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Side-by-side financial comparison of AMERICAS CARMART INC (CRMT) and BRC Group Holdings, Inc. (RILY). Click either name above to swap in a different company.
AMERICAS CARMART INC is the larger business by last-quarter revenue ($286.3M vs $188.3M, roughly 1.5× BRC Group Holdings, Inc.). BRC Group Holdings, Inc. runs the higher net margin — 47.9% vs -7.8%, a 55.8% gap on every dollar of revenue. On growth, AMERICAS CARMART INC posted the faster year-over-year revenue change (0.2% vs -21.9%). Over the past eight quarters, AMERICAS CARMART INC's revenue compounded faster (9.1% CAGR vs -15.4%).
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 RILY — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $286.3M | $188.3M |
| Net Profit | $-22.5M | $90.3M |
| Gross Margin | 37.5% | 79.5% |
| Operating Margin | -9.6% | 32.3% |
| Net Margin | -7.8% | 47.9% |
| Revenue YoY | 0.2% | -21.9% |
| Net Profit YoY | -540.7% | 1710.8% |
| EPS (diluted) | $-2.71 | $2.78 |
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 | $188.3M | ||
| Q3 25 | $276.2M | $215.3M | ||
| Q2 25 | $309.7M | $188.2M | ||
| Q1 25 | $263.5M | $197.2M | ||
| Q4 24 | $285.8M | $241.0M | ||
| Q3 24 | $287.2M | $225.5M | ||
| Q2 24 | $309.7M | $256.0M | ||
| Q1 24 | $240.4M | $263.4M |
| Q4 25 | $-22.5M | $90.3M | ||
| Q3 25 | $-5.7M | $91.1M | ||
| Q2 25 | $10.6M | $139.5M | ||
| Q1 25 | $3.2M | $-10.0M | ||
| Q4 24 | $5.1M | $-5.6M | ||
| Q3 24 | $-964.0K | $-284.4M | ||
| Q2 24 | $426.0K | $-433.6M | ||
| Q1 24 | $-8.5M | $-49.2M |
| Q4 25 | 37.5% | 79.5% | ||
| Q3 25 | 36.6% | 83.7% | ||
| Q2 25 | 36.4% | 81.3% | ||
| Q1 25 | 35.7% | 81.4% | ||
| Q4 24 | 39.4% | 79.8% | ||
| Q3 24 | 35.0% | 82.1% | ||
| Q2 24 | 35.1% | 84.5% | ||
| Q1 24 | 34.2% | 85.3% |
| Q4 25 | -9.6% | 32.3% | ||
| Q3 25 | -2.7% | 30.4% | ||
| Q2 25 | 4.0% | 5.7% | ||
| Q1 25 | 1.7% | -31.2% | ||
| Q4 24 | 2.5% | -69.2% | ||
| Q3 24 | -0.4% | -36.4% | ||
| Q2 24 | — | -90.8% | ||
| Q1 24 | -4.3% | -6.1% |
| Q4 25 | -7.8% | 47.9% | ||
| Q3 25 | -2.1% | 42.3% | ||
| Q2 25 | 3.4% | 74.1% | ||
| Q1 25 | 1.2% | -5.1% | ||
| Q4 24 | 1.8% | -2.3% | ||
| Q3 24 | -0.3% | -126.1% | ||
| Q2 24 | 0.1% | -169.4% | ||
| Q1 24 | -3.6% | -18.7% |
| Q4 25 | $-2.71 | $2.78 | ||
| Q3 25 | $-0.69 | $2.91 | ||
| Q2 25 | $1.50 | $4.50 | ||
| Q1 25 | $0.37 | $-0.39 | ||
| Q4 24 | $0.61 | $-0.01 | ||
| Q3 24 | $-0.15 | $-9.39 | ||
| Q2 24 | $0.09 | $-14.35 | ||
| Q1 24 | $-1.34 | $-1.71 |
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 | $226.6M |
| Total DebtLower is stronger | — | $1.4B |
| Stockholders' EquityBook value | $555.0M | $-171.5M |
| Total Assets | $1.7B | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $122.4M | $226.6M | ||
| Q3 25 | $9.7M | $184.2M | ||
| Q2 25 | $9.8M | $267.4M | ||
| Q1 25 | $8.5M | $138.3M | ||
| Q4 24 | $8.0M | $146.9M | ||
| Q3 24 | $4.7M | $159.2M | ||
| Q2 24 | $5.5M | $236.9M | ||
| Q1 24 | $4.2M | $190.7M |
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $555.0M | $-171.5M | ||
| Q3 25 | $564.8M | $-260.5M | ||
| Q2 25 | $569.4M | $-351.7M | ||
| Q1 25 | $557.8M | $-496.8M | ||
| Q4 24 | $553.6M | $-488.2M | ||
| Q3 24 | $471.1M | $-497.6M | ||
| Q2 24 | $470.6M | $-218.3M | ||
| Q1 24 | $468.9M | $228.4M |
| Q4 25 | $1.7B | $1.7B | ||
| Q3 25 | $1.6B | $1.7B | ||
| Q2 25 | $1.6B | $1.5B | ||
| Q1 25 | $1.6B | $1.5B | ||
| Q4 24 | $1.6B | $1.8B | ||
| Q3 24 | $1.5B | $2.2B | ||
| Q2 24 | $1.5B | $3.2B | ||
| Q1 24 | $1.5B | $5.0B |
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 | $26.2M |
| Free Cash FlowOCF − Capex | $8.3M | — |
| FCF MarginFCF / Revenue | 2.9% | — |
| Capex IntensityCapex / Revenue | 0.3% | — |
| Cash ConversionOCF / Net Profit | — | 0.29× |
| TTM Free Cash FlowTrailing 4 quarters | $-11.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.1M | $26.2M | ||
| Q3 25 | $-5.9M | $-60.6M | ||
| Q2 25 | $19.2M | $-25.6M | ||
| Q1 25 | $-30.8M | $184.0K | ||
| Q4 24 | $-22.2M | $-2.7M | ||
| Q3 24 | $-15.0M | $19.5M | ||
| Q2 24 | $-10.7M | $111.5M | ||
| Q1 24 | $13.0M | $135.4M |
| Q4 25 | $8.3M | — | ||
| Q3 25 | $-6.4M | — | ||
| Q2 25 | $18.4M | — | ||
| Q1 25 | $-31.5M | — | ||
| Q4 24 | $-23.6M | — | ||
| Q3 24 | $-16.0M | — | ||
| Q2 24 | $-12.0M | — | ||
| Q1 24 | $10.2M | — |
| Q4 25 | 2.9% | — | ||
| Q3 25 | -2.3% | — | ||
| Q2 25 | 5.9% | — | ||
| Q1 25 | -12.0% | — | ||
| Q4 24 | -8.3% | — | ||
| Q3 24 | -5.6% | — | ||
| Q2 24 | -3.9% | — | ||
| Q1 24 | 4.3% | — |
| Q4 25 | 0.3% | — | ||
| Q3 25 | 0.2% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.5% | — | ||
| Q3 24 | 0.3% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 1.1% | — |
| Q4 25 | — | 0.29× | ||
| Q3 25 | — | -0.66× | ||
| Q2 25 | 1.81× | -0.18× | ||
| Q1 25 | -9.73× | — | ||
| Q4 24 | -4.36× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | -25.18× | — | ||
| Q1 24 | — | — |
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% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
