CRMT
America's Car-Mart, Inc.25.98
+1.13+4.53%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
215.50MP/E (TTM)
-Basic EPS (TTM)
-1.63Dividend Yield
0%Recent Filings
10-Q
8-K
8-K
8-K
Annual meeting results approved
America's Car-Mart held its 2025 annual stockholder meeting on September 25, electing all nine director nominees—Ann G. Bordelon, Jonathan Z. Buba, Douglas W. Campbell, Julia K. Davis, Daniel J. Englander, Brandi N. Joplin, Dawn C. Morris, Joshua G. Welch, and Jeffrey A. Williams—with overwhelming support exceeding 98% for each. Stockholders approved the advisory say-on-pay resolution for executive compensation by a wide margin and ratified Grant Thornton LLP as auditors for fiscal 2026. All votes passed decisively.
10-Q
Q1 FY2026 results
America's Car-Mart posted Q1 FY2026 revenues of $341.3M, down 1.9% y/y from $347.8M, as retail units sold fell 5.7% to 13,568 amid tighter inventory from higher vehicle costs, yet interest income climbed 7.5% y/y on a larger $1.52B finance receivables pool. Gross margin expanded to 36.6% from 35.0% y/y, lifting per-unit profit to $7,456, thanks to pricing discipline and lower repair costs, while SG&A rose 10.1% y/y to $51.4M on tech and staffing investments. Credit provision swelled 8.0% y/y to $103.0M (37.3% of sales), driving a net loss of $5.7M or $(0.69) per diluted share—worse than last year's $1.0M or $(0.15) loss—versus 8.3M shares (derived). Cash dipped to $9.7M with $20.8M revolver availability, total debt steady at $775.1M including $610.8M non-recourse notes at 7.86% average rate; free cash flow not disclosed in the 10-Q. A May 2025 securitization added $216.0M notes at 6.27% for receivables funding. Elevated charge-offs signal persistent pressure from customer affordability strains.
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