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America's Car-Mart Balance Sheet 2026-2009 | CRMT
Brief balance sheet overview of America's Car-Mart
The comparison uses five available annual reports from the 2020–2024 interval.
Assets reached $1.5 billion, compared with $667.3 million at the beginning. Growth of +121.4% and CAGR near 22% show active expansion.
Liabilities expanded faster than the asset base, +176.4% versus +121.4%. Debt-service capacity deserves attention.
Equity finances 31.9% of the balance sheet, compared with 45.4% at the start. The cushion remains adequate.
The cash share moved from 8.9% to 0.4%. A higher figure generally provides more room in an adverse scenario.
Accumulated earnings ended at $654.4 million, a change of +42%. They remain an important part of the capital base.
Overall assessment
America's Car-Mart's financial structure is not clear-cut. Asset scale alone does not resolve questions about how those assets are funded.
Annual Balance Sheet America's Car-Mart
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | - | 219 M | 152 M | 150 M | 118 M | 107 M | 103 M | 97.8 M | 101 M | 77.8 M | 47.3 M | - | - |
Long Term Debt |
- | - | - | - | - | - | 215 M | 152 M | 151 M | 118 M | 108 M | 103 M | 97 M | 99.6 M | 77.9 M | 47.5 M | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 342 M | 211 M | 207 M | 173 M | 160 M | 154 M | 135 M | 142 M | 78.3 M | 61.3 M | - | - |
Total Liabilities |
971 M | 1.04 B | 1.01 B | 916 M | 678 M | 415 M | 364 M | 232 M | 225 M | 191 M | 177 M | 171 M | 150 M | 156 M | 126 M | 89.4 M | - | - |
Deferred Revenue |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 13.8 M | 11.9 M | - | - |
Retained Earnings |
533 M | 672 M | 654 M | 686 M | 665 M | 565 M | 461 M | 410 M | 362 M | 326 M | 305 M | 294 M | 264 M | 243 M | 211 M | 178 M | - | - |
Total Assets |
1.42 B | 1.61 B | 1.48 B | 1.41 B | 1.15 B | 822 M | 667 M | 493 M | 456 M | 424 M | 406 M | 400 M | 363 M | 358 M | 311 M | 276 M | - | - |
Cash and Cash Equivalents |
47 M | 9.81 M | 5.52 M | 9.8 M | 6.92 M | 2.89 M | 59.6 M | 1.75 M | 1.02 M | 434 K | 602 K | 790 K | 289 K | 272 K | 276 K | 223 K | 268 K | 168 K |
Book Value |
446 M | 570 M | 471 M | 499 M | 477 M | 407 M | 303 M | 261 M | 231 M | 233 M | 229 M | 230 M | 213 M | 203 M | 184 M | 187 M | - | - |
Total Shareholders Equity |
446 M | 569 M | 471 M | 498 M | 476 M | 412 M | 303 M | 260 M | 230 M | 233 M | 229 M | 229 M | 213 M | 202 M | 184 M | 187 M | 176 M | 157 M |
All numbers in USD currency
Quarterly Balance Sheet America's Car-Mart
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 109 K | - | - | - | - | 137 K | 166 K | 194 K | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
1.15 B | 1.16 B | 1.04 B | 1.15 B | 1.05 B | 1.04 B | 1.04 B | - | 1.02 B | 1.06 B | 1.01 B | 998 M | 1.01 B | 1 B | 916 M | 594 M | - | 767 M | 676 M | 378 M | 539 M | 478 M | 415 M | 306 M | 372 M | 373 M | 364 M | 247 M | 297 M | 275 M | 232 M | 221 M | 243 M | 234 M | 225 M | 195 M | 217 M | 200 M | 191 M | 195 M | 200 M | 197 M | 177 M | 183 M | 173 M | 179 M | 170 M | 172 M | 171 M | 161 M | 150 M | 167 M | 160 M | 158 M | 156 M | 130 M | 142 M | 136 M | 126 M | - | 122 M | 103 M | 89 M |
