Financhill
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CRMT Quote, Financials, Valuation and Earnings

Last price:
$54.73
Seasonality move :
-1.67%
Day range:
$53.98 - $56.66
52-week range:
$36.40 - $72.26
Dividend yield:
0%
P/E ratio:
26.19x
P/S ratio:
0.31x
P/B ratio:
0.79x
Volume:
75.9K
Avg. volume:
123.9K
1-year change:
-17.02%
Market cap:
$453.2M
Revenue:
$1.4B
EPS (TTM):
$2.09
Period Ending 2021-04-30 2022-04-30 2023-04-30 2024-04-30 2025-04-30
Revenue $909.7M $1.2B $1.4B $1.4B $1.4B
Revenue Growth (YoY) 22.17% 30.88% 17.63% -0.47% -0.21%
 
Cost of Revenues $479.2M $658.6M $800.8M $758.5M $726.1M
Gross Profit $430.5M $531.9M $599.6M $635.3M $664.9M
Gross Profit Margin 47.33% 44.68% 42.82% 45.58% 47.8%
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $130.9M $156.1M $176.7M $179.4M $188.9M
Other Inc / (Exp) $40K -$149K -$361K -$437K -$299K
Operating Expenses $288.4M $398.2M $535.2M $609.7M $571.1M
Operating Income $142.1M $133.7M $64.5M $25.7M $93.8M
 
Net Interest Expenses $6.8M $10.9M $38.3M $65.3M $70.7M
EBT. Incl. Unusual Items $135.3M $122.6M $25.8M -$40.1M $22.8M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $30.5M $27.6M $5.4M -$8.7M $4.9M
Net Income to Company $104.8M $95M $20.4M -$31.4M $17.9M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $104.8M $95M $20.4M -$31.4M $17.9M
 
Basic EPS (Cont. Ops) $15.81 $14.59 $3.20 -$4.92 $2.38
Diluted EPS (Cont. Ops) $15.05 $13.92 $3.11 -$4.92 $2.33
Weighted Average Basic Share $6.6M $6.5M $6.4M $6.4M $7.5M
Weighted Average Diluted Share $7M $6.8M $6.6M $6.4M $7.7M
 
EBITDA $145.9M $137.6M $69.7M $32.1M $101.1M
EBIT $142.2M $133.6M $64.1M $25.2M $93.5M
 
Revenue (Reported) $909.7M $1.2B $1.4B $1.4B $1.4B
Operating Income (Reported) $142.1M $133.7M $64.5M $25.7M $93.8M
Operating Income (Adjusted) $142.2M $133.6M $64.1M $25.2M $93.5M
Period Ending 2021-04-30 2022-04-30 2023-04-30 2024-04-30 2025-04-30
Revenue $270.1M $341.2M $386.9M $364.7M $370.2M
Revenue Growth (YoY) 38.05% 26.31% 13.4% -5.76% 1.51%
 
Cost of Revenues $148.8M $191.4M $222.2M $197.9M $196.9M
Gross Profit $121.4M $149.8M $164.7M $166.8M $173.3M
Gross Profit Margin 44.93% 43.9% 42.57% 45.75% 46.81%
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $36.1M $41M $45.8M $44.5M $48.3M
Other Inc / (Exp) -$2K -$61K -$41K -$78K -$175K
Operating Expenses $63.3M $112.3M $149.6M $148.4M $143.3M
Operating Income $58M $37.5M $15.1M $18.4M $30M
 
Net Interest Expenses $1.7M $3.5M $12.9M $17.8M $17.4M
EBT. Incl. Unusual Items $56.3M $34M $2.3M $578K $12.5M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $12.1M $7.6M $165K $152K $1.8M
Net Income to Company $44.2M $26.4M $2.1M $426K $10.6M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $44.2M $26.4M $2.1M $426K $10.6M
 
Basic EPS (Cont. Ops) $6.57 $4.16 $0.33 $0.07 $1.29
Diluted EPS (Cont. Ops) $6.19 $4.01 $0.32 $0.06 $1.26
Weighted Average Basic Share $6.6M $6.4M $6.4M $6.4M $8.3M
Weighted Average Diluted Share $7M $6.7M $6.6M $6.4M $8.4M
 
