GURU.Markets stock price, segment price, and overall market index valuation
The company's share price Americas Car Mart
America's Car-Mart is a used car sales and financing network for customers with less-than-perfect credit. Its stock price is cyclical and heavily dependent on the state of the economy, which impacts the creditworthiness of its target audience.
Share prices of companies in the market segment - Auto Trade
America's Car-Mart (CRMT) operates a network of used car dealerships in small cities in the southern and central United States, specializing in financing. We classify it as "Automotive Retail." The chart below shows the dynamics of the used car sales sector.
Broad Market Index - GURU.Markets
America's Car-Mart is a used car dealer and finance company focused on customers with less-than-perfect credit. Its unique niche makes it a notable player in the GURU.Markets index. The chart below represents the entire market. Find out how Car-Mart compares.
Change in the price of a company, segment, and market as a whole per day
CRMT - Daily change in the company's share price Americas Car Mart
Daily fluctuations at America's Car-Mart, a used car dealership, reflect the situation of consumers with less-than-perfect credit. Change_co measures volatility associated with loan delinquency rates. System.GURU.Markets uses this metric to assess cyclicality in the auto retail sector.
Daily change in the price of a set of shares in a market segment - Auto Trade
America's Car-Mart, Inc. is a used car dealer. This chart demonstrates the high volatility of the automotive sector. Comparing this to the dynamics of CRMT, which focuses on lending to low-rated borrowers, helps us understand its increased sensitivity to the state of the economy.
Daily change in the price of a broad market stock, index - GURU.Markets
America's Car-Mart is a used car dealership that offers in-house financing. Its business is highly dependent on the economy and the creditworthiness of its borrowers. The chart below shows volatility in the automotive sector, allowing us to assess Car-Mart's sensitivity to these factors.
Dynamics of market capitalization of the company, segment and the market as a whole over 12 months
Annual dynamics of the company's market capitalization Americas Car Mart
America's Car-Mart's year-over-year performance is a barometer of the financial health of consumers with low credit scores. The 12-month change in this used car retailer's market capitalization reflects its ability to manage the risk of default on its auto loans, a key driver of its profitability in this specific market segment.
Annual dynamics of market capitalization of the market segment - Auto Trade
America's Car-Mart, Inc. is a used car retailer that also provides financing to customers with less-than-perfect credit. Its integrated "buy here, pay here" model sets it apart from its competitors. This chart shows how its business is responding to the state of the economy and consumer finance.
Annual dynamics of market capitalization of broad market stocks, index - GURU.Markets
Car-Mart, which sells used cars to customers with poor credit, is a highly cyclical company. Its business thrives in good times but carries significant risks during crises. The company's stock price is a barometer of the financial health of the most vulnerable segments of the population.
Dynamics of market capitalization of the company, segment and the market as a whole for the month
Monthly dynamics of the company's market capitalization Americas Car Mart
The value of America's Car-Mart, a used car dealer, depends on consumer health. The monthly fluctuations on the chart reflect sales volumes and, more importantly, the quality of its loan portfolio, which is targeted at borrowers with low credit scores.
Monthly dynamics of market capitalization of the market segment - Auto Trade
The used car and auto loan market for customers with a less-than-perfect record is sensitive to the state of the economy. The dynamics of this sector, shown in the graph, reflect the financial health of consumers. Companies like America's Car-Mart are building their businesses in this niche.
Monthly dynamics of market capitalization of broad market stocks, index - GURU.Markets
America's Car-Mart, a used car dealer for customers with poor credit, is highly sensitive to the economy. Default risks make its stock cyclical, and its movements often amplify broader market movements.
Dynamics of market capitalization of the company, segment and the market as a whole for the week
Weekly dynamics of the company's market capitalization Americas Car Mart
Shares of America's Car-Mart, a used car dealer, are a proxy for the well-being of low-income consumers. Weekly price movements depend on used car prices, employment levels, and the availability of loans for their customer base. The chart below shows how short-term economic signals influence the valuation of this niche retailer.
Weekly dynamics of market capitalization of the market segment - Auto Trade
Is America's Car-Mart keeping pace with the auto sector? The chart below compares this used car dealer's weekly stock performance with the industry average. This allows us to assess whether it is responding more strongly to the plight of low-income consumers than other auto market players, or whether it is simply following general trends.
