{"filings":[{"id":1620636,"accession_number":"0001171843-26-004623","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2026-07-14T13:15:30+00:00","items":["2.02","9.01"],"status":"ready","headline":"Car-Mart reports FY2026 loss of $16.79/share; going-concern doubt disclosed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $1,281.5M, down 7.9% YoY; retail units sold 48,891, down 14.3%.","GAAP loss per share $16.79; adjusted loss per share $3.71; net charge-offs 27.6% of avg finance receivables.","Going-concern doubt raised due to liquidity constraints and covenant milestones under June 19 credit amendment.","Credit agreement amended June 19, 2026, providing covenant relief and time for strategic review.","Dealership count reduced from 154 to 94; $11.0M non-cash impairment on consolidations."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1279199,"accession_number":"0001171843-26-004311","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2026-06-25T21:20:22+00:00","items":["1.01","5.02","8.01","9.01"],"status":"ready","headline":"Car-Mart gets limited waiver on loan defaults; pays $18M fee; CFO resigns","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Lenders waive specified defaults (liquidity, collateral, reporting) through at least Sept 7, 2026, subject to milestones; company pays up to $18M in fees.","Revised minimum liquidity set at $7M weekly / $5M otherwise; minimum collateral coverage ratio 1.25:1 (June 30) or 1.20:1 monthly thereafter.","CFO Jonathan Collins resigns effective July 31; Marie Persichetti appointed CFO effective Aug 1, with base salary $425K plus $200K retention award.","Director Julia Davis resigns; board appoints Gilbert Nathan and Michael Wartell as independent directors; each gets $45K/month plus $4K/day for extended duties.","Company continues strategic alternatives review with Houlihan Lokey, FTI Consulting, Mayer Brown; warns no assurance of successful outcome."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1029444,"accession_number":"0001171843-26-004099","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2026-06-12T21:00:18+00:00","items":["1.01"],"status":"ready","headline":"America's Car-Mart extends lender forbearance to June 19, 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Forbearance period under Credit Agreement extended through June 19, 2026, from June 12, 2026.","Company negotiating amendment with agent and lenders to resolve anticipated defaults.","No assurance amendment will be reached; risk of acceleration remains.","Forbearance initially disclosed on June 5, 2026 Form 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":890957,"accession_number":"0001171843-26-003947","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2026-06-05T21:30:18+00:00","items":["1.01","5.02","8.01","9.01"],"status":"ready","headline":"America's Car-Mart gets lender forbearance through June 12; awards $2.6M retention cash to execs","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Lender forbearance through June 12, 2026; anticipated defaults on minimum liquidity and collateral coverage covenants.","CEO Douglas Campbell receives $1.2M cash retention award and 190,600 stock options (60,307 initial, 130,293 contingent).","CFO Jonathan Collins gets $563,000 cash retention and 45,380 options; COO $531,000/50,660; CAO $300,000/16,336.","Options split: Initial Options from current pool; Contingent Options require shareholder approval at Sept 2026 annual meeting.","Special Committee evaluating strategic alternatives including recapitalization; Houlihan Lokey and FTI Consulting retained."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":749276,"accession_number":"0001171843-26-003809","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2026-05-29T21:30:17+00:00","items":["1.01","5.02","8.01","9.01"],"status":"ready","headline":"America's Car-Mart forms special committee for strategic alternatives; appoints new independent director","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board appointed Adam Paul as independent director and chair of new Special Committee to oversee strategic review.","Retained Houlihan Lokey as financial advisor to evaluate financing, recapitalization, M&A, and other options.","Special Committee includes Adam Paul (Chair), Joshua Welch, and Jonathan Buba.","Adam Paul receives $45,000/month for minimum 3 months plus $4,000 per diem for extended duties."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98944,"accession_number":"0001171843-26-002302","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2026-04-07T23:59:59+00:00","items":["2.05","2.06","7.01","9.01"],"status":"ready","headline":"America's Car-Mart to close 42 stores (31% of total); non-cash impairment ~$14M due to capital constraints","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved closure of 42 of 136 dealerships, completed by April 14, 2026; remaining 94 locations.","Expects non-cash impairment charge of approx $14M in Q4 FY2026 (ending April 30) for right-of-use assets, leasehold improvements.","Closure driven by inability to secure warehouse facility; cites broader market conditions and extended timeline.","Cash charges for employee separation and lease exit costs not yet estimable; reduced origination volumes expected.","CEO letter notes $1.5B receivables portfolio; engaged additional potential warehouse lenders; 65% of payments via digital platform."