CRMT · Americas Carmart Inc
$1.78
-0.03 (-1.66%)
At close · Sep 17
Going-concern doubt
— flagged Sep 9, 2026
Substantial doubt about the company's ability to continue as a going concern.
“Accordingly, there is substantial doubt about the Company's ability to continue as a going concern within one year after the date that these Condensed Consolidated Financial Statements are issued.”View the 10-Q filed Sep 9, 2026
Market Cap
$14.43M
Shares
8.34M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$1.81
Open$1.67
Day$1.62–1.90
52W close$1.48–34.14
Avg vol 30d434K
Short int1.4M · 17.4% float · 6.7d
Short vol46%
Last earningsSep 9, 2026
DataJan 2020–Sep 2026
Filing10-Q · Sep 9
Up next
Next earnings call
Dec 13, 2026
Est · unconfirmed
· in 12 wks
filed Sep 9, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$1.09B
Trailing 12 months
Net income (TTM)
−$202.35M
Trailing 12 months
Revenue growth YoY
-57.3%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
1,036.4%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+0.7%
Year over year · more shares
Price change (1Y)
-95.1%
Trailing year
Short interest
17.4%
Latest settlement · 6.7 days to cover
Equibles Rating
blended score · not investment adviceOverall
Strong Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Very High
Market backdrop
VIX 17.7 · elevated
Equity put/call 0.69
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−86%
below
Price vs 50-day avg
−38%
below
RSI (14)
38
neutral
MACD trend
Negative
52-week position
1%
near low
Momentum
relative strength
1-month return
−41%
trailing
6-month return
−86%
trailing
YTD return
−93%
this year
Relative strength
−101%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $3 › 200d $13 — 200d above 50d
Institutional flow
Distributing
-23% holders QoQ · +14 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
17.37% of float · ▼ -0.9% MoM · 6.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
73 holders — near 3-yr low, contrarian setup
Squeeze score
61
elevated · 0–100
Fundamentals
Revenue growth
−8%
Y/Y
Gross margin
21%
expanding
EPS growth
−821%
Y/Y
Free cash flow
$63.1M
Balance sheet
$675.4M
net debt
Quant / Vol
risk profile
Volatility
139%
annualized · 1-yr
Max drawdown
−96%
past year
ATR
18.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Oct 31, 2021
Base effective tax rate
· going forward
24%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−86%
Bearish
Price vs 50-day avg
−38%
Bearish
RSI (14)
38
Neutral
MACD trend
Negative
Bearish
52-week position
1%
Bearish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $3 › 200d $13 — 200d above 50d
Institutional flow
Distributing
-23% holders QoQ · +14 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
17.37% of float · ▼ -0.9% MoM · 6.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
73 holders — near 3-yr low, contrarian setup
Price context
position in its 52-week range
Range low $1
Now $2 · 1%
Range high $34
vs 200-day avg -86%
vs 50-day avg -38%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Accounts over 30 days past due | 4.6% | Three Months Ended July 31, 2026 | — |
| Active customer count | 85,753 | Three Months Ended July 31, 2026 | — |
| Allowance for credit losses as a percent of finance receivables | 24.74% | July 31, 2026 | — |
| Average down-payment percentage | 5.4% | Three Months Ended July 31, 2026 | — |
| Average number of dealerships in operation | 94 | Three Months Ended July 31, 2026 | — |
| Average percentage of finance receivables-current (excl. 1-2 day) | 69% | Three Months Ended July 31, 2026 | — |
| Average retail sales price, excluding ancillary products | $18,530 | Three Months Ended July 31, 2026 | — |
| Average retail units sold per dealership per month | 8.7 | Three Months Ended July 31, 2026 | — |
| Average total collected per active customer per month | $594 | Three Months Ended July 31, 2026 | +1.5% |
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| Dealerships open | 94 | Three Months Ended July 31, 2026 | -39.0% |
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| Debt to finance receivables | 52.4% | July 31, 2026 | — |
| Net charge-offs as a percent of average finance receivables | 9.5% | Three Months Ended July 31, 2026 | — |
| Net debt to finance receivables non-GAAP | 43.1% | July 31, 2026 | — |
| Principal balance of finance receivables | 1.19B | Three Months Ended July 31, 2026 | — |
| Retail units sold | 2,450 | Three Months Ended July 31, 2026 | — |
| Same dealership revenue growth | -47.5% | Three Months Ended July 31, 2026 | — |
| Total gross profit per retail unit sold | $8,015 | Three Months Ended July 31, 2026 | — |
| Total gross profit percentage | 21.8% | Three Months Ended July 31, 2026 | — |
| Weighted average total contract term | 49.3 | Three Months Ended July 31, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Auto & Truck Dealerships — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CRMT
this stock
Americas Carmart Inc
|
$14.43M | -92.8% | -7.9% | — | 17.4% |
|
CVNA
Carvana Co.
|
$73.55B | — | +48.6% | 46.9 | 6.0% |
|
PAG
Penske Automotive Group, Inc.
|
$14.26B | +35.3% | -0.2% | 15.8 | 3.0% |
|
KMX
Carmax Inc
|
$8.75B | +52.2% | -1.8% | — | 7.9% |
|
RUSHA
Rush Enterprises Inc \Tx\
|
$8.52B | — | -4.7% | 33.0 | 3.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CRMT | +22.3% | -41.2% | -85.7% | -21.3% | -92.8% |
| SPY | -1.1% | -1.8% | +14.8% | -1.7% | +10.6% |
| vs SPY | +23.4% | -39.5% | -100.5% | -19.6% | -103.4% |