{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-22-007566","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2022-11-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.598295+00:00","generated_at":"2026-06-21T17:03:49.357134+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"America's Car-Mart Q2 FY2023: EPS $0.48 on $352M revenue (+24% YoY); earnings decline cited","bullets":["Diluted EPS $0.48; total revenue $352M (+24% YoY); interest income $48M (+30%).","Unit sales volume +7%; average selling price +13% YoY; active customers ~98,600 (+6%).","Net charge-offs 5.8% of avg receivables vs 5.6% 5-yr avg; consumer rate raised to 18% in most states.","Investing in LOS (36 dealerships installed), ERP (completion by calendar 2023), $27M store renovations.","Corrected immaterial errors in prior deferred revenue classification; cumulative allowance decrease $9.3M-$9.4M."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-22-007566","json":"https://secwatch.observer/filing/0001171843-22-007566.json","markdown":"https://secwatch.observer/filing/0001171843-22-007566.md","text":"https://secwatch.observer/filing/0001171843-22-007566.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184322007566/0001171843-22-007566-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184322007566/f8k_111722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-21T17:03:49.357134+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6261db3f596541364d01f48a51cc711d0160bcc5","claim":"AMERICAS CARMART INC reported the second quarter of fiscal year 2023 results: revenue $352 million, EPS $0.48.","evidence_excerpt":"America's Car-Mart Reports Diluted Earnings per Share of $0.48 on Revenues of $352 Million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184322007566/0001171843-22-007566-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of fiscal year 2023"},{"label":"Revenue","value":"$352 million"},{"label":"EPS","value":"$0.48"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}