OakChart

Americas Car Mart Inc

CRMTConsumer Cyclical·Auto & Truck Dealerships·USA·Nano·NASD·Nov 11 • 3:59 PM ET

0.9586+0.0861 (9.87%)
2026-11-12 06:46 CET
Market cap
7.99 USD m
Revenue, TTM
1,085.56 USD m
Net income, TTM
-197.76 USD m
Free cash flow, TTM
149.50 USD m
EPS diluted, TTM
-23.80
P/E
-
Compare

Price

CRMT against its 20, 50 and 200-day averages
2050200miss
Patternshover a marker to name it
0.0010.0020.0024.1M48.3MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CRMTclose 0.9620-day 1.0350-day 1.32200-day 8.180.96

96.7% under the 52-week high of 28.70 on 8 Jan 2026. 52-week low 0.57 on 21 Oct 2026. Last 15 sessions, 184.0% high to low

Volume 0.36× normal · the line is the 50-bar volume average

Profile

CRMT
52-week range, 1% of the way up
0.5728.70

America's Car-Mart, Inc. engages in the provision of sale of older model used vehicles and the provision of financing for its customers in the United States. It operates dealerships in the South-Central United States. The company was founded by Bill Fleeman in 1981 and is headquartered in Rogers, AR.

Employees1500
IPOMar 13, 1987
Beta1.32
ATR, 14d0.25
Rel volume0.36
Short float23.37%
Insider own7.35%
Inst own70.29%

Snapshot

6 groups

Valuation

Index-
Market Cap8.00M
Enterprise Value569.77M
Income-197.76M
Sales1.09B
Book/sh45.14
Cash/sh13.18
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees1500
IPOMar 13, 1987

Ratios

P/E-
Forward P/E-
PEG-
P/S0.01
P/B0.02
P/C0.07
P/FCF0.05
EV/EBITDA-
EV/Sales0.52
Quick Ratio8.05
Current Ratio8.32
Debt/Eq1.78
LT Debt/Eq1.76
Option/ShortNo / No

Earnings

EPS (ttm)-23.80
EPS next Y-
EPS next Q-0.59
EPS this Y104.76%
EPS next Y-
EPS next 5Y-
EPS past 3/5Y- -
Sales past 3/5Y-2.91% 6.89%
EPS Y/Y TTM-1589.52%
Sales Y/Y TTM-21.59%
EPS Q/Q-1092.60%
Sales Q/Q-57.30%
EarningsSep 09 BMO
EPS/Sales Surpr.-1135.82% -42.40%

Ownership

Insider Own7.35%
Insider Trans0.00%
Inst Own70.29%
Inst Trans-8.09%
ROA-14.05%
ROE-41.98%
ROIC-18.99%
Gross Margin47.77%
Oper. Margin-7.10%
Profit Margin-18.22%
SMA20-6.54%
SMA50-27.42%
SMA200-88.28%
Trades-

Technical

Shs Outstand8.34M
Shs Float7.73M
Short Float23.37%
Short Ratio3.50
Short Interest1.81M
52W High28.70 -96.66%
52W Low0.57 67.76%
Volatility26.99% 29.36%
ATR (14)0.25
RSI (14)44.64
Beta1.32
Rel Volume0.36
Avg Volume516.79K
Volume183,895

Performance

Perf Week-23.92%
Perf Month-34.57%
Perf Quarter-68.98%
Perf Half Y-92.06%
Perf YTD-96.21%
Perf Year-95.04%
Perf 3Y-98.71%
Perf 5Y-99.25%
Perf 10Y-97.64%
Recom2.00
Target Price7.50
Prev Close0.87
Price0.96
Change %9.87%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Nov 13, 2024InitiatedSStephensEqual-Weight$50+5,115.9%
Jun 07, 2024InitiatedBBTIG ResearchNeutral
Jan 02, 2024DowngradeSStephensOverweight → Equal-Weight
Jul 17, 2023UpgradeSStephensEqual-Weight → Overweight$70 → $135+13,983.0%
Aug 19, 2022DowngradeSStephensOverweight → Equal-Weight$113 → $83+8,558.5%
Apr 06, 2022DowngradeBBofA SecuritiesBuy → Underperform$191 → $123+12,731.2%
Mar 27, 2020UpgradeSStephensEqual-Weight → Overweight$139 → $72+7,411.0%
Feb 13, 2020DowngradeJJanneyBuy → Neutral
Mar 28, 2019InitiatedBBuckingham ResearchBuy$103+10,644.8%
Feb 26, 2019ReiteratedBBofA/MerrillBuy$102 → $110+11,375.1%

