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Side-by-side financial comparison of AMERICAS CARMART INC (CRMT) and CSG SYSTEMS INTERNATIONAL INC (CSGS). Click either name above to swap in a different company.
CSG SYSTEMS INTERNATIONAL INC is the larger business by last-quarter revenue ($323.1M vs $286.3M, roughly 1.1× AMERICAS CARMART INC). CSG SYSTEMS INTERNATIONAL INC runs the higher net margin — 2.2% vs -7.8%, a 10.0% gap on every dollar of revenue. On growth, CSG SYSTEMS INTERNATIONAL INC posted the faster year-over-year revenue change (2.0% vs 0.2%). CSG SYSTEMS INTERNATIONAL INC produced more free cash flow last quarter ($55.8M vs $8.3M). Over the past eight quarters, AMERICAS CARMART INC's revenue compounded faster (9.1% CAGR vs 4.6%).
Americas CarMart Inc is a US-based specialty automotive retailer that primarily sells used vehicles and provides tailored in-house financing solutions for customers with limited or poor credit histories. It operates a network of physical dealerships concentrated in the Southern and Midwestern regions of the United States, serving underserved consumer segments in the automotive purchase market.
CSG Holding Limited, formerly China Southern Glass Holding Limited, is the largest architectural glass manufacturer in China. It is involved in manufacturing and selling glass products, such as float glass, architectural glass, display glass, automotive glass, coated glass, mirrors, color filter glass, solar glass and conservation glass.
CRMT vs CSGS — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $286.3M | $323.1M |
| Net Profit | $-22.5M | $7.0M |
| Gross Margin | 37.5% | 50.0% |
| Operating Margin | -9.6% | 9.0% |
| Net Margin | -7.8% | 2.2% |
| Revenue YoY | 0.2% | 2.0% |
| Net Profit YoY | -540.7% | -79.7% |
| EPS (diluted) | $-2.71 | $0.24 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $286.3M | $323.1M | ||
| Q3 25 | $276.2M | $303.6M | ||
| Q2 25 | $309.7M | $297.1M | ||
| Q1 25 | $263.5M | $299.5M | ||
| Q4 24 | $285.8M | $316.7M | ||
| Q3 24 | $287.2M | $295.1M | ||
| Q2 24 | $309.7M | $290.3M | ||
| Q1 24 | $240.4M | $295.1M |
| Q4 25 | $-22.5M | $7.0M | ||
| Q3 25 | $-5.7M | $20.5M | ||
| Q2 25 | $10.6M | $12.3M | ||
| Q1 25 | $3.2M | $16.1M | ||
| Q4 24 | $5.1M | $34.5M | ||
| Q3 24 | $-964.0K | $19.1M | ||
| Q2 24 | $426.0K | $13.8M | ||
| Q1 24 | $-8.5M | $19.5M |
| Q4 25 | 37.5% | 50.0% | ||
| Q3 25 | 36.6% | 48.1% | ||
| Q2 25 | 36.4% | 49.5% | ||
| Q1 25 | 35.7% | 48.4% | ||
| Q4 24 | 39.4% | 51.3% | ||
| Q3 24 | 35.0% | 49.4% | ||
| Q2 24 | 35.1% | 47.3% | ||
| Q1 24 | 34.2% | 46.5% |
| Q4 25 | -9.6% | 9.0% | ||
| Q3 25 | -2.7% | 10.0% | ||
| Q2 25 | 4.0% | 10.0% | ||
| Q1 25 | 1.7% | 9.8% | ||
| Q4 24 | 2.5% | 13.4% | ||
| Q3 24 | -0.4% | 10.8% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | -4.3% | 10.8% |
| Q4 25 | -7.8% | 2.2% | ||
| Q3 25 | -2.1% | 6.7% | ||
| Q2 25 | 3.4% | 4.1% | ||
| Q1 25 | 1.2% | 5.4% | ||
| Q4 24 | 1.8% | 10.9% | ||
| Q3 24 | -0.3% | 6.5% | ||
| Q2 24 | 0.1% | 4.8% | ||
| Q1 24 | -3.6% | 6.6% |
| Q4 25 | $-2.71 | $0.24 | ||
| Q3 25 | $-0.69 | $0.73 | ||
| Q2 25 | $1.50 | $0.44 | ||
| Q1 25 | $0.37 | $0.57 | ||
| Q4 24 | $0.61 | $1.20 | ||
| Q3 24 | $-0.15 | $0.67 | ||
| Q2 24 | $0.09 | $0.48 | ||