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114676,"accession_number":"0001171843-26-001507","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2026-03-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Car-Mart Q3: Revenue $286.8M (-12%), GAAP EPS -$9.25, units -22.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $286.8M (-12% YoY); retail units sold 10,275 (-22.1%).","GAAP EPS -$9.25; adjusted EPS -$1.53 on non-cash $47M DTA valuation allowance.","Gross profit per unit +8.8% to $7,762; gross margin 35.8% vs 35.7%.","Net charge-offs as % of avg. receivables 6.5% vs 6.1%; 30+ day delinquencies 4.4% vs 3.7%.","Completed Phase 2 consolidations (136 dealerships); closed $300M term loan and $161.3M ABS."],"consensus_eps_estimate":null,"consensus_eps_actual":-12.67,"consensus_revenue_estimate":null,"consensus_revenue_actual":978676000.0,"consensus_period":"2026-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131049,"accession_number":"0001171843-25-008088","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-12-23T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Car-Mart completes $161.3M ABS securitization with new residual structure improving capital efficiency","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $128.2M Class A notes at 5.87% and $33.1M Class B notes at 8.42%.","Net proceeds of ~$159.7M used for general corporate purposes and reserve deposits.","New residual cash flow structure retains more value; weighted avg coupon 7.02% vs 5.46% on 2025-3.","Transaction improves liquidity, capital efficiency; expected to reduce long-term cost of capital.","Class A notes mature May 2030, Class B Aug 2032; credit enhancement via over-collateralization."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131048,"accession_number":"0001171843-25-007749","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-12-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"America's Car-Mart Q2 GAAP loss $2.71/sh; closes $300M term loan; net charge-offs rise to 7.0%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP loss per share $2.71; adjusted loss per share $0.79; total revenue $350.2M (+0.8% YoY).","Net charge-offs 7.0% of avg finance receivables (up from 6.6% YoY); provision for credit losses $119.1M vs $99.5M.","Closed $300M term loan from Silver Point, repaid revolver; issued warrants for 937,487 shares at $22.63.","Closed 5 underperforming stores post-quarter; expects $10.1M annualized expense savings.","Gross margin 37.5% (down 190 bps); allowance for credit losses 24.19% of finance receivables."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":691282000.0,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131047,"accession_number":"0001171843-25-007039","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["1.01","1.02","2.03","3.02","7.01","9.01"],"status":"ready","headline":"America's Car-Mart closes $300M term loan, repays $162.9M ABL, issues warrants","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$300M senior secured term loan from Silver Point Capital, matures Oct 30, 2030, interest at SOFR+7.5%.","Proceeds used to repay $162.9M outstanding ABL facility; incurred $1.8M prepayment penalty.","Issued warrants to purchase 937,487 shares (~10% fully diluted) at $22.63 exercise price, expiring Oct 30, 2031.","Loan collateralized by finance receivables, inventory, and equity interests of subsidiaries.","Company simplifies capital structure; CFO cites improved flexibility for originations and ABS program."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147639,"accession_number":"0001171843-25-006136","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-09-29T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"America's Car-Mart annual meeting election results: all directors elected","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 9 director nominees elected with at least 94% of votes cast for each.","Advisory vote on executive compensation approved: 5,948,778 for, 45,365 against.","Ratification of Grant Thornton LLP as auditor for FY 2026 passed with 7,450,867 for.","Total shares outstanding & entitled to vote: 8,545,223 as of July 31, 2025 record date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147638,"accession_number":"0001171843-25-005725","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-09-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"America's Car-Mart Q1 loss $0.69/share; revenue down 1.9%, sales volumes drop 5.7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss per share of $0.69 vs. loss of $0.15 in prior-year quarter; revenue $341.3M, down 1.9%.","Retail units sold fell 5.7% to 13,568; average selling price rose 1.4% to $19,564.","Gross margin improved 160 bps to 36.6%; allowance for credit losses improved to 23.35% from 25.00%.","Net charge-offs as % of avg. finance receivables increased to 6.6% from 6.4%; 30+ day delinquencies up to 3.8%.","Completed $172M ABS securitization on Aug 28 with 5.46% coupon, 81 bps improvement over May 2025 issuance."