Peers

Mkt cap
TickerCompanyMkt cap
KMXCarmax Inc7.65B
CVNACarvana Co81.50B
ANAutonation Inc5.99B
CPSSConsumer Portfolio Service Inc218.07M
SAHSonic Automotive Inc2.00B
UXINUxin Ltd ADR180.25M
VRMVroom Inc36.58M
MFINMedallion Financial Corp206.14M
RMRegional Management Corp315.75M
OPRTOportun Financial Corp543.74M

Insider trading

2 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Peterson Adam K10% OwnerApr 27 '26Sale12.598,000100,7201,119,875Apr 29 04:43 PM
Collins Jonathan M.Chief Financial OfficerDec 11 '25Buy25.271974,9786,444Dec 12 09:25 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
FNDASchwab Fundamental U.S. Small Company ETFAUM: 8.98B
VXFVanguard Extended Market Index ETFAUM: 30.47B
VCRVanguard Consumer Discretionary ETFAUM: 6.21B
IWCiShares Micro-Cap ETFAUM: 1.22B
PRFZInvesco RAFI US 1500 Small-Mid ETFAUM: 2.66B
EESWisdomTree U.S. SmallCap FundAUM: 684.87M
BUSMEA Bridgeway Ultra-Small Company Market ETFAUM: 111.21M
FNDBSchwab Fundamental U.S. Broad Market ETFAUM: 1.52B

News

latest 14 of 196

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q12026-09-09-8.280-0.670-8.280145.75253.032
2025Q42026-07-14-3.560-0.660-3.562302.83334.882
2025Q32026-03-12-9.250-0.257-9.245286.79329.263
2025Q22025-12-04-2.710-0.337-2.714350.19331.023
2025Q12025-09-04-0.6900.827-0.695341.31359.213
2024Q42025-06-121.2600.8631.261370.17351.854
2024Q32025-03-060.3700.0950.375325.73295.254
2024Q22024-12-050.610-0.0980.614347.27338.325
2024Q12024-09-04-0.1500.663-0.152347.76338.784
2023Q42024-06-180.0600.1980.064364.67361.484
2023Q32024-03-08-1.340-1.095-1.338299.61350.962
2023Q22023-12-05-4.3000.785-4.302361.58363.764
2023Q12023-09-050.6300.9130.629368.03347.234
2022Q42023-05-240.3200.9130.316388.3352.874
2022Q32023-02-220.2300.3380.229326.53326.364
2022Q22022-11-170.4801.6970.478351.84340.423

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2016FY2.4902.4482.490520.15577.09
2017FY4.9004.1834.900537.53582.98
2018FY6.7306.4766.729669.12592.66
2019FY7.3907.1737.386744.61707.24
2020FY14.95011.53514.953918.61840.11
2021FY13.67012.77813.9191,2121,130
2022FY3.1103.6503.1051,4051,339
2023FY-4.920-4.743-4.9201,3941,338
2024FY2.3301.8002.3291,3911,324
2025FY-16.790-13.315-16.7901,2821,318
2026FY-0.800--1,255
2027FY--2.260--862.3

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q2S2026-10-22100292.97292.97292.97
2026Q2S2026-09-27200251.14209.3292.97
2026Q2S2026-09-09201251.14209.3292.97
2026Q2S2026-07-14201251.14209.3292.97
2026Q2S2026-07-13100350.09350.09350.09
2026Q2S2026-06-12100350.09350.09350.09
2026Q2S2026-06-09200330.47310.84350.09
2026Q2S2026-05-30300328.14310.84350.09
2026Q2S2026-05-26301328.14310.84350.09
2026Q2S2026-03-16303328.14310.84350.09
2026Q2S2026-03-12302331.97310.84361.57
2026Q2S2026-03-11300350.83339.41361.57
2026Q2S2026-02-17301350.83339.41361.57
2026Q2S2026-01-09312350.83339.41361.57