Weekly dynamics of market capitalization of stocks of the broad market, index - GURU.Markets
America's Car-Mart sells used cars to customers with less-than-perfect credit. Its business is highly sensitive to the economy. This chart compares its weekly performance to the market, showing how its shares react to news about consumer lending and auto prices.
Market capitalization of the company, segment and market as a whole
CRMT - Market capitalization of the company Americas Car Mart
The valuation chart of America's Car-Mart shows how investors view its business model, which focuses on selling used cars to customers with poor credit ratings. The company's market capitalization is highly dependent on the state of the economy and the solvency of its borrowers. Its dynamics reflect the risks and specifics of this segment of the auto market.
CRMT - Share of the company's market capitalization Americas Car Mart within the market segment - Auto Trade
America's Car-Mart, Inc. holds a significant share of the used car market, focusing on customers with less-than-perfect credit in smaller U.S. cities. Its market capitalization reflects its integrated "buy here, pay here" model.
Market capitalization of the market segment - Auto Trade
The graph illustrates the overall value of the used car market, where America's Car-Mart is the leader in its niche. The chart also shows the scale of the segment targeting customers with less-than-perfect credit. This is a vast but fragmented market, which the company is consolidating.
Market capitalization of all companies included in a broad market index - GURU.Markets
This chart is a barometer of the used car market for people with less-than-perfect credit. America's Car-Mart's market capitalization reflects demand in this specific segment. The line shows the economic weight of businesses providing second chances and transportation accessibility nationwide.
Book value capitalization of the company, segment and market as a whole
CRMT - Book value capitalization of the company Americas Car Mart
This chart illustrates the asset base of America's Car-Mart, a used car dealership. The line represents the combined value of its dealerships and, more importantly, its massive portfolio of issued auto loans. The dynamics show how the company manages its key assetβits loan portfolio.
CRMT - Share of the company's book capitalization Americas Car Mart within the market segment - Auto Trade
America's Car-Mart's physical presence is its extensive network of used car dealerships. The chart shows the company's control over this retail real estate and the automotive inventory within its niche, reflecting the scale of its physical presence in the market and its "buy here, pay here" model.
Market segment balance sheet capitalization - Auto Trade
The chart shows the book value of the auto retail sector, reflecting all dealerships and their massive inventory. In this context, Americas Car-Mart is a classic capital-intensive player. Its "buy here, pay here" business model requires not only ownership of the dealerships but also significant capital to finance customers.
Book value of all companies included in the broad market index - GURU.Markets
America's Car-Mart is not a manufacturer, but a used car dealer with its own financing system. The company's assets include hundreds of dealership locations and a huge inventory of real, tangible cars. The company's balance sheet is the value of this gigantic "fleet," ready for sale, which is part of the transportation system reflected in the graph.
The ratio of market capitalization to book capitalization of a company, segment, and the market as a whole
Market capitalization to book capitalization ratio - Americas Car Mart
America's Car-Mart's balance sheet is the value of its warehouses and its vast used car inventory. Market valuation, when below book value, reflects investor concerns about the quality of the loan portfolio and the potential for a recession. The MvsBCap_Co chart here is an indicator of fears of customer defaults.
Market to book capitalization ratio in a market segment - Auto Trade
America's Car-Mart is a used car dealership that also provides financing for customers with poor credit ratings. The chart shows how the market evaluates its retail network and the quality of its credit portfolio. This assessment reflects both the retailer and the finance company.
Market to book capitalization ratio for the market as a whole
America's Car-Mart operates a network of used car dealerships, targeting customers with poor credit ratings and providing them with financing. The company's business is based on physical assetsβcar inventory. This chart helps assess how investors view the auto retail sector compared to the overall market.
Debts of the company, segment and market as a whole
CRMT - Company debts Americas Car Mart
For America's Car-Mart, a used car dealer, debt is at the core of its business model. This chart shows how the company finances its vehicle purchases and, more importantly, its portfolio of auto loans issued to customers. Debt here is not a liability, but a working asset that directly generates interest income.
Market segment debts - Auto Trade
America's Car-Mart is a used car dealership that targets customers with less-than-perfect credit by providing in-house financing. This business model requires significant capital to maintain both its inventory and its loan portfolio. This chart shows how the company balances these two aspects.