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":341312000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147637,"accession_number":"0001171843-25-005678","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-09-02T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"America's Car-Mart closes $172M ABS securitization; weighted average coupon improves 81 bps","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $172M in asset-backed notes: $133.34M Class A (5.01%) and $38.62M Class B (6.08%).","Weighted average coupon 5.46%, improving 81 bps from May 2025 securitization and 308 bps since 2024-1.","Class A notes ~8x oversubscribed, Class B nearly 16x oversubscribed, indicating strong demand.","Net proceeds of ~$170.7M to repay outstanding debt and fund reserve accounts for noteholders.","Notes rated A(sf) and BBB(sf) by S&P; collateralized by $291.5M in customer installment contracts."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147636,"accession_number":"0001171843-25-005409","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-08-14T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"America's Car-Mart regains Nasdaq compliance after filing annual report","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Filed Form 10-K for FY ended April 30, 2025 on August 8, 2025.","Received Nasdaq notice on August 13, 2025 confirming compliance with Listing Rule 5250(c)(1).","Delinquency matter is now formally closed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147635,"accession_number":"0001171843-25-004954","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-08-01T23:59:59+00:00","items":["3.01","9.01"],"status":"ready","headline":"Car-Mart (CRMT) receives Nasdaq delisting notice for late FY2025 10-K","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Notice received July 31, 2025; must submit compliance plan by September 29, 2025.","Delay due to needed ASC 310 loan modification disclosures and material weaknesses.","Nasdaq may grant exception until January 26, 2026 to file the Annual Report.","No immediate effect on listing or trading of CRMT common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147634,"accession_number":"0001171843-25-004811","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["4.02","7.01","9.01"],"status":"ready","headline":"America's Car-Mart restates reliance on prior financials due to omitted loan-mod disclosures; 10-K delayed","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Non-reliance on financials for FY2024 and each FY2025 quarter through Jan 31, 2025 – missing ASC 310-10-50 loan-modification footnote disclosures.","Company expects to report one or more material weaknesses in internal control over financial reporting in the upcoming 10-K.","No change to previously reported earnings, balance sheet, cash flows, or equity – only footnote omissions.","10-K for FY ended Apr 30, 2025 not filed within extension expiring July 29, 2025; no new filing date given.","Expects Nasdaq notice for non-compliance with Listing Rule 5250(c)(1); no immediate impact on trading."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166302,"accession_number":"0001171843-25-003851","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-06-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"America's Car-Mart Q4 EPS $1.26 vs $0.06; FY25 EPS $2.33 vs loss $4.92","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $370.2M (+1.5%); sales volumes up 2.6% to 15,649 units.","Gross margin 36.4% (+90bps); net charge-offs improved to 6.9% vs 7.3%.","FY25 diluted EPS $2.33 vs loss $4.92; revenue $1.4B flat.","Completed $216M securitization at 6.27% coupon on May 29, 2025.","Active customers up 2.4% to 104,682; SG&A rose 8.6% to $48.3M."],"consensus_eps_estimate":-0.4993,"consensus_eps_actual":2.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":1390932000.0,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166301,"accession_number":"0001171843-25-003669","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-06-04T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Car-Mart closes $216M asset-backed securitization at 6.27% weighted average coupon","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $165.18M Class A notes at 5.55% and $50.82M Class B notes at 7.25%.","Weighted average coupon improved 22 bps to 6.27% vs Jan 2025 and 107 bps vs Oct 2024.","Net proceeds ~$214.5M used to repay outstanding debt and fund reserve accounts.","Notes backed by $363M in installment contracts; Class A rated A(sf), Class B BBB(sf).","CEO Doug Campbell: transaction reflects growing market confidence in Car-Mart's portfolio."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166300,"accession_number":"0001171843-25-003122","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-05-13T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Car-Mart names Jonathan Collins CFO effective May 12; Vickie Judy becomes CAO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Collins joins from Walmart Africa, where he served as CFO since 2023; prior roles include CAO at Flipkart Group.","Collins receives $450K base salary, $325K restricted stock (3-yr vest), $325K stock options (5-yr vest).","Vickie Judy, CFO since 2010, transitions to Chief Accounting Officer; praised for growing loan portfolio 450%+.","Severance: 12 months base salary on termination without cause; change-in-control triggers double-trigger cash and equity acceleration.","Fiscal 2026 bonus eligible up to 120% of base, with guaranteed minimum 60% payout prorated for service days."