{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-007430","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2023-12-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.038610+00:00","generated_at":"2026-06-07T18:24:30.251374+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"America’s Car-Mart reports Q2 loss of $4.30 per share; credit loss allowance increased","bullets":["Revenue up 2.8% to $361.6M; unit sales down 4.6% to 15,162.","GAAP loss per share $4.30 vs. $0.48 diluted EPS in prior year; includes $3.40 non-cash charge for allowance increase.","Net charge-offs as % of avg finance receivables rose to 7.2% from 5.8%; allowance increased to 26.04%.","Gross margin improved to 34.3% from 32.1%; gross profit per unit $6,835 vs $6,132.","Board elected Jonathan Z. Buba as independent director; also agreed to acquire Central Auto Sales in Hot Springs."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-007430","json":"https://secwatch.observer/filing/0001171843-23-007430.json","markdown":"https://secwatch.observer/filing/0001171843-23-007430.md","text":"https://secwatch.observer/filing/0001171843-23-007430.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184323007430/0001171843-23-007430-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184323007430/f8k_120523.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-07T18:24:30.251374+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":"104da45dec6b3e555b6e4bcb377a4c542c009945","claim":"AMERICAS CARMART INC reported the second quarter ended October 31, 2023 results: revenue $361.6 million, EPS Loss per share $4.30vs.$0.48 diluted earnings per share.","evidence_excerpt":"Q2 FY23) Revenues increased 2.8% to $361.6 million Retail unit sales were down 4.6% Gross margin increased to 34.3% from 32.1% Customer count increased 6.0% to 104,596 Net charge-offs as a % of average finance receivables were 7.2% vs.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184323007430/0001171843-23-007430-index.htm","confidence":0.91,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter ended October 31, 2023"},{"label":"Revenue","value":"$361.6 million"},{"label":"EPS","value":"Loss per share $4.30vs.$0.48 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"faa4ed2588","claim":"Jonathan Z. Buba was elected as Director at AMERICAS CARMART INC.","evidence_excerpt":"On November 30, 2023, the Board of Directors of the Company elected Jonathan Z. Buba as a new, independent director, effective immediately.","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184323007430/0001171843-23-007430-index.htm","confidence":0.95,"family_label":"Executive change","details":[{"label":"Action","value":"elected"},{"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"}