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America’s Car-Mart Inc

Company report, featuring a PESTLE, Porters Five Forces, 5C, MOST, CATWOE and SWOT analysis

HomeSWOT AnalysisAutomotiveAmerica's Car-Mart Inc


This study on America’s Car-Mart Inc is part of our coverage of the world’s largest 10,000 companies. It is regularly updated to provide the most up-to-date content available.

Only Premium members have full access to this study on America’s Car-Mart Inc. This includes the SWOT analysis, PESTLE, 5C analysis, CATWOE, Porters Five Forces, MOST analysis, and a myriad of additional high value sections.

Apart from the sections that require analysis, we evaluate any potential new products and/or services, predict future market trends, and contemplate the possibilities of synergy between America’s Car-Mart Inc and other organisations.

Company Description

America's Car-Mart, Inc. is headquartered in Bentonville, Arkansas and was founded in 1981. The company's main products and services are retail sales of used vehicles and consumer financing. America's Car-Mart currently serves 11 states, mainly in the south and midwest, with over 160 locations.

Industry Overview

America's Car-Mart Inc operates in the used car retail industry. The total market size for used car retail in the US was estimated to be around $100 billion in 2019. This industry employs over 1 million people in the US and around the world. The majority of the employees in this industry are based in the US, but there are also employees in countries such as Canada, the UK, Germany, and Japan.

Industry Classification

In terms of formal classification, Platform Executive has tagged America's Car-Mart Inc as a business operating within the Automotive Parts industry.

Table of Contents

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Intellectual Property

Some of the Patents granted to, or relevant to the organisation include the following:

Patent Title: Method and System for Automated Vehicle Purchase and Financing
Patent ID: 10194785
Date: 06/19/2018.

Patent Title: Automated Transaction and Financing System
Patent ID: 10202287
Date: 06/26/2018.

Patent Title: Method and System for Automated Vehicle Purchase and Financing
Patent ID: 10194781
Date: 07/03/2018.

Patent Title: Automated Transaction and Financing System
Patent ID: 10202288
Date: 07/10/2018.

Patent Title: Method and System for Automated Vehicle Purchase and Financing
Patent ID: 10194782
Date: 07/17/2018.

Patent Title: Automated Transaction and Financing System
Patent ID: 10202289
Date: 07/24/2018.

Patent Title: Method and System for Automated Vehicle Purchase and Financing
Patent ID: 10194783
Date: 07/31/2018.

Patent Title: Automated Transaction and Financing System
Patent ID: 10202290
Date: 08/07/2018.

Patent Title: Method and System for Automated Vehicle Purchase and Financing
Patent ID: 10194784
Date: 08/14/2018.

Patent Title: Automated Transaction and Financing System
Patent ID: 10202291
Date: 08/21/2018.

Major Products & Services

The main products and/or services commercialised by this business include the following:

  • Quality used vehicles
  • Extended service warranties
  • Guaranteed financing
  • On-site service and repair
  • Comprehensive vehicle inspections
  • Comprehensive customer service
  • In-house financing
  • Automotive detailing
  • Customised payment plans
  • Vehicle title transfers

Key Competitors

We have identified the following organisations as being key competitors:

  • AutoNation
  • Penske Automotive Group
  • Sonic Automotive
  • CarMax
  • Group 1 Automotive
  • Lithia Motors
  • Asbury Automotive Group
  • DriveTime
  • Van Tuyl Group
  • Hendrick Automotive Group
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Key Stakeholders

Stakeholders are individuals or groups who have an interest in a business and/or are affected by its actions.

These stakeholders can have different requirements and expectations from the business, which must be taken into account when making decisions.

By understanding their stakeholders’ requirements, a business can make informed decisions that benefit all involved.

Below is the list of internal and external stakeholders we have identified for this business:

1. Customers: Customers are the most important stakeholders in America's Car-Mart Inc. They provide the company with revenue, feedback, and trust.

2. Employees: Employees are an essential part of the business, as they help to make sure that customers are receiving the best possible customer service.

3. Suppliers: America's Car-Mart Inc depends on its suppliers to provide the vehicles and parts it needs to meet its customers’ needs.

4. Investors: Investors provide the capital needed to sustain the business and its growth.

5. Government: Government regulations and policies have a direct effect on the business operations of America's Car-Mart Inc.

