What is America's Car-Mart, Inc.'s Shariah compliance score?

America's Car-Mart, Inc. (CRMT) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does America's Car-Mart, Inc. pass AAOIFI screening?

America's Car-Mart, Inc. (CRMT) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. CRMT's debt-to-market-cap is 7676.9%.

How much purification is needed for America's Car-Mart, Inc.?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for America's Car-Mart, Inc. (CRMT) using the latest financial data.

Where can I screen America's Car-Mart, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for America's Car-Mart, Inc. (CRMT) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

CRMTNot HalalF

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Compliance Status

Not Halal

Screened on Oct 5, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is America's Car-Mart, Inc. (CRMT) halal? Not Halal. Based on AAOIFI screening, America's Car-Mart, Inc. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates America's Car-Mart, Inc. (CRMT) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 5, 2026. Source: https://halalscreener.app/en/stock/CRMT

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

7676.9% of 30.0% limit

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding CRMT

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

CRMT: Is America's Car-Mart, Inc. Halal?

America's Car-Mart, Inc.

NASDAQConsumer CyclicalUS

$1.35

Market Cap: 11.2M

Screened on a market cap of 8.7M

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About America's Car-Mart, Inc.

Through its various subsidiaries, America's Car-Mart, Inc. functions as an automotive retailer across the United States. The company's core business involves selling pre-owned, older model vehicles, complemented by providing financing solutions directly to its clientele. As of April 30, 2022, it managed 154 dealership locations, predominantly situated within the South-Central U.S. This Rogers, Arkansas-based enterprise commenced operations in 1981.

Sector: Consumer Cyclical · Industry: Auto - Dealerships

Why this does not pass

Interest-bearing debt is 7676.9% of market cap, over the 30% AAOIFI limit.
Interest-bearing deposits are over the 30% limit.

Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.

Shariah Compliance Status

AAOIFI Standard 21Updated Oct 5, 2026

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Institutional-grade Shariah analysis

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PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

Compliance History

Not Halal, unchanged since Aug 2026.

No status changes recorded since we began tracking.

Tracked since Aug 2026. Updates automatically on each re-screen.

Fiscal: Q1 2027Data source: EDGAR

Halal Alternatives in Consumer Cyclical

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

0380.KLA+

Aquawalk Group Berhad

$0.13

+0.00%

0393.KLA+

Teamstar Berhad

$0.23

-0.02%

3573.KLA+

Lien Hoe Corporation Berhad

$0.10

+0.00%

3891.KLA+

Malayan United Industries Berhad

$0.05

+0.13%

5336.KLA+

CUCKOO International (MAL) Berhad

$0.37

+0.00%

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Frequently Asked Questions

Is America's Car-Mart, Inc. (CRMT) halal to invest in?

America's Car-Mart, Inc. (CRMT) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did America's Car-Mart, Inc. get a F compliance rating?

America's Car-Mart, Inc. (CRMT) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 7676.9% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change America's Car-Mart, Inc.'s Shariah verdict?

America's Car-Mart, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is America's Car-Mart, Inc. re-screened for Shariah compliance?

America's Car-Mart, Inc. (CRMT) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Oct 5, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.