America's Car-Mart Inc/TX (CRMT)
NASDAQConsumer DiscretionaryAuto - DealershipsSnapshot 2026-11-05
$1.52+20.63%
Close 2026-11-05 · 1-day change
NASDAQConsumer DiscretionaryAuto - DealershipsSnapshot 2026-11-05
QuarterlyIQ Insights · CRMT
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
No current thesis-health read is available for this company.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -83.3% |
| Our one-year growth estimate | diamond | 6.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 90.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Elevated risk of a next-quarter earnings miss: this name has erratic recent earnings surprises and is a smaller-cap name (higher miss base rate). A fundamental tilt, not a price call.
Model as of 2026-11-05 · Compared with 12 industry peers
CRMT — credit agreement
Dated 2026-11-05
Entry into a Material Definitive Agreement. As disclosed in its Current Report on Form 8-K filed on June 25, 2026 (the “June 25th Current Report”), and other recent Current Reports on Form 8-K, America's Car-Mart, Inc. (the "Company") entered into the First Amendment and Limited Waiver to Credit and Guaranty Agreement (the "First Amendment") with Silver Point Finance, LLC, as Administrative Agent and Collateral Agent (the "Agent"), and the lenders party thereto (collectively, the "Lenders"),…
Why it matters: Cash available for operations fell from $47.0 million in April to $27.5 million in July. Further cash loss could limit day-to-day funding.
Worry ifThe next report shows unrestricted cash below $27.5 million.
Less concerning ifThe next report shows unrestricted cash at or above $27.5 million.
Why it matters: CRMT says it needs new financing or another deal to restore lending capacity. Without it, inventory and sales stay constrained.
Supportive ifA filing or company release names a signed funding or strategic deal. Its terms provide new funding.
Worry ifThe company reports no deal. Or it says it cannot get financing on acceptable terms.
Why it matters: Lenders gave CRMT extra time, but the company must meet set terms. A missed deadline or covenant breach could worsen its funding limits.
Worry ifA filing reports a missed amendment deadline, a covenant breach, or a new waiver tied to a missed term.
Less concerning ifA filing confirms the company met the amendment terms and still follows them, with no new waiver.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$515 on $10,000 · ±5.1% | How much price usually moves either way. |
| Bad day | $1,767 loss on $10,000 · 17.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $9,766 loss on $10,000 · 97.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.