What is the 13F Pro Quality Score for CRMT?

13F Pro ranks AMERICAS CARMART INC (CRMT) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CRMT's current score at https://13fpro.ai/research/CRMT (free sign-up required for the full ranking).

Where does 13F Pro source CRMT data?

All AMERICAS CARMART INC fundamentals and ownership data come directly from SEC EDGAR. AMERICAS CARMART INC files with the SEC under CIK 799850. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CRMT in?

AMERICAS CARMART INC (CRMT) is classified in the Consumer Discretionary sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/consumer-discretionary.

How often is CRMT research updated on 13F Pro?

CRMT's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

AMERICAS CARMART INC(CRMT)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Consumer Discretionary →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 799850 CRMT stock profile & AI dashboard →

13F Pro Quality Score

40.0/100

Rank #1,948 of 2,879 stocks

View Consumer Discretionary peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

22.0/100

Profitability

39.8/100

Balance Sheet

37.3/100

Earnings Quality

30.0/100

Free Cash Flow

39.3/100

Institutional Flow

62.1/100

Revenue Scale

50.1/100

Dilution Risk

80.5/100

CRMT Stock Analysis & AI Quality Score

AI stock analysis and institutional research for AMERICAS CARMART INC (CRMT), a Consumer Discretionary sector company. 13F Pro's AI-powered ranking engine scores CRMT at 40.0/100 on a 32-signal composite quality model, placing it at rank #1,948 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include revenue growth (22.0) and earnings quality (30.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q4 2026), AMERICAS CARMART INC reports quarterly revenue of $302.8M, net income of $-34.2M, free cash flow of $67.4M. Top institutional holders of CRMT by reported 13-F value include MAGNOLIA GROUP,, Nantahala Capital Management,, PRESCOTT GROUP CAPITAL MANAGEMENT, L.L.C., based on the most recent SEC filings. CRMT trades on the Nasdaq exchange and files with the SEC under CIK 799850. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CRMT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for AMERICAS CARMART INC directly from SEC EDGAR. AMERICAS CARMART INC's 13F Pro composite quality score has ranged between 31 and 40 since 2026, currently 40.0 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about AMERICAS CARMART INC

Quirks, history, and lore behind CRMT — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. consumer discretionary company · small-cap · listed on Nasdaq · headquartered in Arkansas.
2
The Numbers
Operates roughly 150+ dealership lots across more than a dozen states, with annual revenue in the neighborhood of $1 billion — not bad for a niche nobody brags about.
3
The History
Founded in the early 1980s in the South, it carved out a lane by targeting customers that traditional dealerships and lenders routinely turned away.
4
The Secret
It doesn't just sell cars — it finances them in-house, acting as its own lender, which means the real profit engine is interest income from its own customer base.
5
The Lore
Its entire model is built around the "buy here, pay here" philosophy — customers make payments directly to the dealer, often weekly, often in person.
6
The Giveaway
If your credit score is a disaster but you need a used car in Middle America, this Arkansas-based "Car-Mart" will work something out with you.

▶ Think you know your stocks? Play the Daily Ticker

Revenue

Q4 2026

$302.8M

Net Income

Q4 2026

$-34.2M

Free Cash Flow

Q4 2026

$67.4M

ROIC

Q4 2026

-8.2%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-8.1% YoY

$1.28BFY 2026

FY20 $744.6MFY23 $1.40BFY24 $1.39BFY26 $1.28B

Net Income

—FY 2026

FY20 $51.3MFY23 —FY24 —FY26 —

EPS (Diluted)

-241.3% YoY

$-16.79FY 2026

FY20 $7.39FY23 $3.11FY24 $-4.92FY26 $-16.79

Total Assets

-4.1% YoY

$1.42BFY 2026

FY20 $667.3MFY23 $1.41BFY24 $1.48BFY26 $1.42B

Total Debt

—FY 2026

FY20 —FY23 —FY24 —FY26 —

Op. Cash Flow

+187.9% YoY

$65.0MFY 2026

FY20 $20.9MFY23 $-135.7MFY24 $-73.9MFY26 $65.0M

Metric	FY 2026	FY 2024	FY 2023	FY 2020	FY 2019	FY 2018
Revenue	$1.28B -8.1%	$1.39B -0.5%	$1.40B +88.1%	$744.6M +11.3%	$669.1M +9.3%	$612.2M
Net Income	—	—	—	$51.3M +7.8%	$47.6M +30.4%	$36.5M
EPS (Diluted)	$-16.79 -241.3%	$-4.92 -258.2%	$3.11 -57.9%	$7.39 +9.8%	$6.73 +37.3%	$4.90
Total Assets	$1.42B -4.1%	$1.48B +4.4%	$1.41B +112.0%	$667.3M +35.5%	$492.5M +8.1%	$455.6M
Total Debt	—	—	—	—	$194.0K	—
Operating Cash Flow	$65.0M +187.9%	$-73.9M +45.6%	$-135.7M -748.9%	$20.9M -16.0%	$24.9M +149.2%	$10.0M