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183748,"accession_number":"0001171843-25-001443","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K/A","filed_at":"2025-03-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Car-Mart Q3 EPS $0.37 vs loss $1.34; revenue up 8.7% to $325.7M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $325.7M (+8.7% YoY); retail units sold 13,198 (+13.2%).","Diluted EPS $0.37 vs loss per share $1.34 in prior year Q3.","Gross margin 35.7% (+150 bps); net charge-offs improved to 6.1% from 6.8%.","Allowance for credit losses at 24.31%, down from 24.72% sequentially.","Completed $200M securitization (6.49% coupon) and amended ABL to $350M (maturity Mar 2027)."],"consensus_eps_estimate":0.9109,"consensus_eps_actual":0.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":1020758000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183751,"accession_number":"0001171843-25-001354","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-03-10T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"America's Car-Mart Q3 revenue +8.7%, EPS $0.37 vs -$1.34 loss","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $325.7M, up 8.7% YoY; retail units sold 13,198 (+13.2%).","GAAP diluted EPS $0.37 vs loss per share of $1.34 in prior-year quarter.","Gross margin 35.7%, up 150 bps YoY; net charge-offs improved to 6.1% from 6.8%.","Completed $200M term securitization with 6.49% coupon, 95 bps better than Oct 2024 deal.","Amended ABL facility to $350M, maturity extended to March 2027."],"consensus_eps_estimate":0.9109,"consensus_eps_actual":0.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":1020758000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183750,"accession_number":"0001171843-25-001286","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-03-06T23:59:59+00:00","items":["1.01","2.02","2.03","9.01"],"status":"ready","headline":"America's Car-Mart extends and upsizes ABL facility to $350M, maturing March 2027","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Upsized from $320M to $350M; maturity extended to March 31, 2027.","Approx. $75M drawn on facility as of Jan 31, 2025; also completed $200M ABS transaction.","New lenders joined (Banc of California, EverBank, Forbright); minimum availability covenants set at $20M or $50M.","Fixed charge coverage ratio covenant set at 1.0x through Feb 2025, stepping to 1.25x by July 2026.","Capital expenditure limit reduced from $35M to $25M per fiscal year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183749,"accession_number":"0001171843-25-000643","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2025-02-05T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"America's Car-Mart completes $200M securitization at 6.49% weighted avg coupon, 95 bps improvement","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$150.77M Class A notes at 5.38% and $49.23M Class B notes at 7.87%; weighted average coupon 6.49%.","Weighted avg coupon improved 95 bps vs Oct 2024 securitization; transaction oversubscribed over 10 times.","Net proceeds of ~$198.5M used to repay outstanding debt and fund reserve accounts.","Notes mature Nov 20, 2031; S&P rated Class A A(sf), Class B BBB(sf).","CFO cites confidence in asset quality, boosted by migration to new loan origination system."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200343,"accession_number":"0001171843-24-006751","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-12-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Car-Mart Q2 revenue $347.3M, EPS $0.61; adjusted loss $0.24; unit sales down 9.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $347.3M, down 3.5% YoY; retail units sold 13,784 (-9.1%).","Diluted EPS $0.61 vs loss $4.30; adjusted loss per share $0.24 excluding $13.2M service contract accounting change.","Gross margin improved to 39.4% (adjusted 36.5%, up 200 bps); net charge-offs improved to 6.6% from 7.2%.","Completed equity offering ($73.8M net) and ABS securitization ($297.9M net); debt to finance receivables improved to 51.8%.","Allowance for credit losses decreased to 24.72% from 25.00% sequentially; 50% of portfolio under new LOS."],"consensus_eps_estimate":0.9744,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":695032000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200342,"accession_number":"0001171843-24-005744","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-10-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"America's Car-Mart closes partial overallotment sale of 138,272 shares at $43.00, netting $5.6M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["On Oct 22, 2024, Company closed sale of 138,272 shares at $43.00 per share (partial exercise of overallotment option).","Net proceeds from the Option Shares were approximately $5.6 million after underwriting