Retained Earnings |
567 M | 644 M | 667 M | 567 M | 662 M | 667 M | 672 M | - | 658 M | 653 M | 654 M | 654 M | 663 M | 690 M | 686 M | 632 M | - | 671 M | 658 M | 521 M | 613 M | 590 M | 565 M | 452 M | 502 M | 480 M | 461 M | 395 M | 439 M | 425 M | 410 M | 352 M | 384 M | 373 M | 362 M | 320 M | 338 M | 333 M | 326 M | 302 M | 317 M | 312 M | 305 M | 287 M | 298 M | 298 M | 294 M | 258 M | 279 M | 272 M | 264 M | 234 M | 257 M | 251 M | 243 M | 202 M | 227 M | 219 M | 211 M | - | 194 M | 186 M | 178 M |
Total Assets |
1.63 B | 1.72 B | 1.61 B | 1.63 B | 1.61 B | 1.61 B | 1.61 B | - | 1.58 B | 1.53 B | 1.48 B | 1.47 B | 1.49 B | 1.5 B | 1.41 B | 1.04 B | - | 1.25 B | 1.15 B | 742 M | 977 M | 901 M | 822 M | 598 M | 716 M | 699 M | 667 M | 494 M | 575 M | 549 M | 493 M | 456 M | 487 M | 473 M | 456 M | 435 M | 444 M | 438 M | 424 M | 424 M | 435 M | 427 M | 406 M | 410 M | 404 M | 412 M | 400 M | 383 M | 392 M | 380 M | 363 M | 360 M | 376 M | 369 M | 358 M | 315 M | 330 M | 321 M | 311 M | - | 301 M | 288 M | 276 M |
Cash and Cash Equivalents |
118 M | 122 M | 9.67 M | 118 M | 8.53 M | 9.67 M | 9.81 M | - | 8.01 M | 4.75 M | 5.52 M | 4.24 M | 4.31 M | 6.31 M | 9.8 M | 2.6 M | - | 4.36 M | 6.92 M | 4.16 M | 2.12 M | 2.72 M | 2.89 M | 2.08 M | 19.5 M | 50.6 M | 59.6 M | 1.62 M | 2.47 M | 1.64 M | 1.75 M | 534 K | 679 K | 679 K | 841 K | 254 K | 358 K | 358 K | 501 K | 590 K | 170 K | 170 K | 371 K | 1.56 M | 1.39 M | 1.39 M | 735 K | 256 K | 257 K | 257 K | 309 K | 865 K | 341 K | 341 K | 288 K | 409 K | 400 K | 400 K | 199 K | 427 K | 330 K | 330 K | 219 K |
Book Value |
480 M | 556 M | 565 M | 480 M | 558 M | 565 M | 570 M | - | 554 M | 472 M | 471 M | 469 M | 477 M | 505 M | 499 M | 451 M | - | 481 M | 470 M | 364 M | 438 M | 422 M | 407 M | 292 M | 344 M | 326 M | 303 M | 246 M | 279 M | 273 M | 261 M | 235 M | 245 M | 238 M | 231 M | 240 M | 227 M | 238 M | 233 M | 229 M | 235 M | 230 M | 229 M | 227 M | 231 M | 233 M | 230 M | 211 M | 220 M | 219 M | 213 M | 193 M | 217 M | 211 M | 203 M | 184 M | 188 M | 184 M | 185 M | - | 179 M | 185 M | 187 M |
Total Shareholders Equity |
479 M | 555 M | 565 M | 479 M | 558 M | 565 M | 569 M | 558 M | 554 M | 471 M | 471 M | 469 M | 477 M | 505 M | 498 M | 450 M | 492 M | 488 M | 469 M | 363 M | 437 M | 422 M | 406 M | 292 M | 344 M | 326 M | 303 M | 246 M | 278 M | 273 M | 260 M | 235 M | 244 M | 238 M | 230 M | 239 M | 227 M | 237 M | 233 M | 229 M | 235 M | 229 M | 229 M | 226 M | 231 M | 232 M | 229 M | 210 M | 220 M | 218 M | 213 M | 193 M | 216 M | 210 M | 202 M | 184 M | 187 M | 184 M | 184 M | - | 178 M | 185 M | 187 M |
All numbers in USD currency
Balance Sheet is a fundamental financial report of America's Car-Mart, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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