1.14
-20.83%
Close of 9 Nov 2026, in USD
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About America's CAR-MART
From its filings with the US Securities and Exchange Commission
America's CAR-MART is based in Rogers, Arkansas and is incorporated in Texas. Its shares trade on Nasdaq under the ticker CRMT. The SEC classifies its business as retail-auto dealers & gasoline stations. In the fiscal year to 30 April 2026, it reported revenue of $1.28bn and a net loss of $139.1m. At that date it held total assets of $1.42bn and shareholders' equity of $445.6m.
Preserving Liquidity. The Company is prioritizing preserving cash across the organization, including curtailing vehicle inventory purchases, reducing finance receivable originations, tightening underwriting standards, limiting capital expenditures, and reducing staffing levels in connection with dealership closures, in order to strengthen its liquidity position during this period.
Optimizing the Dealership Footprint. The Company is continuing to evaluate its dealership footprint in order to reduce operating costs and concentrate resources in its strongest markets, balancing those savings against the risk of impairing collections performance. During fiscal year 2026, the Company closed 60 dealerships as part of this evaluation and transitioned servicing and collection of the associated customer accounts to nearby dealerships or the Company's centralized collections department. Because the centralized collections model is still in the early stages of implementation and its effectiveness over a full collections cycle has not yet been demonstrated, the Company intends to pace any additional dealership closures and consolidations so as not to outrun the model's proven capacity to maximize collections dollars. The Company expects to continue this evaluation and may close or consolidate additional dealerships going forward.
Quoted from its 10-K, filed 14 Jul 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Consumer Discretionary
- Industry
- Specialty Retail
- Listed since
- 13 Mar 1987
- Employees
- 1,500
- Website
- car-mart.com ↗
- Head office
- 1805 NORTH 2ND STREET, ROGERS, AR, 72756
- Incorporated in
- TX
- Classification
- Retail-Auto Dealers & Gasoline Stations
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Joshua WelchIndependent Chairman of the Board$277,486
- Mr. Douglas CampbellPresident, Chief Executive Officer, Director, since 2022$1.6m
- Mr. Jonathan CollinsChief Financial Officer
- Ms. Jamie FischerChief Operating Officer$1.1m
- Ms. Vickie JudyChief Accounting Officer$920,643
- Mr. Jeffrey WilliamsDirector, since 2005$240,000
- Ms. Ann BordelonIndependent Director$224,989
- Mr. Jonathan BubaIndependent Director$211,440
- Ms. Julian DavisIndependent Director$204,156
- Mr. Daniel EnglanderIndependent Director$214,989
- Ms. Dawn MorrisIndependent Director$212,489
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 52
- Environment
- 19
- Social
- 80
- Governance
- 58
- Women in the workforce
- 52%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Strong Market Presence:
- America's CAR-MART Inc has established a strong market presence in the used car industry, with a wide network of dealerships and a recognized brand name. This enables them to attract a large customer base and enjoy competitive advantages in terms of market share.
- Customer Loyalty:
- The company has a loyal customer base that continues to generate repeat business. This loyalty stems from their focus on customer satisfaction, personalized service, and offering affordable financing options, which keeps customers coming back.
- Strong Financial Performance:
- America's CAR-MART Inc has consistently achieved strong financial performance, with steady revenue growth and profitability. This provides them with the financial stability and resources to invest in expansion, innovation, and withstand market downturns.
Weaknesses
- Limited Geographic Presence:
- The company's operations are primarily concentrated in a few select states, limiting their market reach. This makes them vulnerable to regional economic fluctuations and exposes them to potential risks if their target states experience downturns in the automotive market.
- Reliance on External Financing:
- To sustain its growth and meet the demands of its customer base, America's CAR-MART Inc heavily relies on external financing sources, such as bank loans and lines of credit. This dependence on external funding exposes them to risks associated with changing interest rates and restrictive lending conditions.
- Limited Online Presence:
- While the company has a strong physical presence through its dealership network, its online presence is relatively underdeveloped. This makes it challenging to tap into the growing online car-buying trend and compete effectively with digital-first competitors.
Opportunities
- Expansion into New Markets:
- America's CAR-MART Inc can explore opportunities to expand its dealership network into new states or regions to diversify its geographic presence and tap into untapped markets. This would allow them to reduce their reliance on specific regional economies and capture new customer segments.
- Increasing Demand for Used Cars:
- As the cost of new cars continues to rise, there is a growing demand for affordable alternatives, such as used cars. America's CAR-MART Inc can leverage this trend by strengthening its positioning as a trusted provider of quality used cars with competitive financing options.
- Investing in Online Platforms:
- To compete in the digital age, the company can invest in developing a robust online platform that enhances the car buying experience, provides online financing options, and improves customer convenience. This can help them capture a larger market share and stay ahead of competitors.
Threats
- Intense Competition:
- The used car industry is highly competitive, with numerous players vying for market share. America's CAR-MART Inc faces the threat of aggressive competition from both traditional used car dealerships and online car marketplaces, which can impact their customer base and profitability.
- Economic Downturns:
- A downturn in the overall economy can negatively impact consumer spending power and reduce demand for cars, particularly used cars. America's CAR-MART Inc is exposed to the risk of economic fluctuations, which can affect their sales volume and financial performance.
- Regulatory Changes:
- Changes in government regulations related to the automotive industry, financial services, or consumer protection can impose additional compliance burdens and increase operating costs for America's CAR-MART Inc. They need to closely monitor regulatory developments and adapt accordingly.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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