---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-24-005048"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2024-09-04T23:59:59+00:00"
generated_at: "2026-05-31T06:31:33.603922+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# America's Car-Mart Q1 FY2025: Revenue down 5.2%, posts $0.15 loss per share vs $0.63 EPS last year

## Summary
- Revenue $347.8M (down 5.2%), net loss $0.15 diluted EPS vs $0.63 diluted EPS prior year.
- Retail units sold 14,391 (down 9.6%), average retail sales price $19,250 (up 2.4%).
- Net charge-offs as % of avg finance receivables 6.4% vs 5.8%; allowance for credit loss 25.0% vs 25.32%.
- Down payment percentage improved to 5.2% from 5.0%; new LOS originations 40% of portfolio.
- SG&A $46.7M flat; debt to finance receivables 53.4% vs 49.3%.

## SEC filing metadata
- accession: 0001171843-24-005048
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2024-09-04T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184324005048/0001171843-24-005048-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184324005048/f8k_090424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-005048
- JSON: https://secwatch.observer/filing/0001171843-24-005048.json
- Plain text: https://secwatch.observer/filing/0001171843-24-005048.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.