMT)?

In FY 2025 (10-K), CRMT converted $1.0B of revenue into a 35.4% gross margin, 0% operating margin, and $63.1M in free cash flow (6.1% FCF margin).

Stock Ratings / Consumer Discretionary / CRMT / financials

VRM (44) NXXT (29) JZXN (35) KXIN (34) ⌘ Pro Terminal →

America's Car-Mart Inc (CRMT) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$0.91 -12.35% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.89

America's Car-Mart Inc (CRMT) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $8.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CRMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, America's Car-Mart Inc (NASDAQ: CRMT) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $0.91 (-12.35% 1D, market cap $8.7M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 7/20. Across 1011 tracked Consumer Discretionary issuers, CRMT ranks #648 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CRMT compare to VRM and NXXT in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Retail-Auto Dealers and Gas Stations), CRMT carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of 35.4%, and ROIC of —. By comparison, VRM (Vroom Inc.) holds a D grade (44/100 RQD, P/E N/A, ROIC -35.0%, cap $39.0M) and NXXT (NextNRG Inc.) posts a E grade (29/100 RQD, P/E N/A, ROIC -35.0%, cap $46.2M). Among the 5-stock peer group, CRMT leads on earnings multiple (N/A) while VRM leads on capital efficiency (-35.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CRMT?

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Per CRMT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-04-30, CIK 0000799850), America's Car-Mart Inc generated $1.03B in revenue (-10.3% YoY), $0 in net income, and $63.1M in free cash flow against $1.63B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (35% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $0.89 (-2.41%)🧬 Disciplined Float (+0.16% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 6.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-5.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CRMT)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (46/100 Composite)

🔍 WHY CRMT SCORES 46/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (35% of score)

SEC XBRL FY 2025 (10-K): 6.1% FCF Margin ($63.1M FCF) & 35.4% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$1.47-46.3% Next Q

Q2 (-2Q)

Grade C-$0.79+1.3% Next Q

Q3 (-1Q)

Grade D$0.80+13.7% Next Q

Current

Grade D$0.91-6.1% Hist 90D α

Trajectory: C- (54) → D (46)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a CRMT Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While CRMT currently carries a cautious 46/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Strong cash generator (35% profit margin)—profits are backed by real money, not accounting tricks.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($1.45) and Max Pain ($0.96) forces dealer call-delta covering toward $30.14.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.16% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CRMT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CRMT Beats Next Quarter EPS Consensus (Jan 28, 2027) & Holds Above 200D SMA”

YES 46%NO 54%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How CRMT Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$63.1M (6.1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $1.16B

FY24

Rev $1.15B

FY25

Rev $1.03B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$1.03B	35.4%	0%	$0	$63.1M	15%
FY 2024	$1.15B	36.7%	0%	$0	-$52.7M	15%
FY 2023	$1.16B	35.4%	0%	$0	-$73.9M	15%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CRMT)

✓Walkthrough of CRMT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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CRMT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -92.75%▲ RESISTANCE BREAKOUT

2026-11-03O $1.06H $1.06L $0.91C $0.91VOL 184.2K

RES: $0.88SUP: $0.49SMA50: $1.45SMA200: $8.96

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CRMT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CRMT Butterfly Map → + Track CRMT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. -10.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CRMT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CRMT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CRMT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CRMT)

Consumer Discretionary Rank #648 of 1011 ⚔️ VRM vs CRMT Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (CRMT vs. VRM, NXXT, JZXN, KXIN)

Industry: Retail-Auto Dealers and Gas Stations (20 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, America's Car-Mart Inc (CRMT) ranks #648 by composite RQD confidence (46/100, grade D) and #936 by equity capitalization ($8.7M). Within this direct 5-issuer industry benchmark cohort, CRMT leads on earnings valuation at N/A trailing P/E, while VRM leads on capital efficiency and profitability with -35.0% ROIC and — gross margin. CRMT currently leads its immediate peer cohort in composite quantitative strength at 46/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CRMT ACTIVE America's Car-Mart Inc	D	46/100	—	35.4%	—	-12.35%	$8.7M	Benchmark Subject
VRM Vroom Inc.	D	44/100	—	—	-35.0%	-6.03%	$39.0M	/vrm-vs-crmt →
NXXT NextNRG Inc.	E	29/100	—	8.4%	-35.0%	-18.65%	$46.2M	/nxxt-vs-crmt →
JZXN Jiuzi Holdings Inc.	D-	35/100	—	0.7%	—	+0.92%	$56.1M	/jzxn-vs-crmt →
KXIN Kaixin Holdings	E	34/100	—	96.0%	-35.0%	+6.06%	$89.7M	/kxin-vs-crmt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-04-30 • CIK 0000799850