discounts and commissions.","Combined with the prior Firm Shares offering (1.7M shares, $67.8M net), total net proceeds from the offering are ~$73.4M.","Shares sold under existing shelf registration statement on Form S-3 effective August 14, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200341,"accession_number":"0001171843-24-005593","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-10-11T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"America's Car-Mart closes $300M securitization; weighted avg coupon 7.44%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $228.2M Class A Notes (6.06%) and $71.8M Class B Notes (9.21%).","Advance rate of 59.15% on $507.2M of receivables backing the notes.","Net proceeds ~$297.9M used to repay debt and fund reserve accounts.","Weighted average coupon improved by 198 bps vs Jan 2024 securitization.","Notes mature Feb 2029 (Class A) and Aug 2031 (Class B); rated A(sf)/BBB(sf) by S&P."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216381,"accession_number":"0001171843-24-005335","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-09-24T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Car-Mart appoints Jamie Fischer as COO effective Oct 7, 2024; she joins from DriveTime.","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointment effective October 7, 2024; Fischer reports to CEO Doug Campbell.","Fischer joins from DriveTime where she was Head of Operations, overseeing 149 dealerships and 15 reconditioning centers.","Compensation includes $400K base salary, $200K signing bonus (half at start, half at 12 months), and $250K restricted stock grant (1-year cliff vest).","Entitled to annual bonus (100% base guarantee for FY2025, max 120%), long-term incentive awards, and severance of 12 months' salary if terminated without cause."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216380,"accession_number":"0001171843-24-005293","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-09-20T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Car-Mart prices 1.7M-share offering at $43/share; net proceeds ~$67.8M to repay debt","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Pricing of 1.7M shares at $43.00/share; gross proceeds $73.1M before underwriting discounts and expenses.","Underwriters granted 30-day option for up to 255K additional shares at same price (up to $10.97M gross).","Net proceeds primarily to repay outstanding balance on revolving credit facilities; remainder for general corporate purposes.","Jefferies LLC acts as sole bookrunning manager; offering closed September 20, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216379,"accession_number":"0001171843-24-005243","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-09-18T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Car-Mart reduces revolver by $20M to $320M, tightens covenants, restricts buybacks","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Line of credit reduced by $20M to $320M; minimum $20M availability required after Oct 15 (or $50M if borrowings >= $300M).","Must use proceeds of any $50M+ junior capital raise to pay down revolver; if not completed by Oct 31, pay 0.10% fee.","Amended fixed charge coverage ratio covenant with rising minimums (e.g., 1.10x for periods ending after Aug 2025).","Company restricted from future common stock repurchases; additional restrictions on other shareholder distributions.","Must engage a financial advisor acceptable to lenders within 14 days; also required to implement full cash dominion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216378,"accession_number":"0001171843-24-005048","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-09-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"America's Car-Mart Q1 FY2025: Revenue down 5.2%, posts $0.15 loss per share vs $0.63 EPS last year","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $347.8M (down 5.2%), net loss $0.15 diluted EPS vs $0.63 diluted EPS prior year.","Retail units sold 14,391 (down 9.6%), average retail sales price $19,250 (up 2.4%).","Net charge-offs as % of avg finance receivables 6.4% vs 5.8%; allowance for credit loss 25.0% vs 25.32%.","Down payment percentage improved to 5.2% from 5.0%; new LOS originations 40% of portfolio.","SG&A $46.7M flat; debt to finance receivables 53.4% vs 49.3%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":347763000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216377,"accession_number":"0001171843-24-004987","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-08-30T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Stockholders approve 2024 Equity Incentive Plan authorizing 500,000 shares; directors re-elected","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["2024 Equity Incentive Plan approved with 3,608,745 votes for, 1,181,342 against; 500,000 shares authorized.","All eight director nominees elected, each receiving over 4.6M votes for; broker non-votes ~1.04M.","Advisory vote on executive compensation passed with 4,643,732 for and 146,429 against.","Ratification of Grant Thornton LLP as independent auditor for FY ending April 30, 2025 approved (5,815,431 