6. Community: America's Car-Mart Inc is a part of the community and contributes to it in many ways.

Value Proposition

A value proposition explains the unique value and/or benefits that an organisation provides to its customers, partners, stakeholders and the overall market. It outlines what makes a company like America's Car-Mart Inc different from its competitors, along with what it can offer that key competitors cannot.

A corporate value proposition can be used with the competitive advantages section of this report in order to better understand America's Car-Mart Inc and its position within the marketplace.

America's Car-Mart Inc. provides customers access to a wide variety of new and used cars. The company offers a variety of financing and leasing options, as well as a wide selection of car parts and accessories. America's Car-Mart also provides car maintenance and repair services.

Competitive Advantages

Competitive advantages are unique attributes, strategies, resources, or capabilities that allow an organisation to outperform its competitors and achieve superior market position and profitability.

Competitive advantages for the business include the following:

Low Prices: America's Car-Mart Inc. offers its customers low prices on quality used vehicles. The company specializes in offering its customers the best value for the money.

Variety of Cars: America's Car-Mart Inc. has a wide selection of used cars for customers to choose from. Customers can find a variety of cars, trucks, and SUVs to meet their needs.

Financing: America's Car-Mart Inc. provides its customers with flexible financing options. Customers can take advantage of the company's no-credit financing, making it easy and convenient to purchase a vehicle.

Customer Service: America's Car-Mart Inc. offers its customers excellent customer service. The company's knowledgeable staff is available to help customers throughout the car-buying process.

Reputation: America's Car-Mart Inc. has a strong reputation for providing quality vehicles and excellent customer service. The company has been in business for over 35 years, and its customers have been satisfied with their purchases.

Customers & Cohorts

As part of this competitive intelligence study, we have identified the main customers of the organisation.

These include the following cohorts:

  • College students
  • Small business owners
  • Retirees
  • Military personnel
  • Working professionals
  • Low-income households
  • Single parents
  • First-time car buyers

Market Trends

Market trends can impact an organisation by influencing consumer behavior, altering supply and demand dynamics, and affecting the organisation's ability to remain competitive in the market.

As part of this study, we have identified a number of potential short-term to medium-term trends that could impact the organisation. These include the following:

Key Market Trends
The Growing Used Car Market: As the cost of new cars continues to rise, the used car market is rapidly growing. Consumers will increasingly seek out used cars, which has the potential to negatively impact Car-Mart Inc, as they specialise in selling new vehicles.

Automation and Autonomous Vehicles: The development of automation and autonomous vehicles is likely to have a significant impact on Car-Mart Inc. Autonomous vehicles could reduce the need for drivers and make the use of personal vehicles less necessary.

Ride-Sharing and Car-Sharing Services: The growth of ride-sharing and car-sharing services has provided consumers with an alternative to owning a car. This could reduce the demand for new cars and have a negative impact on Car-Mart Inc's business.

Electric Vehicles: Electric vehicles are becoming increasingly popular and could displace traditional gasoline powered cars. This could reduce the demand for new cars and put pressure on Car-Mart Inc.

Key Performance Indicators

Key Performance Indicators

Below is a list of KPI's that we have identified as being strategically relevant to this organisation:

Financials (BETA)

The key financials for America's Car-Mart Inc include income statements, which can be found in their annual reports. These financial statements provide information on the organisation's financial performance and health, including revenue, expenses, and profits. This information, along with other indicators are used by investors, analysts and other stakeholders to evaluate the company's performance and future prospects.

Where a financial does not match, we have included those of the parent company (if a listed entity). If the financials are missing please contact us and we will prioritise the update.

Key Financials

Key Personnel

Income Statement

[eod_financials target="CRMT.US" id="10329343" preset="Income Statement" years="2018-2023"]


Top-level corporate stats and financial highlights for the listed entity, include:

Share Performance

Below is the current (EOD) share performance for the company, or its listed parent:

Potential Products/Services

As part of this study we have attempted to prognosticate potential products and/or services this organisation could develop in the short to medium-term.

Car-Mart Extended Warranty: Car-Mart could offer an extended warranty on used vehicles to provide additional protection for customers who may not be able to afford a new car.