| Q1 24 | $-1.34 | $0.68 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $122.4M | $180.0M |
| Total DebtLower is stronger | — | $539.5M |
| Stockholders' EquityBook value | $555.0M | $283.7M |
| Total Assets | $1.7B | $1.5B |
| Debt / EquityLower = less leverage | — | 1.90× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $122.4M | $180.0M | ||
| Q3 25 | $9.7M | $158.4M | ||
| Q2 25 | $9.8M | $145.9M | ||
| Q1 25 | $8.5M | $136.0M | ||
| Q4 24 | $8.0M | $161.8M | ||
| Q3 24 | $4.7M | $118.4M | ||
| Q2 24 | $5.5M | $110.4M | ||
| Q1 24 | $4.2M | $120.8M |
| Q4 25 | — | $539.5M | ||
| Q3 25 | — | $538.6M | ||
| Q2 25 | — | $537.8M | ||
| Q1 25 | — | $537.6M | ||
| Q4 24 | — | $538.5M | ||
| Q3 24 | — | $539.5M | ||
| Q2 24 | — | $540.5M | ||
| Q1 24 | — | $541.5M |
| Q4 25 | $555.0M | $283.7M | ||
| Q3 25 | $564.8M | $289.5M | ||
| Q2 25 | $569.4M | $290.7M | ||
| Q1 25 | $557.8M | $283.1M | ||
| Q4 24 | $553.6M | $282.6M | ||
| Q3 24 | $471.1M | $288.4M | ||
| Q2 24 | $470.6M | $273.3M | ||
| Q1 24 | $468.9M | $269.3M |
| Q4 25 | $1.7B | $1.5B | ||
| Q3 25 | $1.6B | $1.5B | ||
| Q2 25 | $1.6B | $1.4B | ||
| Q1 25 | $1.6B | $1.4B | ||
| Q4 24 | $1.6B | $1.5B | ||
| Q3 24 | $1.5B | $1.4B | ||
| Q2 24 | $1.5B | $1.4B | ||
| Q1 24 | $1.5B | $1.3B |
| Q4 25 | — | 1.90× | ||
| Q3 25 | — | 1.86× | ||
| Q2 25 | — | 1.85× | ||
| Q1 25 | — | 1.90× | ||
| Q4 24 | — | 1.91× | ||
| Q3 24 | — | 1.87× | ||
| Q2 24 | — | 1.98× | ||
| Q1 24 | — | 2.01× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $9.1M | $59.2M |
| Free Cash FlowOCF − Capex | $8.3M | $55.8M |
| FCF MarginFCF / Revenue | 2.9% | 17.3% |
| Capex IntensityCapex / Revenue | 0.3% | 1.1% |
| Cash ConversionOCF / Net Profit | — | 8.46× |
| TTM Free Cash FlowTrailing 4 quarters | $-11.2M | $141.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.1M | $59.2M | ||
| Q3 25 | $-5.9M | $47.9M | ||
| Q2 25 | $19.2M | $37.3M | ||
| Q1 25 | $-30.8M | $11.5M | ||
| Q4 24 | $-22.2M | $82.5M | ||
| Q3 24 | $-15.0M | $39.5M | ||
| Q2 24 | $-10.7M | $43.1M | ||
| Q1 24 | $13.0M | $-29.4M |
| Q4 25 | $8.3M | $55.8M | ||
| Q3 25 | $-6.4M | $43.9M | ||
| Q2 25 | $18.4M | $34.6M | ||
| Q1 25 | $-31.5M | $7.1M | ||
| Q4 24 | $-23.6M | $76.6M | ||
| Q3 24 | $-16.0M | $32.0M | ||
| Q2 24 | $-12.0M | $38.8M | ||
| Q1 24 | $10.2M | $-34.1M |
| Q4 25 | 2.9% | 17.3% | ||
| Q3 25 | -2.3% | 14.5% | ||
| Q2 25 | 5.9% | 11.6% | ||
| Q1 25 | -12.0% | 2.4% | ||
| Q4 24 | -8.3% | 24.2% | ||
| Q3 24 | -5.6% | 10.8% | ||
| Q2 24 | -3.9% | 13.4% | ||
| Q1 24 | 4.3% | -11.6% |
| Q4 25 | 0.3% | 1.1% | ||
| Q3 25 | 0.2% | 1.3% | ||
| Q2 25 | 0.3% | 0.9% | ||
| Q1 25 | 0.3% | 1.5% | ||
| Q4 24 | 0.5% | 1.9% | ||
| Q3 24 | 0.3% | 2.5% | ||
| Q2 24 | 0.4% | 1.5% | ||
| Q1 24 | 1.1% | 1.6% |
| Q4 25 | — | 8.46× | ||
| Q3 25 | — | 2.34× | ||
| Q2 25 | 1.81× | 3.04× | ||
| Q1 25 | -9.73× | 0.71× | ||
| Q4 24 | -4.36× | 2.39× | ||
| Q3 24 | — | 2.07× | ||
| Q2 24 | -25.18× | 3.12× | ||
| Q1 24 | — | -1.51× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CRMT
| Sales Used Autos | $241.4M | 84% |
| Service Contract Sales | $23.6M | 8% |
| Wholesales Third Party | $12.6M | 4% |
| Payment Protection Plan Revenue | $8.7M | 3% |
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
