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Institutional accumulation: ownership increased +1.76% quarter-over-quarter.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Ranked against 496 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| AMZN | $2.93T | — | — | — | — | — | — | 20.5% | 16.2% | — | 5,764 |
| TSLA | $1.21T | 297.7× | 127.6× | 12.7× | -2.9% | 18.0% | 4.0% | 4.6% | 4.2% | 0.9× | 4,029 |
| PDD | $517.8B | 38.5× | 37.5× | 8.4× | -84.3% | 56.3% | 22.7% | 23.7% | 23.7% | — | 548 |
| HD | $351.7B | 24.8× | 16.4× | 2.1× | 3.2% | 33.3% | 8.6% | 111% | 22.8% | 2.0× | 3,970 |
| TOYOF | $242.7B | — | — | — | — | — | — | — | — | — | 4 |
| TJX | $177.0B | 32.8× | — | 2.9× | 7.1% | 31.0% | 9.1% | 53.9% | 45.6% | — | 2,608 |
| LOW | $123.4B | 18.6× | 13.1× | 1.4× | 3.1% | 33.5% | 7.7% | -67.1% | 22.3% | 3.2× | 2,591 |
| SBUX | $120.5B | 65.0× | 28.7× | 3.2× | 2.8% | — | 5.0% | -22.9% | 28.7% | 3.1× | 2,252 |
| MELI | $97.5B | 48.8× | — | 3.4× | 39.1% | 44.5% | 6.9% | 29.6% | 12.5% | — | 1,380 |
| MAR | $96.1B | 38.0× | 22.3× | 3.7× | 4.3% | — | 9.9% | -69.0% | -69.4% | 0.0× | 1,559 |
| LKNCY | $94.1B | 183.4× | 99.1× | 13.4× | -79.6% | — | 7.3% | 23.0% | 23.0% | 0.0× | 9 |
| ABNB | $93.5B | — | 33.9× | 7.6× | 10.3% | 83.0% | 20.5% | 30.6% | 30.6% | 0.0× | 1,246 |
| RCL | $88.7B | 21.0× | — | 5.0× | 8.8% | 49.4% | 23.8% | 42.5% | 12.3% | — | 1,114 |
| ROST | $81.6B | 38.3× | 24.3× | 3.6× | 7.7% | 27.7% | 9.4% | 34.7% | 29.8% | 0.3× | 1,276 |
| GM | $80.6B | 27.3× | 4.0× | 0.4× | -1.3% | — | 1.5% | 4.5% | 4.5% | — | 1,447 |
| ORLY | $78.7B | 31.5× | 21.3× | 4.4× | 6.4% | 51.6% | 14.3% | -333% | 48.3% | 1.5× | 1,569 |
| HLT | $74.8B | 53.0× | 25.7× | 6.2× | 7.7% | — | 12.1% | -27.0% | -27.0% | — | 1,126 |
| RACE | $71.5B | — | — | — | — | — | — | — | — | — | 690 |
| SE | $70.4B | 45.6× | 28.1× | 3.1× | 36.4% | 44.7% | 6.9% | 12.6% | 12.6% | — | 718 |
| NKE | $63.0B | 20.2× | — | 1.4× | 0.2% | 42.9% | 6.7% | 20.9% | 14.9% | — | 1,848 |
| AZO | $51.4B | 21.1× | 14.2× | 2.7× | 2.4% | 52.6% | 13.2% | -73.2% | 46.4% | 2.1× | 1,245 |
| EBAY | $49.9B | 25.6× | 18.1× | 4.5× | 7.9% | 71.5% | 18.3% | 45.3% | 38.8% | 0.3× | 1,182 |
| VIK | $48.3B | — | — | — | — | — | — | — | — | — | 479 |
| CMG | $46.1B | 30.3× | 19.9× | 3.9× | 5.4% | — | 12.9% | 54.3% | 54.3% | 0.0× | 1,203 |
| DHI | $44.6B | 13.1× | — | 1.3× | -6.9% | 23.7% | 10.5% | 14.8% | 14.8% | — | 1,092 |
| CRMT | $28M | — | — | 0.0× | -7.9% | 48.2% | -10.9% | -31.2% | -31.2% | — | 93 |
Peers = companies sharing CRMT's sector (Consumer Cyclical) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: -31%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest expense isn't separately reported — often netted into “other income (expense), net.” Interest last disclosed in FY2024 (no longer broken out).
