Americas Car-Mart Inc (CRMT)vsPenske Automotive Group Inc (PAG)
CRMT
Americas Car-Mart Inc
$7.73
-1.53%
CONSUMER CYCLICAL · Cap: $65.17M
PAG
Penske Automotive Group Inc
$171.02
-0.34%
CONSUMER CYCLICAL · Cap: $11.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Penske Automotive Group Inc generates 2262% more annual revenue ($31.72B vs $1.34B). PAG leads profitability with a 2.9% profit margin vs -7.0%. CRMT appears more attractively valued with a PEG of 0.69. CRMT earns a higher WallStSmart Score of 55/100 (C-).
CRMT
Buy55
out of 100
Grade: C-
PAG
Hold48
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.6%
Fair Value
$78.56
Current Price
$7.73
$70.83 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 12.0%
Expensive relative to growth rate
2.9% margin — thin
Operating margin of 3.7%
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 1.99 is elevated, increasing financial risk.
Bear Case : PAG
The primary concerns for PAG are PEG Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.62 is elevated, increasing financial risk. Thin 2.9% 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 1.17 — expect wider price swings.
PAG is growing revenue faster at -1.1% — sustainability is the question.
PAG generates stronger free cash flow (152M), providing more financial flexibility.
Bottom Line
CRMT scores higher overall (55/100 vs 48/100). Both earn "Buy" and "Hold" 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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