Market debt in general
Debt to book value of the company, segment and market as a whole
The company's debt to book capitalization ratio Americas Car Mart
America's Car-Mart, a used car retailer, uses debt to finance its inventory and customer financing programs. This chart shows the company's leverage. For a retailer that works with subprime borrowers, high debt levels can be dangerous during an economic downturn, when the risk of loan defaults increases.
Market segment debt to market segment book capitalization - Auto Trade
America's Car-Mart specializes in selling used cars to customers with less-than-perfect credit, often providing direct financing. This business model requires significant capital. The chart shows how the company's debt load compares to its overall capitalization and the risks associated with the auto retail sector.
Debt to book value of all companies in the market
America's Car-Mart (CRMT) sells used cars and provides financing to buyers, often with less-than-perfect credit. The business is highly dependent on the availability of credit. This chart illustrates the overall debt load of the economy. It helps understand how changes in the cost of money and the debt burden in the country can affect CRMT's sales and risks.
P/E of the company, segment and market as a whole
P/E - Americas Car Mart
This chart for America's Car-Mart, a used car dealership serving customers with poor credit ratings, is indicative of the health of this consumer segment. The low P/E ratio may reflect investor concerns about rising auto loan defaults if the economy worsens, a key risk for this business model.
P/E of the market segment - Auto Trade
This industry metric shows the average P/E for used car dealers. For America's Car-Mart, which deals with subprime borrowers, this is key context. Its P/E is likely to be below average, reflecting the higher credit risks that investors factor into its valuation.
P/E of the market as a whole
America's Car-Mart is one of the largest used car dealerships in the US, which also finances its customers' purchases. Its business model is targeted at consumers with less-than-perfect credit. This chart, reflecting overall sentiment, provides insight into how investors view the subprime auto loan sector.
Future P/E of the company, segment and market as a whole
Future (projected) P/E of the company Americas Car Mart
America's Car-Mart operates a network of used car dealerships targeting customers with less-than-perfect credit and finances these purchases. This chart shows expectations for this segment of the auto market. The estimate is heavily dependent on the state of consumer lending, used car prices, and default rates on existing loans.
Future (projected) P/E of the market segment - Auto Trade
America's Car-Mart operates a network of used car dealerships offering in-house financing. This chart compares the company's future profitability expectations with those for the auto retail industry. It reflects how the market assesses the risks and opportunities of their business model, which targets customers with less-than-perfect credit.
Future (projected) P/E of the market as a whole
America's Car-Mart is a used car dealership targeting customers with poor credit ratings. Its business is sensitive to the state of the economy. This market outlook chart is an indicator of the health of low- and moderate-income consumers. An improved economic outlook reduces the company's auto loan risk.
Profit of the company, segment and market as a whole
Company profit Americas Car Mart
America's Car-Mart is a chain of used car dealerships focused on customers with less-than-perfect credit. The company finances most of its sales. Its profits depend on the difference between the purchase and sale price of the vehicle, as well as the quality of its credit portfolio. This chart reflects the state of the used car market.
Profit of companies in the market segment - Auto Trade
America's Car-Mart is a used car dealership targeting customers with poor credit scores. The company's profitability depends on its ability to manage default risks. This chart reflects the state of consumer lending, where the performance of such niche players serves as an indicator of the financial health of low-income households.
Overall market profit
America's Car-Mart specializes in selling used cars to customers with less-than-perfect credit. The company's business has a complex relationship with the economy: in good times, purchasing power increases, while in bad times, demand for affordable cars increases. However, an economic downturn, as shown in the chart, also increases credit risks for its target audience.
Future (predicted) profit of the company, segment and market as a whole
Future (projected) profit of the company Americas Car Mart
America's Car-Mart operates a network of used car dealerships, targeting customers with less-than-perfect credit. This chart reflects profit expectations, which depend on the state of the used car market and the creditworthiness of its target audience. Analysts closely monitor loan delinquency rates.
Future (predicted) profit of companies in the market segment - Auto Trade
America's Car-Mart operates a network of used car dealerships, targeting customers with less-than-perfect credit. This chart shows the profit forecast for the entire auto trading sector. It reflects expectations for used car prices and the state of consumer finance, which directly impacts America's Car-Mart's sales and risks.
Future (predicted) profit of the market as a whole
America's Car-Mart specializes in selling and financing used cars for customers with less-than-perfect credit. Its business is often countercyclical. During economic downturns, as predicted in this chart, demand for affordable used cars can increase, but the risk of loan defaults also increases.