In its most recent audited fiscal period (FY2025, filed 2026-04-30), America's Car-Mart Inc (CRMT) reported GAAP revenue of $1.03B (-10.3% vs. FY2024 revenue of $1.15B , and -11.5% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $65.0M, and free cash flow of $63.1M (+219.9% YoY). On the balance sheet, CRMT closed FY2025 with $1.63B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-04-30	$1.03B	$0	$65.0M	$63.1M	$1.63B	—
FY2024 (FY)	2025-04-30	$1.15B	$0	-$48.8M	-$52.7M	$1.61B	—
FY2023 (FY)	2024-04-30	$1.16B	$0	-$73.9M	-$73.9M	—	—

3. CRMT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CRMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CRMT compare to VRM and NXXT in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for CRMT?

Where is CRMT trading relative to its 50-day, 200-day, and 52-week technical levels?

CRMT last traded at $0.91 (-12.35% on volume of 175,834 shares), positioning the stock -37.24% below its 50-day simple moving average ($1.45) and -89.84% below its 200-day simple moving average ($8.96). Across its 52-week range of $0.57 to $28.70, CRMT sits at the 1.2% percentile with a 14-day RSI of 45.8 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $1.02).

Direct Sub-Reports: CRMT RQD Cockpit CRMT 12M Forecast CRMT Earnings & Move CRMT Dividends & DRIP CRMT Insiders & 13F CRMT Whale Options CRMT Profit Sankey CRMT News & Why

ROARABLE RATING BRIEF • RQD 46/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

CRMT — America's Car-Mart Inc: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:52:09Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

The Roarable RQD rating is 46 out of 100, graded D, with the verdict "Roarable Sell — Underperform / Distribution Warning" (). The score is built from five pillars:

Fundamental Cash Engine: 16 / 20. The pillar is anchored by an ROIC of 0% and an FCF yield of 0% (and market data). Reported FCF was $63.1M in FY 2025 after negative FCF in prior years (), but the yield-based measure in the rating reads 0%, so an investor should not treat the cash generation as translating into per-share value at the current market cap.
Whale / 13F Flow: 5 / 20. This is the weakest pillar relative to its weight. The rating reflects institutional accumulation and options positioning as low (), and the holders section contains no 13F detail to explain it further.
Insider Conviction: 7 / 20. The rating reflects SEC Form 4 and Congressional PTR cluster flow as weak ().
Macro Regime Fit: 8 / 20. Beta is 1.0 and the sector sensitivity is weighted in the rating (and market data). A beta of 1.0 means the stock is modeled to move in line with the market, which offers no defensive cushion.
Forensic Balance Sheet: 10 / 20. Altman Z is 2.5, Piotroski F is 3 out of 9, and Debt/Equity is 0.5 (). The Piotroski reading is weak, and the Altman figure sits in a range that the rating treats as only moderate distress protection.

For a prospective investor evaluating the stock today, the practical implications are as follows. The upside drivers implied by the data are limited to a reversal in cash generation sustained into profitability; the source data shows operating and net income of — across all three reported years, so that reversal is not yet visible in reported earnings. Valuation tradeoffs are severe: the price of $1.06 against a 52-week range of $0.57 to $28. The rating's sell verdict reflects the combination of zero returns on capital, weak institutional and insider signals, and a weak forensic profile, which together point to distribution pressure rather than accumulation.

2. Business Model, Unit Margins & SEC Financial Trajectory

America's Car-Mart Inc (CRMT) is a NASDAQ-listed company in the Consumer Discretionary sector, within the Retail-Auto Dealers and Gas Stations industry (per the company profile). Reported revenue of $1.03B in FY 2025 () indicates a substantial operating business, but the source does not explain how that revenue is generated. — for further business detail.

