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Upturn AI SWOT - About
CRMT 
Americas Car-Mart Inc (CRMT)
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Upturn Advisory Summary
08/14/2025: CRMT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $62.5
1 Year Target Price $62.5
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.41% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 370.42M USD | Price to earnings Ratio 19.21 | 1Y Target Price 62.5 |
Price to earnings Ratio 19.21 | 1Y Target Price 62.5 | ||
Volume (30-day avg) 4 | Beta 1.32 | 52 Weeks Range 36.40 - 63.33 | Updated Date 08/15/2025 |
52 Weeks Range 36.40 - 63.33 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.33 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.29% | Operating Margin (TTM) 8.14% |
Management Effectiveness
Return on Assets (TTM) 3.8% | Return on Equity (TTM) 3.45% |
Valuation
Trailing PE 19.21 | Forward PE 28.33 | Enterprise Value 1210059069 | Price to Sales(TTM) 0.27 |
Enterprise Value 1210059069 | Price to Sales(TTM) 0.27 | ||
Enterprise Value to Revenue 0.87 | Enterprise Value to EBITDA 11.97 | Shares Outstanding 8277630 | Shares Floating 5916186 |
Shares Outstanding 8277630 | Shares Floating 5916186 | ||
Percent Insiders 10.91 | Percent Institutions 87.43 |
Upturn AI SWOT
Americas Car-Mart Inc
Company Overview
History and Background
Americas Car-Mart, Inc. was founded in 1981. It is an automotive retailer that focuses on selling older, used vehicles and providing financing for customers with limited or no credit history, particularly in rural areas of the United States.
Core Business Areas
- Retail Sales of Used Vehicles: This segment involves the sale of used vehicles to customers, often with in-house financing options.
- Financing: Americas Car-Mart provides financing solutions to its customers, enabling them to purchase vehicles despite their credit challenges.
- Service and Parts: The company also provides auto service and parts.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure includes retail operations, finance, and support functions. As of most recent filings, Jeffrey Williams is CEO.
Top Products and Market Share
Key Offerings
- Used Vehicles: Americas Car-Mart's primary offering is used vehicles, primarily to customers with limited credit, the market is fragmented and they compete with mom and pop shops and larger used car dealers.
- Financing: The finance they offer for their used vehicles, is a large revenue driver for Car-Mart. Competitors include other auto lenders and traditional banks/credit unions, though these typically have stricter credit requirements.
Market Dynamics
Industry Overview
The used car market is large and fragmented, influenced by economic conditions, credit availability, and consumer demand for affordable transportation.
Positioning
Americas Car-Mart is positioned as a provider of vehicles and financing to credit-constrained consumers, primarily in the South-Central United States. Their competitive advantage lies in their in-house financing model and presence in smaller communities.
Total Addressable Market (TAM)
The TAM for used car sales and subprime auto lending is substantial, estimated in the hundreds of billions of dollars. Americas Car-Mart's positioning focuses on a specific segment of this TAM, catering to customers often underserved by traditional lenders.
Upturn SWOT Analysis
Strengths
- In-house financing expertise
- Established presence in rural markets
- Strong customer relationships in target demographics
- Vertically integrated business model
Weaknesses
- High delinquency rates on loans
- Reliance on subprime lending
- Geographic concentration in a few states
- Sensitivity to economic downturns
- High cost to revenue when compared to competitors.
Opportunities
- Expansion into new geographic markets
- Improved loan servicing and collection processes
- Adoption of technology to enhance customer experience
- Partnerships with other lenders to diversify funding sources
- Growth in the secondary market for auto loans
Threats
- Increased competition from other subprime lenders
- Economic recession leading to higher loan defaults
- Changes in regulations related to auto lending
- Rising interest rates increasing borrowing costs
- Consumer shift towards ride-sharing or public transportation
Competitors and Market Share
Key Competitors
- CPRT
- ABNB
- Vroom
Competitive Landscape
Americas Car-Mart's advantage lies in its focus on credit-challenged customers and in-house financing. Competitors may have broader geographic reach or stronger brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be obtained from Americas Car-Mart filings to fill this section accurately, which is unavailable at the current moment.
Future Projections: Future projections need to be obtained from Americas Car-Mart filings and analyst estimations to fill this section accurately, which is unavailable at the current moment.
Recent Initiatives: Recent initiatives need to be obtained from Americas Car-Mart filings to fill this section accurately, which is unavailable at the current moment.
Summary
Americas Car-Mart is a niche player in the used car market, focusing on customers with limited credit in rural areas. The company's strength lies in its in-house financing model, but it faces challenges related to loan delinquency rates and economic sensitivity. Opportunities exist for geographic expansion and improved loan management, while threats include increased competition and regulatory changes. The company is small and is a very small percentage of market share compared to competitors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (if available)
- Market Research Reports
- Industry News Articles
- Analyst Reports
Disclaimers:
This analysis is based on available information and general market knowledge and should not be considered financial advice. Market share data is approximate and may vary based on source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Americas Car-Mart Inc
Exchange NASDAQ | Headquaters Rogers, AR, United States | ||
IPO Launch date 1993-11-09 | CEO, President & Director Mr. Douglas Campbell | ||
Sector Consumer Cyclical | Industry Auto & Truck Dealerships | Full time employees 2300 | Website https://www.car-mart.com |
Full time employees 2300 | Website https://www.car-mart.com | ||
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.
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