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Side-by-side financial comparison of AMERICAS CARMART INC (CRMT) and CSW INDUSTRIALS, INC. (CSW). Click either name above to swap in a different company.
AMERICAS CARMART INC is the larger business by last-quarter revenue ($286.3M vs $233.0M, roughly 1.2× CSW INDUSTRIALS, INC.). CSW INDUSTRIALS, INC. runs the higher net margin — 4.4% vs -7.8%, a 12.3% gap on every dollar of revenue. On growth, CSW INDUSTRIALS, INC. posted the faster year-over-year revenue change (20.3% vs 0.2%). CSW INDUSTRIALS, INC. produced more free cash flow last quarter ($22.7M vs $8.3M). Over the past eight quarters, AMERICAS CARMART INC's revenue compounded faster (9.1% CAGR vs 5.1%).
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.
CRMT vs CSW — Head-to-Head
Income Statement — Q2 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $286.3M | $233.0M |
| Net Profit | $-22.5M | $10.3M |
| Gross Margin | 37.5% | 39.7% |
| Operating Margin | -9.6% | 7.4% |
| Net Margin | -7.8% | 4.4% |
| Revenue YoY | 0.2% | 20.3% |
| Net Profit YoY | -540.7% | -61.9% |
| EPS (diluted) | $-2.71 | $0.62 |
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 | $233.0M | ||
| Q3 25 | $276.2M | $277.0M | ||
| Q2 25 | $309.7M | $263.6M | ||
| Q1 25 | $263.5M | $230.5M | ||
| Q4 24 | $285.8M | $193.6M | ||
| Q3 24 | $287.2M | $227.9M | ||
| Q2 24 | $309.7M | $226.2M | ||
| Q1 24 | $240.4M | $210.9M |
| Q4 25 | $-22.5M | $10.3M | ||
| Q3 25 | $-5.7M | $40.7M | ||
| Q2 25 | $10.6M | $40.9M | ||
| Q1 25 | $3.2M | $35.1M | ||
| Q4 24 | $5.1M | $26.9M | ||
| Q3 24 | $-964.0K | $36.1M | ||
| Q2 24 | $426.0K | $38.6M | ||
| Q1 24 | $-8.5M | $31.8M |
| Q4 25 | 37.5% | 39.7% | ||
| Q3 25 | 36.6% | 43.0% | ||
| Q2 25 | 36.4% | 43.8% | ||
| Q1 25 | 35.7% | 44.2% | ||
| Q4 24 | 39.4% | 41.4% | ||
| Q3 24 | 35.0% | 45.6% | ||
| Q2 24 | 35.1% | 47.5% | ||
| Q1 24 | 34.2% | 44.4% |
| Q4 25 | -9.6% | 7.4% | ||
| Q3 25 | -2.7% | 20.5% | ||
| Q2 25 | 4.0% | 20.8% | ||
| Q1 25 | 1.7% | 19.5% | ||
| Q4 24 | 2.5% | 15.3% | ||
| Q3 24 | -0.4% | 22.6% | ||
| Q2 24 | — | 24.3% | ||
| Q1 24 | -4.3% | 21.0% |
| Q4 25 | -7.8% | 4.4% | ||
| Q3 25 | -2.1% | 14.7% | ||
| Q2 25 | 3.4% | 15.5% | ||
| Q1 25 | 1.2% | 15.2% | ||
| Q4 24 | 1.8% | 13.9% | ||
| Q3 24 | -0.3% | 15.8% | ||
| Q2 24 | 0.1% | 17.1% | ||
| Q1 24 | -3.6% | 15.1% |
| Q4 25 | $-2.71 | $0.62 | ||
| Q3 25 | $-0.69 | $2.41 | ||
| Q2 25 | $1.50 | $2.43 | ||
| Q1 25 | $0.37 | $2.05 | ||
| Q4 24 | $0.61 | $1.60 | ||
| Q3 24 | $-0.15 | $2.26 | ||
| Q2 24 | $0.09 | $2.47 | ||
| Q1 24 | $-1.34 | $2.03 |
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 | $40.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $555.0M | $1.1B |