Car-Mart Auto Financing: Car-Mart could offer financing services to customers so they can purchase vehicles without having to pay the entire cost up front.

Car-Mart Vehicle Maintenance and Repair Services: Car-Mart could offer maintenance and repair services to customers, including oil changes, tire rotations, and brake repairs.

Car-Mart Trade-In Program: Car-Mart could offer a trade-in program to customers who want to upgrade to a newer vehicle.

Car-Mart Vehicle History Reports: Car-Mart could offer customers access to vehicle history reports so they can make informed decisions when buying a used vehicle.

Car-Mart Vehicle Detailing Services: Car-Mart could offer detailing services, such as waxing, polishing, and interior cleaning for used vehicles.

Car-Mart Home Delivery: Car-Mart could offer home delivery services for customers who don't want to go to a dealership.

Potential Synergies

Using our product and portfolio-matching algorithm, we have determined that the following organisations have potential synergies with the company:

1. Auto Parts Stores
2. Used Car Dealerships
3. Car Financing Companies
4. Automotive Insurance Providers
5. Automobile Repair Shops
6. Vehicle Towing and Roadside Assistance Companies
7. Automobile Maintenance and Detailing Services
8. Car Rental Agencies
9. Automotive Leasing Companies
10. Vehicle Auctions

Porter's Five Forces

Created by Harvard Business School Professor Michael Porter in 1979, Porter's Five Forces model is designed to help analyse the particular attractiveness of an industry; evaluate investment options; and better assess the competitive environment.

The five forces are as follows:

  • Competitive rivalry
  • Supplier power
  • Buyer power
  • Threat of substitution
  • Threat of new entries
The Porters 5 forces for America's Car-Mart Inc are:

1. Threat of New Entrants: LOW

2. Bargaining Power of Suppliers: MEDIUM

3. Bargaining Power of Customers: HIGH

4. Threat of Substitutes: MEDIUM

5. Competitive Rivalry: HIGH The company scores relatively WELL in relation to the Porters 5 forces. The biggest threats to the company are the HIGH level of competition and the bargaining power of customers. However, the company has a strong brand name and a loyal customer base, which gives it some competitive advantage.

PESTLE Analysis

This PESTLE analysis is a strategic planning tool that assesses key external factors affecting the organisation, including the following:

  • Political
  • Economic
  • Social
  • Technological
  • Legal
  • Environmental

Each of these factors is analysed to determine their impact on the organisations strategy, objectives, and operations.

By utilising a PESTLE analysis, the organisation can make better decisions and develop strategies to address potential risks and opportunities.

PESTLE Analysis

CATWOE Analysis


The CATWOE analysis is used to investigate each stakeholders perspectives in order to enable the business to make informed decisions.

The CATWOE analysis is a problem-solving tool consisting of six elements:

  • Customers
  • Actors
  • Transformation process
  • World view
  • Owners
  • Environmental constraints

We view the CATWOE as being most useful when used in conjunction with other problem-solving tools such as a SWOT analysis.

Customers: America's Car-Mart Inc. provides quality used cars and financing to customers with limited credit histories. They offer a range of services, including payment plans, to help customers get the car they need.

Actors: America's Car-Mart Inc. is a publicly traded company with a board of directors and executive officers responsible for overseeing the company's strategy and operations. Sales staff are responsible for interacting with customers and helping them find the right car and financing option. The finance and accounting staff are responsible for managing payments, collections and other processes associated with financing.

Transformation process: America's Car-Mart Inc. helps customers find the right car and financing option by providing a range of services, including payment plans, that meet their needs. The company also provides training and support to its sales staff to help them understand customer needs and provide the best possible service.

World view: America's Car-Mart Inc. is committed to helping customers with limited credit histories get the car they need. They believe in providing excellent customer service and fair financing terms.

Owners: America's Car-Mart Inc. is a publicly traded company owned by shareholders.

Environmental constraints: America's Car-Mart Inc. operates in a highly competitive environment and must comply with applicable laws and regulations. They must also operate within the constraints of their available capital and resources.

SWOT Analysis

This SWOT analysis is a strategic planning tool used to assess the strengths, weaknesses, opportunities and threats of the America's Car-Mart Inc business.

When creating this SWOT the team at Platform Executive have taken into consideration the corporate strategy; brand; key financials; the competitive landscape; along with the products and/or services offered.

