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AMERICAS CARMART INC（CRMT）与BRC Group Holdings, Inc.（RILY）财务数据对比。点击上方公司名可切换其他公司
AMERICAS CARMART INC的季度营收约是BRC Group Holdings, Inc.的1.5倍（$286.3M vs $188.3M），BRC Group Holdings, Inc.净利率更高（47.9% vs -7.8%，领先55.8%），AMERICAS CARMART INC同比增速更快（0.2% vs -21.9%），过去两年AMERICAS CARMART INC的营收复合增速更高（9.1% vs -15.4%）
Americas CarMart Inc是美国专业汽车零售商，主要销售二手车，为信用记录有限或信用不佳的客户提供定制化内部融资方案，其线下门店网络集中在美国南部和中西部地区，服务购车市场中需求未被充分覆盖的消费群体。
CRMT vs RILY — 直观对比
营收规模更大
CRMT
是对方的1.5倍
$188.3M
营收增速更快
CRMT
高出22.0%
-21.9%
净利率更高
RILY
高出55.8%
-7.8%
两年增速更快
CRMT
近两年复合增速
-15.4%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $286.3M | $188.3M |
| 净利润 | $-22.5M | $90.3M |
| 毛利率 | 37.5% | 79.5% |
| 营业利润率 | -9.6% | 32.3% |
| 净利率 | -7.8% | 47.9% |
| 营收同比 | 0.2% | -21.9% |
| 净利润同比 | -540.7% | 1710.8% |
| 每股收益（稀释后） | $-2.71 | $2.78 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收CRMTRILY
| 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 |
净利润CRMTRILY
| 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 |
毛利率CRMTRILY
| 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% |
营业利润率CRMTRILY
| 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% |
净利率CRMTRILY
| 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% |
每股收益（稀释后）CRMTRILY
| 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 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $122.4M | $226.6M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $555.0M | $-171.5M |
| 总资产 | $1.7B | $1.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CRMTRILY
| 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 |
总债务CRMTRILY
| 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 | — | — |
股东权益CRMTRILY
| 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 |
总资产CRMTRILY
| 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 |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $9.1M | $26.2M |
| 自由现金流经营现金流 - 资本支出 | $8.3M | — |
| 自由现金流率自由现金流/营收 | 2.9% | — |
| 资本支出强度资本支出/营收 | 0.3% | — |
| 现金转化率经营现金流/净利润 | — | 0.29× |
| 过去12个月自由现金流最近4个季度 | $-11.2M | — |
8季度趋势，按日历期对齐
经营现金流CRMTRILY
| 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 |
自由现金流CRMTRILY
| 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 | — |
自由现金流率CRMTRILY
| 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% | — |
资本支出强度CRMTRILY
| 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% | — |
现金转化率CRMTRILY
| 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 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
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% |