P/S of the company, segment and market as a whole
P/S - Americas Car Mart
America's Car-Mart is a chain of used car dealerships targeting customers with less-than-perfect credit. The company finances most of its sales. This chart shows how investors view its revenue, which is highly dependent on the state of the economy, consumer confidence, and the company's ability to manage credit risk.
P/S market segment - Auto Trade
America's Car-Mart is one of the largest used car dealers in the US, targeting customers with low credit scores. The company not only sells cars but also finances purchases, a key part of its business. This chart shows the average valuation in the sector, helping to understand how the market views this niche and risky business model.
P/S of the market as a whole
America's Car-Mart operates a network of used car dealerships, targeting customers with less-than-perfect credit. The business model includes in-house financing for purchases. This chart helps assess how the market views the cyclical auto trade sector, coupled with the risks of consumer finance.
Future P/S of the company, segment and market as a whole
Future (projected) P/S of the company Americas Car Mart
America's Car-Mart is a used car dealership that also finances purchases for customers. Future sales are dependent on the state of the used car market and the quality of its credit portfolio. This metric reflects how investors assess the company's ability to grow sales and effectively manage credit risk.
Future (projected) P/S of the market segment - Auto Trade
America's Car-Mart is a used car dealership that also provides financing to its customers, mostly those with less-than-perfect credit. This chart compares the company's estimated future sales with other auto dealers, showing how investors view its niche business model in the changing used car market.
Future (projected) P/S of the market as a whole
America's Car-Mart serves the used car market by providing financing to buyers with less-than-perfect credit. The company's success depends on the well-being of low- and moderate-income consumers. The overall optimism seen in this chart indicates rising employment and income, which improves Car-Mart customers' ability to service their loans.
Sales of the company, segment and market as a whole
Company sales Americas Car Mart
America's Car-Mart operates a network of used car dealerships, targeting customers with less-than-perfect credit and offering financing. The company's revenue comes from vehicle sales and interest on loans issued. The chart reflects the demand for affordable vehicles and the state of consumer finance in the US.
Sales of companies in the market segment - Auto Trade
America's Car-Mart is one of the largest used car dealers in the US, targeting customers with less-than-perfect credit. The company's business model is unique in that it finances the majority of its sales. Revenue is generated from both car sales and interest payments on the loans issued. This chart reflects the state of the used car and subprime lending markets.
Overall market sales
America's Car-Mart specializes in selling and financing used cars for customers with less-than-perfect credit. The company's business often thrives during economic uncertainty, when consumers seek more affordable vehicles. The dynamics in this chart help us understand which segment of the auto market will be most in demand.
Future sales volume of the company, segment and market as a whole
Future (projected) sales of the company Americas Car Mart
America's Car-Mart is a used car dealership focused on customers with less-than-perfect credit. The company finances most of its sales, so its business depends on its ability to manage credit risk. This chart reflects analyst forecasts for the used car market and the state of consumer lending in the low-income segment.
Future (projected) sales of companies in the market segment - Auto Trade
America's Car-Mart operates a network of used car dealerships, targeting customers with less-than-perfect credit and offering in-house financing. This chart illustrates expectations for the used car sector, helping to assess how this niche business model is responding to changes in the economy and the used car market.
Future (projected) sales of the market as a whole
America's Car-Mart specializes in selling and financing used cars for customers with less-than-perfect credit. This chart, which reflects the state of the consumer sector, is important to the company. Economic stability and employment levels directly impact Car-Mart customers' creditworthiness and their ability to service their auto loans.
Marginality of the company, segment and market as a whole
Company marginality Americas Car Mart
America's Car-Mart focuses on selling used cars and providing financing to customers with less-than-perfect credit. Its success depends on its ability to assess risk and manage a large auto loan portfolio. This chart shows how effectively the company balances sales volume and loan portfolio quality to generate profits.
Market segment marginality - Auto Trade
America's Car-Mart specializes in selling used cars to customers with less-than-perfect credit, providing them with on-site financing. The profitability of this model depends on its ability to accurately assess credit risk and effectively collect payments. This chart shows how the company manages this balance between sales and default risk.