for)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216376,"accession_number":"0001171843-24-004021","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-07-18T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"America's Car-Mart secures $150M warehouse loan facility; amends credit covenants","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Entered $150M warehouse loan facility with Atlas Securitized Products Funding 1, L.P., maturing July 12, 2026.","Interest rate on warehouse facility is Term SOFR plus 350 basis points; recourse limited to 10% of aggregate borrowed.","Amendment No. 7 to credit agreement lowers fixed charge coverage ratio from 0.75x to 1.25x over 12 months.","Company must provide a cash dominion plan within 30–60 days or face an Event of Default.","New collateral reserve of $11.27M initiated, adjustable monthly based on EBITDA vs. Fixed Charges."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235943,"accession_number":"0001171843-24-003682","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-06-27T23:59:59+00:00","items":["5.05","9.01"],"status":"ready","headline":"Car-Mart Board approves updated Code of Conduct and Ethics on June 24, 2024","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved and adopted updated Code of Conduct and Ethics on June 24, 2024.","Code applies to all directors, officers and employees of America's Car-Mart.","Supersedes the prior Code of Business Conduct and Ethics adopted in 2016.","Updates modernize language/structure, promote risk mitigation, and reflect operational changes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235942,"accession_number":"0001171843-24-003488","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-06-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"America's Car-Mart Q4 revenue down 5.8%; EPS $0.06 vs $0.32; FY loss per share $4.92","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $364.7M, down 5.8% YoY; diluted EPS $0.06 vs $0.32.","Full year diluted loss per share $4.92 vs prior year EPS of $3.11.","Gross margin improved to 35.5% (up 200 bps); total collections rose 5.0% to $187.2M.","Net charge-offs as % of avg finance receivables increased to 7.3% from 6.3%.","Acquired Texas Auto Center (two dealerships in TX) closed June 3, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":-4.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":1393894000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253694,"accession_number":"0001171843-24-001246","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-03-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Car-Mart reports Q3 loss of $1.34/share; revenue down 7.9%, sales volume down 19.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss per share $1.34 (diluted) vs $0.23 diluted EPS prior year; revenue $299.6M down 7.9%.","Retail units sold 11,664 down 19.6% from 14,508; average retail sales price up 7.5% to $19,455.","Gross profit per unit up 10.5% to $7,043; net charge-offs 6.8% vs 5.9% (down 40 bps sequentially).","Allowance for credit loss adjusted to 25.74% (down 30 bps sequentially) providing $3.9M benefit.","Entered strategic partnership with Cox Automotive; completed $250M securitization at 9.5% fixed coupon."],"consensus_eps_estimate":null,"consensus_eps_actual":-4.99,"consensus_revenue_estimate":null,"consensus_revenue_actual":1029221000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253693,"accession_number":"0001171843-24-001193","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-03-05T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"America's Car-Mart amends credit facility: reduces capacity to $340M, extends to Sep 2025, adds tighter covenants","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Total credit facility reduced from $600M to $340M; accordion feature restored to $100M.","Term extended to September 30, 2025; unused line fee rises to 0.50% if borrowings <50% of commitments.","New fixed charge coverage ratio: 1.00x through Aug 2024, 1.15x Sep-Dec 2024, 1.25x from Jan 2025.","Eligible vehicle inventory purchase limit raised to $20K for cars, $30K for trucks; acquisition cap increased to $20M/year.","Wells Fargo and CIBC Bank USA exited; BMO Harris ($88M) and Axos Bank ($84M) are new lead lenders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253692,"accession_number":"0001171843-24-000553","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-02-02T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"America's Car-Mart completes $250M securitization of auto receivables","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $183.19M Class A notes at 7.71% and $66.81M Class B notes at 11.40% via ACM Auto Trust 2024-1.","Net proceeds of ~$248.2M used to pay outstanding debt and fund reserve accounts.","Notes mature January 21, 2031; monthly interest/principal payments begin Feb 20, 2024.","S&P rated Class A notes 'A(sf)' and Class B notes 'BBB(sf)'."