Estimate history

EPS, annual4.96.7297.38614.95313.9193.105-4.922.329-16.787-23.804
Period201720182019202020212022202320242025TTM
EPS, quarterly-0.1520.6140.3751.261-0.695-2.714-9.245-3.562-8.283
PeriodQ1 '24Q2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Sales, annual612.201669.122744.611918.611195.5511400.4131393.8941390.9321281.5021085.56
Period201720182019202020212022202320242025TTM
Sales, quarterly347.763347.269325.726370.174341.312350.192286.792302.826145.751
PeriodQ1 '24Q2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26
Shares, annual6.8496.6996.6196.6266.3726.3736.3958.2638.3068.338
Period201720182019202020212022202320242025MRQ
Shares, quarterly6.3978.2538.2578.2638.2788.2958.3028.3068.338
PeriodQ1 '24Q2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue1,085.561,281.501,390.931,393.891,400.411,195.55918.61744.61669.12
Cost of Goods Sold Incl. D&A567.04672.19733.70765.42806.39667.66482.87392.31347.87
Gross Profit518.52609.31657.23628.48594.02527.89435.74352.30321.25
Selling, General and Administrative Excl. Other595.60627.31563.48602.83529.56394.18294.52280.01253.61
Research and Development0.000.000.000.000.000.000.000.000.00
Other Operating Expense0.000.000.000.000.000.000.000.000.00
Operating Income-77.08-18.0093.7525.6564.47133.70141.2272.2967.64
Interest Expense76.6874.4970.6565.3538.3110.926.828.057.88
Unusual Expense10.8615.490.000.000.000.000.00--
Net Income Before Taxes-164.78-107.9822.80-40.1325.79122.64134.4464.3559.85
Income Taxes32.9431.134.87-8.745.3627.6230.3013.0112.23
Consolidated Net Income-197.72-139.1117.93-31.3920.4395.01104.1451.3447.62
Net Income From Continuing Operations-197.72-139.1117.93-31.3920.4395.01104.1451.3447.62
Net Income-197.76-139.1517.89-31.4320.3994.97104.1051.3047.59
EPS (Recurring)-22.83-15.482.33-4.923.1113.9214.957.396.73
EPS (Basic, Before Extraordinaries)-23.80-16.792.38-4.923.2014.6015.707.746.99
EPS (Diluted)-23.80-16.792.33-4.923.1113.9214.957.396.73
EBITDA-66.67-9.79101.4032.5270.07137.74144.9476.1371.61
Non-Operating Income (Expense)-0.160.01-0.30-0.44-0.36-0.150.040.110.09
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense4.744.803.702.903.244.204.603.602.80
Price To Earnings Ratio--52.70-11.965.1010.118.9414.70
Price To Sales Ratio0.020.080.260.260.380.461.140.621.05
Gross Margin47.7747.5547.2545.0942.4244.1547.4347.3148.01
Operating Margin-7.10-1.406.741.844.6011.1815.379.7110.11
Net Margin-18.22-10.861.29-2.261.467.9411.336.897.11
Shares Outstanding8.348.318.266.396.376.376.636.626.70
Market Capitalization7.997.99391.78365.88512.09520.65997.43436.19664.33

