Americas Car Financials

CRMT Stock  USD 60.24  2.25  3.60%   
Based on the analysis of Americas Car's profitability, liquidity, and operating efficiency, Americas Car Mart is not in a good financial situation at the moment. It has a very high risk of going through financial straits in April. At this time, Americas Car's Non Current Assets Total are comparatively stable compared to the past year. Cash And Short Term Investments is likely to gain to about 11.8 M in 2024, despite the fact that Other Stockholder Equity is likely to grow to (586.8 M). Key indicators impacting Americas Car's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.01240.0131
Notably Down
Slightly volatile
Return On Assets0.01230.0129
Sufficiently Down
Slightly volatile
Return On Equity0.0540.0618
Fairly Down
Slightly volatile
Debt Equity Ratio5.445.18
Sufficiently Up
Slightly volatile
Operating Income77.8 M74.1 M
Sufficiently Up
Slightly volatile
Current Ratio1.681.76
Sufficiently Down
Very volatile
The financial analysis of Americas Car is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Americas Car includes many different criteria found on its balance sheet. For example, investors should never minimize Americas Car's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Americas Car's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Americas Car.

Net Income

21.47 Million

With this module, you can analyze Americas financials for your investing period. You should be able to track the changes in Americas Car individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past Americas Car Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Americas Car's financial statements are interrelated, with each one affecting the others. For example, an increase in Americas Car's assets may result in an increase in income on the income statement.
Evaluating Americas Car's financials involves analyzing a range of financial metrics and ratios to gain insights into the company's financial health and performance. However, considering all of Americas Car's profitability, liquidity ratios, and efficiency indicators at the same time could be an enormous task, and our Financial Distress score can provide you with a snapshot of the Americas Car's relative financial performance

Chance Of Distress

Less than 30

 
100  
 
Zero
Below Average
Americas Car Mart has less than 30 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Americas Car stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity.
Please note, Americas Car's odds of distress score SHOULD NOT be confused with the real chance of Americas Car Mart filing for bankruptcy protection for chapters 7, 11, 12, or 13. We define Financial Distress as an operational condition where an entity such as Americas is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from public financial statements and analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors considered include Americas Car's liquidity analysis, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
More Info
The data published in Americas Car's official financial statements usually reflect Americas Car's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Americas Car-Mart. For example, before you start analyzing numbers published by Americas accountants, it's critical to develop an understanding of what Americas Car's liquidity, profitability, and earnings quality are in the context of the Specialty Retail space in which it operates.
Please note, the presentation of Americas Car's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Americas Car's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Americas Car's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Americas Car Mart. Please utilize our Beneish M Score to check the likelihood of Americas Car's management manipulating its earnings.

Americas Car Company Summary

Americas Car competes with Macys, Wayfair, 1StdibsCom, Boqii Holding, and Foot Locker. Americas Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. The company was founded in 1981 and is based in Rogers, Arkansas. Americas Car-Mart operates under Auto Truck Dealerships classification in the United States and is traded on NASDAQ Exchange. It employs 2100 people.
Specialization
Consumer Discretionary, Consumer Discretionary Distribution & Retail
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0000799850
ISINUS03062T1051
CUSIP03062T105 228359105 228216107
RegionNorth America
LocationArkansas; U.S.A
Business Address1805 North 2nd
SectorSpecialty Retail
IndustryConsumer Discretionary
BenchmarkNYSE Composite
Websitewww.car-mart.com
Phone479 464 9944
CurrencyUSD - US Dollar
You should never invest in Americas Car without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Americas Stock, because this is throwing your money away. Analyzing the key information contained in Americas Car's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Americas Car Key Financial Ratios

Generally speaking, Americas Car's financial ratios allow both analysts and investors to convert raw data from Americas Car's financial statements into concise, actionable information that can be used to evaluate the performance of Americas Car over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Americas Car-Mart reports annually and quarterly.

Americas Car Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets667.3M822.2M1.1B1.4B1.6B1.7B
Other Current Liab9.5M(27.4M)7.6M(80.3M)(72.2M)(68.6M)
Net Debt218.8M287.7M495.2M628.8M723.1M759.3M
Retained Earnings460.9M565.0M658.2M685.8M788.7M828.1M
Cash59.6M2.9M6.9M9.8M11.3M11.8M
Net Receivables469.2M628.5M859.5M1.1B1.2B1.3B
Good Will6.8M7.3M8.6M11.7M10.5M11.1M
Inventory36.4M82.3M115.3M109.3M125.7M132.0M
Other Current Assets4.4M6.1M44.7M58.2M52.4M55.0M
Total Liab364.6M415.7M675.9M1.1B1.3B1.4B
Total Current Assets569.7M719.8M1.0B1.3B1.4B1.5B
Short Term Debt(24.5M)1.8M(43.9M)638.6M734.4M771.1M
Accounts Payable13.1M18.2M20.1M27.2M31.3M32.8M
Common Stock134K135K136K137K157.6K126.9K
Other Liab49.1M189.7M235.3M159.8M183.8M192.9M
Other Assets37.8M105.2M111.9M1.1B1.3B1.4B
Long Term Debt215.1M225.9M396.0M471.4M542.1M569.2M
Treasury Stock(230.9M)(246.9M)(257.5M)(292.2M)(263.0M)(249.9M)
Net Tangible Assets296.2M399.5M469.4M487.1M560.2M314.7M
Capital Surpluse88.6M98.8M103.1M109.9M126.4M83.5M