AI Insight: CRMT Financial Trends

Revenue collapsed 13% year-over-year to $303M in Q2 2026, while operating cash flow swung to +$68M on improved working capital management.

• Revenue declined from $370M (Q2 2025) to $303M (Q2 2026), a 18% contraction over four quarters.

• Operating cash flow turned positive at +$68M in Q2 2026 after persistent deficits through early 2025 (low of -$31M in Q1 2025).

• Total debt fell to $446M from $558M peak in Q1 2025, reducing leverage despite revenue pressure.

⚠ Quarterly revenue highly volatile: $303M (Q2 2026) vs. $370M (Q2 2025) suggests demand instability or seasonal disruption.

⚠ Operating cash flow remains erratic (±$68M swings Q2 2026 vs. -$6M Q1 2026); sustainability unclear.

AI Insight: CRMT Ratio Trends

Operating margins have collapsed into severe negative territory, with ROIC declining to -32.7% in Q2 2026, the worst in the dataset.

• Operating margin deteriorated from +3.4% in Q2 2025 to -12.0% in Q2 2026, a 15.4 percentage point decline in one year.

• ROIC swung from +8.8% in Q2 2025 to -32.7% in Q2 2026, signaling material destruction of invested capital.

• TTM operating margin stands at -8.9% and TTM ROIC at -24.2%, both deeply negative, reflecting sustained operational distress.

⚠ Profitability has remained negative for four consecutive quarters (Q3 2025 through Q2 2026), indicating systemic rather than cyclical issues.

⚠ Q2 2026 ROIC of -32.7% is the lowest on record; clarify whether margin compression, asset write-downs, or operational losses drive this.

Get alerted when CRMT's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for AMERICAS CARMART INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CRMT

MAGNOLIA GROUP, LLC
$16.0M1,260,690 sh
Nantahala Capital Management, LLC
$8.2M644,686 sh
PRESCOTT GROUP CAPITAL MANAGEMENT, L.L.C.
$7.6M600,201 sh
BlackRock, Inc.
$7.2M562,910 sh
VANGUARD CAPITAL MANAGEMENT LLC
$4.2M329,491 sh
AMERIPRISE FINANCIAL INC
$3.4M269,436 sh
North Reef Capital Management LP
$3.3M258,637 sh
KIZE CAPITAL LP
$2.8M218,282 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$2.6M208,109 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.6M203,761 sh

Fund	Value	Shares
MAGNOLIA GROUP, LLC	$16.0M	1,260,690
Nantahala Capital Management, LLC	$8.2M	644,686
PRESCOTT GROUP CAPITAL MANAGEMENT, L.L.C.	$7.6M	600,201
BlackRock, Inc.	$7.2M	562,910
VANGUARD CAPITAL MANAGEMENT LLC	$4.2M	329,491
AMERIPRISE FINANCIAL INC	$3.4M	269,436
North Reef Capital Management LP	$3.3M	258,637
KIZE CAPITAL LP	$2.8M	218,282
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$2.6M	208,109
GEODE CAPITAL MANAGEMENT, LLC	$2.6M	203,761

More Consumer Discretionary Companies

View all Consumer Discretionary →

AACG

ATA Creativity Global

AAP

ADVANCE AUTO PARTS INC

ABG

ASBURY AUTOMOTIVE GROUP INC

ABLV

Able View Global Inc.

AENT

ALLIANCE ENTERTAINMENT HOLDING CORP

AEO

AMERICAN EAGLE OUTFITTERS INC

AFYA

Afya Ltd

AIHS

Senmiao Technology Ltd

Put CRMT on your watchlist

Track score changes the day AMERICAS CARMART INC files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is CRMT a good stock to buy?

13F Pro's AI-powered analysis of AMERICAS CARMART INC (CRMT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Consumer Discretionary sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CRMT are available on the CRMT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CRMT?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CRMT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of AMERICAS CARMART INC's investment landscape.