Income statement, quarterly

Currency USD, millions
Metric2026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q2
Total Revenue145.75302.83286.79350.19341.31370.17325.73347.27
Cost of Goods Sold Incl. D&A72.07168.95144.90181.12177.22198.84171.26175.14
Gross Profit73.68133.88141.89169.07164.09171.33154.46172.13
Selling, General and Administrative Excl. Other123.11139.48156.71176.30154.44141.31133.11146.93
Research and Development0.000.000.000.000.000.000.000.00
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income-49.43-5.60-14.83-7.229.6530.0321.3525.20
Interest Expense19.2319.9921.7715.6917.0417.3716.9218.04
Unusual Expense0.006.380.004.480.000.000.000.00
Net Income Before Taxes-68.83-31.74-36.72-27.48-7.4012.484.397.12
Income Taxes0.15-2.1839.98-5.01-1.671.841.232.02
Consolidated Net Income-68.98-29.57-76.70-22.47-5.7410.633.165.10
Net Income From Continuing Operations-68.98-29.57-76.70-22.47-5.7410.633.165.10
Net Income-68.99-29.57-76.71-22.48-5.7510.623.155.09
EPS (Recurring)-8.28-3.02-9.25-2.34-0.691.260.370.61
EPS (Basic, Before Extraordinaries)-8.28-3.56-9.25-2.71-0.691.290.380.62
EPS (Diluted)-8.28-3.56-9.25-2.71-0.691.260.370.61
EBITDA-45.83-3.67-12.05-5.1211.7931.9723.2427.12
Non-Operating Income (Expense)-0.180.23-0.12-0.10-0.01-0.17-0.04-0.04
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.902.100.800.940.911.000.821.12
Price To Earnings Ratio---14.3121.4952.70--
Price To Sales Ratio0.020.080.160.130.270.290.300.24
Gross Margin50.5544.2149.4748.2848.0846.2847.4249.57
Operating Margin-33.91-1.85-5.17-2.062.838.116.557.26
Net Margin-47.33-9.77-26.75-6.42-1.682.870.971.47
Shares Outstanding8.348.318.308.298.288.268.268.25
Market Capitalization7.99101.37213.34184.11372.11391.78401.82316.10

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments131.65124.5494.4568.0342.592.8959.561.751.02
Short Term Receivables1,090.721,188.111,108.461,078.83868.87628.49469.24419.78387.26
Inventories54.07112.23107.47109.29115.3082.2636.4137.4833.61
Other Current Assets13.0518.1831.2826.0415.076.124.444.634.75
Total Current Assets1,289.491,443.051,341.651,282.201,041.83719.76569.65463.65426.63
Net Property, Plant & Equipment86.28120.72121.55120.82104.2495.1290.8528.5428.59
Total Investments and Advances0.000.000.000.000.000.000.000.000.00
Intangible Assets22.7722.8014.4511.728.627.286.820.350.35
Deferred Tax Assets21.3455.8931.9011.718.796.886.525.075.27
Other Assets18.3019.900.000.000.000.000.000.000.00
Total Assets1,438.171,662.361,509.541,426.451,163.49829.04673.85497.61460.85
Short Term Debt Incl. Current Port. of LT Debt9.4311.370.000.007.538.867.361.770.89
Accounts Payable32.0634.9821.3827.2020.0518.2113.1213.6613.61
Income Tax Payable8.5911.786.238.547.396.056.823.573.27
Other Current Liabilities123.72137.58142.38139.84117.7380.3852.8845.9542.34
Total Current Liabilities173.81195.71169.99175.58152.71113.5180.1664.9560.11
Long Term Debt762.77833.70818.70700.90494.61281.75271.02152.42151.98
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities55.5463.0449.7051.0339.2426.8919.5019.3317.82
Other Liabilities0.000.000.000.000.000.000.000.000.00
Total Liabilities992.121,092.441,038.39927.50686.56422.14370.69236.70229.92
Non-Equity Reserves0.000.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.400.400.400.400.400.400.400.400.40
Common Equity445.56569.42470.65498.45476.43406.40302.66260.41230.44
Total Shareholders Equity445.96569.82471.05498.85476.83406.80303.06260.81230.84
Accumulated Minority Interest0.100.100.100.100.100.100.100.100.10
Total Equity446.06569.92471.15498.95476.93406.90303.16260.91230.94
Total Liabilities & Stockholders Equity1,438.171,662.361,509.541,426.451,163.49829.04673.85497.61460.85
Book Value Per Share53.6568.9173.6078.2174.7761.3345.7238.8733.64
Tangible Book Value Per Share50.9066.1571.3476.3773.4260.2444.6938.8233.59
Full-Time Employees1,5002,3002,2802,2602,1001,8501,7501,6001,504
Price to Book Ratio0.020.700.781.031.162.461.442.551.58
Return on Assets-8.971.13-2.131.589.5413.868.779.948.18
Return on Equity-27.393.45-6.474.1921.5129.3418.2119.3715.73
Return on Invested Capital-11.511.28-2.431.709.7815.128.9411.539.54
Quick Ratio7.116.807.266.686.075.626.656.566.54
Current Ratio7.427.377.897.306.826.347.117.147.10

