America's Car-Mart Inc Common Stock (CRMT)

FairStock Score: 34/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for businesses that earn consistent returns and can survive stress. America's Car-Mart sells older used cars and finances buyers with weak credit, a tough, cyclical model with little durable pricing power. In fiscal Q1 2027, the quarter ended 2026-07-31, revenue was $89.9 million, far below the $276.2 million in fiscal Q1 2026, the quarter ended 2025-07-31. Net loss was $69.0 million, or $8.28 per diluted share, versus a $5.7 million loss and $0.69 per share a year earlier. For fiscal 2026 ended 2026-04-30, the company lost $139.1 million, or $16.79 per share, after earning $17.9 million in fiscal 2025. That profit-to-loss swing tells me the competitive position and credit controls are under severe pressure. At the close on 2026-10-13, FairStock's calculations show a $1.47 price, $12.3 million market cap, P/B of 0.03, and negative P/E of -0.06. The low price relative to book is tempting, but book value can disappear when losses are this large. Debt-to-equity of 1.78, an Altman Z-Score of 1.49, and a Piotroski F-Score of 4/9 suggest fragility, not safety. FairStock also reports trailing free cash flow of $149.5 million and a 1,219.7% FCF yield, which would be remarkable if sustainable. I would treat that as a question to investigate, not a conclusion. The FairStock Score is 34/100, and the Lynch category is TURNAROUND—loss in the latest year after earlier profits. A real turnaround is possible, but I want evidence that revenue and credit losses are stabilizing before trusting the cheapness.

In plain English: America's Car-Mart sells older used cars and provides financing to customers who often have weaker credit. The business looks weak right now: it is losing large amounts of money, sales have fallen sharply, and debt is high. The share price is very low compared with the company's accounting value, but that cheapness may reflect serious trouble rather than a bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2027 10-Q (period ended 2026-07-31) · fiscal Q3 2026 10-Q (period ended 2026-01-31) · fiscal Q2 2026 10-Q (period ended 2025-10-31) · fiscal Q1 2026 10-Q (period ended 2025-07-31) · FY2026 10-K (period ended 2026-04-30) · FY2025 10-K (period ended 2025-04-30) · FY2024 10-K (period ended 2024-04-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer