AMERICAS CARMART INC

Listed Company

CRMTCIK 0000799850NasdaqAcceleratedRetail-Auto Dealers & Gasoline StationsTexasFY ends Apr 30

Period

FY 2026

Revenue

$1.28B

Net Income

$-139.11M

Total Assets

$1.42B

Equity

$445.56M

Shares Out

8.33M

Op. Cash Flow

$64.96M

CRMT$3.72−93.34% · past yearDBEQ Basic

Daily closing prices

Business

America's Car-Mart, Inc. is an automotive retailer operating dealerships across the South-Central United States that sells used vehicles and provides in-house financing to customers with limited credit histories. The company originates and services installment sales contracts for older model vehicles, typically 5–12 years old. Operations are conducted through two subsidiaries—Car-Mart of Arkansas and Colonial Auto Finance—with dealership locations concentrated in Arkansas, Oklahoma, Missouri, and Texas.

Summary from 10-K filed 2026-07-14

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	Apr 30, 2026 2026-04-30	Apr 30, 2025 2025-04-30	Apr 30, 2024 2024-04-30
Revenues:	—	—	—
Sales	1,028	1,146	1,161
Interest and other income	254	245	233
Total revenues	1,282	1,391	1,394
Costs and expenses:	—	—	—
Cost of sales	664	726	759
Selling, general and administrative	208	189	179
Provision for credit losses	419	375	423
Interest expense	74	71	65
Impairment expense	11	0	0
Depreciation and amortization	8	8	7
Loss on extinguishment of debt	−4	0	0
(Gain) Loss on disposal of property and equipment	5,000	−299,000	−437,000
Total costs and expenses	1,389	1,368	1,434
(Loss) income before taxes	−108	23	−40
(Benefit of) provision for income taxes	31	5	−9
Net (loss) income	−139	18	−31
Less: Dividends on mandatorily redeemable preferred stock	40,000	40,000	40,000
Net (loss) income attributable to common stockholders, basic	−139	18	−31
Net (loss) income attributable to common stockholders, diluted	−139	18	−31
(Loss) earnings per share:	—	—	—
Basic (in dollars per share)	−16.79	2.38	−4.92
Diluted (in dollars per share)	−16.79	2.33	−4.92
Weighted average number of shares used in calculation:	—	—	—
Basic (in shares)	8	8	6
Diluted (in shares)	8	8	6

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	Apr 30, 2026 2026-04-30	Apr 30, 2025 2025-04-30
Assets:	—	—
Cash and cash equivalents	47	10
Restricted cash	85	115
Accrued interest on finance receivables	8	7
Finance receivables, net of allowance for credit losses of $329,901,000 and $323,100,000	1,079	1,181
Inventory	54	112
Income tax receivable, net	4	0
Prepaid expenses and other assets	31	38
Right-of-use asset	43	64
Goodwill	23	23
Property and equipment, net	43	57
Total Assets	1,417	1,606
Liabilities:	—	—
Accounts payable	32	35
Deferred revenue	96	113
Accrued liabilities	36	36
Income tax payable, net	0	1
Deferred income tax liabilities, net	34	7
Lease liability	50	67
Non-recourse notes payable, net	459	572
Senior Secured Notes Payable, net	264	0
Revolving line of credit, net	0	205
Total liabilities	971	1,037
Commitments and contingencies (Note M)	—	—
Mezzanine equity:	—	—
Mandatorily redeemable preferred stock	400,000	400,000
Equity:	—	—
Preferred stock, par value $0.01 per share, 1,000,000 shares authorized; 0 issued or outstanding	0	0
Common stock, par value $0.01 per share, 50,000,000 shares authorized; 15,657,592 and 15,605,818 issued at April 30, 2026 and April 30, 2025, respectively, of which 8,305,520 and 8,263,280 were outstanding at April 30, 2026 and April 30, 2025, respectively	157,000	156,000
Additional paid-in capital	211	195
Retained earnings	533	672
Less: Treasury stock, at cost, 7,352,072 and 7,342,538 shares at April 30, 2026 and April 30, 2025, respectively	299	298
Total stockholders' equity	446	569
Non-controlling interest	100,000	100,000
Total equity	446	570
Total Liabilities, Mezzanine Equity and Equity	1,417	1,606

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	Apr 30, 2026 2026-04-30	Apr 30, 2025 2025-04-30	Apr 30, 2024 2024-04-30
Operating Activities:	—	—	—
Net loss	−139	18	−31
Adjustments to reconcile net (loss) income to net cash provided by (used in) operating activities:	—	—	—
Provision for credit losses	419	375	423
Losses on claims for accident protection plan	36	35	35
Depreciation and amortization	8	8	7
Amortization of debt issuance costs	9	6	5
(Gain) loss on disposal of property and equipment	0	2,000	−437,000
Impairment of assets	11	0	0
Change in goodwill	36,000	140,000	267,000
Change in fair value of contingent consideration	0	161,000	0
Stock based compensation	4	5	4
Deferred income taxes	27	−11	−22
Loss on extinguishment of debt	−3	0	0
Change in operating assets and liabilities:	—	—	—
Finance receivable originations	952	1,075	1,080
Loan origination costs	−84,000	2,000	−40,000
Finance receivable collections	478	469	456
Accrued interest on finance receivables	597,000	525,000	792,000
Inventory	−180	−115	−139
Prepaid expenses and other assets	−6	7	7
Accounts payable and accrued liabilities	−3	18	−9
Deferred revenue	−17	−8	311,000
Income taxes, net	−5	4	6
Net cash provided by (used in) operating activities	65	−49	−74
Investing Activities:	—	—	—
Acquisition	0	8	5
Purchase of property and equipment	2	4	6
Proceeds from sale of property and equipment	289,000	42,000	316,000
Net cash provided by (used in) investing activities	−2	−11	−11
Financing Activities:	—	—	—
Exercise of stock options	0	0	−455,000
Issuance of common stock	218,000	74	282,000
Purchase of common stock	297,000	434,000	365,000
Dividend payments on subsidiary preferred stock	40,000	40,000	40,000
Change in cash overdrafts	−1	466,000	823,000
Debt issuance costs	20	9	6
Issuances of non-recourse notes payable	549	650	610
Payments on non-recourse notes payable	663	631	527
Proceeds from revolving line of credit	315	601	555
Payments on revolving line of credit	522	595	521
Loss on extinguishment of debt	2	0	0
Proceeds from senior secured notes payable	288	0	0
Net cash provided by (used in) financing activities	−56	90	111
Increase in cash, cash equivalents, and restricted cash	7	30	26
Cash, cash equivalents, and restricted cash beginning of period	125	94	68
Cash, cash equivalents, and restricted cash end of period	132	125	94

Filings

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Frequently asked questions

What is AMERICAS CARMART INC's CIK number?

AMERICAS CARMART INC's SEC CIK number is 0000799850 (799850). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find AMERICAS CARMART INC's SEC filings?

All of AMERICAS CARMART INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did AMERICAS CARMART INC last report earnings?

AMERICAS CARMART INC (CRMT) most recently filed an earnings 8-K with the SEC on Jul 14, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001171843-26-004623). This is AMERICAS CARMART INC's most recent earnings filing of record — not a forecast of its next earnings date.

What is AMERICAS CARMART INC's most recent earnings 8-K?

AMERICAS CARMART INC's latest earnings 8-K (Item 2.02) was filed Jul 14, 2026 under accession 0001171843-26-004623. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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