CRMT · Americas Carmart Inc
$1.05
+0.07 (+6.89%)
At close · Oct 2
Return incl. dividend (before tax)
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
$8.84M
Shares
8.34M
Volume · Oct 2
690.77K
Avg daily vol (3M)
493.28K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$0.98
Open$1.05
Day$0.95–1.13
52W close$0.98–30.59
Avg vol 30d512K
Short int1.6M · 19.1% float · 1.8d
Short vol44%
Last earningsSep 9, 2026
DataJan 2020–Oct 2026
Filing10-Q · Sep 9
Up next
Next earnings call
Dec 13, 2026
Est · unconfirmed
· in 10 wks
filed Sep 9, 2026
call held Jul 14, 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
1,691.5%
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)
-96.6%
Trailing year
Short interest
19.1%
Latest settlement · 1.8 days to cover
Equibles Rating
blended score · not investment adviceOverall
Strong Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Bearish
Fundamentals
Weak
Quant / Vol
Very High
Market backdrop
VIX 16.4 · calm
Equity put/call 0.57
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−92%
below
Price vs 50-day avg
−59%
below
RSI (14)
26
oversold
MACD trend
Negative
52-week position
0%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−56%
trailing
6-month return
−91%
trailing
YTD return
−96%
this year
Relative strength
−104%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $2 › 200d $12 — 200d above 50d
Institutional flow
Distributing
-23% holders QoQ · +14 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
19.10% of float · ▲ +10.0% MoM · 1.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
73 holders — near 3-yr low, contrarian setup
Squeeze score
60
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
142%
annualized · 1-yr
Max drawdown
−97%
past year
ATR
25.5%
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
−92%
Bearish
Price vs 50-day avg
−59%
Bearish
RSI (14)
26
Neutral
MACD trend
Negative
Bearish
52-week position
0%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $2 › 200d $12 — 200d above 50d
Institutional flow
Distributing
-23% holders QoQ · +14 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
19.10% of float · ▲ +10.0% MoM · 1.8 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 $1 · 0%
Range high $31
vs 200-day avg -92%
vs 50-day avg -59%
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 | — |
| Annualized inventory turns | 6.3 | Three Months Ended July 31, 2026 filing | — |
| 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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| Collections of principal as a percentage of average finance receivables | 8.3% | Three Months Ended July 31, 2026 filing | — |
| Collections of principal, interest, and late fees | $164.4M | Three Months Ended July 31, 2026 filing | — |
| 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 | $124.5M | Three Months Ended July 31, 2026 filing | — |
| 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 | — |
| Wholesale sales (in thousands) | 21.02M | Three Months Ended July 31, 2026 filing | — |
| Allowance for credit losses as a percentage of finance receivables, net of deferred revenue and | 25.15% | fiscal 2026 filing | — |
| Annual provision for credit losses as a percentage of sales | 40.8% | fiscal 2026 filing | — |
| Average originating contract term | 45.1 | the year ended April 30, 2026 filing | — |
| Average retail sales price | $20,064 | fiscal 2026 filing | — |
| Dealerships at end of year | 94 | fiscal 2026 filing | — |
| Dealerships closed | 60 | fiscal year 2026 filing | — |
| Growth in finance receivables, net of deferred revenue | -5.7% | fiscal 2026 filing | — |
| Long-lived asset impairment | $11M | fiscal year ended April 30, 2026 filing | — |
| Overall portfolio weighted average contract term | 49 | fiscal 2026 filing | — |
| Percentage of customers who made payments in person at a dealership | 43% | fiscal 2026 filing | — |
| Receivables average yield | 17.3% | fiscal 2026 filing | — |
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
|
$8.84M | -96.1% | -7.9% | — | 19.1% |
|
CVNA
Carvana Co.
|
$69.42B | — | +48.6% | 44.3 | 5.7% |
|
PAG
Penske Automotive Group, Inc.
|
$13.76B | +28.1% | -0.2% | 15.2 | 3.1% |
|
RUSHA
Rush Enterprises Inc \Tx\
|
$8.40B | — | -4.7% | 32.5 | 3.7% |
|
KMX
Carmax Inc
|
$8.12B | +44.6% | -1.8% | — | 6.9% |
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 | -27.8% | -56.0% | -91.1% | -3.7% | -96.1% |
| SPY | -0.4% | -0.2% | +12.4% | +0.2% | +12.0% |
| vs SPY | -27.4% | -55.8% | -103.6% | -3.9% | -108.2% |