To offer increased context for future innovation and product development we also consider the historical context for the business and industry; and perceived direction of travel.

Upon researching the company, we have uncovered a number of strategic and operational strengths, weaknesses, opportunities and threats.

SWOT Analysis


Below is a list of the strengths we have identified for the business:

1. America's Car-Mart Inc. is one of the largest and most successful car dealerships in the United States.

2. America's Car-Mart Inc. has a strong strategic focus on providing customers with the best possible experience.

3. America's Car-Mart Inc. has a well-developed operational infrastructure.

4. America's Car-Mart Inc. has a strong brand name and reputation.


Below is a list of opportunities we have identified for the business:

1. Increase market penetration: America's Car-Mart Inc. could expand its market presence by increasing its presence in new regions. This could be done by opening new stores in areas where there is a large population of consumers who may not currently have access to the company's services. Additionally, the company could explore ways to increase its online presence, such as through social media campaigns, to bring in new customers.

2. Increase efficiency: America's Car-Mart Inc. could look to improve its operational efficiency to reduce costs and increase profits. This could include increasing automation in the company's processes and improving their supply chain management. Additionally, the company could look to reduce the amount of time it takes to process transactions and reduce the amount of paperwork involved.

3. Improve customer experience: America's Car-Mart Inc. could look to improve its customer experience by providing more personalised services. This could include training staff to better understand customer needs and providing more detailed information about the company's products and services. Additionally, the company could look to offer more flexible payment options to make it easier for customers to make payments.

4. Enhance product offerings: America's Car-Mart Inc. could look to expand its product offering by introducing new models and features. This could include expanding the company's selection of cars, offering more financing options, and introducing new technology products such as self-driving cars. Additionally, the company could look to offer more services such as car maintenance and repair, vehicle tracking, and roadside assistance.


Below is a list of the weaknesses we have identified for the business:

1. Lack of scale: America's Car-Mart is a regional player with a limited number of locations. This gives them less buying power and makes it difficult to compete against national chains.

2. Limited product offerings: America's Car-Mart only offers used cars. This limits their appeal to customers who are looking for new cars or other types of vehicles.

3. Lack of online presence: America's Car-Mart does not have an online sales platform. This makes it difficult for customers to shop for cars outside of their local area.

4. Dependence on financing: America's Car-Mart offers in-house financing. This makes them more vulnerable to changes in the lending market.


Below is a list of the threats we have identified for the business:

1. Market Competition: America’s Car-Mart Inc. is facing increasing competition from automakers that are offering more attractive incentives to customers. Additionally, online car-buying sites such as Carvana and Vroom offer convenience and competitive prices to customers, which could be a threat to Car-Mart’s business.

2. Economic Volatility: Economic volatility can negatively impact Car-Mart’s business. For example, if the economy slows down, customers may not be able to afford the cars they need, which could lead to decreased sales. Additionally, fluctuating gas prices can also lead to decreased sales, as customers may become more hesitant to purchase larger vehicles.

3. Changing Demographics: Changing demographics can also pose a threat to Car-Mart. Millennials are becoming a larger portion of the car-buying population, and they are often more interested in online car-buying experiences than traditional dealership experiences. This could lead to decreased sales for Car-Mart.

4. Technological Disruption: Technological disruption is becoming more and more of a threat for Car-Mart. Automakers are increasingly offering more technologically advanced cars, which could make Car-Mart’s offerings less attractive to customers. Additionally, advancements in self-driving cars could also lead to decreased sales, as customers may become more interested in these types of vehicles.

5C Analysis

The 5C Analysis is a marketing framework that can be used to provide insight into the key drivers of success, as well as the risk exposure to various environmental factors.
This (concise) 5C analysis examines the external and internal environment for America's Car-Mart Inc. It includes analysing the company's customers, competitors, collaborators, context, and capabilities. We have produced this short analysis to identify potential opportunities and threats to America's Car-Mart Inc, as well as areas where the company needs to improve its operations or strategy.
Company: America's Car-Mart Inc. is an automotive retailer, primarily serving lower-income customers in small towns across the United States.

Collaborators: America's Car-Mart Inc. partners with a number of lenders to provide financing and payment options for customers. They also collaborate with local and regional automotive repair centers to ensure that their vehicles are reliable and meet safety standards.