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Net Income-202.35-139.1117.93-31.3920.4395.01104.1451.3447.62
Depreciation7.878.217.656.875.604.033.723.843.97
Other Funds (Non Cash)451.06482.43420.29467.93389.10266.35188.93185.10167.25
Funds from Operations283.03378.59435.21421.90424.00374.14303.81239.00220.54
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-132.09-313.63-483.97-495.80-559.73-493.32-357.63-218.09-195.64
Income Taxes Payable-2.80-4.974.416.30-8.98-0.42-3.695.79-0.50
Cash from Operating Activities150.9564.96-48.76-73.90-135.73-119.18-53.8120.9224.90
Capital Expenditures-1.44-1.81-3.89-6.15-22.11-15.80-8.95-5.42-4.03
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses1.150.290.040.320.080.020.690.180.14
Purchase or Sale of Investments0.000.00-7.53-4.82-5.55-1.570.00-4.650.00
Purchase of Investments0.000.00-7.53-4.82-5.55-1.570.00-4.650.00
Sale Or Maturity of Investments0.000.000.000.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities-0.29-1.52-11.38-10.64-27.57-17.35-8.26-9.89-3.89
Cash Dividends Paid-0.04-0.04-0.04-0.04-0.04-0.04-0.04-0.04-0.04
Change in Capital Stock-0.07-0.0873.67-0.54-3.69-35.89-6.32-14.29-21.31
Repurchase of Common Pref Stock-0.25-0.30-0.43-0.36-5.20-34.70-10.62-16.01-26.58
Sale of Common Pref Stock0.180.2274.11-0.171.50-1.204.291.725.26
Proceedsfrom Stock Options0.180.220.000.001.22-1.490.260.190.15
Issuance or Reduction of Debt, Net-159.58-54.4616.60111.53192.48212.1611.7761.101.07
Change in Long Term Debt-152.13-53.1716.13110.71192.48213.969.9662.380.30
Issuance of Long Term Debt758.701,131.571,241.971,159.04922.44725.0073.06441.99450.18
Reduction of Long Term Debt-910.83-1,184.74-1,225.84-1,048.33-729.96-511.04-63.09-379.61-449.88
Net Financing Active Other Cash Flow-1.75-1.750.000.000.000.000.000.000.00
Other Financing Activities Uses-1.75-1.750.000.000.000.000.000.000.00
Cash from Financing Activities-162.10-56.3390.23110.96188.75176.225.4046.78-20.29
Net Change in Cash-11.457.1130.0926.4125.4539.69-56.6757.810.73
Free Cash Flow149.5063.15-52.65-80.04-157.83-134.97-62.7615.4920.87
Preferred Dividends (Cash Flow)--0.04-0.04-0.04-0.04-0.04-0.04-0.04-0.04
Price to Free Cash Flow0.181.60-----29.6433.62
Deferred Taxes & Investment Tax Credit-27.06-10.66-21.518.878.757.03-1.281.70

