Americas Car-Mart Inc (CRMT)vsCarMax Inc (KMX)
CRMT
Americas Car-Mart Inc
$7.73
-1.53%
CONSUMER CYCLICAL · Cap: $65.17M
KMX
CarMax Inc
$47.15
+0.49%
CONSUMER CYCLICAL · Cap: $7.27B
Smart Verdict
WallStSmart Research — data-driven comparison
CarMax Inc generates 1967% more annual revenue ($27.76B vs $1.34B). KMX leads profitability with a 0.9% profit margin vs -7.0%. KMX appears more attractively valued with a PEG of 0.53. CRMT earns a higher WallStSmart Score of 55/100 (C-).
CRMT
Buy55
out of 100
Grade: C-
KMX
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.6%
Fair Value
$78.56
Current Price
$7.73
$70.83 discount
Intrinsic value data unavailable for KMX.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 1835.0% YoY
Growing faster than its price suggests
Reasonable price relative to book value
Growing faster than its price suggests
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
ROE of -19.7% — below average capital efficiency
Revenue declined 12.0%
Premium valuation, high expectations priced in
Distress zone — elevated risk
ROE of 4.2% — below average capital efficiency
0.9% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : CRMT
The strongest argument for CRMT centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bull Case : KMX
The strongest argument for KMX centers on Price/Book, PEG Ratio. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : CRMT
The primary concerns for CRMT are Market Cap, Debt/Equity, Return on Equity. Debt-to-equity of 1.99 is elevated, increasing financial risk.
Bear Case : KMX
The primary concerns for KMX are P/E Ratio, Altman Z-Score, Return on Equity. Thin 0.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CRMT profiles as a turnaround stock while KMX is a value play — different risk/reward profiles.
KMX carries more volatility with a beta of 1.20 — expect wider price swings.
KMX is growing revenue faster at -1.2% — sustainability is the question.
CRMT generates stronger free cash flow (-7M), providing more financial flexibility.
Bottom Line
CRMT scores higher overall (55/100 vs 49/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Americas Car-Mart Inc
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
America's Car-Mart, Inc., is an automotive retailer in the United States. The company is headquartered in Rogers, Arkansas.
CarMax Inc
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
CarMax is a used vehicle retailer based in the United States. It operates two business segments: CarMax Sales Operations and CarMax Auto Finance.
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