{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-003540","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2023-05-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.266400+00:00","generated_at":"2026-06-14T16:32:57.235894+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 Reports Q4 Fiscal 2023: Revenue Up 12.2% but EPS Plunges to $0.32","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-003540","json":"https://secwatch.observer/filing/0001171843-23-003540.json","markdown":"https://secwatch.observer/filing/0001171843-23-003540.md","text":"https://secwatch.observer/filing/0001171843-23-003540.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184323003540/0001171843-23-003540-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184323003540/f8k_052423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-14T16:32:57.235894+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":"9263db301eabc18de88b4f6abed1196c8f61cbfe","claim":"AMERICAS CARMART INC reported the fourth quarter and fiscal year ended April 30, 2023 results: revenue $388.3 million, EPS $0.32.","evidence_excerpt":"Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”) today announced its operating results for the fourth quarter and fiscal year ended April 30, 2023. Highlights Revenues of $388.3 million, up 12.2% vs. the prior year’s fourth quarter. Total retail unit sales increased 7.5% vs. the prior year’s fourth quarter. Same store retail unit sales increased 5.6% vs. the","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184323003540/0001171843-23-003540-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and fiscal year ended April 30, 2023"},{"label":"Revenue","value":"$388.3 million"},{"label":"EPS","value":"$0.32"},{"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"}