| Total Assets | $1.7B | $2.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $122.4M | $40.2M | ||
| Q3 25 | $9.7M | $31.5M | ||
| Q2 25 | $9.8M | $38.0M | ||
| Q1 25 | $8.5M | $225.8M | ||
| Q4 24 | $8.0M | $213.8M | ||
| Q3 24 | $4.7M | $273.2M | ||
| Q2 24 | $5.5M | $18.9M | ||
| Q1 24 | $4.2M | $22.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $800.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $166.0M |
| Q4 25 | $555.0M | $1.1B | ||
| Q3 25 | $564.8M | $1.1B | ||
| Q2 25 | $569.4M | $1.1B | ||
| Q1 25 | $557.8M | $1.1B | ||
| Q4 24 | $553.6M | $1.0B | ||
| Q3 24 | $471.1M | $1.0B | ||
| Q2 24 | $470.6M | $650.2M | ||
| Q1 24 | $468.9M | $615.7M |
| Q4 25 | $1.7B | $2.3B | ||
| Q3 25 | $1.6B | $1.5B | ||
| Q2 25 | $1.6B | $1.5B | ||
| Q1 25 | $1.6B | $1.4B | ||
| Q4 24 | $1.6B | $1.4B | ||
| Q3 24 | $1.5B | $1.4B | ||
| Q2 24 | $1.5B | $1.1B | ||
| Q1 24 | $1.5B | $1.0B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.75× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.27× |
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 | $28.9M |
| Free Cash FlowOCF − Capex | $8.3M | $22.7M |
| FCF MarginFCF / Revenue | 2.9% | 9.8% |
| Capex IntensityCapex / Revenue | 0.3% | 2.6% |
| Cash ConversionOCF / Net Profit | — | 2.81× |
| TTM Free Cash FlowTrailing 4 quarters | $-11.2M | $162.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.1M | $28.9M | ||
| Q3 25 | $-5.9M | $61.8M | ||
| Q2 25 | $19.2M | $60.6M | ||
| Q1 25 | $-30.8M | $27.3M | ||
| Q4 24 | $-22.2M | $11.6M | ||
| Q3 24 | $-15.0M | $66.8M | ||
| Q2 24 | $-10.7M | $62.7M | ||
| Q1 24 | $13.0M | $22.4M |
| Q4 25 | $8.3M | $22.7M | ||
| Q3 25 | $-6.4M | $58.7M | ||
| Q2 25 | $18.4M | $57.7M | ||
| Q1 25 | $-31.5M | $22.8M | ||
| Q4 24 | $-23.6M | $8.5M | ||
| Q3 24 | $-16.0M | $61.3M | ||
| Q2 24 | $-12.0M | $59.6M | ||
| Q1 24 | $10.2M | $17.5M |
| Q4 25 | 2.9% | 9.8% | ||
| Q3 25 | -2.3% | 21.2% | ||
| Q2 25 | 5.9% | 21.9% | ||
| Q1 25 | -12.0% | 9.9% | ||
| Q4 24 | -8.3% | 4.4% | ||
| Q3 24 | -5.6% | 26.9% | ||
| Q2 24 | -3.9% | 26.3% | ||
| Q1 24 | 4.3% | 8.3% |
| Q4 25 | 0.3% | 2.6% | ||
| Q3 25 | 0.2% | 1.1% | ||
| Q2 25 | 0.3% | 1.1% | ||
| Q1 25 | 0.3% | 2.0% | ||
| Q4 24 | 0.5% | 1.6% | ||
| Q3 24 | 0.3% | 2.4% | ||
| Q2 24 | 0.4% | 1.4% | ||
| Q1 24 | 1.1% | 2.3% |
| Q4 25 | — | 2.81× | ||
| Q3 25 | — | 1.52× | ||
| Q2 25 | 1.81× | 1.48× | ||
| Q1 25 | -9.73× | 0.78× | ||
| Q4 24 | -4.36× | 0.43× | ||
| Q3 24 | — | 1.85× | ||
| Q2 24 | -25.18× | 1.62× | ||
| Q1 24 | — | 0.71× |
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% |
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