Market marginality as a whole
America's Car-Mart is a used car dealership that also finances purchases for customers with less-than-perfect credit. Despite their overall profitability, their business is vulnerable to economic downturns. Their profitability depends on their ability to manage credit risk and collect payments when their customers experience financial difficulties.
Employees in the company, segment and market as a whole
Number of employees in the company Americas Car Mart
America's Car-Mart is one of the largest used car retailers in the US, focusing on customers with limited credit. This chart shows a massive team of salespeople and finance specialists working across hundreds of dealerships. The growth in staff directly reflects the company's expanding geographic footprint.
Share of the company's employees Americas Car Mart within the market segment - Auto Trade
America's Car-Mart is one of the largest used car dealerships in the US, specializing in financing cars for customers with questionable credit histories. This chart shows the company's market share in this specific segment of the auto trade. It reflects the scale of its extensive dealer network and team dedicated to subprime auto financing.
Number of employees in the market segment - Auto Trade
America's Car-Mart operates a network of used car dealerships, targeting customers with less-than-perfect credit. This chart shows employment in the automotive retail sector. The stable number of employees in this niche highlights the persistent demand for affordable vehicles and the importance of direct customer interaction.
Number of employees in the market as a whole
America's Car-Mart is one of the largest used car retailers in the US, targeting customers with less-than-perfect credit. It has an extensive network of dealerships and a large workforce. This labor market chart shows the retail and auto dealership sector as one of the largest employers, sensitive to consumer confidence.
Market capitalization per employee (in thousands of dollars) of the company, segment, and market as a whole
Market capitalization per employee (in thousands of dollars) of the company Americas Car Mart (CRMT)
America's Car-Mart is a used car dealership targeting customers with poor credit ratings. This business requires a significant number of employees to manage the dealerships and provide customer service. This chart shows a model with a moderate cost per employee. Value is created through an extensive network and operational efficiency, not unique technology.
Market capitalization per employee (in thousands of dollars) in the market segment - Auto Trade
America's Car-Mart operates a network of used car dealerships. In this business, the performance of every salesperson and service technician is crucial. This chart shows the market value generated by the company's average employee, which directly reflects the success of its business model, vehicle turnover, and profitability.
Market capitalization per employee (in thousands of dollars) for the overall market
America's Car-Mart specializes in selling used cars to customers with less-than-perfect credit, combining retail and financing. This chart shows how the market evaluates each employee's ability to effectively manage sales and credit risk in a specific, high-margin niche of the automotive market.
Profit per employee (in thousands of dollars) for the company, segment, and market as a whole
Profit per employee (in thousands of dollars) of the company Americas Car Mart (CRMT)
America's Car-Mart (CRMT) is a chain of used car dealerships operating on a "buy here, pay here" model. It's a complex, labor-intensive business, combining sales and payment collection. This chart is a direct measure of their operational efficiency: it shows how much net profit each employee generates in a highly competitive market.
Profit per employee (in thousands of dollars) in the market segment - Auto Trade
America's Car-Mart is a used car dealership that finances its customers' purchases. Their "buy here, pay here" approach is critical to managing credit risk. This chart represents an industry benchmark. It helps assess how effectively Car-Mart's team (salespeople and collection specialists) manages this risky but profitable business.
Profit per employee (in thousands of dollars) for the market as a whole
America's Car-Mart is a used car dealership chain specializing in the buy-here-pay-here segment. This reflects how effectively its field staff can sell cars and, more importantly, service and collect payments on high-risk loans.
Sales to employees of the company, segment and market as a whole
Sales per company employee Americas Car Mart (CRMT)
America's Car-Mart operates a network of used car dealerships, offering in-house financing. This chart demonstrates the efficiency of the auto retail industry. It reflects how effectively each employee sells cars and manages the loan portfolio, which is a key driver of revenue and profitability.
Sales per employee in the market segment - Auto Trade
America's Car-Mart (CRMT) is a used car dealership chain that stands out for its ability to finance (or lend) most of its customers. This chart shows how much revenue (sales and interest) each employee (salesperson, loan officer) generates. It's an indicator of the effectiveness of their integrated sales and finance model.
Sales per employee for the market as a whole
America's Car-Mart not only sells used cars but also finances them (the "buy here, pay here" model). This is a highly labor-intensive business, requiring not only salespeople but also a large staff for risk management and debt collection. This chart shows how effectively dealership staff generate sales and interest income in this challenging segment.
