---
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"
generated_at: "2026-06-21T17:03:49.357134+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# America's Car-Mart Q2 FY2023: EPS $0.48 on $352M revenue (+24% YoY); earnings decline cited

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-22-007566
- JSON: https://secwatch.observer/filing/0001171843-22-007566.json
- Plain text: https://secwatch.observer/filing/0001171843-22-007566.txt

## Key facts
- Earnings Releases
  AMERICAS CARMART INC reported the second quarter of fiscal year 2023 results: revenue $352 million, EPS $0.48.
  - Period: the second quarter of fiscal year 2023
  - Revenue: $352 million
  - EPS: $0.48
  - Result: reported results
  source text: America's Car-Mart Reports Diluted Earnings per Share of $0.48 on Revenues of $352 Million
  evidence_url: https://www.sec.gov/Archives/edgar/data/799850/000117184322007566/0001171843-22-007566-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.