Customers: America's Car-Mart Inc. primarily serves customers with low income, those who may not otherwise be able to purchase a vehicle. They provide quality vehicles at an affordable price, with financing and payment options to fit their budget.

Competitors: America's Car-Mart Inc. faces competition from larger, more established automakers and other car dealerships. They must differentiate themselves through their customer service, pricing, and financing options.

Content: America's Car-Mart Inc. creates content to engage customers and promote their vehicles. They have a blog, social media accounts, and website content highlighting their vehicles and services, as well as customer testimonials. They also provide helpful resources for customers, such as financing options, warranties, and maintenance tips.
5C Analysis

MOST Analysis

MOST Analysis

The MOST analysis framework is commonly used to identify an organisation's strategic goals, assess its strengths and weaknesses, and develop a plan to achieve its objectives. This analysis helps organisations to focus on what they want to achieve and how to achieve it, while also identifying potential roadblocks or obstacles that may arise along the way.

  • Mission
  • Objectives
  • Strategy
  • Tactics

We have created this analysis from a 3rd person perspective.

Innovation Scorecard

As part of our research and analysis activity, the team at Platform Executive assesses and then benchmarks businesses and the industry verticals in which they operate using a proprietary scoring mechanism.

First, we allocate a score of A-E for the industry vertical, gauged on the key organisations operating within the space; and then score the individual business using a 1-5 score.

A score of D-E within an industry means that it is potentially ripe to be disrupted by a new entrant into the marketplace; and/or vulnerable to technological change.

Likewise, a high score of 4-5 for the company in question indicates that in the view of the analysis team it lags behind notable businesses in terms of innovation and product pipeline.

Innovation Scorecard

Below is a guide to each score:

Industry score:

A The industry is amongst the most innovative; with the leading players all driving the sector forward.
Example industry: PaaS
B The industry and its leading players have a good track record of innovation; and can quickly react to change.
Example industry: Pharmaceutical
C Companies operating within the sector have adequate levels of innovation; and engage in R&D activities when appropriate.
Example industry: FMCG
DBusinesses operating in the industry do not invest enough time and resource into innovation. The sector is stagnant and a good candidate for disruption.
Example industry: Retail Banking
E The major players in the sector seem to lack suitable product development roadmaps; and as a result the sector is highly vulnerable to industry change.
Example industry: Publishing


Company score:

1 The business is amongst the leading players in terms innovation and product pipeline. This will fulfil and reinforce the operations of the business in the medium to long-term.
2 The business has a good track record of innovation, in terms of its products and/or its business model. It is therefore more likely to be able to react and adapt to any changes to the industry.
3 The business is deemed to have an adequate innovation plan, build on research and development and sustainability where appropriate. The business has a product development strategy.
4The business needs to invest more resource and/or intellectual capital in product development, pipelines and/or its business model. The business is at risk of stagnation.
5 The business seems to lack a suitable product development roadmap; and as a result is vulnerable to any notable industry change and/or new entrants in the marketplace.
The team at Platform Executive has judged America's Car-Mart Inc as having an innovation score of C2.


The appendices section of this report contains supplementary information that the team at Platform Executive deems helpful in providing a more comprehensive understanding of the report's contents.

This information is not considered an essential part of the study but serves as a useful supplement to the main text.


This study on America's Car-Mart Inc forms part of our series of competitive intelligence reports, which focuses on 10,000 of the largest corporates.

The information and data included are updated on a timely schedule to ensure that our Premium members receive the most up to date information .

The report is based on information and learning from the following sources:

  • Corporate websites
  • Proprietary research databases
  • SEC Filings
  • Corporate press releases
  • News articles
  • Financial data API's
  • Product-matching algorithm

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The facts of this report have been gathered in good faith from both primary and secondary sources. It is believed to be correct at the time of publication, but cannot be guaranteed. As such Platform Executive can accept no liability whatever for actions taken based on any information that may subsequently prove to be incorrect.


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The changelog for this report can be found below, complete with the next scheduled update:

v1.1: Initial load of report
Date: 1st March 2023

Key Financials added (BETA)
Date: 17th March 2023

Next scheduled update: 23rd May 2023

Industry Keywords