Monitor for further institutional selling given the concentrated passive exits. The 13F lag means these positions may already be unwound; corroborate with recent price action and volume. Past CRMT cluster signals have underperformed, so bias toward caution.
Executive Summary
Net institutional selling in CRMT exceeded buying by $3.2M (16% of market cap) in Q4 2025, driven by mega-passive funds reducing positions. The cluster is dominated by passive rebalancing rather than active thesis, limiting signal strength. Historical poor performance on CRMT calls suggests caution.
Key Financial Metrics
Institutional Positions
Net institutional flow: -$3.2M
▲ Buyers (4)
| Institution | Action | Change | Position Value | Value Δ |
|---|---|---|---|---|
| Schwab | ADD | +42.2% | $4.9M | $906.0K |
| Morgan Stanley | ADD | +43.4% | $2.4M | $459.0K |
| Wells Fargo | ADD | +38.6% | $202.0K | $34.0K |
▼ Sellers (4)
| Institution | Action | Change | Prev Value | Value Δ |
|---|---|---|---|---|
| State Street | TRIM | -25.1% | $5.7M | -$2.0M |
| Fidelity | NEAR_EXIT | -97.2% | $1.1M | -$1.1M |
| D.E. Shaw | TRIM | -60.9% | $1.6M | -$1.0M |
Key Facts
- 4 buyers added $1.4M (all mega-passive adds); 4 sellers reduced by $4.6M (mostly mega-passive trims/exit + one quant trim)
- Net distribution of $3.2M represents ~16% of CRMT's $20M market cap
- Only active manager is D.E. Shaw (quant) trimming 60.9% of its position
- Historical CRMT predictions have 33% win rate at T+20 with avg -1.96% return
Financial Impact
Net institutional selling of $3.2M (16% of market cap) in Q4 2025
Risk Factors
- 13F lag — Q4 positions may not reflect current holdings
- Passive rebalancing may distort signal strength
- Small market cap ($20M) amplifies volatility
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 institutional 13F filing from SEC EDGAR.
| Document | Accession Number |
|---|---|
| INST-CLUSTER Data (Synthetic) | inst-cluster-CRMT-2025-Q4 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 11, 2026 21d ago | 8-K | $1.90 $1.74 | ▲ +8.42% | ▲ +8.20% | — |
Sep 9, 2026 23d ago | 8-K | $1.48 $1.74 | ▼ −17.57% | ▼ −17.90% | — |
Sep 4, 2026 28d ago | 8-K | $2.49 $1.68 | ▲ +32.53% | ▲ +31.41% | — |
Aug 14, 2026 7w ago | Institutional Cluster | $3.14 $2.22 | ▼ −29.30% | ▼ −28.11% | — |
Aug 14, 2026 7w ago | DEFA14A | $3.09 $2.38 | ▼ −22.98% | ▼ −21.61% | — |
Jul 14, 2026 11w ago | 8-K | $4.28 $3.45 | ▲ +19.39% | ▲ +18.10% | — |
Jul 14, 2026 11w ago | Press Release | $4.28 $3.45 | ▲ +19.39% | ▲ +18.10% | — |
Jun 20, 2026 14w ago | Press Release | $3.01 $2.60 | ▲ +13.62% | ▲ +11.55% | — |
Jun 11, 2026 16w ago | Institutional Cluster | $2.69 $2.21 | ▼ −17.84% | ▼ −18.28% | — |
Jun 11, 2026 16w ago | Institutional Cluster | $2.69 $2.21 | ▲ +17.84% | ▲ +18.28% | — |
US Market Status
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