EBITDA $59M $38.7M $16.7M $20.1M $31.8M
EBIT $58M $37.5M $15.1M $18.3M $29.9M
 
Revenue (Reported) $270.1M $341.2M $386.9M $364.7M $370.2M
Operating Income (Reported) $58M $37.5M $15.1M $18.4M $30M
Operating Income (Adjusted) $58M $37.5M $15.1M $18.3M $29.9M
Period Ending 2021-04-30 2022-04-30 2023-04-30 2024-04-30 2025-04-30
Revenue $909.7M $1.2B $1.4B $1.4B $1.4B
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues $479.2M $658.6M $803.3M $755.5M $726.1M
Gross Profit $430.5M $534.8M $599.6M $635.3M $664.9M
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $130.9M $156.1M $176.7M $179.4M $188.9M
Other Inc / (Exp) $40K -$149K -$359K -$437K -$299K
Operating Expenses $288.4M $402.5M $535.2M $609.7M $571.1M
Operating Income $142.1M $132.3M $64.5M $25.7M $93.8M
 
Net Interest Expenses $6.8M $10.9M $38.3M $65.3M $70.7M
EBT. Incl. Unusual Items $135.3M $121.2M $25.8M -$40.1M $22.8M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $30.5M $27.3M $5.4M -$8.7M $4.9M
Net Income to Company $104.8M $95M $20.4M -$31.4M $17.9M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $104.8M $93.9M $20.4M -$31.4M $17.9M
 
Basic EPS (Cont. Ops) $15.72 $14.48 $3.21 -$4.92 $2.14
Diluted EPS (Cont. Ops) $14.92 $13.81 $3.10 -$4.95 $2.09
Weighted Average Basic Share
Weighted Average Diluted Share
 
EBITDA $145.9M $136.2M $69.7M $32.1M $101.1M
EBIT $142.2M $132.1M $64.1M $25.2M $93.5M
 
Revenue (Reported) $909.7M $1.2B $1.4B $1.4B $1.4B
Operating Income (Reported) $142.1M $132.3M $64.5M $25.7M $93.8M
Operating Income (Adjusted) $142.2M $132.1M $64.1M $25.2M $93.5M
Period Ending 2022-04-30 2023-04-30 2024-04-30 2025-04-30 2026-04-30
Revenue $1.2B $1.4B $1.4B $1.4B --
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues $658.6M $803.3M $755.5M $726.1M --
Gross Profit $534.8M $599.6M $635.3M $664.9M --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $156.1M $176.7M $179.4M $188.9M --
Other Inc / (Exp) -$149K -$359K -$437K -$299K --
Operating Expenses $402.5M $535.2M $609.7M $571.1M --
Operating Income $132.3M $64.5M $25.7M $93.8M --
 
Net Interest Expenses $10.9M $38.3M $65.3M $70.7M --
EBT. Incl. Unusual Items $121.2M $25.8M -$40.1M $22.8M --
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $27.3M $5.4M -$8.7M $4.9M --
Net Income to Company $95M $20.4M -$31.4M $17.9M --
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $93.9M $20.4M -$31.4M $17.9M --
 
Basic EPS (Cont. Ops) $14.48 $3.21 -$4.92 $2.14 --
Diluted EPS (Cont. Ops) $13.81 $3.10 -$4.95 $2.09 --
Weighted Average Basic Share $26M $25.5M $25.6M $31.1M --
Weighted Average Diluted Share $27.3M $26.3M $25.8M $31.5M --
 
EBITDA $136.2M $69.7M $32.1M $101.1M --
EBIT $132.1M $64.1M $25.2M $93.5M --
 
Revenue (Reported) $1.2B $1.4B $1.4B $1.4B --
Operating Income (Reported) $132.3M $64.5M $25.7M $93.8M --
Operating Income (Adjusted) $132.1M $64.1M $25.2M $93.5M --
Period Ending 2021-04-30 2022-04-30 2023-04-30 2024-04-30 2025-04-30
Cash and Equivalents $2.9M $6.9M $9.8M $5.5M $9.8M
Short Term Investments -- -- -- -- --
Accounts Receivable, Net $625.1M $863.7M $1.1B $1.1B $1.2B
Inventory $82.3M $115.3M $109.3M $107.5M $112.2M
Prepaid Expenses $6.1M -- -- -- --
Other Current Assets -- $15.1M -- -- --
Total Current Assets $719.8M $1B $1.3B $1.3B $1.4B
 
Property Plant And Equipment $95.1M $104.2M $120.8M $121.5M --
Long-Term Investments -- -- -- -- --
Goodwill $7.3M $8.6M $11.7M $14.4M --
Other Intangibles -- -- -- -- --
Other Long-Term Assets -- -- $26M $31.3M --
Total Assets $822.2M $1.2B $1.4B $1.5B $1.6B
 
Accounts Payable $18.2M $20.1M $27.2M $21.4M --
Accrued Expenses $5.2M $7.6M $8.2M $10.8M --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $82.1M $164.8M $323.1M $353.8M $204.8M
 
Long-Term Debt $225.9M $396M $471.4M $553.6M --
Capital Leases -- -- -- -- --
Total Liabilities $415.3M $677.8M $915.8M $1B $1B
 
