Americas Car-Mart Inc (CRMT)vsPenske Automotive Group Inc (PAG)
CRMT
Americas Car-Mart Inc
$1.90
+19.50%
CONSUMER CYCLICAL · Cap: $15.84M
PAG
Penske Automotive Group Inc
$215.91
-0.32%
CONSUMER CYCLICAL · Cap: $14.43B
Smart Verdict
WallStSmart Research — data-driven comparison
Penske Automotive Group Inc generates 2881% more annual revenue ($32.20B vs $1.08B). PAG leads profitability with a 2.8% profit margin vs -18.7%. CRMT appears more attractively valued with a PEG of 0.69. CRMT earns a higher WallStSmart Score of 53/100 (C-).
CRMT
Buy53
out of 100
Grade: C-
PAG
Buy52
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.3%
Fair Value
$60.79
Current Price
$1.90
$58.89 discount
Intrinsic value data unavailable for PAG.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 1835.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
ROE of -19.7% — below average capital efficiency
Revenue declined 57.6%
Expensive relative to growth rate
2.8% margin — thin
Operating margin of 4.0%
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CRMT
The strongest argument for CRMT centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bull Case : PAG
The strongest argument for PAG centers on P/E Ratio, Price/Book.
Bear Case : CRMT
The primary concerns for CRMT are Market Cap, Debt/Equity, Return on Equity. Debt-to-equity of 1.78 is elevated, increasing financial risk.
Bear Case : PAG
The primary concerns for PAG are PEG Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.59 is elevated, increasing financial risk. Thin 2.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
CRMT profiles as a turnaround stock while PAG is a value play — different risk/reward profiles.
CRMT carries more volatility with a beta of 1.27 — expect wider price swings.
PAG is growing revenue faster at 6.0% — sustainability is the question.
PAG generates stronger free cash flow (132M), providing more financial flexibility.
Bottom Line
CRMT scores higher overall (53/100 vs 52/100). 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.
Penske Automotive Group Inc
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
Penske Automotive Group, Inc., a diversified transportation services company, operates commercial and automotive truck dealerships. The company is headquartered in Bloomfield Hills, Michigan.
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