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253691,"accession_number":"0001171843-24-000465","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2024-01-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Car-Mart amends CEO Campbell's equity awards; $3.36M restricted stock, $5.04M options","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amendment adjusts CEO Campbell's restricted stock award to $3.36M and adds $5.04M stock option award.","Grant by Jan 29, 2024; restricted stock vests in three equal annual installments, options vest on Dec 19, 2026 subject to performance.","Effective date of amendment is Oct 1, 2023; fair market value basis changed to signing date (Dec 19, 2023).","No additional long-term equity awards until Oct 1, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271135,"accession_number":"0001171843-23-007701","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K/A","filed_at":"2023-12-26T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"America's Car-Mart details CEO Campbell's $800K salary, $8.4M equity grant, and Williams' retirement terms","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Campbell's base salary $800K, target bonus 125% for FY2024.","Receives restricted stock $3.36M (3-yr vest) and stock option $5.04M (vests Sept 2026, performance-based).","Employment term 2 years, auto-renew; non-compete 1 year post-employment.","Williams: CEO Emeritus consultant for one year, $20K/month consulting fee, stock options continue vesting.","Williams receives health insurance for 2 years, no non-employee director compensation during consulting period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271139,"accession_number":"0001171843-23-007430","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-12-05T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"America’s Car-Mart reports Q2 loss of $4.30 per share; credit loss allowance increased","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue up 2.8% to $361.6M; unit sales down 4.6% to 15,162.","GAAP loss per share $4.30 vs. $0.48 diluted EPS in prior year; includes $3.40 non-cash charge for allowance increase.","Net charge-offs as % of avg finance receivables rose to 7.2% from 5.8%; allowance increased to 26.04%.","Gross margin improved to 34.3% from 32.1%; gross profit per unit $6,835 vs $6,132.","Board elected Jonathan Z. Buba as independent director; also agreed to acquire Central Auto Sales in Hot Springs."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":729607000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271138,"accession_number":"0001171843-23-006715","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-11-03T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"America's Car-Mart enters separation agreement with former SVP Leon Walthall","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Former SVP of Field Operations Leon Walthall's employment ended effective October 20, 2023.","Separation agreement provides $200,000 cash payment in four equal installments through July 31, 2024.","Walthall remains subject to confidentiality, non-competition, and other covenants from June 2021 Change in Control Agreement.","Agreement includes general release of claims; subject to seven-day revocation period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271137,"accession_number":"0001171843-23-006395","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-10-25T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"America's Car-Mart SVP of Field Operations Leon Walthall departs effective Oct 20, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Leon L. Walthall, Senior Vice President of Field Operations, agreed to leave his role.","Employment termination effective October 20, 2023.","No replacement or successor named for the SVP position."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271136,"accession_number":"0001171843-23-006290","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-10-17T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Former CEO and Board member William 'Hank' Henderson passes away","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["William 'Hank' Henderson passed away on October 14, 2023.","He served as CEO from October 2007 to December 2017 and on the Board since 2002.","Henderson joined America's Car-Mart in 1987 and held various roles before becoming CEO.","The company expressed condolences but announced no immediate leadership changes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288019,"accession_number":"0001171843-23-005551","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-09-05T23:59:59+00:00","items":["2.02","5.02","7.01","9.01"],"status":"ready","headline":"America's Car-Mart Q1 EPS $0.63 on $368M revenue; CEO succession to Doug Campbell","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.63 vs $2.07 a year ago; revenue $368M, up 8.6% YoY.","Provision for credit losses 30.9% of sales (vs 25.9%); net charge-offs 5.8% (vs 5.1%).","Interest income rose 27.3% to $56.5M; gross margin improved 120 bps sequentially to 36%.","President Doug Campbell promoted to CEO effective Oct 1, 2023; Jeff Williams becomes CEO Emeritus through FY2024.","Company expects higher future gross margins; continuing LOS and ERP technology investments."],"consensus_eps_estimate":null,"consensus_eps_actual":0.