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America's Car-Mart (CRMT)
NASDAQ:CRMT
US Market

America's Car-Mart (CRMT) Ratios

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America's Car-Mart Ratios

CRMT's free cash flow for Q3 2025 was $0.49. For the 2025 fiscal year, CRMT's free cash flow was decreased by $ and operating cash flow was $-0.05. See a summary of the company’s cash flow.
Ratios
TTM
Apr 24Apr 23Apr 22Apr 21
Liquidity Ratios
Current Ratio
1.37 3.83 3.70 3.89 6.32
Quick Ratio
0.74 3.53 3.40 3.55 5.62
Cash Ratio
0.74 0.03 0.02 0.03 0.04
Solvency Ratio
-0.08 0.02 -0.02 0.03 0.15
Operating Cash Flow Ratio
0.10 -0.13 -0.21 -0.43 -0.69
Short-Term Operating Cash Flow Coverage
6.46 -0.24 -0.37 -0.83 -2.56
Net Current Asset Value
$ -928.29M$ 388.32M$ 303.88M$ 340.37M$ 364.07M
Leverage Ratios
Debt-to-Assets Ratio
0.59 0.53 0.55 0.50 0.43
Debt-to-Equity Ratio
1.99 1.48 1.74 1.41 1.05
Debt-to-Capital Ratio
0.67 0.60 0.64 0.58 0.51
Long-Term Debt-to-Capital Ratio
0.65 0.50 0.54 0.49 0.45
Financial Leverage Ratio
3.39 2.82 3.14 2.84 2.42
Debt Service Coverage Ratio
-0.19 0.35 0.15 0.31 1.99
Interest Coverage Ratio
0.25 1.33 0.39 1.68 12.04
Debt to Market Cap
9.53 2.18 2.07 1.26 0.84
Interest Debt Per Share
123.42 121.69 138.51 116.02 78.81
Net Debt to EBITDA
39.61 8.27 25.37 9.91 3.60
Profitability Margins
Gross Profit Margin
36.76%47.80%45.09%42.66%45.26%
EBIT Margin
1.17%6.72%1.81%4.56%11.02%
EBITDA Margin
1.91%7.27%2.30%4.96%11.35%
Operating Profit Margin
1.60%6.74%1.84%4.59%10.84%
Pretax Profit Margin
-5.21%1.64%-2.88%1.84%10.07%
Net Profit Margin
-8.54%1.29%-2.25%1.45%7.84%
Continuous Operations Profit Margin
-8.54%1.29%-2.25%1.45%7.84%
Net Income Per EBT
164.09%78.47%78.22%79.21%77.81%
EBT Per EBIT
-326.07%24.32%-156.47%40.01%92.88%
Return on Assets (ROA)
-5.80%1.11%-2.12%1.44%8.23%
Return on Equity (ROE)
-17.38%3.14%-6.66%4.10%19.93%
Return on Capital Employed (ROCE)
1.20%7.59%2.28%5.91%13.28%
Return on Invested Capital (ROIC)
7.83%5.12%1.51%4.06%9.89%
Return on Tangible Assets
-5.88%1.13%-2.15%1.46%8.29%
Earnings Yield
-100.49%5.01%-8.58%4.04%18.05%
Efficiency Ratios
Receivables Turnover
0.98 1.17 1.26 1.30 1.40
Payables Turnover
36.71 20.76 35.80 29.63 33.09
Inventory Turnover
6.90 6.47 7.12 7.37 5.76
Fixed Asset Turnover
10.62 11.52 11.47 11.63 11.63
Asset Turnover
0.68 0.87 0.94 0.99 1.05
Working Capital Turnover Ratio
1.89 1.38 1.48 1.55 1.60
Cash Conversion Cycle
415.43 350.61 331.31 317.35 313.97
Days of Sales Outstanding
372.47 311.78 290.26 280.17 261.59
Days of Inventory Outstanding
52.91 56.42 51.25 49.50 63.42
Days of Payables Outstanding
9.94 17.59 10.19 12.32 11.03
Operating Cycle
425.38 368.19 341.50 329.67 325.00
Cash Flow Ratios
Operating Cash Flow Per Share
1.98 -6.48 -11.57 -21.66 -17.56
Free Cash Flow Per Share
1.71 -6.99 -12.53 -25.15 -20.77
CapEx Per Share
0.27 0.51 0.96 3.49 3.21
Free Cash Flow to Operating Cash Flow
0.86 1.08 1.08 1.16 1.18
Dividend Paid and CapEx Coverage Ratio
7.09 -12.54 -11.95 -6.19 -5.46
Capital Expenditure Coverage Ratio
7.21 -12.67 -12.02 -6.21 -5.47
Operating Cash Flow Coverage Ratio
0.02 -0.06 -0.09 -0.20 -0.23
Operating Cash Flow to Sales Ratio
0.01 -0.04 -0.05 -0.10 -0.09
Free Cash Flow Yield
15.08%-14.74%-21.89%-31.69%-25.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
-1.00 19.94 -11.65 24.74 5.54
Price-to-Sales (P/S) Ratio
0.09 0.26 0.26 0.36 0.43
Price-to-Book (P/B) Ratio
0.20 0.63 0.78 1.01 1.10
Price-to-Free Cash Flow (P/FCF) Ratio
6.63 -6.78 -4.57 -3.16 -3.89
Price-to-Operating Cash Flow Ratio
5.71 -7.32 -4.95 -3.66 -4.61
Price-to-Earnings Growth (PEG) Ratio
<0.01 -0.13 0.05 -0.32 -0.79
Price-to-Fair Value
0.20 0.63 0.78 1.01 1.10
Enterprise Value Multiple
44.06 11.80 36.77 17.17 7.42
Enterprise Value
928.18M 1.19B 1.18B 1.20B 1.02B
EV to EBITDA
44.06 11.80 36.77 17.17 7.42
EV to Sales
0.84 0.86 0.85 0.85 0.84
EV to Free Cash Flow
65.55 -22.66 -14.74 -7.47 -7.56
EV to Operating Cash Flow
56.46 -24.45 -15.96 -8.67 -8.94
Tangible Book Value Per Share
55.03 72.71 71.49 76.47 71.94
Shareholders’ Equity Per Share
57.78 75.72 73.73 78.30 73.25
Tax and Other Ratios
Effective Tax Rate
-0.61 0.21 0.22 0.21 0.22
Revenue Per Share
133.02 184.84 218.19 220.60 186.24
Net Income Per Share
-11.37 2.38 -4.91 3.21 14.60
Tax Burden
1.64 0.78 0.78 0.79 0.78
Interest Burden
-4.47 0.24 -1.59 0.40 0.91
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.05 0.00 0.00 0.12 0.12
Stock-Based Compensation to Revenue
0.00 0.00 <0.01 <0.01 <0.01
Income Quality
-0.17 -2.72 2.35 -6.75 -1.22
Currency in USD