America's Car-Mart (CRMT)
Sells used vehicles and finances most customers through a Buy Here/Pay Here model.
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Sells older-model used vehicles and originates the related installment credit inside its dealership network. The model is concentrated in smaller South-Central communities, with revenue led by vehicle sales and shaped by interest income, credit performance, and access to lender funding.
Operates an integrated used-vehicle retail and finance model, selling older-model cars while originating and servicing customer installment contracts through the same dealership network. Many customers have limited credit histories or past credit problems, so the store relationship, underwriting, collections, and payment servicing sit close together.
Focuses on basic transportation in smaller South-Central U.S. communities, with a single reportable segment: Integrated Auto Sales and Finance. Customer-facing services also include financing options, trade-ins, service contracts, accident protection, and direct payment channels.
Credit quality, used-vehicle supply and pricing, lender access, and accounting controls around finance receivables shape the business. Recent context includes a lender waiver and strategic alternatives review, making liquidity and covenant compliance structural dependencies.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Mar 17, 2026 | Jefferies | Reiterate | Rating: —Target: $29 | Target: $14 |
| Dec 29, 2025 | Jefferies | Target | Target: $45 | Target: $29 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jul 31, 2026Cash & short-term investments $27.5M · Total debt $671.2M · Total assets $1.21B · Shareholders' equity $376.5M
- Revenue
- $145.8M
- Operating income
- −$49.4M
- Net income
- −$69.0M
No dividends on record.
| Institutions | 69.68% | 5.81M shares | |
|---|---|---|---|
| 76 holders · as of Jun 30, 2026 | |||
| Insiders | 22.04% | 1.84M shares | |
| 14 holders · as of Sep 21, 2026 | |||
| Strategic holders | 15.12% | 1.26M shares | |
| 1 holder · as of Nov 7, 2025 | |||
| Adds to | 106.84% | ||
8.34M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 106.84%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Magnolia Capital Fund, LP1Strategicdirector | 15.12% | 1.26M | filed Nov 7, 2025 |
Magnolia Group, LLCInstitution | 13.43% | 1.12M | as of Jun 30, 2026 |
Silver Point Capital, L.P.Institution | 11.24% | 937,487 | filed Nov 6, 2025 |
Adam K. PetersonInsiderother: Former 10% beneficial owner | 8.19% | 682,714 | filed Jul 22, 2026 |
Jonathan Z. BubaInsiderdirector | 7.87% | 656,487 | filed May 5, 2026 |
- Magnolia Capital Fund, LP's transaction reports restate only vehicles that traded; the 2025 ownership statement (1.26M) is used instead.
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 27, 2026 | Adam K. Peterson | 10 percent owner | −8,000 | $12.59 |
| Dec 11, 2025 | Jonathan M. Collins | officer: Chief Financial Officer | +197 | $25.27 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| America's Car-Mart | $1.66 | +0.61% | $13.7M | — | — | 0.0 | −57.3% |
| CarMax | $57.84 | −0.03% | $8.21B | 35.9 | 20.4 | 0.3 | +6.2% |
| Carvana | $66.80 | −0.57% | $73.71B | 31.1 | 34.3 | 2.9 | +52.4% |
| Credit Acceptance | $564.55 | +0.05% | $5.90B | 12.4 | 11.0 | 2.5 | +2.1% |
| AutoNation | $168.42 | −0.20% | $5.65B | 7.8 | 7.1 | 0.2 | −0.6% |
| Lithia Motors | $314.07 | −0.66% | $6.95B | 10.5 | 7.9 | 0.2 | +2.2% |
| Group 1 Automotive | $254.64 | +1.50% | $2.99B | 10.4 | 6.1 | 0.1 | −5.6% |
| Sonic Automotive | $65.97 | +0.08% | $2.20B | 10.5 | 9.1 | 0.1 | +7.6% |
| Asbury Automotive Group | $186.62 | +1.12% | $3.44B | 6.9 | 6.6 | 0.2 | +0.3% |
| Median | 10.5 | 8.5 | 0.2 | +2.1% |