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-08-05 · 15d old
How a revenue dollar becomes profit — FY2026
Each value shows its share of revenue below it (common-size).
| Line Item | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.28B 100.0% | $1.39B 100.0% | $1.39B 100.0% | $1.40B 100.0% | $1.19B 100.0% | $909.7M 100.0% | $744.6M 100.0% | $669.1M 100.0% | $612.2M 100.0% | $587.8M 100.0% |
| Cost of Revenue | $664.0M 51.8% | $726.1M 52.2% | $758.5M 54.4% | $800.8M 57.2% | $658.6M 55.3% | $479.2M 52.7% | $388.5M 52.2% | $343.9M 51.4% | $315.3M 51.5% | $304.9M 51.9% |
| Gross Profit | — | — | — | — | — | — | $264.5M 35.5% | $242.6M 36.3% | $222.3M 36.3% | $215.2M 36.6% |
| Selling, General & Admin | $208.1M 16.2% | $188.9M 13.6% | $179.4M 12.9% | $176.7M 12.6% | $156.1M 13.1% | $130.9M 14.4% | $117.8M 15.8% | $107.2M 16.0% | $99.0M 16.2% | $91.9M 15.6% |
| Total Operating Expenses | $1.39B 108.4% | $1.37B 98.4% | $1.43B 102.9% | $1.37B 98.2% | $1.07B 89.7% | $774.3M 85.1% | $680.3M 91.4% | $609.3M 91.1% | $573.3M 93.6% | $555.5M 94.5% |
| Interest Expense | — | — | $65.3M 4.7% | $38.3M 2.7% | $10.9M 0.9% | $6.8M 0.7% | $8.1M 1.1% | $7.9M 1.2% | $5.6M 0.9% | $4.1M 0.7% |
| Pretax Income | -$108.0M -8.4% | $22.8M 1.6% | -$40.1M -2.9% | $25.8M 1.8% | — | — | — | — | — | — |
| Income Tax Expense | $31.1M 2.4% | $4.9M 0.4% | -$8.7M -0.6% | $5.4M 0.4% | $27.6M 2.3% | $30.5M 3.4% | $13.0M 1.7% | $12.2M 1.8% | $2.4M 0.4% | $12.0M 2.0% |
| Net Income | -$139.1M -10.9% | $17.9M 1.3% | -$31.4M -2.3% | $20.4M 1.5% | $95.0M 8.0% | $104.8M 11.5% | $51.3M 6.9% | $47.6M 7.1% | $36.5M 6.0% | $20.2M 3.4% |
| Per Share | ||||||||||
| EPS (Basic) | $-16.79 | $2.38 | $-4.92 | $3.20 | $14.59 | $15.81 | $7.74 | $6.99 | $5.04 | $2.57 |
| EPS (Diluted) | $-16.79 | $2.33 | $-4.92 | $3.11 | $13.92 | $15.05 | $7.39 | $6.73 | $4.90 | $2.49 |
| Weighted Avg Shares (Basic) | 8.3M | 7.5M | 6.4M | 6.4M | 6.5M | 6.6M | 6.6M | 6.8M | 7.2M | 7.9M |
| Weighted Avg Shares (Diluted) | 8.3M | 7.7M | 6.4M | 6.6M | 6.8M | 7.0M | 6.9M | 7.1M | 7.4M | 8.1M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $3.41 today, the market must believe free cash flow compounds -60.0%/yr for a decade (off $63M normalized FCF).
The market's -60.0% is more conservative than its 9-yr track record.
2-stage DCF · 0.01B shares · net debt -$47M
mean -81.6% · volatility σ 294% · implied rate exceeded in 3/4 yrs
Central path = implied -60.0%/yr growth; shaded band = ±1σ (294%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
4/7 of the 9 checks — 2 couldn't be scored (see above), so the score is out of the 7 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Cash-conversion data unavailable. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $297000 buybacks = $297000 returned on $63M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
EOD close · as of 2026-08-05
No standout strengths flagged.
Is the profit real, and how strong is the balance sheet?
FY2026 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 51.4 | 52.2 | 52.7 | 55.3 | 57.2 | 54.4 | 52.2 | 51.8 |
| Gross Profit | 36.3 | 35.5 | — | — | — | — | — | — |
| SG&A | 16.0 | 15.8 | 14.4 | 13.1 | 12.6 | 12.9 | 13.6 | 16.2 |
| Income Tax | 1.8 | 1.7 | 3.4 | 2.3 | 0.4 | -0.6 | 0.4 | 2.4 |
| Net Income | 7.1 | 6.9 | 11.5 | 8.0 | 1.5 | -2.3 | 1.3 | -10.9 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on CRMT: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.