Americas Car Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Americas Car's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense8.1M6.8M10.9M38.3M34.5M32.8M
Total Revenue744.6M918.6M1.2B1.4B1.6B1.7B
Gross Profit356.1M439.5M548.7M599.6M689.6M724.0M
Operating Income72.3M141.2M131.5M64.5M74.1M77.8M
Ebit72.3M141.2M131.5M64.5M74.1M77.8M
Ebitda76.1M144.9M135.5M70.1M80.6M84.6M
Cost Of Revenue388.5M479.2M663.6M805.9M926.8M973.1M
Income Before Tax64.4M134.4M120.4M25.8M29.7M31.0M
Net Income51.3M104.8M95.0M20.4M23.5M21.5M
Income Tax Expense13.0M30.3M27.1M5.4M6.2M9.2M
Tax Provision13.0M30.3M27.1M5.4M6.2M5.9M
Net Interest Income(8.1M)(6.8M)(10.9M)(38.3M)(34.5M)(32.8M)

Americas Car Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Americas Car-Mart. It measures of how well Americas is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Americas Car brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Americas had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Americas Car has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Change To Inventory53.8M5.0M50.9M130.9M150.6M158.1M
Change In Cash57.8M(56.7M)39.7M(17.1M)(15.4M)(14.7M)
Free Cash Flow15.5M(62.8M)(135.2M)(160.2M)(144.2M)(137.0M)
Depreciation3.8M3.7M4.0M5.6M6.4M6.8M
Other Non Cash Items180.4M183.0M265.3M363.8M418.4M439.3M
Capital Expenditures5.4M9.0M20.9M22.2M25.6M26.8M
Net Income51.3M104.1M93.3M20.4M23.5M22.4M
End Period Cash Flow59.6M2.9M42.6M25.4M29.3M30.7M
Change To Netincome162.2M176.6M287.4M367.4M422.5M443.6M
Change Receivables750K(269K)(1.6M)(1.2M)(1.1M)(1.0M)
Net Borrowings61.1M11.8M218.3M192.5M221.4M232.4M
Investments(4.6M)(8.3M)(1.3M)(25.3M)(22.8M)(21.7M)

Americas Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Americas Car's current stock value. Our valuation model uses many indicators to compare Americas Car value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Americas Car competition to find correlations between indicators driving Americas Car's intrinsic value. More Info.
Americas Car Mart is rated below average in price to book category among related companies. It is rated below average in shares outstanding category among related companies creating about  7,783,853  of Shares Outstanding per Price To Book. Common Stock Shares Outstanding is likely to gain to about 8.3 M in 2024. Comparative valuation analysis is a catch-all model that can be used if you cannot value Americas Car by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Americas Car's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Americas Car's earnings, one of the primary drivers of an investment's value.

Americas Car-Mart Systematic Risk

Americas Car's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Americas Car volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Americas Car-Mart correlated with the market. If Beta is less than 0 Americas Car generally moves in the opposite direction as compared to the market. If Americas Car Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Americas Car-Mart is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Americas Car is generally in the same direction as the market. If Beta > 1 Americas Car moves generally in the same direction as, but more than the movement of the benchmark.

About Americas Car Financials

What exactly are Americas Car Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Americas Car's income statement, its balance sheet, and the statement of cash flows. Potential Americas Car investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Americas Car investors may use each financial statement separately, they are all related. The changes in Americas Car's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Americas Car's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze Americas Car Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Americas Car is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Americas has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if Americas Car's financials are consistent with your investment objective using the following steps:
  • Review Americas Car's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand Americas Car's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare Americas Car's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Americas Car's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.
Today, most investors in Americas Car Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Americas Car's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Americas Car growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.28)

At this time, Americas Car's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Americas Car March 19, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Americas Car help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Americas Car Mart. We use our internally-developed statistical techniques to arrive at the intrinsic value of Americas Car Mart based on widely used predictive technical indicators. In general, we focus on analyzing Americas Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Americas Car's daily price indicators and compare them against related drivers.
When determining whether Americas Car-Mart is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Americas Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Americas Car Mart Stock. Highlighted below are key reports to facilitate an investment decision about Americas Car Mart Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Americas Car Mart. Also, note that the market value of any Company could be tightly coupled with the direction of predictive economic indicators such as signals in population.
You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.

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When running Americas Car's price analysis, check to measure Americas Car's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Americas Car is operating at the current time. Most of Americas Car's value examination focuses on studying past and present price action to predict the probability of Americas Car's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Americas Car's price. Additionally, you may evaluate how the addition of Americas Car to your portfolios can decrease your overall portfolio volatility.
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Is Americas Car's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Americas Car. If investors know Americas will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Americas Car listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.70)
Earnings Share
(4.67)
Revenue Per Share
221.88
Quarterly Revenue Growth
(0.08)
Return On Assets
0.0098
The market value of Americas Car-Mart is measured differently than its book value, which is the value of Americas that is recorded on the company's balance sheet. Investors also form their own opinion of Americas Car's value that differs from its market value or its book value, called intrinsic value, which is Americas Car's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Americas Car's market value can be influenced by many factors that don't directly affect Americas Car's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Americas Car's value and its price as these two are different measures arrived at by different means. Investors typically determine if Americas Car is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Americas Car's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.