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":368025000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288018,"accession_number":"0001171843-23-005524","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-09-01T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"America's Car-Mart annual meeting elects directors, approves say-on-pay, and ratifies auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All seven director nominees elected with >94% of votes cast (excluding broker non-votes).","Say-on-pay advisory resolution approved with 97.2% of votes cast (4,646,118 for, 65,399 against).","Stockholders voted every three years for frequency of say-on-pay; board opted to hold advisory votes annually until 2029.","Ratification of Grant Thornton LLP as auditor for FY2024 approved with 99.0% of votes cast."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288017,"accession_number":"0001171843-23-004506","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-07-14T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"America's Car-Mart adopts new Short-Term Incentive Plan with FY2024 performance metrics for executive officers","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New annual cash bonus plan; target bonus as % of salary: CEO & President 100%, CFO 75%.","FY2024 performance metrics: ROE (30%), SG&A per customer (30%), EVA by dealership (30%), discretionary (10%).","Payout ranges from 80% (threshold) to 120% (max) per metric, overall up to 200% of target.","Maximum annual payout per participant capped at $4M; plan effective April 1, 2023.","Upon death/disability, bonus prorated; other termination forfeits unless committee decides."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288016,"accession_number":"0001171843-23-004447","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-07-11T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"America's Car-Mart closes $360.3M auto loan securitization; 7.97%/9.85% notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $271.6M Class A (7.97%) and $88.7M Class B (9.85%) notes via ACM Auto Trust 2023-2.","Net proceeds of ~$356.4M to repay debt, provide operating liquidity, and fund reserve accounts.","Notes mature June 20, 2030; monthly principal/interest payments start July 20, 2023.","S&P ratings: Class A A(sf), Class B BBB(sf); credit enhancement via over-collateralization and reserves.","Securitization collateralized by auto loans originated by America's Car-Mart subsidiaries."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308412,"accession_number":"0001171843-23-004262","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-06-29T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"America's Car-Mart files $400M shelf registration for potential future capital raising","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Filed $400M shelf registration on Form S-3 on June 29, 2023, covering common stock, preferred, debt, rights, and warrants.","Cites current disruption in used automotive retail industry as potential opportunity; no immediate plans to issue securities.","Intends to enhance financial flexibility for acquisitions or strategic initiatives that could be accretive."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308411,"accession_number":"0001171843-23-003540","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-05-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"America's Car-Mart Reports Q4 Fiscal 2023: Revenue Up 12.2% but EPS Plunges to $0.32","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenues of $388.3M, up 12.2% vs prior year Q4, with unit sales up 7.5%.","Diluted EPS fell to $0.32 from $3.97 a year ago due to higher credit losses and interest expense.","Provision for credit losses was 30.4% of sales (vs 23.1% prior year) and net charge-offs 6.3% of avg receivables.","Inventory decreased $22.3M sequentially, and total debt to finance receivables rose to 46.5%.","Kroll Bond Rating Agency upgraded ratings on three classes of notes from April 2022 securitization."],"consensus_eps_estimate":null,"consensus_eps_actual":3.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":1405498000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327240,"accession_number":"0001171843-23-001280","cik":799850,"company_name":"AMERICAS CARMART INC","ticker":"CRMT","form_type":"8-K","filed_at":"2023-03-01T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"America's Car-Mart amends credit facility to include contracts up to 72 months, waives prior borrowing trigger event","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amendment expands borrowing base to include vehicle contracts with original terms up to 72 months (previously max 60 months); contracts >60 months capped at 15% of eligible finance receivables.","Lenders waive requirement to apply dominion account funds to borrowings during Nov 30, 2022 to Jan 31, 2023 trigger period when availability fell below 10% of revolver commitments.","As of Jan 31, 2023, company had ~$148M additional availability under revolving credit facilities based on eligible finance receivables and inventory.","Company paid $250,000 amendment fee to lenders for the amendment and waiver."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":102120140.74766356,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2023-03-01T23:59:59+00:00|327240"}