Stock Ratings / Consumer Discretionary / CRMT

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America's Car-Mart Inc (CRMT) — RQD Stock Rating Cockpit

$1.06 +22.25% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

America's Car-Mart Inc (CRMT) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $8.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+1.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CRMT)Realized 20D OHLCV Swing Band: ±12.5%

RSI-14 MOMENTUMNEUTRAL RANGE

45.730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

3 / 99-Pt Accounting

52-WEEK LASER RANGE2% OF RANGE

L: $1$1.06H: $29

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (35% profit margin and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D+RQD 21 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on CRMT

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (80)

14.0% ROIC with 35.4% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (60)

21/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like CRMT

✓Strong cash generator (35% profit margin)—profits are backed by real money, not accounting tricks.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CRMT Tape Review)

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CRMT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -91.32%▲ RESISTANCE BREAKOUT

2026-10-30O $1.10H $1.15L $1.00C $1.06VOL 183.8K

RES: $0.87SUP: $0.51SMA50: $1.50SMA200: $9.23

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CRMT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CRMT Butterfly Map → + Track CRMT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. -10.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CRMT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CRMT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CRMT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CRMT)

Consumer Discretionary Rank #365 of 1011 ⚔️ NXXT vs CRMT Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (CRMT vs. NXXT, VRM, JZXN, KXIN)

Industry: Retail-Auto Dealers and Gas Stations (20 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, America's Car-Mart Inc (CRMT) ranks #365 by composite RQD confidence (62/100, grade C) and #939 by equity capitalization ($8.8M). Within this direct 5-issuer industry benchmark cohort, CRMT leads on earnings valuation at N/A trailing P/E, while NXXT leads on capital efficiency and profitability with -35.0% ROIC and 8.4% gross margin. CRMT currently leads its immediate peer cohort in composite quantitative strength at 62/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CRMT ACTIVE America's Car-Mart Inc	C	62/100	—	35.4%	—	+22.25%	$8.8M	Benchmark Subject
NXXT NextNRG Inc.	D-	37/100	—	8.4%	-35.0%	-14.48%	$5.3M	/nxxt-vs-crmt →
VRM Vroom Inc.	D	46/100	—	—	-35.0%	-6.18%	$41.3M	/vrm-vs-crmt →
JZXN Jiuzi Holdings Inc.	D	49/100	—	0.7%	—	+10.58%	$59.2M	/jzxn-vs-crmt →
KXIN Kaixin Holdings	D-	43/100	—	96.0%	-35.0%	+7.73%	$94.6M	/kxin-vs-crmt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-04-30 • CIK 0000799850

In its most recent audited fiscal period (FY2025, filed 2026-04-30), America's Car-Mart Inc (CRMT) reported GAAP revenue of $1.03B (-10.3% vs. FY2024 revenue of $1.15B , and -11.5% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $65.0M, and free cash flow of $63.1M (+219.9% YoY). On the balance sheet, CRMT closed FY2025 with $1.63B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-04-30	$1.03B	$0	$65.0M	$63.1M	$1.63B	—
FY2024 (FY)	2025-04-30	$1.15B	$0	-$48.8M	-$52.7M	$1.61B	—
FY2023 (FY)	2024-04-30	$1.16B	$0	-$73.9M	-$73.9M	—	—

3. CRMT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CRMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, America's Car-Mart Inc (NASDAQ: CRMT) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $1.06 (+22.25% 1D, market cap $8.8M). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 7/20. Across 1011 tracked Consumer Discretionary issuers, CRMT ranks #365 in composite RQD confidence.

How does CRMT compare to NXXT and VRM in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Retail-Auto Dealers and Gas Stations), CRMT carries a Roarable C (62/100 RQD), trailing P/E of N/A, gross margin of 35.4%, and ROIC of —. By comparison, NXXT (NextNRG Inc.) holds a D- grade (37/100 RQD, P/E N/A, ROIC -35.0%, cap $5.3M) and VRM (Vroom Inc.) posts a D grade (46/100 RQD, P/E N/A, ROIC -35.0%, cap $41.3M). Among the 5-stock peer group, CRMT leads on earnings multiple (N/A) while NXXT leads on capital efficiency (-35.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CRMT?

Per CRMT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-04-30, CIK 0000799850), America's Car-Mart Inc generated $1.03B in revenue (-10.3% YoY), $0 in net income, and $63.1M in free cash flow against $1.63B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (35% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CRMT trading relative to its 50-day, 200-day, and 52-week technical levels?

CRMT last traded at $1.06 (+22.25% on volume of 1,320,372 shares), positioning the stock -29.33% below its 50-day simple moving average ($1.50) and -88.52% below its 200-day simple moving average ($9.23). Across its 52-week range of $0.57 to $28.70, CRMT sits at the 1.7% percentile with a 14-day RSI of 45.7 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $1.19).

CRMT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CRMT stock right now?

America's Car-Mart Inc (CRMT) currently earns a Roarable Rating of C (Hold — HOLD) with 62/100 RQD Confidence. Solid 35% profit margin (35% profit margin), mixed timing at current multiples—hold if owned, no rush to chase.

What is CRMT's 12-month price target and RQD AI Jury consensus?

CRMT's 12-month base price target is $1.08 (range $0.84 to $30.14), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CRMT RQD Cockpit CRMT 12M Forecast CRMT Earnings & Move CRMT Dividends & DRIP CRMT Insiders & 13F CRMT Whale Options CRMT Profit Sankey CRMT News & Why