$12.47
▲ +$0.33
(+2.72%)
Vol 127K
10
Quality Score
ok
Deep Check
1/5
fail
Rev ✗
NI ✓
>IPO ✗
Mkt Cap
$209.5M
ROE
-2.6%
Margin
-1.0%
D/E
161.49
Beta
1.19
52W
$18–$63
Wall Street Consensus
9 analysts · Apr 20263
Strong Buy
3
Buy
3
Hold
0
Sell
0
Strong Sell
66.7%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 25.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Mar 2026 | $-0.28 | $-1.53 | $-1.25 |
| Dec 2025 | $-0.50 | $-0.79 | $-0.29 |
| Sep 2025 | $0.91 | $-0.69 | $-1.60 |
| Jun 2025 | $0.97 | $1.26 | +$0.29 |
Quarterly Revenue & Earnings
| Quarter | 2025-0… | 2025-0… | 2025-0… | 2025-1… | 2026-0… |
|---|---|---|---|---|---|
| Revenue | $325.7M | $370.2M | $341.3M | $350.2M | $286.8M |
| Net Income | $3.2M | $10.6M | -$5.7M | -$22.5M | -$76.7M |
Fundamentals Trend
| Metric | 2025-07-31 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 2.3% | 1.5% | 2.3% | 2.3% | 2.3% | -2.6% |
| P/E (TTM) | 29.25 | 20.89 | 18.29 | 13.99 | 13.34 | — |
| Net Margin | -1.7% | 1.3% | 0.9% | 0.9% | 0.9% | -1.0% |
| Gross Margin | 48.7% | 47.8% | 48.4% | 48.4% | 48.4% | 48.1% |
| D/E Ratio | 138.46 | 142.64 | 138.46 | 138.46 | 138.46 | 161.49 |
| Current Ratio | 1.29 | 1.56 | 1.29 | 1.29 | 1.29 | 2.10 |
Key Ratios
ROA (TTM)
-0.9%
P/S (TTM)
0.15
P/B
0.7
EPS (TTM)
$-1.61
CF/Share
$2.59
Rev Growth 3Y
+5.2%
52W High
$62.72
52W Low
$17.78
$17.78
52-Week Range
$62.72
Financial Health
Free Cash Flow
-$6.2M
Net Debt
$834.3M
Cash
$117.9M
Total Debt
$952.2M
As of Jan 31, 2026
How does CRMT compare to Retail peers?
Peer group: Micro-cap Retail (All) · 106 companies
CRMT valuation vs Retail peers
P/E ratio
—
▼
0%
below
peers
(24.2)
vs Peers
vs Industry
Fair value
P/S ratio
0.2
▼
70%
below
peers
(0.5)
vs Peers
vs Industry
Undervalued
P/B ratio
0.7
▼
61%
below
peers
(1.8)
vs Peers
vs Industry
Undervalued
Div yield
—
▼
0%
below
peers
(1.7%)
vs Peers
vs Industry
Low yield
CRMT profitability vs Retail peers
ROE
-2.6%
▲
17%
above
peers
(-3.1%)
vs Peers
vs Industry
Below avg
Net margin
-1.0%
▲
0%
above
peers
(-1.0%)
vs Peers
vs Industry
In line
Gross margin
48.1%
▲
36%
above
peers
(35.4%)
vs Peers
vs Industry
Top tier
ROA
-0.9%
▲
47%
above
peers
(-1.7%)
vs Peers
vs Industry
Below avg
CRMT financial health vs Retail peers
D/E ratio
161.5
▲
361%
above
peers
(35.1)
vs Peers
vs Industry
High debt
Current ratio
2.1
▲
56%
above
peers
(1.4)
vs Peers
vs Industry
Strong liquidity
Beta
1.2
▲
12%
above
peers
(1.1)
vs Peers
vs Industry
Less volatile
CRMT fundamentals radar
CRMT
Peer median
Industry
CRMT profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CRMT vs peers: key metrics
Top Holders
Top 5: 38.9%Magnolia Group, LLC
15.18%
$16.4M
Nantahala Capital Managemen…
7.77%
$8.4M
Blackrock Inc.
7.07%
$7.7M
Vanguard Group Inc
5.43%
$5.9M
Kize Capital, LP
3.45%
$3.7M
As of Dec 31, 2025
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