Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$1.1B
four quarters, 2025-08-01 to 2026-07-31
Revenue, TTM CRMT
FY Apr 2026
$1.3B
FY Apr 2025
$1.4B
FY Apr 2024
$1.4B
FY Apr 2023
$1.4B
FY Apr 2022
$1.2B
Jul 2026
$145.8M
Apr 2026
$302.8M
Jan 2026
$286.8M
Oct 2025
$350.2M
Jul 2025
$341.3M
Apr 2025
$370.2M
Jan 2025
$325.7M
Oct 2024
$347.3M
At each fiscal year end
Single quarter
Net margin, TTM
-18.6%
net income over revenue, 2025-08-01 to 2026-07-31
Net margin, TTM CRMT
FY Apr 2026
-10.9%
FY Apr 2025
+1.3%
FY Apr 2024
-2.3%
FY Apr 2023
+1.4%
FY Apr 2022
+7.8%
Jul 2026
-47.3%
Apr 2026
-11.3%
Jan 2026
-26.7%
Oct 2025
-6.4%
Jul 2025
-1.7%
Apr 2025
+2.9%
Jan 2025
+1.0%
Oct 2024
+1.5%
At each fiscal year end
Single quarter
Free cash flow, TTM
$149.5M
operating cash flow minus capex, 2025-08-01 to 2026-07-31
Free cash flow, TTM CRMT
FY Apr 2026
$63.1M
FY Apr 2025
-$52.7M
FY Apr 2024
-$80.0M
FY Apr 2023
-$157.8M
FY Apr 2022
-$135.0M
Jul 2026
$80.0M
Apr 2026
$67.4M
Jan 2026
-$6.2M
Oct 2025
$8.3M
Jul 2025
-$6.4M
Apr 2025
$18.4M
Jan 2025
-$31.5M
Oct 2024
-$23.6M
At each fiscal year end
Single quarter
Debt to equity
0.00x
long-term debt only, 2020-01-31 (79 months older than the period end); equity 2026-07-31
Debt to equity CRMT
FY Apr 2026
0.00x
FY Apr 2025
0.00x
FY Apr 2024
0.00x
FY Apr 2023
0.00x
FY Apr 2022
0.00x
Jul 2026
0.00x
Apr 2026
0.00x
Jan 2026
0.00x
Oct 2025
0.00x
Jul 2025
0.00x
Apr 2025
0.00x
Jan 2025
0.00x
Oct 2024
0.00x
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
1,384.83x
TTM operating cash flow over long-term debt only, 2020-01-31 (79 months older than the period end)
Cash flow to debt CRMT
FY Apr 2026
595.95x
FY Apr 2025
-447.38x
FY Apr 2024
-677.96x
FY Apr 2023
-1,245.21x
FY Apr 2022
-1,093.38x
Jul 2026
1,384.83x
Apr 2026
595.95x
Jan 2026
150.83x
Oct 2025
-77.22x
Jul 2025
-364.31x
Apr 2025
-447.38x
Jan 2025
-722.09x
Oct 2024
-320.86x
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
-43.0%
TTM net income over average of 2025-07-31 and 2026-07-31
Return on equity CRMT
FY Apr 2026
-27.4%
FY Apr 2025
+3.4%
FY Apr 2024
-6.5%
FY Apr 2023
+4.2%
FY Apr 2022
+21.5%
Jul 2026
-43.0%
Apr 2026
-27.4%
Jan 2026
-18.2%
Oct 2025
-2.6%
Jul 2025
+2.5%
Apr 2025
+3.4%
Jan 2025
+1.5%
Oct 2024
-0.8%
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
-14.4%
TTM net income over average of 2025-07-31 and 2026-07-31
Return on assets CRMT
FY Apr 2026
-9.2%
FY Apr 2025
+1.2%
FY Apr 2024
-2.2%
FY Apr 2023
+1.6%
FY Apr 2022
+9.6%
Jul 2026
-14.4%
Apr 2026
-9.2%
Jan 2026
-5.8%
Oct 2025
-0.9%
Jul 2025
+0.8%
Apr 2025
+1.2%
Jan 2025
+0.5%
Oct 2024
-0.3%
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital CRMT
FY Apr 2026
n/a
FY Apr 2025
n/a
FY Apr 2024
n/a
FY Apr 2023
n/a
FY Apr 2022
n/a
Jul 2026
n/a
Apr 2026
n/a
Jan 2026
n/a
Oct 2025
n/a
Jul 2025
n/a
Apr 2025
n/a
Jan 2025
n/a
Oct 2024
n/a
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed CRMT
FY Apr 2026
n/a
FY Apr 2025
n/a
FY Apr 2024
n/a
FY Apr 2023
n/a
FY Apr 2022
n/a
Jul 2026
n/a
Apr 2026
n/a
Jan 2026
n/a
Oct 2025
n/a
Jul 2025
n/a
Apr 2025
n/a
Jan 2025
n/a
Oct 2024
n/a