Common Stock $536K $536K $537K $537K --
Other Common Equity Adj -$257.5M -$292.2M -- -- --
Common Equity $406.4M $476.4M $498.4M $470.7M $569.5M
Total Preferred Equity -- -- -- -- --
Minority Interest, Total $100K $100K $100K $100K --
Total Equity $406.9M $476.9M $498.9M $471.2M $569.5M
 
Total Liabilities and Equity $822.2M $1.2B $1.4B $1.5B $1.6B
Cash and Short Terms $2.9M $6.9M $9.8M $5.5M $9.8M
Total Debt $227.7M $440.7M $638.6M $754.4M $204.8M
Period Ending 2021-04-30 2022-04-30 2023-04-30 2024-04-30 2025-04-30
Cash and Equivalents $2.9M $6.9M $9.8M $5.5M $9.8M
Short Term Investments -- -- -- -- --
Accounts Receivable, Net $625.1M $863.7M $1.1B $1.1B $1.2B
Inventory $82.3M $115.3M $109.3M $107.5M $112.2M
Prepaid Expenses $6.1M -- -- -- --
Other Current Assets -- $15.1M -- -- --
Total Current Assets $719.8M $1B $1.3B $1.3B $1.4B
 
Property Plant And Equipment $95.1M $104.2M $120.8M $121.5M --
Long-Term Investments -- -- -- -- --
Goodwill $7.3M $8.6M $11.7M $14.4M --
Other Intangibles -- -- -- -- --
Other Long-Term Assets -- -- $26M $31.3M --
Total Assets $822.2M $1.2B $1.4B $1.5B $1.6B
 
Accounts Payable $18.2M $20.1M $27.2M $21.4M --
Accrued Expenses $5.2M $7.6M $8.2M $10.8M --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $82.1M $164.8M $323.1M $353.8M $204.8M
 
Long-Term Debt $225.9M $396M $471.4M $553.6M --
Capital Leases -- -- -- -- --
Total Liabilities $415.3M $677.8M $915.8M $1B $1B
 
Common Stock $536K $536K $537K $537K --
Other Common Equity Adj -$257.5M -$292.2M -- -- --
Common Equity -- -- -- -- --
Total Preferred Equity -- -- -- -- --
Minority Interest, Total $100K $100K $100K $100K --
Total Equity $406.9M $476.9M $498.9M $471.2M $569.5M
 
Total Liabilities and Equity $822.2M $1.2B $1.4B $1.5B $1.6B
Cash and Short Terms $2.9M $6.9M $9.8M $5.5M $9.8M
Total Debt $227.7M $440.7M $638.6M $754.4M $204.8M
Period Ending 2021-04-30 2022-04-30 2023-04-30 2024-04-30 2025-04-30
Net Income to Stockholders $104.8M $95M $20.4M -$31.4M $17.9M
Depreciation & Amoritzation $3.7M $4M $5.6M $6.9M $7.6M
Stock-Based Compensation $6M $5.5M $5.3M $4.2M --
Change in Accounts Receivable -$392.7M -$593.6M -$727.9M -$624.9M -$605.7M
Change in Inventories $5M $51.1M $133M $139.2M $114.6M
Cash From Operations -$53.8M -$119.2M -$135.7M -$73.9M -$48.8M
 
Capital Expenditures $9M $15.8M $22.1M $6.1M $3.8M
Cash Acquisitions -- -- -- -- --
Cash From Investing -$8.3M -$17.4M -$27.6M -$10.6M -$11.4M
 
Dividends Paid (Ex Special Dividend) -$40K -$40K -$40K -$40K -$40K
Special Dividend Paid
Long-Term Debt Issued $73.3M $731.1M $924.7M $1.2B $656.5M
Long-Term Debt Repaid -$63.1M -$511M -$730M -$1B -$631.3M
Repurchase of Common Stock -$10.6M -$34.7M -$5.2M -$365K -$434K
Other Financing Activities -$282K -$6.1M -$2.3M -$5.9M -$9M
Cash From Financing $5.4M $176.2M $188.7M $111M $90.2M
 
Beginning Cash (CF) $59.6M $2.9M $42.6M $68M --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$56.7M $39.7M $25.4M $26.4M --
Ending Cash (CF) $2.9M $42.6M $68M $94.4M --
 
