Americas Car-Mart Inc (CRMT)vsPenske Automotive Group Inc (PAG)
CRMT
Americas Car-Mart Inc
$12.17
-7.80%
CONSUMER CYCLICAL · Cap: $99.80M
PAG
Penske Automotive Group Inc
$148.11
+1.33%
CONSUMER CYCLICAL · Cap: $9.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Penske Automotive Group Inc generates 2268% more annual revenue ($31.81B vs $1.34B). PAG leads profitability with a 2.9% profit margin vs -7.0%. CRMT appears more attractively valued with a PEG of 0.69. CRMT earns a higher WallStSmart Score of 55/100 (C-).
CRMT
Buy55
out of 100
Grade: C-
PAG
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CRMT.
Margin of Safety
-80.3%
Fair Value
$96.08
Current Price
$148.11
$52.03 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of -18.2% — below average capital efficiency
Revenue declined 12.0%
Negative free cash flow — burning cash
Expensive relative to growth rate
2.9% margin — thin
Operating margin of 3.4%
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CRMT
The strongest argument for CRMT centers on Price/Book, PEG Ratio. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bull Case : PAG
The strongest argument for PAG centers on P/E Ratio, Price/Book.
Bear Case : CRMT
The primary concerns for CRMT are Market Cap, Return on Equity, Revenue Growth.
Bear Case : PAG
The primary concerns for PAG are PEG Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.56 is elevated, increasing financial risk. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CRMT profiles as a turnaround stock while PAG is a value play — different risk/reward profiles.
CRMT carries more volatility with a beta of 1.12 — expect wider price swings.
PAG is growing revenue faster at -3.1% — sustainability is the question.
CRMT generates stronger free cash flow (-7M), providing more financial flexibility.
Bottom Line
CRMT scores higher overall (55/100 vs 51/100). 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.
Penske Automotive Group Inc
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
Penske Automotive Group, Inc., a diversified transportation services company, operates commercial and automotive truck dealerships. The company is headquartered in Bloomfield Hills, Michigan.
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