Americas Car-Mart Inc (CRMT)vsCarMax Inc (KMX)
CRMT
Americas Car-Mart Inc
$1.90
+19.50%
CONSUMER CYCLICAL · Cap: $15.84M
KMX
CarMax Inc
$61.32
+1.32%
CONSUMER CYCLICAL · Cap: $8.60B
Smart Verdict
WallStSmart Research — data-driven comparison
CarMax Inc generates 2511% more annual revenue ($28.20B vs $1.08B). KMX leads profitability with a 0.8% profit margin vs -18.7%. KMX appears more attractively valued with a PEG of 0.61. KMX earns a higher WallStSmart Score of 53/100 (C-).
CRMT
Buy53
out of 100
Grade: C-
KMX
Buy53
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.3%
Fair Value
$60.79
Current Price
$1.90
$58.89 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 57.6%
Premium valuation, high expectations priced in
Distress zone — elevated risk
ROE of 4.2% — below average capital efficiency
0.8% 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 0.61 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 1.78 is elevated, increasing financial risk.
Bear Case : KMX
The primary concerns for KMX are P/E Ratio, Altman Z-Score, Return on Equity. Debt-to-equity of 3.05 is elevated, increasing financial risk. Thin 0.8% 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.
CRMT carries more volatility with a beta of 1.27 — expect wider price swings.
KMX is growing revenue faster at 5.5% — sustainability is the question.
CRMT generates stronger free cash flow (80M), providing more financial flexibility.
Bottom Line
CRMT scores higher overall (53/100 vs 53/100). Both earn "Buy" and "Buy" 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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