Added to YB: 2025-10-22
Pitch date: 2025-10-18
CRMT [bullish]
America's Car-Mart, Inc.
+3.92%
current return
Author Info
No bio for this author
Company Info
America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer for the used car market in the United States.
Market Cap
$212.0M
Pitch Price
$25.00
Price Target
80.00 (+208%)
Dividend
N/A
EV/EBITDA
15.80
P/E
-14.20
EV/Sales
0.71
Sector
Specialty Retail
Category
turnaround
America’s Car-Mart (CRMT): Undervalued Subprime Lender Poised for a Rebound as Funding Constraints Ease and Credit Quality Strengthens
CRMT: Subprime auto lender trading at $25 vs $80 target after temporary loss from inventory funding constraints & tech expenses. Credit quality improving with 6.6% charge-offs, new LOS V2 scorecard boosting FICO scores. Digital payments cut SG&A 5% (~$10M). Competitors ACC/Tricolor exited, boosting application volume. Needs new credit facility to capitalize on competitive vacuum & grow quality loan book.
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