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CRCRMT

America's Car-Mart, Inc.

$CRMT·$27M·Auto - Dealerships·Consumer Cyclical
$4.29+0.2%YTD-83.1%1Y-92.5%
Mentions · last 7 days
2026-07-09: 23 posts2026-07-10: 2 posts2026-07-11: 2 posts2026-07-12: 7 posts2026-07-13: 7 posts2026-07-14: 44 posts2026-07-15: 11 posts96+10%
Price updated 4h ago·X counts updated 2h ago
CRCRMT
$CRMTAmerica's Car-Mart, Inc.
$4.29+0.23%96 posts+10%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $CRMT, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Broken storySelling offAI verdict · as of 2026-07-14

Falling on heavy selling — points lower unless it turns around.

Subprime used-car chain flirting with zero equity as delinquencies hit 32-year highs.

America's Car-Mart runs a buy-here-pay-here used-vehicle chain that both sells cars and originates the subprime auto loans — an integrated model where the receivables portfolio is the whole balance sheet. The recent quarters are severely distressed: Q3 EPS was -$9.25 following -$2.72 and -$0.69 in the prior quarters — genuine operating losses, not restructuring accounting.

  • Consensus revenue expands modestly from $1.32B this year to $1.44B in three years, but EPS runs at -$13.32 this year before improving toward $0.23 and $2.56 — the model prices in a turnaround, but the near-term earnings are catastrophic.
  • The context piece hit the tape hard: subprime auto loans just hit their worst delinquency rate in 32 years — a macro-cycle setup that would compress a healthy subprime lender's earnings and destroy a stressed one's.
  • CFO resignation was announced and the stock dropped 26% in a session on the news — a specific governance and credibility hit at exactly the wrong point in the credit cycle.
  • Rosen Law Firm issued multiple securities-fraud investigation notices — a legal-flow overhang that dampens accumulation from institutional buyers.
  • X sentiment (six posts, bearish) is uniformly negative — "stock has been flirting with zero for equity," "subprime credit dealer suffering" — no coherent bull thread.
  • Coverage in-window is dominated by Rosen investigation notices and the CFO-departure headline.
  • Insider activity is not in the bundle.

This is a broken-story setup with a specific macro headwind and a specific governance event compounding it. Any equity value depends on subprime-cycle stabilization and remediation execution under new financial leadership. September 9 fiscal Q4 print — consensus wants -$0.66 EPS — is unlikely to be the turn.

Agrees with X sentimentCrowd's flat-out bearish read is consistent with the disclosed credit-cycle context and the CFO departure; there is no meaningful contrarian tell in the sample.

What to watch: September 9 fiscal Q4 print vs -$0.66 EPS consensus; delinquency and loss-reserve trajectory; interim CFO and permanent hire commentary; any changes to origination volume or underwriting standards; class-action-investigation developments.

On the calendar: 2026-09-09 — fiscal Q4 earnings (consensus EPS -$0.66)

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bearish sentiment6 posts analyzed · as of 2026-07-03

America's Car-Mart (CRMT) -26% today after CFO resignation. Stock has been flirting with zero for equity. Subprime credit dealer suffering. The tone is negative on the credit stress.

Read the AI verdict + X sentiment for $CRMT

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  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Used-car retailer with integrated in-house financing targeting credit-challenged buyers across the US South-Central region.

Industry overviewAI analysisGenerated by AI from underlying data

Where Auto - Dealerships sits in its cycle right now — and what that implies for $CRMT.

Auto - Dealerships · Consumer Cyclical

No material change from last week — Carvana's proprietary inspection, reconditioning, and financing infrastructure creates cost efficiency that legacy dealers cannot match at scale.

What this means for $CRMT

Neutral — Used-car retailer with integrated in-house financing targeting credit-challenged buyers across the US South-Central region; limited exposure means the used car market and Carvana reconditioning model recovery is not a near-term catalyst or headwind.

