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America's Car-Mart Inc (CRMT) 12-Month Stock Forecast & Price Target Cone

$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.

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, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 7/20. Across 1009 tracked Consumer Discretionary issuers, CRMT ranks #646 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 (35.4% gross 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
025507510046
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
Cash (16)Whales (5)SEC (10)Macro (8)CEO (7)
Each axis scored 0–20
12M PRICE TARGET CONE-5.5% Base Target
$30 Bull$1 Base$1 Bear
📬 FREE CRMT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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)
54
Grade C-$1.47-46.3% Next Q
Q2 (-2Q)
51
Grade C-$0.79+1.3% Next Q
Q3 (-1Q)
49
Grade D$0.80+13.7% Next Q
Current
46
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 (35.4% gross 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 →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your CRMT Position Size: $10,000

Shares at $0.91: 10989.0 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $0.67
$7,363
$-2,637 (-26.4%)
12M Consensus BaseTarget $0.86
$9,451
$-549 (-5.5%)
12M Bull Case BreakoutTarget $30.14
$331,209
+$321,209 (+3212.1%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 9
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$174%A
Goldman SachsSector Coverage LeadUNDERPERFORM$2869%B
JP MorganUS Large-Cap ResearchSELL$158%C
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
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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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
$28.34$20.81$13.29$5.76$-1.77RES $0.88SUP $0.49$0.912026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #646 of 1009 ⚔️ 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 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, America's Car-Mart Inc (CRMT) ranks #646 by composite RQD confidence (46/100, grade D) and #934 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?

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, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 7/20. Across 1009 tracked Consumer Discretionary issuers, CRMT ranks #646 in composite RQD confidence.

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

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).

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

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 (35.4% gross 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.

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) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-04-30

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

America's Car-Mart Inc (CRMT) earns a live Roarable RQD composite score of 46/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $0.91 (-12.35% 1D, market capitalization $8.7M).

  • Fundamental Cash Engine (16/20): Anchored by return on invested capital (ROIC) of —, gross margin of 35.4%, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (5/20) + Insider Conviction (7/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

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.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2026-04-30), America's Car-Mart Inc (CRMT) reported $1.03B in annual revenue (up from $1.15B in FY2024, -10.3% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.16B revenue, $0 net income) through FY2025, CRMT scaled operating cash flow to $65.0M and free cash flow to $63.1M, backed by $1.63B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 46/100): Strong cash generator (35.4% gross margin)—profits are backed by real money, not accounting tricks. Free cash flow yield of — and institutional whale pillar of 5/20. With Fundamental Cash Engine at 16/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $0.57 – $28.70 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

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: Can CRMT sustain or expand its — operating margin and — ROIC against Retail-Auto Dealers and Gas Stations peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.03B and free cash flow of $63.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CRMT's equity valuation to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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) ↓
🔥 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
1. Pick Your Side on CRMT:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • 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 RQD DEBATE OPENER • 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.

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