America's Car-Mart, Inc. (CRMT) Fair Value 2026

CRMT · Auto & Truck Dealerships ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.5 /10

32 fundamental signals · 2 models active

Value Trap Risk

LOW (39/100)

Quick Summary — As of 2026-08-28, America's Car-Mart, Inc. (CRMT) trades at $2.38, versus a $6.45 median fair value across its 2 active models — 171.1% above the current price. QOC: 6.5/10. Value Trap Risk: 39/100 (LOW). 2/13 models active. Within that set, the Bayesian DCF component alone returns $2.71.

Key Facts

Ticker
CRMT
Price
$2.38
Quality Score
6.5/10
Value Trap Risk
39/100
Models Active
2/13
Last Updated
Strength: Earnings Power Value suggests +328.3% upside with 76% confidence
Risk: Limited model coverage (2/13) may reduce confidence

Is America's Car-Mart, Inc. (CRMT) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, America's Car-Mart, Inc. (CRMT) appears undervalued as of : the median of 2 independent fair value estimates is $6.45, 171.1% above the current price of $2.38. Estimates range from $2.71 to $10.19. CRMT scores 6.5/10 on fundamental quality and 39/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. CRMT’s +171.1% gap is wider than that market norm, and the Auto & Truck Dealerships sector median is -3.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy America's Car-Mart, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CRMT?

2 Intrinsic Value Models vs. Current Price ($2.38)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
$2.71 +13.8%
Intrinsic · High Conviction
$10.19 +328.3%

All Models Active

All 2 models are displayed above.

What Is America's Car-Mart, Inc. (CRMT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, America's Car-Mart, Inc.'s intrinsic value is estimated at a median fair value of $6.45. At a current market price of $2.38, 2 of 2 active valuation models identify upside potential, projecting a median implied return of +171.1%. Notably, EPV sees the most upside at +328.3% (fair value: $10.19), while Bayesian DCF is the most conservative at +13.8% ($2.71). The spread between these extremes — +314.6% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bullish — adding weight to the bullish side of the thesis.

What Do the Models Say About CRMT?

2 of 13 models are currently active for CRMT. All 2 active models suggest the stock trades below fair value. Taken together, their median fair value for CRMT is $6.45 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $2.71 on its own, implying +13.8% upside from the current price. See which stocks rank higher →

How Does CRMT Rank in Auto & Truck Dealerships?

Among 24 Auto & Truck Dealerships stocks, CRMT ranks #14 by Quality of Company score. CirclFi's QOC score of 6.5/10 evaluates 32 fundamental signals. A score of 6.5 indicates above-average quality.

The Auto & Truck Dealerships sector introduces analytical considerations specific to vehicle manufacturer businesses. For America's Car-Mart, Inc., metrics like warranty cost ratio provide important context that general-purpose valuation models may underweight.

Is CRMT a Value Trap?

CirclFi's Value Trap algorithm assigns CRMT a score of 39/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for America's Car-Mart, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, America's Car-Mart, Inc. scores 6.5 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +314.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CRMT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CRMT's 2 active models, average confidence is 72%. High confidence suggests strong data fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy America's Car-Mart, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Auto & Truck Dealerships Stocks Should You Also Analyze?

10 related Auto & Truck Dealerships stocks with 13-model coverage

Read investment analysis: KMX · NXB · DRVN · ACVA · BGSI · UCAR · RDNW · OPLN · LAD · CARG

Which Other Stocks Have a Similar Quality Score to CRMT?

7 companies across all industries closest to CRMT’s Quality of Company score of 6.5/10.

Read investment analysis: FBIO · PLAY · ARDX · ABIT · FLR · RXRX · NVDA

What Else Do Investors Ask About America's Car-Mart, Inc.’s Valuation?

What is America's Car-Mart, Inc.'s intrinsic value in 2026?

CirclFi puts America's Car-Mart, Inc. (CRMT)'s intrinsic value at $6.45 — the median of 2 independent model estimates as of 2026-08-28, ranging from $2.71 to $10.19. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $2.71 on its own. The Quality of Company score is 6.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CRMT overvalued or undervalued right now?

At $2.38, 2 of 2 active models suggest CRMT may be undervalued, while 0 indicate potential overvaluation. The median of all 2 fair value estimates is $6.45, 171.1% above the current price of $2.38 — a consensus view that CRMT is undervalued. The assessment depends on which methodology best fits America's Car-Mart, Inc.'s business model in Auto & Truck Dealerships.

What does a Quality of Company score of 6.5 mean for CRMT?

America's Car-Mart, Inc.'s QOC of 6.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on CRMT?

CirclFi analyzes CRMT with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is CRMT a value trap in 2026?

America's Car-Mart, Inc.'s Value Trap score is 39/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, America's Car-Mart, Inc. (CRMT) has a median fair value of $6.45 — 171.1% above the current price of $2.38 — as of 2026-08-28.” Source: circlfi.com/stock/CRMT/ · Methodology
Primary sources for this CRMT valuation
  • Financial statements: America's Car-Mart, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000799850) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CRMT as of ; valuations recomputed .