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
n/a
trailing loss, a multiple of a loss is not meaningful
P/E, trailing CRMT
FY Apr 2026
n/a
FY Apr 2025
21.36x
FY Apr 2024
n/a
FY Apr 2023
25.93x
FY Apr 2022
5.88x
Jul 2026
n/a
Apr 2026
n/a
Jan 2026
n/a
Oct 2025
n/a
Jul 2025
26.81x
Apr 2025
21.36x
Jan 2025
54.10x
Oct 2024
n/a
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
-$20.9M
market value at close 2026-10-26 on 2026-09-09 shares, plus long-term debt only, 2020-01-31 (79 months older than the period end), minus cash 2026-07-31
Enterprise value CRMT
FY Apr 2026
$54.5M
FY Apr 2025
$382.1M
FY Apr 2024
$360.5M
FY Apr 2023
$502.4M
FY Apr 2022
$513.8M
Jul 2026
-$858.8K
Apr 2026
$54.5M
Jan 2026
$95.5M
Oct 2025
$61.9M
Jul 2025
$363.3M
Apr 2025
$382.1M
Jan 2025
$393.4M
Oct 2024
$241.8M
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+2,299%
TTM free cash flow over market value at close 2026-10-26
FCF yield CRMT
FY Apr 2026
+62.3%
FY Apr 2025
-13.4%
FY Apr 2024
-21.9%
FY Apr 2023
-30.8%
FY Apr 2022
-25.9%
Jul 2026
+562.8%
Apr 2026
+62.3%
Jan 2026
+6.6%
Oct 2025
-6.1%
Jul 2025
-11.6%
Apr 2025
-13.4%
Jan 2025
-20.7%
Oct 2024
-16.5%
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
n/a
trailing loss, a multiple of a loss is not meaningful
PEG, trailing CRMT
FY Apr 2026
n/a
FY Apr 2025
n/a
FY Apr 2024
n/a
FY Apr 2023
n/a
FY Apr 2022
n/a
Jul 2026
n/a
Apr 2026
n/a
Jan 2026
n/a
Oct 2025
n/a
Jul 2025
n/a
Apr 2025
n/a
Jan 2025
n/a
Oct 2024
n/a
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
CRMT ranks highest on financial health (95th percentile) and risk and compliance (35th), and lowest on growth (18th), among Wholesale & Retail peers.
Profitability
18
Inputs
Return on equity-43.0% · 14 pct, sector of 206
Return on assets-14.4% · 21 pct, sector of 257
Return on invested capitalfewer than four consecutive quarters of operating income
Return on capital employedfewer than four consecutive quarters of operating income
Financial health
95
Inputs
Debt to equity0.00x · 91 pct, sector of 222
Cash flow to debt1384.83x · 100 pct, sector of 210
Growth
18
Inputs
Revenue growth, YoY-10.3% · 18 pct, sector of 311
Backlog growth, YoYno backlog line filed, or no year-earlier backlog
Risk and compliance
35
Inputs
Short interest, % of float+39.5% · 2 pct, sector of 317
Recalls per $1B revenue, 3ynot measured for this sector, almost no peer has an event
EPA cases per $1B revenue, 5y0.00 per $1B · 100 pct, sector of 242
New text in Risk Factors, latest 10-K+51.9% · 4 pct, sector of 226
3 not measured: Insider conviction, Institutional and government, US patents
Insider conviction needs 1 of 2 inputs, 0 present: no Form 4 purchase or sale (code P or S) in 180 days; no insider trades in 180 days
Institutional and government needs 1 of 4 inputs, 0 present: fewer than five funds report holding it; no Congress trades in 365 days; no federal contracts in 180 days; no lobbying filings in the last four quarters
US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet
4 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
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