Balance sheet, quarterly

Currency USD, millions
Metric2026Q12025Q42025Q32025Q22025Q12024Q4
Cash & Short Term Investments109.98131.65236.98250.97121.43124.54
Short Term Receivables920.321,090.721,126.331,187.251,192.401,188.11
Inventories35.1954.07101.18104.75112.45112.23
Other Current Assets19.0413.0515.7116.5339.2418.18
Total Current Assets1,084.521,289.491,480.191,559.511,465.521,443.05
Net Property, Plant & Equipment82.3586.28103.93114.03118.76120.72
Total Investments and Advances0.000.000.000.000.000.00
Intangible Assets22.7622.7722.7723.6823.7022.80
Deferred Tax Assets-21.34---55.89
Other Assets16.5018.3019.9020.700.0019.90
Total Assets1,206.141,438.171,626.791,717.921,607.971,662.36
Short Term Debt Incl. Current Port. of LT Debt6.629.432.555.1015.1811.37
Accounts Payable22.1732.0619.0145.5533.9834.98
Income Tax Payable11.698.599.5010.3811.4111.78
Other Current Liabilities89.94123.72129.25135.94139.96137.58
Total Current Liabilities130.43173.81160.31196.97200.52195.71
Long Term Debt664.63762.77949.65957.66834.37833.70
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities34.2155.5437.017.757.7563.04
Other Liabilities0.000.000.000.000.000.00
Total Liabilities829.26992.121,146.981,162.391,042.641,092.44
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value0.400.400.400.400.400.40
Common Equity376.38445.56479.32555.03564.83569.42
Total Shareholders Equity376.78445.96479.72555.43565.23569.82
Accumulated Minority Interest0.100.100.100.100.100.10
Total Equity376.88446.06479.82555.53565.33569.92
Total Liabilities & Stockholders Equity1,206.141,438.171,626.791,717.921,607.971,662.36
Book Value Per Share45.1453.6557.7366.9168.2468.91
Tangible Book Value Per Share42.4150.9054.9964.0665.3766.15
Full-Time Employees-1,500---2,300
Price to Book Ratio0.020.210.380.330.650.70
Return on Assets-14.05-8.67-5.83-0.880.841.13
Return on Equity-41.98-26.48-18.17-2.602.543.45
Return on Invested Capital-6.62-2.45-5.37-1.49-0.410.76
Quick Ratio8.057.118.607.396.756.80
Current Ratio8.327.429.237.927.317.37

Cash flow, quarterly

Currency USD, millions
Metric2026Q12025Q42025Q32025Q22025Q12024Q4
Net Income-68.98-34.20-76.70-22.47-5.7410.63
Depreciation1.801.932.042.102.141.95
Other Funds (Non Cash)82.70110.37122.21135.79114.06105.70
Funds from Operations15.5275.2976.81115.42111.07115.97
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital64.55-7.55-82.73-106.36-116.99-96.75
Income Taxes Payable-0.080.653.53-6.90-2.250.93
Cash from Operating Activities80.0767.74-5.929.06-5.9219.22
Capital Expenditures-0.09-0.29-0.28-0.78-0.46-0.80
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.880.140.040.100.020.02
Purchase or Sale of Investments0.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities0.79-0.15-0.24-0.69-0.44-0.78
Cash Dividends Paid-0.01-0.01-0.01-0.01-0.01-0.01
Preferred Dividends (Cash Flow)-0.01-0.01-0.01-0.01-0.01-0.01
Change in Capital Stock0.000.040.04-0.15-0.000.06
Repurchase of Common Pref Stock-0.030.00-0.02-0.20-0.07-0.00
Sale of Common Pref Stock0.030.040.060.050.070.07
Proceedsfrom Stock Options0.030.040.060.050.07-74.04
Issuance or Reduction of Debt, Net-101.86-172.95-7.86123.093.26-20.31
Change in Long Term Debt-101.86-172.95-7.86130.54-2.90-20.72
Issuance of Long Term Debt0.00-2.19159.21601.68372.86139.35
Reduction of Long Term Debt-101.86-170.76-167.07-471.14-375.77-160.07
Net Financing Active Other Cash Flow0.000.000.00-1.750.000.00
Other Financing Activities Uses0.000.000.00-1.750.000.00
Cash from Financing Activities-102.53-172.91-7.83121.173.25-20.26
Net Change in Cash-21.67-105.33-13.99129.54-3.11-1.82
Free Cash Flow79.9867.45-6.208.28-6.3818.42
Price to Free Cash Flow0.181.6115.16---