Short shares by company, segment and market as a whole
Shares shorted by company Americas Car Mart (CRMT)
America's Car-Mart is a used car dealership targeting customers with subprime credit. The company finances these purchases itself. This chart shows bearish bets. "Shorting" CRMT is a bet on rising loan defaults. If the economy worsens, their customers are the first to default, leading to huge losses.
Shares shorted by market segment - Auto Trade
America's Car-Mart (CRMT) is a chain of used car dealerships that focuses on subprime (high-risk) borrowers and finances their purchases. This chart shows the odds against the auto retail sector. A rising ratio signals that investors expect widespread auto loan defaults among the most vulnerable segments of the population, which is a direct blow to CRMT's balance sheet.
Shares shorted by the overall market
America's Car-Mart (CRMT) sells used cars, often on credit, to customers with less-than-perfect credit. This business thrives in a stable economy. When this chart shows rising fear, it signals trouble ahead. For CRMT, this means rising auto loan defaults and declining demand.
RSI 14 indicator for a company, segment, and market as a whole
The company's RSI 14 indicator Americas Car Mart (CRMT)
America's Car-Mart is a used car dealership that also provides financing ("buy here, pay here") to customers with subprime credit. It's a high-risk business. This chart measures when the market "oversells" the stock, fearing rising defaults, or "overbuys" it, expecting high margins.
RSI 14 Market Segment - Auto Trade
America's Car-Mart is one of the largest used car dealerships in the US ("buy here, pay here"). They specialize in servicing customers with poor credit, providing them with financing. This metric measures the overall "temperature" of the used car market, helping to understand whether the sector is oversold due to rising delinquencies.
RSI 14 for the overall market
America's Car-Mart, a used car dealership focused on subprime financing, sees risks in this chart. In times of euphoria, its customers pay reliably. But during times of panic and rising unemployment, its low-income borrowers are the first to lose their jobs, leading to a wave of defaults and repossessions.
Analyst consensus forecast for the company's share price, the segment, and the market as a whole
Analyst consensus stock price forecast CRMT (Americas Car Mart)
America's Car-Mart is a used car dealership specializing in "Buy Here Pay Here" (BHPH). They sell cars and finance them for customers with poor credit. This chart shows the analysts' average 12-month forecast. It reflects their view on used car prices and the risk of defaults in their loan portfolio.
The difference between the consensus estimate and the actual stock price CRMT (Americas Car Mart)
America's Car-Mart is a leader in the buy-here, pay-here segment. The company sells used cars on credit to customers with poor credit in small towns. This chart illustrates the analyst community's opinion on the company's future. It measures the distance between the price and the target, reflecting their view on credit risk.
Analyst consensus forecast for stock prices by market segment - Auto Trade
America's Car-Mart (CRMT) is a "bank for drivers." It's a "buy here, pay here" (BHPH) used car dealership for customers with poor credit. This chart shows general expectations for the auto retail sector. It reflects whether experts believe subprime borrowers can repay their loans.
Analysts' consensus forecast for the overall market share price
America's Car-Mart is a used car dealership unique in that it finances purchases (provides loans) to its customers, primarily in the subprime segment. This chart shows overall market sentiment. For Car-Mart, whose business is high-risk lending, overall optimism is important because it reduces the risk of default on its loan portfolio.
AKIMA index of the company, segment and market as a whole
AKiMA Company Index Americas Car Mart
America's Car-Mart (CRMT) is a bank on wheels. They don't just sell used cars; their core business is buy-here, pay-here. They finance (lend) their subprime customers themselves. This chart is an assessment of their risky portfolio. It reflects their ability to manage high delinquency rates and their exposure to used car prices.
AKIMA Market Segment Index - Auto Trade
America's Car-Mart (CRMT) is a unique used car retailer (Buy Here Pay Here); the company not only sells, but also finances (provides loans) to subprime borrowers in small towns in the Southern United States. This aggregate metric evaluates companies. The graph shows the segment average. This benchmark: how does this integrated (auto + loan) model (CRMT) differentiate it from the average competitor?
The AKIM Index for the overall market
America's Car-Mart is a chain of buy-here, pay-here dealerships that sells used cars to customers with poor credit. This chart, which reflects the market average, provides a macro backdrop. It helps assess how the CRMT, which depends on the ability of subprime borrowers to pay, compares to the overall macroeconomic situation.