WallStSmart

Americas Car-Mart Inc (CRMT)vsLithia Motors Inc (LAD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lithia Motors Inc generates 2702% more annual revenue ($37.63B vs $1.34B). LAD leads profitability with a 2.2% profit margin vs -7.0%. LAD appears more attractively valued with a PEG of 0.44. LAD earns a higher WallStSmart Score of 58/100 (C).

CRMT

Buy

55

out of 100

Grade: C-

Growth: 4.7Profit: 2.5Value: 6.7Quality: 5.0

LAD

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 5.0Value: 7.3Quality: 5.3
Piotroski: 2/9Altman Z: 2.51
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CRMT.

LADSignificantly Overvalued (-45.8%)

Margin of Safety

-45.8%

Fair Value

$219.84

Current Price

$254.20

$34.36 premium

UndervaluedFair: $219.84Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRMT2 strengths · Avg: 9.0/10
Price/BookValuation
0.2x10/10

Reasonable price relative to book value

PEG RatioValuation
0.698/10

Growing faster than its price suggests

LAD3 strengths · Avg: 10.0/10
PEG RatioValuation
0.4410/10

Growing faster than its price suggests

P/E RatioValuation
7.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Areas to Watch

CRMT4 concerns · Avg: 2.3/10
Market CapQuality
$99.80M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-18.2%2/10

ROE of -18.2% — below average capital efficiency

Revenue GrowthGrowth
-12.0%2/10

Revenue declined 12.0%

Free Cash FlowQuality
$-7.44M2/10

Negative free cash flow — burning cash

LAD4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

Profit MarginProfitability
2.2%3/10

2.2% margin — thin

Operating MarginProfitability
3.9%3/10

Operating margin of 3.9%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CRMT

The strongest argument for CRMT centers on Price/Book, PEG Ratio. PEG of 0.69 suggests the stock is reasonably priced for its growth.

Bull Case : LAD

The strongest argument for LAD centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.44 suggests the stock is reasonably priced for its growth.

Bear Case : CRMT

The primary concerns for CRMT are Market Cap, Return on Equity, Revenue Growth.

Bear Case : LAD

The primary concerns for LAD are Revenue Growth, Profit Margin, Operating Margin. Thin 2.2% margins leave little buffer for downturns.

Key Dynamics to Monitor

CRMT profiles as a turnaround stock while LAD is a value play — different risk/reward profiles.

LAD carries more volatility with a beta of 1.20 — expect wider price swings.

LAD is growing revenue faster at 0.3% — sustainability is the question.

LAD generates stronger free cash flow (66M), providing more financial flexibility.

Bottom Line

LAD scores higher overall (58/100 vs 55/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Americas Car-Mart Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

America's Car-Mart, Inc., is an automotive retailer in the United States. The company is headquartered in Rogers, Arkansas.

Lithia Motors Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Lithia Motors, Inc. is an automobile retailer in the United States. The company is headquartered in Medford, Oregon.

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