debt_leverage_profile
0.00x Total Debt / Equity (Conservative)
High
SEC-XBRL
interest_rate_sensitivity
Moderate
Medium
SEC-10K 0001628280-26-048191
geopolitical_supply_exposure
Medium intensity; China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
supply_chain_dependency
High
Medium
SEC-10K 0001628280-26-048191
international_expansion_readiness
Low
Medium
SEC-10K 0001628280-26-048191
geographic_footprint
Domestic (South-Central U.S. concentrated)
Medium
SEC-10K 0001628280-26-048191
commodity_exposure_profile
Medium intensity; commodities: steel, aluminum, petrochemical resins/plastics, copper, lithium and battery-grade materials (nickel, graphite), lumber, cotton; geopolitical: China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
vendor_lock_dependency_score
Moderate
Medium
SEC-10K 0001628280-26-048191
business_model_type_primary
Buy-here-pay-here automotive retailer / manufacturer
Medium
SEC-10K 0001628280-26-048191
business_model_type_secondary
Finance company / captive auto finance
Medium
SEC-10K 0001628280-26-048191
switching_cost_profile
Low
Medium
SEC-10K 0001628280-26-048191
howey_test_risk_index
Low
Medium
SEC-10K 0001628280-26-048191
regulatory_burden_tier
Medium
Medium
GICS-regulatory-overlay-v1
data_sovereignty_risk
Moderate
Medium
SEC-10K 0001628280-26-048191
antitrust_exposure_flag
No
Medium
SEC-10K 0001628280-26-048191
regulatory_exposure_profile
Medium burden; regimes: FTC, CPSC, NLRB, CFPB, GDPR, SEC; Evolving consumer protection and data-privacy rules squeeze retail margins.
Medium
GICS-regulatory-overlay-v1
revenue_model_type
Interest & fees + product sales
Medium
SEC-10K 0001628280-26-048191
monetization_vector
Recurring fees (interest) + per-unit sales + late fees
Medium
SEC-10K 0001628280-26-048191
pricing_architecture
Risk-based (tiered by credit score)
Medium
SEC-10K 0001628280-26-048191
pricing_power_rating
Moderate
Medium
SEC-10K 0001628280-26-048191
target_gross_margin_bracket
25.7% Gross Margin (Moderate (20-40%))
High
SEC-XBRL
churn_vulnerability_index
High
Medium
SEC-10K 0001628280-26-048191
headcount_cost_structure
Sublinear
Medium
SEC-10K 0001628280-26-048191
marginal_cost_of_growth
Sublinear
Medium
SEC-10K 0001628280-26-048191
franchise_compliance_risk
N-A
Medium
SEC-10K 0001628280-26-048191
customer_acquisition_metric
Dealership-based (in-person + digital)
Medium
SEC-10K 0001628280-26-048191
network_effect_present
No
Medium
SEC-10K 0001628280-26-048191
asset_efficiency_ratio
-7.6% Return on Assets (Negative equity)
High
SEC-XBRL
recession_resistance_tier
Mixed
Medium
SEC-10K 0001628280-26-048191
customer_segment_primary
Consumer (subprime/non-prime)
Medium
SEC-10K 0001628280-26-048191
customer_segment_secondary
No-credit or thin-file borrowers (recent immigrants, young adults) who cannot access traditional dealership financing; secondary segment represents ~20-25% of portfolio
Inferred
Agent_Inference
characteristic_occupations
["11-0000 Management Occupations", "13-0000 Business and Financial Operations Occupations", "15-0000 Computer and Mathematical Occupations", "23-0000 Legal Occupations", "25-0000 Educational Instruction and Library Occupations", "27-0000 Arts, Design, Entertainment, Sports, and Media Occupations", "35-0000 Food Preparation and Serving Related Occupations", "39-0000 Personal Care and Service Occupations", "41-0000 Sales and Related Occupations", "43-0000 Office and Administrative Support Occupations", "49-0000 Installation, Maintenance, and Repair Occupations", "51-0000 Production Occupations", "53-0000 Transportation and Material Moving Occupations"]
High
SOC-2018/GICS-overlay
agent_automatable_labor_share
0.22 (HIL — ~22% of characteristic roles agent-automatable)
Medium
SOC-2018 + agentic-exposure-v2
capital_expenditure_profile
0.2% CapEx / Revenue (Low-CapEx Asset-Light)
High
SEC-XBRL
sec_cik
0000799850
High
SEC-EDGAR
ticker
CRMT
High
SEC-EDGAR