{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-001083","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2023-02-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.123993+00:00","generated_at":"2026-06-19T05:56:57.330914+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"America's Car-Mart Q3 EPS plunges to $0.23 from $2.82; credit losses spike","bullets":["Revenue $327M (+13.7% YoY); EPS $0.23 vs $2.82 prior year, missing expectations.","Provision for credit losses 31.1% of sales (vs 24.8%); net charge-offs 5.9% of avg receivables (vs 4.8%).","Interest expense $9.8M (vs $2.9M) due to higher borrowings and rates; completed $400M securitization at 8.7% coupon.","Same-store unit sales +1.0%; active customers +6.0% to 99,577; gross profit per car $6,373 vs $6,447.","Acquired dealerships in Knoxville, TN and Taylor, TX; FY2024 capex guided to $15-20M."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-001083","json":"https://secwatch.observer/filing/0001171843-23-001083.json","markdown":"https://secwatch.observer/filing/0001171843-23-001083.md","text":"https://secwatch.observer/filing/0001171843-23-001083.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184323001083/0001171843-23-001083-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184323001083/f8k_022223.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T05:56:57.330914+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":"42c6269fd1c2f41d4257d39890d049d4183d0006","claim":"AMERICAS CARMART INC reported third quarter 2023 results: revenue $327 million, EPS $0.23.","evidence_excerpt":"Highlights Revenues of $327 million, up 13.7% vs. the prior year third quarter. Total retail unit sales increased 2.7% vs. the prior year third quarter. Same store retail unit sales increased 1.0% vs. the prior year third quarter. Sales volume productivity per store per month was 31.2 vs. 30.8 for the prior year third quarter. Gross profit per car sold was $6,373 compared to $6,447 1 for the prior year third quarter. Provision for credit losses as a percentage of sales was 31.1% compared to 24.8% 1 for the prior year third quarter. Net charge-offs as a percent of average finance receivables for the quarter were 5.9% compared to 4.8% 1 for the prior year third quarter. Interest income was up $12.1 million to $51.1 million, compared to $39.0 million for the prior year third quarter. SG&A was up $5.6 million vs. the prior year quarter, and SG&A per customer was $449 vs. $417 for the prior year third quarter. Interest expense was $9.8 million, compared to $2.9 million in the prior year thi","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184323001083/0001171843-23-001083-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Revenue","value":"$327 million"},{"label":"EPS","value":"$0.23"},{"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"}