Industry benchmark

5-name peer basket
-27.1%YTD
-41.6%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-0.7How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
7.8%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
1.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
22.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-17.4%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
36.8%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
2.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 14, 2026$-16.79$0.81-2160.1%
Q4 2025Mar 12, 2026$-9.25$0.04-23225.0%
Q4 2025Mar 12, 2026$-1.53$-0.26-496.1%
Q3 2025Dec 9, 2025$-2.72$-0.32-750.0%
Next earningsWed, Sep 9·consensus EPS $-0.43

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q3 FY25$286.8M-12.0%49.5%-5.2%$-9.25$-7.4M
Q2 FY25$350.2M+0.8%48.3%-2.1%$-2.72$9.5M
Q1 FY25$341.3M-1.9%48.7%2.8%$-0.69$-6.4M
Q4 FY24$125.5M-65.6%-57.0%23.9%$1.29$18.5M

Forward consensus

3-year forecast · up to 1 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.3B$1.3B – $1.3B-$13.31-$13.69 – -$12.941
FY27$1.4B$1.4B – $1.4B$0.23$0.22 – $0.241
FY28$1.4B$1.4B – $1.5B$2.56$2.49 – $2.631

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.5%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-40.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-76.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellApr 27Adam K Peterson10% owner8.0K sh$101K
+ 15 other (12 awards · 2 inkinds · 1 other) in window

See when $CRMT insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KMaterial agreementJun 258-K — Item 1.01: Material agreement · Item 5.02: Officer or director change · Item 8.01: Other event
AI summary

America's Car-Mart entered into a First Amendment and Limited Waiver with lender Silver Point Finance on June 19, 2026, granting temporary relief from multiple existing and anticipated covenant defaults under its October 2025 credit agreement. Waived defaults include failures to meet minimum liquidity and collateral coverage ratio covenants, expected inability to deliver an unqualified audit opinion for fiscal year ended April 30, 2026, and reporting covenant breaches. The waiver period is time-limited. This is a material distress signal — covenant waivers from a non-bank lender, potential qualified-audit opinion, and liquidity shortfalls all point to significant financial stress at the used-car dealer.

8-KMaterial agreementJun 128-K — Item 1.01: Material agreement
AI summary

America's Car-Mart, Inc. extended its lender forbearance agreement through June 19, 2026 on June 12, 2026 — the second extension under its October 30, 2025 Credit and Guaranty Agreement following an earlier extension disclosed June 5, 2026. The company reports discussions with its agent and lenders are productive and that an interim credit agreement amendment resolving anticipated defaults appears near. This is a material credit stress event — an active lender forbearance on a sub-prime auto lender creates real balance sheet risk if talks fail before June 19.

3New insider — initial holdingsJun 103
AI summary

A newly appointed director of America's Car-Mart, Inc. (CRMT) filed Form 3 reporting no beneficial ownership of company securities as of the event date (June 10, 2026). Routine Form 3 for new director with no current shareholding — administrative only.

8-KMaterial agreementJun 58-K — Item 1.01: Material agreement · Item 5.02: Officer or director change · Item 8.01: Other event
AI summary

Mart, Inc. (CRMT) filed an 8-K under Item 5.02 disclosing a change in its executive leadership or board composition. The filing reports both a departure and an appointment in CTO. Individuals named in the filing include Employer Identification, Zip Code. Leadership changes at the C-suite and board level are material events requiring 8-K disclosure within four business days, as they can affect company strategy, investor confidence, and operational continuity.

8-KMaterial agreementMay 298-K — Item 1.01: Material agreement · Item 5.02: Officer or director change · Item 8.01: Other event
AI summary

America's Car-Mart expanded its Board from 9 to 10 directors on May 22, 2026 by adding Adam Paul (President, AP Advisors, 25+ years advisory experience) as an independent director, also appointing him to a newly formed Special Committee. New independent director added to a Special Committee — signals active strategic review or governance process underway.

8-KMaterial impairmentApr 78-K — Item 2.05: Restructuring / exit costs · Item 2.06: Material impairment · Item 7.01: Press release / Reg FD
AI summary

America's Car-Mart (CRMT) board approved closure of 42 of its 136 dealership locations and associated staff reductions on April 7, 2026; the restructuring stems from capital structure challenges — a $300M term loan was completed in October 2025 and a ninth securitization in December 2025, but a warehouse facility has taken longer to arrange than expected. Highly material restructuring: closing 31% of all locations signals significant financial stress and a strategic repositioning of the business.

+ 8 other (3 13Gs · 2 earnings 8-Ks · 1 10-K · 1 11-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

CRMT Investor News: If You Have Suffered Losses in America's Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rightsglobenewswire.com·1d agoAmerica's Car-Mart, Inc. (CRMT) Q4 2026 Earnings Call Prepared Remarks Transcriptseekingalpha.com·2d agoAmerica's Car-Mart Reports Fourth Quarter and Fiscal Year 2026 Resultsglobenewswire.com·2d agoRosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMTprnewswire.com·2d agoSubprime Auto Loans Just Hit Their Worst Delinquency Rate in 32 Years. Here's What It Means for Lenders.fool.com·4d ago

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