Levered Free Cash Flow -$62.8M -$135M -$157.8M -$80M -$52.6M
Period Ending 2021-04-30 2022-04-30 2023-04-30 2024-04-30 2025-04-30
Net Income to Stockholders $44.2M $26.4M $2.1M $426K $10.6M
Depreciation & Amoritzation $947K $1.2M $1.6M $1.8M $1.9M
Stock-Based Compensation $993K $790K $1.2M $1.3M -$3.8M
Change in Accounts Receivable -$122.8M -$168M -$193.8M -$153.9M -$165.3M
Change in Inventories $1.5M $32.2M $56.1M $35.7M $61.2M
Cash From Operations -$14.4M -$16.5M -$11.8M -$10.7M $19.2M
 
Capital Expenditures $1.9M $1.9M $3.1M $1.3M $759K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$1.9M -$2.2M -$3.2M -$1.3M -$783K
 
Dividends Paid (Ex Special Dividend) -$10K -$10K -$10K -$10K -$10K
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $61.1M $482.3M $138.9M $145.6M -$453.2M
Long-Term Debt Repaid -$46.7M -$408.9M -$121.2M -$134.5M $434.4M
Repurchase of Common Stock -$796K -$8.2M -- -$29K -$2K
Other Financing Activities -- -$4.3M -$262K -$5K -$2M
Cash From Financing $14.9M $58.6M $17.5M $11.9M -$20.3M
 
Beginning Cash (CF) $4.2M $2.6M $65.5M $94.6M $126.4M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$1.3M $40M $2.6M -$142K -$31.9M
Ending Cash (CF) $2.9M $42.6M $68M $94.4M --
 
Levered Free Cash Flow -$16.3M -$18.4M -$14.9M -$12M $18.5M
Period Ending 2021-04-30 2022-04-30 2023-04-30 2024-04-30 2025-04-30
Net Income to Stockholders $104.8M $95M $20.4M -$31.4M $17.9M
Depreciation & Amoritzation $3.7M $4M $5.6M $6.9M $7.6M
Stock-Based Compensation $6M $5.5M $5.3M $4.2M --
Change in Accounts Receivable -$392.7M -$593.6M -$727.9M -$624.9M -$605.7M
Change in Inventories $5M $51.1M $133M $139.2M $114.6M
Cash From Operations -$53.8M -$119.2M -$135.7M -$73.9M -$48.8M
 
Capital Expenditures $9M $15.8M $22.1M $6.1M $3.8M
Cash Acquisitions -- -- -- -- --
Cash From Investing -$8.3M -$17.4M -$27.6M -$10.6M -$11.4M
 
Dividends Paid (Ex Special Dividend) -$40K -$40K -$40K -$40K -$40K
Special Dividend Paid
Long-Term Debt Issued $73.3M $731.1M $924.7M $1.2B $656.5M
Long-Term Debt Repaid -$63.1M -$511M -$730M -$1B -$631.3M
Repurchase of Common Stock -$10.6M -$34.7M -$5.2M -$365K -$434K
Other Financing Activities -- -- -$2.3M -$5.9M -$9M
Cash From Financing $5.4M $176.2M $188.7M $111M $90.2M
 
Beginning Cash (CF) -- -- -- -- --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$56.7M $39.7M $25.4M $26.4M --
Ending Cash (CF) -- -- -- -- --
 
Levered Free Cash Flow -$62.8M -$135M -$157.8M -$80M -$52.6M
Period Ending 2022-04-30 2023-04-30 2024-04-30 2025-04-30 2026-04-30
Net Income to Stockholders $95M $20.4M -$31.4M $17.9M --
Depreciation & Amoritzation $4M $5.6M $6.9M $7.6M --
Stock-Based Compensation $5.5M $5.3M $4.2M -$0 --
Change in Accounts Receivable -$593.6M -$727.9M -$624.9M -$605.7M --
Change in Inventories $51.1M $133M $139.2M $114.6M --
Cash From Operations -$119.2M -$135.7M -$73.9M -$48.8M --
 
Capital Expenditures $15.8M $22.1M $6.1M $3.8M --
Cash Acquisitions -- -- -- -- --
Cash From Investing -$17.4M -$27.6M -$10.6M -$11.4M --
 
Dividends Paid (Ex Special Dividend) -$40K -$40K -$40K -$40K --
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $731.1M $924.7M $1.2B $656.5M --
Long-Term Debt Repaid -$511M -$730M -$1B -$631.3M --
Repurchase of Common Stock -$34.7M -$5.2M -$365K -$434K --
Other Financing Activities -$6.1M -$2.3M -$5.9M -$9M --
Cash From Financing $176.2M $188.7M $111M $90.2M --
 
Beginning Cash (CF) $10.3M $187M $349.3M $449.1M --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $39.7M $25.4M $26.4M -$0 --
Ending Cash (CF) $50M $212.5M $375.7M $354.7M --
 
Levered Free Cash Flow -$135M -$157.8M -$80M -$52.6M --

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