America's Car-Mart Is Setting Up A Strong Foundation For Future Growth

  • CRMT's Q4 2025 results show improving revenue, margins, and credit quality, supporting the company's ongoing turnaround despite macroeconomic headwinds. Management's disciplined risk management, new loan origination system, and expanded payment infrastructure are strengthening business fundamentals and collections. The stock trades at a historically low price-to-book ratio, presenting an undervalued opportunity as book value and receivables grow.