Revenue (FY 2025)
↓-0.2% YoY
$1.39B
3-Yr CAGR: 9.5%
Net Income
↑156.9% YoY
$17.89M
Net Margin: 1.3%
Free Cash Flow
↑34.2% YoY
-$52.65M
FCF Yield: -286.86%
EPS (Diluted)
↑147.4% YoY
$2.33
Basic: $2.38
Return on Equity
Efficiency
3.1%
ROA: 1.1%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CRMT)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Div / Sh | Div Yield | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $567.9M | — | $201.6M | $11.6M | — | $1.33 | — | $0.00 | 0.01% | $14.3M | $9.8M | — |
| FY 2017 | $587.8M | +3.5% | $215.2M | $20.2M | +74.2% | $2.49 | +87.2% | $0.00 | 0.01% | $7.3M | $5.7M | -41.1% |
| FY 2018 | $612.2M | +4.2% | $222.3M | $36.5M | +80.7% | $4.90 | +96.8% | $0.01 | 0.01% | $10.0M | $7.7M | +34.6% |
| FY 2019 | $586.5M | -4.2% | $242.6M | $47.6M | +30.4% | $6.73 | +37.3% | $0.01 | 0.01% | $24.9M | $20.9M | +169.8% |
| FY 2020 | $653.0M | +11.3% | $264.5M | $51.3M | +7.8% | $7.39 | +9.8% | $0.01 | 0.01% | $20.9M | $15.5M | -25.8% |
| FY 2021 | $808.1M | +23.7% | $328.9M | $104.1M | +102.8% | $14.95 | +102.3% | $0.01 | 0.01% | $-53.8M | $-62.8M | -505.1% |
| FY 2022 | $1,060.5M | +31.2% | $396.9M | $93.3M | -10.4% | $13.67 | -8.6% | $0.01 | 0.01% | $-114.3M | $-135.2M | -115.4% |
| FY 2023 | $1,209.3M | +14.0% | $403.4M | $20.4M | -78.1% | $3.11 | -77.2% | $0.01 | 0.01% | $-135.7M | $-157.8M | -16.7% |
| FY 2024 | $1,393.9M | +15.3% | $635.3M | $-31.4M | -254.1% | $-4.92 | -258.2% | $0.01 | 0.01% | $-73.9M | $-80.0M | +49.3% |
| FY 2025 | $1,390.9M | -0.2% | $664.9M | $17.9M | +156.9% | $2.33 | +147.4% | $0.01 | 0.02% | $-48.8M | $-52.7M | +34.2% |
Valuation
Market Price
$2.26
Market Cap
$18.36M
Enterprise Value
$8.55M
P/E Ratio
0.97
P/B Ratio
0.03
FCF Yield
-286.86%
Dividend Yield
0.23%
Shares Outstanding
Profitability & Margins
Gross Margin
47.80%
Operating Margin
1.64%
Net Margin
1.29%
Return on Equity (ROE)
3.14%
Return on Assets (ROA)
1.11%
Asset Turnover
0.87x
Revenue 3-Yr CAGR
9.46%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.000
Debt / Assets
0.000
Cash & Equivalents
$9.81M
Total Debt
N/A
Book Value / Share
$68.56
Cash Flow Efficiency
Operating Cash Flow
-$48.76M
Capital Expenditures (CapEx)
$3.89M
Free Cash Flow
-$52.65M
OCF / Revenue
-3.51%
FCF / Revenue
-3.79%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
$2.33
EPS (Basic)
$2.38
Dividends / Share
$0.01
Book Value / Share
$68.56
EPS YoY Growth
147.36%
Balance Sheet (FY 2025)
Total Assets
$1.61B
Total Liabilities
$1.04B
Stockholders' Equity
$569.42M
Current Assets
N/A
Current Liabilities
N/A