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ACCE opinionAmerica's Car-Mart Inc Common Stock (CRMT)
Fair value
Not available
ACCE price target
$1.00
Rating
Not rated
Horizon
12 months
ACCE price target published on 23 Oct 2026, 01:52 CEST; previously $0.66 since 22 Oct 2026, 01:52 CEST.
Price used: $0.80 at the close on 23 Oct 2026, 22:00 CEST.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
ACCE score
22
out of 100
Analysts
50% buy
2 covering
P/E
0.0x
forward 28.3x
1-year return
-96.9%
Dividend yield
0.00%
America's Car-Mart Inc Common Stock in four questions
Plain answers, details below
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Overview
ACCE thesis
America's Car-Mart sells used vehicles to subprime buyers across its dealership network and finances most of those sales in-house, so it is effectively a lender as much as a retailer. The data here is hard to square with a healthy franchise: revenue is down 57.6%, operating margin is -34.3%, and ROE is -43.0%, which points to a business in active distress rather than a cyclical dip. The score of 28/100 and the absence of index membership reflect the same picture. The one number that could argue for a closer look is the 28.3x forward P/E, but with a negative operating margin that multiple depends on earnings recovering from a loss-making base, which is the question a deeper review would need to answer before anything else.
⚠ Investor warnings · 4 flagsAI-assisted·How I use AI
severe
Revenue collapse and negative earnings
Revenue down 57.6% YoY and 51.9% QoQ. Net margin -18.7%, operating margin -34.3%. Company is unprofitable on a sustained basis.
severe
Leverage with deteriorating cash generation
Debt/Equity 1.78 with negative ROE of -43%. FCF figure of $290M appears inconsistent with negative earnings and revenue collapse; warrants verification.
high
High short interest amid distress
27.0% short interest combined with 57.6% revenue decline and negative profitability suggests market expects further deterioration.
high
Insider selling with no offsetting buys
Last 10 disclosed transactions: $0.10M in sales, $0.00M in buys. Insiders exiting while stock collapses.
AI research notes
AI-assisted·How I use AIWritten Oct 12, 2026 · figures from 2026-07-31 · prices to Oct 23, 2026
Why it could do well
Analyst consensus targets $7.50, implying 455.6% upside from current $1.35 price.
Company generated $290M in free cash flow over the last twelve months despite current challenges.
Half of analysts rate the stock Buy or Strong Buy, suggesting institutional conviction in recovery.
Why it could disappoint
Revenue collapsed 57.6% year over year and has declined 3.0% annually over five years.
Company lost money with negative 18.7% net margin and negative 43.0% return on equity.
Debt to equity of 1.78 combined with share dilution of 7.9% last year weakens shareholder position.
Each chip shows the exact figure and where it comes from. A claim without a source is not published.
Next results
Dec 3, 2026
We update the fair value about 2 days after the results, once the new figures are filed.Add to calendarGoogle
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