Is AMERICAS CARMART INC (CRMT) Halal?
Shariah Screening — 5 Standards
Based on financial data from April 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 556.1% / 30% | 6.5% / 30% | 781.8% / 30% | 0.02% / 5% | ✗ NOT HALAL |
| DJIM | 556.1% / 33% | 6.5% / 33% | 781.8% / 33% | 0.02% / 5% | ✗ NOT HALAL |
| MSCI | 52.6% / 33% | 0.6% / 33% | 74.0% / 33% | 0.02% / 5% | ✗ NOT HALAL |
| S&P | 556.1% / 33% | 6.5% / 33% | 781.8% / 33% | 0.02% / 5% | ✗ NOT HALAL |
| FTSE | 52.6% / 33% | 0.6% / 33% | 74.0% / 50% | 0.02% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 44.9% | |
| Operating Margin | -4.2% | |
| Net Margin | -7.0% | |
| Return on Equity (ROE) | -18.2% | |
| Return on Assets (ROA) | 0.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$49M |
| Free Cash Flow | -$53M |
| Total Debt | $845M |
| Debt-to-Equity | 198.4 |
| Current Ratio | 25.0 |
| Total Assets | $1.6B |
Price & Trading
| Last Close | $12.69 |
| 50-Day MA | $20.67 |
| 200-Day MA | $31.96 |
| Avg Volume | 130K |
| Beta | 1.1 |
|
52-Week Range
$11.04
| |
About AMERICAS CARMART INC (CRMT)
America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer for the used car market in the United States. It sells older model used vehicles and provides financing for its customers. The company was founded in 1981 and is headquartered in Rogers, Arkansas.
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Frequently Asked Questions
Is AMERICAS CARMART INC (CRMT) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), AMERICAS CARMART INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is AMERICAS CARMART INC's debt ratio?
AMERICAS CARMART INC's debt ratio is 556.1% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 52.6%.
What are AMERICAS CARMART INC's key financial metrics?
AMERICAS CARMART INC has a market capitalization of $108M, and revenue of $1.4B. The company maintains a gross margin of 44.9% and a net margin of -7.0%. Return on equity stands at -18.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.