{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-005551","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2023-09-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.679955+00:00","generated_at":"2026-06-11T00:17:39.794368+00:00","sec_items":["2.02","5.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"America's Car-Mart Q1 EPS $0.63 on $368M revenue; CEO succession to Doug Campbell","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-005551","json":"https://secwatch.observer/filing/0001171843-23-005551.json","markdown":"https://secwatch.observer/filing/0001171843-23-005551.md","text":"https://secwatch.observer/filing/0001171843-23-005551.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184323005551/0001171843-23-005551-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184323005551/f8k_090423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-11T00:17:39.794368+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":"c2690954ccb0c20df7f3ad2ea72636de98a7f562","claim":"AMERICAS CARMART INC reported financial results for first fiscal quarter of the fiscal year ending April 30, 2024.","evidence_excerpt":"On September 5, 2023, America’s Car-Mart, Inc. (the “Company”) issued a press release announcing its operating results for the first fiscal quarter of the fiscal year ending April 30, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184323005551/0001171843-23-005551-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first fiscal quarter of the fiscal year ending April 30, 2024"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"785032eda2","claim":"Jeffrey A. Williams departed as Chief Executive Officer at AMERICAS CARMART INC.","evidence_excerpt":"Upon Mr. Campbell’s promotion to CEO, the Company’s current CEO, Jeffrey A. Williams, will serve as CEO Emeritus and an advisor to senior management effective October 1, 2023, for the remainder of fiscal year 2024.","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184323005551/0001171843-23-005551-index.htm","confidence":0.95,"family_label":"Executive change","details":[{"label":"Action","value":"stepped down"},{"label":"Role","value":"Chief Executive Officer"}],"fact_type":"executive_change"},{"claim_id":"c82f50a0b7","claim":"Douglas W. Campbell was appointed as Director at AMERICAS CARMART INC.","evidence_excerpt":"the Board also approved increasing the number of directors serving on the Board to eight directors and appointed Mr. Campbell to serve as a director effective October 1, 2023.","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184323005551/0001171843-23-005551-index.htm","confidence":0.95,"family_label":"Executive change","details":[{"label":"Action","value":"appointed"},{"label":"Role","value":"Director"}],"fact_type":"executive_change"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}