Revenue breakdown

Payment Protection Plan2024: 35.04M 2025: 34.42M
Sales Used Autos2024: 987.35M 2025: 861.34M
Service Contract Sales2024: 83.75M 2025: 85.18M
Wholesales Third Party2024: 40.07M 2025: 46.87M
United States2024: 1.15B 2025: 1.03B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3023.37%1.8M7.7M494.59K
2026-10-1530.09%2.3M7.7M384.04K
2026-09-3022.35%1.7M7.8M492.47K
2026-09-1520.55%1.6M7.8M1.56M
2026-08-3118.03%1.4M8.0M1.70M
2026-08-1418.19%1.5M8.0M1.70M
2026-07-3120.21%1.5M7.6M1.68M
2026-07-1520.21%1.5M7.6M1.66M
2026-06-3021.38%1.6M7.6M1.50M
2026-06-1523.02%1.8M7.6M399.17K
2026-05-2918.61%1.4M7.6M136.84K
2026-05-1519.14%1.5M7.6M139.51K
2026-04-3019.63%1.5M7.6M142.97K
2026-04-1517.84%1.4M7.7M138.04K
2026-03-3116.64%1.3M7.7M129.99K
2026-03-1314.09%1.1M7.7M135.70K
2026-02-2713.56%1.0M7.7M134.74K
2026-02-1313.14%1.0M7.7M148.41K
2026-01-3011.73%0.9M7.7M161.18K
2026-01-1513.08%1.0M7.7M172.12K

Option chain

expiry 2026-11-12
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-108-KCurrent report2026-11-09SEC
2026-11-058-KCurrent report2026-11-04SEC
2026-11-034Statement of changes in beneficial ownership of securities2026-10-31SEC
2026-11-028-KCurrent report2026-11-01SEC
2026-10-218-KCurrent report2026-10-15SEC
2026-10-158-KCurrent report2026-10-14SEC
2026-10-088-KCurrent report2026-10-08SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-018-KCurrent report2026-09-30SEC
2026-09-254Statement of changes in beneficial ownership of securities2026-09-23SEC
2026-09-254Statement of changes in beneficial ownership of securities2026-09-23SEC
2026-09-254Statement of changes in beneficial ownership of securities2026-09-23SEC
2026-09-254Statement of changes in beneficial ownership of securities2026-09-23SEC
2026-09-248-KCurrent report2026-09-24SEC
2026-09-248-KCurrent report2026-09-23SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-17SEC
2026-09-188-KCurrent report2026-09-18SEC
2026-09-118-KCurrent report2026-09-10SEC
2026-09-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-07-31SEC
2026-09-098-KCurrent report2026-09-09SEC
2026-09-048-KCurrent report2026-09-04SEC
2026-09-03SCHEDULE 13G/ASEC
2026-08-14ARSAnnual report to security holders. 2026-04-30SEC
2026-08-14DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-08-14DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-09-23SEC
2026-08-14SCHEDULE 13G/ASEC
2026-08-14SCHEDULE 13GSEC
2026-08-103Initial statement of beneficial ownership of securities2026-06-23SEC
2026-08-103Initial statement of beneficial ownership of securities2026-08-01SEC
2026-08-103Initial statement of beneficial ownership of securities2026-06-23SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-0400100.72K1
2026-030000
2026-020000
2026-010000
2025-124.98K100
2025-110000

Institutional holders

Manager% owned
Nantahala Capital Management, LLC15.53%
MAGNOLIA GROUP, LLC6.83%
AMERIPRISE FINANCIAL INC6.74%
VANGUARD CAPITAL MANAGEMENT LLC3.78%
AQR CAPITAL MANAGEMENT LLC3.46%
BlackRock, Inc.3.06%
JPMORGAN CHASE & CO2.50%
YACKTMAN ASSET MANAGEMENT LP2.39%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC2.06%
MASSACHUSETTS INSTITUTE OF TECHNOLOGY2.02%

Funds

Fund% owned
Columbia Small Cap Value Discovery Fund4.70%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.75%
Schwab Fundamental U.S. Small Company ETF1.15%
VANGUARD EXTENDED MARKET INDEX FUND1.03%
AMG Yacktman Global Fund0.96%
Columbia Variable Portfolio - Small Cap Value Discovery Fund0.85%
Fidelity Small Cap Index Fund0.85%
Fidelity Extended Market Index Fund0.55%
AMG Yacktman Special Opportunities Fund0.48%
U.S. SMALL CAP PORTFOLIO0.45%

OakChart. CRMT. Cached 15 minutes.