Americas Car-Mart Inc (CRMT)vsLithia Motors Inc (LAD)
CRMT
Americas Car-Mart Inc
$1.90
+19.50%
CONSUMER CYCLICAL · Cap: $15.84M
LAD
Lithia Motors Inc
$358.02
-2.22%
CONSUMER CYCLICAL · Cap: $8.11B
Smart Verdict
WallStSmart Research — data-driven comparison
Lithia Motors Inc generates 3412% more annual revenue ($37.94B vs $1.08B). LAD leads profitability with a 1.9% profit margin vs -18.7%. CRMT appears more attractively valued with a PEG of 0.69. LAD earns a higher WallStSmart Score of 61/100 (C+).
CRMT
Buy53
out of 100
Grade: C-
LAD
Buy61
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
Margin of Safety
+12.0%
Fair Value
$364.07
Current Price
$358.02
$6.05 discount
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
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
ROE of -19.7% — below average capital efficiency
Revenue declined 57.6%
2.2% revenue growth
1.9% margin — thin
Operating margin of 4.6%
Weak financial health signals
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 : LAD
The strongest argument for LAD centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.72 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 : LAD
The primary concerns for LAD are Revenue Growth, Profit Margin, Operating Margin. Debt-to-equity of 2.58 is elevated, increasing financial risk. Thin 1.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CRMT profiles as a turnaround stock while LAD is a value play — different risk/reward profiles.
CRMT carries more volatility with a beta of 1.27 — expect wider price swings.
LAD is growing revenue faster at 2.2% — sustainability is the question.
CRMT generates stronger free cash flow (80M), providing more financial flexibility.
Bottom Line
LAD scores higher overall (61/100 vs 53/100). CRMT offers better value entry with a 63.3% margin of safety. 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.
Lithia Motors Inc
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
Lithia Motors, Inc. is an automobile retailer in the United States. The company is headquartered in Medford, Oregon.
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