{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-24-001246","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2024-03-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.956061+00:00","generated_at":"2026-06-05T00:56:59.968967+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Car-Mart reports Q3 loss of $1.34/share; revenue down 7.9%, sales volume down 19.6%","bullets":["Net loss per share $1.34 (diluted) vs $0.23 diluted EPS prior year; revenue $299.6M down 7.9%.","Retail units sold 11,664 down 19.6% from 14,508; average retail sales price up 7.5% to $19,455.","Gross profit per unit up 10.5% to $7,043; net charge-offs 6.8% vs 5.9% (down 40 bps sequentially).","Allowance for credit loss adjusted to 25.74% (down 30 bps sequentially) providing $3.9M benefit.","Entered strategic partnership with Cox Automotive; completed $250M securitization at 9.5% fixed coupon."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-24-001246","json":"https://secwatch.observer/filing/0001171843-24-001246.json","markdown":"https://secwatch.observer/filing/0001171843-24-001246.md","text":"https://secwatch.observer/filing/0001171843-24-001246.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184324001246/0001171843-24-001246-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184324001246/f8k_030824.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T00:56:59.968967+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":"0736ef549fc8a2f0ade2b12f1aea826368671dd9","claim":"AMERICAS CARMART INC reported financial results for third quarter ended January 31, 2024.","evidence_excerpt":"On March 8, 2024, America's Car-Mart, Inc. (the “Company”) issued a press release announcing its operating results for the third fiscal quarter of the fiscal year ending April 30, 2024. The press release contains certain financial, operating and other information for the period ended January 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184324001246/0001171843-24-001246-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended January 31, 2024"},{"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"}