Revenue declined from $1.16B in FY 2023 to $1.15B in FY 2024 and to $1.03B in FY 2025 (). Operating and net income are reported as — in every period, and gross margin is 35.4% while operating and net margins are both 0% (per market data and SEC financials). ROIC is 0%, the Altman Z-Score is 2.5, and the Piotroski F-Score is 3 out of 9 (). Cash rose to $117.9M in FY 2025 from $8.5M in FY 2024 alongside positive FCF of $63.1M (), while Debt/Equity is 0.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case: Positive FY 2025 FCF of $63.1M and cash rising to $117.9M show the business is generating cash after two years of negative FCF. With Fundamental Cash Engine at 16/20 (ROIC —, FCF yield —) and Institutional Whale Flow at 5/20, sustained execution supports upside toward the top of the $0.57 – $28.70 52-week range.
🐻 Primary Bear Case: Reported net and operating income are $0.0M in every period, with ROIC at 0%, while news reports sale talks amid debt pressure. Investors must weigh current valuation against — operating margins and a 1.00 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector classification (Consumer Discretionary, Retail-Auto Dealers and Gas Stations) is the only sector-level context available.

Key Question #1: What is the total debt outstanding, since the debt figure is N/A for every reported period and the sale reports cite debt pressure?
Key Question #2: Why is net income reported as — for every period when FY 2025 FCF was $63.1M, and what drives the difference between cash flow and earnings?
Key Question #3: What explains the swing in cash from $8.5M to $117.9M between FY 2024 and FY 2025 when revenue declined?

CRMT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for America's Car-Mart Inc (CRMT) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CRMT Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 20h ago

America’s Car-Mart in sale talks as debt pressures mount - Bloomberg

Yahoo Finance report covering America's Car-Mart Inc (CRMT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 23h ago

America’s Car-Mart weighs sale amid debt strains (CRMT:NASDAQ)

Seeking Alpha report covering America's Car-Mart Inc (CRMT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

What’s Going on With America's Car-Mart (CRMT) Stock After Hours?

TradingView report covering America's Car-Mart Inc (CRMT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

America's Car-Mart (CRMT) Explores Sale Amid Liquidity Crisis an

GuruFocus report covering America's Car-Mart Inc (CRMT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Moomoo • 1d ago

America's Car-Mart (CRMT) Stock Forecast & Analyst Ratings

Moomoo report covering America's Car-Mart Inc (CRMT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

America's Car Mart (CRMT) Stock Price, News & Analysis

Stock Titan report covering America's Car-Mart Inc (CRMT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

America's Car-Mart, RH, Floor And Decor, Boot Barn, and Camping World Shares Plummet, What You Need To Know

Yahoo Finance report covering America's Car-Mart Inc (CRMT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE ChartMill • 4d ago

Top US Stock Gainers and Losers for Oct. 29, 2026

US top gainers and losers for Oct. 29, 2026, ranked by percentage change, led by BURU's 117.0% gain and GME.W's 46.08% decline.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CRMT Bull vs. Bear Conversation Board — What's Your Call at $0.91?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CRMT 🐻 33% BEARISH CONVICTION

MI MidwestValue Fundamental Long-Only 🐂 BULLISH 🎯 Target: $1.20 (+15.4%)

📌 Pinned Debate

Positive FY 2025 FCF of $63.1M and cash rising to $117.9M show the business is generating cash after two years of negative FCF.

Positive FY 2025 FCF of $63.1M and cash rising to $117.9M show the business is generating cash after two years of negative FCF.. When you look under the hood at CRMT, Fundamental Cash Engine is 16/20 with 35.4% gross margins and 0.0% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (5/20) has been quietly accumulating below $28.70. My 12M target is $1.20.

VolSurface_Trader 🐂 BULL

@ShortSeller_Dan Shorting a 5/20 institutional whale-flow stock at $1.04 is dangerous when funds are rotating into Consumer Discretionary.

SH ShortSeller_Dan Forensic Short Bias 🐻 BEARISH 🎯 Target: $0.82 (-21.2%)

Spot @ $1.04

Reported net and operating income are $0.0M in every period, with ROIC at 0%, while news reports sale talks amid debt pressure.

Here is the bear case nobody on the bull side wants to address on CRMT: Reported net and operating income are $0.0M in every period, with ROIC at 0%, while news reports sale talks amid debt pressure.. At current EV/EBITDA multiples, even a small guidance miss in Retail-Auto Dealers and Gas Stations triggers a 12-15% air pocket.