Stock fact sheet · data as of
America's Car-Mart, Inc. (CRMT): fair value, margin of safety and Wheel Score
Consumer Cyclical · Auto - Dealerships · United States · Speculative / Distressed
Is CRMT undervalued?
CRMT has a margin of safety of 100%: the stock closed at 1.35 on 16 Oct 2026 against a GLS average fair value of 434.55. 1 of the 1 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
Only 1 of the nine models produced a value (10 Cap); the others need a dividend, positive free cash flow or positive book value the company does not have yet, so the average rests on a narrow base.
The nightly engine files CRMT under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for CRMT
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 434.55 | +32089% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | 40.37 | +2890% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 57.33 | +4147% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: CRMT passes 3 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is low at 1.4 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC -11.4%, ROE -31.2%, ROA -9.8% - with debt at 1.73 times equity and a free-cash-flow yield of 1327.4%.
America's Car-Mart, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Sales Used Autos 51%, Wholesales Third Party 23%, Service Contract Sales 18% (quarter Q1 FY2027).
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | -11.4% |
|---|---|---|---|
| GLS Moat | 1.4 / 10 | ROE | -31.2% |
| Debt / equity | 1.73 | ROA | -9.8% |
| Free-cash-flow yield | 1327.4% | Payout ratio | -0% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 39: No options
CRMT has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 202k shares a day on a market cap of $11M, with a beta of 1.34 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score gives that 7 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 100% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 2 / 15 | moat 1.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 7 / 20 | 202k shares/day, $11M cap, beta 1.34 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 10 Dec 2026, 55 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Auto - Dealerships
The 12 companies below are the closest to America's Car-Mart, Inc. by market cap within the Auto - Dealerships industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SDA SunCar Technology Group Inc. | 0.3800 | 1.67 | +77% | 39No options | $21M |
| AZI Autozi Internet Technology (Global) Ltd. | 1.08 | - | - | 33No options | $5M |
| NXB NextBoat Inc. | 1.97 | - | - | 19No options | $50M |
| JZXN Jiuzi Holdings, Inc. | 1.12 | - | - | 31No options | $2M |
| UXIN Uxin Limited | 1.03 | - | - | 29No options | $226M |
| CWH Camping World Holdings, Inc. | 4.57 | 53.37 | +91% | 45Weak | $292M |
| ACVA ACV Auctions Inc. | 10.50 | 1.82 | -478% | 45Weak | $1.8B |
| SAH Sonic Automotive, Inc. | 60.05 | 80.57 | +25% | 74Good | $1.9B |
| DRVN Driven Brands Holdings Inc. | 11.96 | 20.91 | +43% | 78Good | $2.0B |
| BGSI Boyd Group Services Inc. | 81.65 | 64.45 | -27% | 29No options | $2.3B |
| GPI Group 1 Automotive, Inc. | 239.80 | 323.14 | +26% | 77Good | $2.9B |
| KXIN Kaixin Auto Holdings | 1.57 | - | - | 25No options | $44K |
⚖ Compare CRMT with 7 of them All Consumer Cyclical stocks →
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Start free See the Sunday ScanQuestions about CRMT
Is CRMT undervalued right now?
By the GLS models, yes: at 1.35 the stock is 100% below the average fair value of 434.55 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CRMT and what does it mean?
CRMT has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CRMT?
434.55 per share as of 16 Oct 2026 - the simple average of the 1 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does America's Car-Mart, Inc. report earnings next?
The next earnings report is due on 10 Dec 2026 (before the open), 55 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does CRMT have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CRMT, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.