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Nasdaq · Consumer Discretionary

AMERICAS CARMART INC (CRMT)

As-reported financials and SEC filings for AMERICAS CARMART INC. The latest annual period is FY2026. The latest reported quarter is Q4 FY2026. Financial statements come straight from the company’s EDGAR filings; valuation figures such as P/E and market cap use market data.

About AMERICAS CARMART INC

America's Car-Mart, Inc. is an automotive retailer specializing in the sale and financing of older model used vehicles. The company operates 154 dealerships primarily in small cities across the South-Central United States, serving customers who often have limited financial resources and credit histories. It provides affordable transportation options and financing solutions tailored to subprime customers.

Snapshot

Revenue
$1.03B
Revenue growth (YoY)
-10.3%
Net income
$-139.1M
Diluted EPS
$-16.79
Gross margin
35.4%
Operating margin
Net margin
-13.5%
FCF margin
6.1%
ROE
-31.2%
net income / fiscal-year-end equity
P/E
trailing when available, otherwise FY EPS
Market cap
$20.0M
Long-term debt / equity
non-current term debt only

Fundamentals are from SEC filings for FY2026, the latest annual period (ended April 30, 2026). P/E and market cap are derived from stored market prices, last retrieved on a rolling basis and typically within the past week.

What changed at Americas Carmart

  • Revenue fell 10.3% to $1.0B in FY2026, after a 1.3% decline the year before.
  • Most recent quarter Q4 FY2026: revenue $243M, down 21.7% from Q4 FY2025.
  • Free cash flow was $63M in FY2026, 6.1% of revenue.
  • Net income turned to a $139M loss in FY2026, from a $18M profit in FY2025.

Computed from the as-reported figures in the statements below. A change we cannot state from filed figures is left out rather than estimated.

Peer comparison

Where Americas Carmart’s fundamentals sit among the 403 Consumer Discretionary companies. Each figure is ranked only against peers that report it, from lowest (left) to highest (right).

Gross margin35.4%
51st percentile of 275
Net margin-13.5%
12th percentile of 377
FCF margin6.1%
63rd percentile of 351
Revenue growth (YoY)-10.3%
12th percentile of 394
ROE-31.2%
17th percentile of 343
Short interest8.04d
85th percentile of 401

Americas Carmart’s net margin of -13.5% ranks in the 12th percentile of the 377 Consumer Discretionary companies reporting it. Americas Carmart’s revenue growth of -10.3% ranks in the 12th percentile of the 394 Consumer Discretionary companies reporting it.

No reported insider transactions (codes P/S) in the last 90 days. For context, about 15% of companies in the universe saw any reported insider purchase (code P) in the same window. Browse insider activity →

Percentiles describe where a figure sits among sector peers reporting it (100th = highest). They are position within a peer group, not a rating, and not investment advice. Short interest ranking uses days to cover from FINRA Consolidated Short Interest data; FINRA is the owner and source of that data, included at no additional charge.

Institutional ownership

Held by 1 of the superinvestors we track (plus 4 quant / multi-strat books), based on each investor’s most recent 13F; periods vary by investor (newest: Q2 2026).

Conviction investors
1
+4 quant / multi-strat
Initiated / added
4
0 new, 4 added
Reduced / exited
3
1 trimmed, 2 exited
Combined position
$1.7M
reported long value
InvestorAs ofPosition valueSharesChange
AQR Capital ManagementquantQ2 2026$801,302287.2KAdded
Yacktman Asset ManagementQ2 2026$571,950205.0KAdded
Two Sigma InvestmentsquantQ2 2026$135,47148.6KAdded
Point72 Asset ManagementquantQ2 2026$82,50029.6KAdded
Millennium ManagementquantQ2 2026$80,96329.0KReduced

No longer held by: Citadel Advisors (as of Q2 2026), D. E. Shaw (as of Q2 2026)

From quarterly Form 13F filings, which can be up to 45 days delayed. Long US-listed positions only: excludes short positions, options, cash, bonds, and non-US holdings, so this is not a manager’s complete portfolio. Counts are of the investors we track, not all institutions. Not investment advice.

Recent insider activity

Non-derivative buys and sells (codes P/S) reported by officers, directors and 10% owners on SEC Form 4.

Buys (90d)
0
code P
Bought (90d)
code P value
Sells (90d)
0
Reported activity
Quiet
by $ value, 90d
Trade dateInsiderTypeSharesPriceValue
2026-04-27
filed 2026-04-29
Peterson Adam K10% ownerSell8.0K$12.59$101K

Reported non-derivative purchases and sales (codes P/S) — which may be open-market or private; excludes option exercises, grants, and shares withheld for taxes. Dates shown are the trade date; a Form 4 can be filed days to years later. A sale can be routine (e.g. a pre-set 10b5-1 plan), so read individual transactions in context. From SEC Form 4. Not investment advice.

Short interest

Total shares sold short as of each twice-monthly FINRA settlement. Rising short interest means more investors are positioned against the stock; days to cover estimates how many trading days of average volume that position represents.

Shares short
1.5M
settled 2026-08-14
Change vs prior
-5.3%
vs previous settlement
Days to cover
8.04
at avg daily volume
Avg daily volume
181.7K
FINRA reported
SettlementShares shortChangeDays to cover
2026-08-141.5M-5.3%8.04
2026-07-311.5M+0.0%4.60
2026-07-151.5M-5.2%1.52
2026-06-301.6M-7.1%1.00
2026-06-151.8M+23.7%1.02
2026-05-291.4M-2.8%22.03
2026-05-151.5M-2.5%18.32
2026-04-301.5M+8.7%13.03

Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data, which is included at no additional charge for your own personal or professional use; republishing or redistributing it is not permitted. Settlement dates are shown; FINRA publishes each settlement about nine business days later, so the latest figure can be two to four weeks old. Not presented as a percentage of float. No FINRA endorsement of this product is implied. Not investment advice.

Income statement (as reported)

 FY2026FY2025FY2024FY2023FY2022
Revenue$1.03B$1.15B$1.16B$1.20B$1.04B
Gross profit$363.8M$420.2M$402.3M$403.4M$380.1M
Operating income
Net income$-139.1M$17.9M$-31.4M$20.4M$95.0M
Diluted EPS$-16.79$2.33$-4.92$3.11$13.92

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Balance sheet (as reported)

 FY2026FY2025FY2024FY2023FY2022
Cash and equivalents$47.0M$9.8M$5.5M$9.8M$6.9M
Current assets
Total assets$1.42B$1.61B$1.48B$1.41B$1.15B
Current liabilities
Long-term debt
Total liabilities$970.8M$1.04B$1.01B$915.8M$677.8M
Total equity$445.7M$569.5M$470.8M$498.5M$476.5M

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Cash flow (as reported)

 FY2026FY2025FY2024FY2023FY2022
Operating cash flow$65.0M$-48.8M$-73.9M$-135.7M$-119.2M
Capital expenditure$1.8M$3.9M$6.1M$22.1M$15.8M
Free cash flow$63.1M$-52.7M$-80.0M$-157.8M$-135.0M

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Quarterly trend (as reported)

QuarterRevenueRevenue YoYNet incomeDiluted EPS
Q4 FY2026$242.6M-21.7%$-34.2M$-4.12
Q3 FY2026$222.6M-15.5%$-76.7M$-9.25
Q2 FY2026$286.3M0.2%$-22.5M$-2.71
Q1 FY2026$276.2M-3.8%$-5.7M$-0.69
Q4 FY2025$309.7M1.0%$10.6M$1.43
Q3 FY2025$263.5M9.6%$3.2M$0.37
Q2 FY2025$285.8M-4.9%$5.1M$0.61
Q1 FY2025$287.2M-7.4%$-964,000$-0.15

Latest 8 reported quarters, from company XBRL filings on SEC EDGAR.

Company facts

ExchangeNasdaq
SectorConsumer Discretionary
SIC industryRetail-Auto Dealers & Gasoline Stations
Latest annual periodFY2026 (ended April 30, 2026)
Latest reported quarterQ4 FY2026 (ended April 30, 2026)
Oldest indexed filing2007
SEC CIK799850

Selected SEC filings

10-K2026-07-14
View on EDGAR →
10-Q2026-03-12
View on EDGAR →
10-Q2025-12-09
View on EDGAR →
8-K2026-07-14
View on EDGAR →
8-K2026-06-25
View on EDGAR →
8-K2026-06-12
View on EDGAR →
8-K2026-06-05
View on EDGAR →

Largest Consumer Discretionary peers

All Consumer Discretionary companies →

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Data sourced from SEC EDGAR. Figures are as-reported and may be unaudited or restated; verify against the source filing before relying on them. Informational only. Not investment advice.