Americas Car-Mart Inc (CRMT) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Americas Car-Mart Inc $2.26, price $1.67, upside +35.0%, quality 32 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $1.48 – $165.32 · fair‑value band $2.26 – $2.91 · the $1.67 price screens below the $2.26 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 23, 2026.
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America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer for the used car market in the United States. It sells older model used vehicles and provides financing for its customers. The company was founded in 1981 and is headquartered in Rogers, Arkansas.
Stock analysis
Americas Car-Mart Inc (CRMT) currently trades at $1.67, while our model-based Fair Value estimate is $2.26, implying the stock looks roughly 25.9% undervalued today.
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Valuation
How firm this estimate is: it rests on 17 models at a data quality of 95/100, which puts the evidence level at medium.
Scenario range: $2.26 (bear) to $2.91 (bull), the price of $1.67 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 32/100 (below-average quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Americas Car-Mart Inc reported revenue of $1.4B in FY2025 versus $919M in FY2021, a compound +10.9%/yr. Reported net income was $17.9M in FY2025, compounding −35.7%/yr from FY2021.
Key figures
Market cap $19.9M · EPS (TTM) $−11.28 · Dividend yield 0.2% · Net margin 1.3% · Return on equity −18.2% · Return on assets (EBIT) 8.2% · Operating margin −4.3% · Revenue (TTM) $1.3B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 95% below its 52-week high and 13% above its 52-week low.
For context, the median of 10 Consumer Cyclical peers we cover trades at 10% fair-value upside, at 35%, CRMT screens cheaper than that median.
Fair Value models
Bear $2.26Fair Value $2.26Bull $2.91
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.51/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−0.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.3%
Start year 2020 (pandemic). Over 10 years: +10.1% a year
Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−20.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−20.6%
Dividend (yield on the price)0.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−21% vs 0%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 7%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Auto & Truck Dealerships · 106 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score32 · Bottom 25%
Fair Value upside+35% · Above median
Profitability
Return on assets1% · Below median
Net margin (TTM)−7% · Bottom 25%
Operating margin (TTM)−4% · Bottom 25%
Growth and dividend
Revenue growth−12% · Bottom 25%
Dividend yield (TTM)0.2% · Bottom 25%
Balance sheet
Debt / equity1.00× · Highest 25%
Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper
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Is Americas Car-Mart Inc (CRMT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $2.26 versus a price of $1.67, about +35% upside (undervalued).
What is the fair value of CRMT?
Our model-based fair value for Americas Car-Mart Inc is $2.26 (as of Sep 23, 2026), built from audited fundamentals. The current price: $1.67.
What is the quality score of CRMT?
Americas Car-Mart Inc has a Quality Score of 32/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Americas Car-Mart Inc (CRMT)?
Our model-based price target is the fair value of $2.26 (as of Sep 23, 2026) from 17 valuation models. Cautious scenario $2.26, optimistic scenario $2.91. It is a calculation from audited fundamentals, not an analyst target.
What is the Americas Car-Mart Inc stock forecast for 2026?
Our models put fair value at $2.26, about +35% upside versus a price of $1.67 (undervalued). Cautious scenario $2.26, optimistic scenario $2.91. The calculation is refreshed regularly with new filings.
What is the revenue of Americas Car-Mart Inc (CRMT)?
Americas Car-Mart Inc reported trailing-twelve-month revenue of about $1.3B (latest available figure, as of Sep 23, 2026).
Does Americas Car-Mart Inc pay a dividend?
Americas Car-Mart Inc currently shows a dividend yield of about 0.20% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Americas Car-Mart Inc (CRMT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Americas Car-Mart Inc it is $2.26 per share (as of Sep 23, 2026), against a price of $1.67. It is the blended result of 17 valuation models (cash flow, earnings, asset, dividend).
Is Americas Car-Mart Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CRMT trades below its calculated fair value: price $1.67, fair value $2.26, a gap of about +35% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRMT?
No. The price is what the market pays today ($1.67); the fair value is what the company's own numbers justify ($2.26). For Americas Car-Mart Inc the two are $0.5850 per share apart. That gap is exactly why we show both numbers side by side.
How much is Americas Car-Mart Inc worth?
The market values Americas Car-Mart Inc at about $19.9M (market capitalisation, as of Sep 23, 2026). Per share that is $1.67; our models calculate a fair value of $2.26 per share.
What do the bullish and bearish scenarios say about CRMT?
Our models span a range for Americas Car-Mart Inc: cautious scenario $2.26, base $2.26, optimistic $2.91 per share (as of Sep 23, 2026, price $1.67). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of CRMT?
The PEG ratio of Americas Car-Mart Inc is 0.69 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Americas Car-Mart Inc (CRMT)?
Balance-sheet figures for Americas Car-Mart Inc (as of Sep 23, 2026): return on equity −18.2%, debt of 1.00 per unit of equity. They feed the Quality Score of 32/100, which measures business quality independently of the share price.
How far is CRMT from its 52-week high?
Americas Car-Mart Inc trades at $1.67, about 95% below its 52-week high of $32.16 and 13% above the low of $1.48 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $2.26 is for.
Which stocks are comparable to Americas Car-Mart Inc?
From the same area (Consumer Cyclical) we also value Carvana Co, Penske Automotive Group, Hotai Motor Co, CarMax, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Americas Car-Mart Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $1.67, calculated fair value $2.26 (+35%), Quality Score 32/100, from 17 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRMT calculated?
We run Americas Car-Mart Inc through 17 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $2.26, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Americas Car-Mart Inc currently trades 35 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Americas Car-Mart Inc (CRMT)?
The closing price on Sep 23, 2026 was $1.67. Our model-based fair value is $2.26, about +35% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Americas Car-Mart Inc right now?
The large discount to fair value meets weak quality (32/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($2.26). The market is more pessimistic than our downside scenario.
Where does the earnings growth of Americas Car-Mart Inc (CRMT) come from?
Earnings per share at Americas Car-Mart Inc grew +1.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +14.4 %, EBIT margin −1.1 %, tax rate +2.6 %, residual (interest, one-offs) −12.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Americas Car-Mart Inc
How large is the market capitalisation of Americas Car-Mart Inc (CRMT)?
The market capitalisation of Americas Car-Mart Inc is $19.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Americas Car-Mart Inc (CRMT)?
Earnings per share at Americas Car-Mart Inc are $−11.28. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Americas Car-Mart Inc (CRMT)?
The dividend yield of Americas Car-Mart Inc is 0.2%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Americas Car-Mart Inc (CRMT)?
The net margin of Americas Car-Mart Inc is 1.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Americas Car-Mart Inc (CRMT)?
The return on equity (ROE) of Americas Car-Mart Inc is −18.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Americas Car-Mart Inc (CRMT)?
On an EBIT basis the return on assets of Americas Car-Mart Inc is 8.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Americas Car-Mart Inc (CRMT)?
The operating margin of Americas Car-Mart Inc is −4.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Americas Car-Mart Inc (CRMT)?
Revenue at Americas Car-Mart Inc is growing −12.0% versus a year earlier (3y avg +4.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Americas Car-Mart Inc (CRMT)?
Earnings per share at Americas Car-Mart Inc are growing +18.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Americas Car-Mart Inc (CRMT) generate?
The free cash flow of Americas Car-Mart Inc is −$52.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Americas Car-Mart Inc (CRMT) carry?
The net debt of Americas Car-Mart Inc is $835M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 23, 2026