America's Car-Mart (CRMT), a niche buy-here-pay-here used vehicle retailer serving credit-challenged customers, is experiencing severe financial distress with massive losses, a ~95% stock price collapse from its 52-week high, ongoing capital restructuring, and a going-concern warning, offset by limited analyst coverage pointing to potential upside from current depressed levels.[[1]](https://www.marketwatch.com/investing/stock/crmt)[[2]](https://finance.yahoo.com/quote/CRMT/)
Fact: As of market data on July 14, 2026 (highly volatile intraday), the stock traded around $3.00–$4.13, with examples including closes near $3.02, opens at $2.94, and swings such as +36.76% to $4.13 or -6.79% moves.[[2]](https://finance.yahoo.com/quote/CRMT/)[[2]](https://finance.yahoo.com/quote/CRMT/)
Limitation: Stock exhibits extreme volatility; prices fluctuate rapidly and real-time quotes from different platforms vary slightly due to timing and sources. Data is snapshot-based and not suitable for trading decisions.
Interpretation: The dramatic decline reflects operational challenges, revenue contraction, and financing difficulties rather than broad market trends.
| Metric | Value | Notes |
|---|---|---|
| Revenue (TTM) | $1.34 Billion | Down YoY in recent quarters (e.g., Q1 CY2026: $302.8M vs. est. $340M, -17.9% YoY) |
| Net Income (TTM) | -$94.32 Million | Profit Margin: -7.02% |
| EPS (TTM) | -$11.28 | Recent Q4/FY2026: Large losses reported (~$139M+ mentioned in news) |
| Operating Margin (TTM) | -4.25% | Q1 example: -1.2% |
| Total Debt (mrq) | ~$952 Million | Debt/Equity: 198.45% |
| Cash (mrq, incl. restricted) | ~$118M–$237M | Liquidity focus in restructuring |
| ROE (TTM) | -18.16% | ROA: 0.86% |
Recent Q3 FY2026 Highlights (ended Jan 31, 2026): Retail units sold down 22.1% to 10,275; revenue $286.8M (-12%); gross profit/unit up 8.8% to $7,762; net charge-offs 6.5%; loss per share $9.25 (adjusted $1.53). Store count reduced to 136 via consolidations.[[3]](https://ir.car-mart.com/financials/quarterly-results/default.aspx)
Interpretation: Declining volumes tied to capital constraints and store reductions; improving per-unit metrics show some operational discipline amid headwinds.
Uncertainty: Q4/FY2026 results (reported July 14, 2026) highlight going-concern risk and strategic review; future performance depends on securing additional financing (e.g., warehouse facility or new ABS).
Limitation/Assumption: Financials are TTM or specific quarterly reports as of early-mid 2026; full FY2026 details emerging; high debt levels and securitizations are key assumptions in liquidity projections. No dividend (yield 0%).
Yahoo Key Statistics | Company Quarterly Results | Yahoo Financials
Fact: Limited coverage (typically 2–4 analysts). Consensus leans Hold/Outperform. Average 12-month price target ~$12 (range $10–$14; some older/higher estimates up to $29.50 or $45).[[4]](https://www.marketbeat.com/stocks/NASDAQ/CRMT/forecast/)[[5]](https://www.marketscreener.com/quote/stock/AMERICA-S-CAR-MART-INC-8902/consensus/)
| Analyst/Firm | Rating | Target | Date/Notes |
|---|---|---|---|
| Jefferies | Hold | $14 (lowered from $29) | March 2026 |
| Consensus (2 analysts) | Hold / Outperform mix | $12 avg | Recent |
Interpretation: Targets imply substantial upside (~3–4x from ~$3 levels) but reflect high uncertainty; low coverage typical for small/distressed names.
Uncertainty: Ratings can change rapidly with earnings and financing news; not investment advice.
Limitation: Sparse analyst following; targets may not fully incorporate latest Q4 loss or going-concern disclosures.
Interpretation: Strong underlying demand noted by management, but constrained by inventory/credit availability.
Fact: Operates in Auto & Truck Dealerships industry; unique focus on integrated sales + subprime financing differentiates it.[[2]](https://finance.yahoo.com/quote/CRMT/)
| Competitor | Ticker | Focus/Notes | Market Cap (approx.) |
|---|---|---|---|
| CarMax | KMX | Large used car retailer (more traditional financing) | Large-cap |
| Sonic Automotive | SAH | Multi-brand dealerships | ~$2.9B |
| Asbury Automotive | ABG | Franchised dealers | ~$4B |
| Group 1 Automotive | GPI | Auto dealership group | ~$3.5B |
| Rush Enterprises | RUSHA/RUSHB | Commercial trucks/dealerships | ~$5.9B |
| Credit Acceptance | CACC | Subprime auto financing (similar customer segment) | — |
Interpretation: Direct BHPH peers are often private/smaller; public comparables are larger traditional dealers or pure financiers.
Limitation: Competitor list is illustrative; exact market share data limited in public sources.
Yahoo News | Company Investor Relations | SEC Filings (EDGAR)
Overall Data Limitations: All information current as of July 14, 2026 crawls/searches. Financials and prices are reported figures or aggregates; forward-looking statements involve uncertainties (e.g., financing success, economic conditions affecting subprime borrowers). This is not financial advice; consult professionals and primary sources. Stock is high-risk given leverage, losses, and volatility.