Car-Mart Q2 revenue $347.3M, EPS $0.61; adjusted loss $0.24; unit sales down 9.1%

AMERICAS CARMART INC

2025-Q2 EPS reported $0.55 vs consensus $0.97 ▼ miss (-43.6%)

Total revenue $347.3M, down 3.5% YoY; retail units sold 13,784 (-9.1%).
Diluted EPS $0.61 vs loss $4.30; adjusted loss per share $0.24 excluding $13.2M service contract accounting change.
Gross margin improved to 39.4% (adjusted 36.5%, up 200 bps); net charge-offs improved to 6.6% from 7.2%.
Completed equity offering ($73.8M net) and ABS securitization ($297.9M net); debt to finance receivables improved to 51.8%.
Allowance for credit losses decreased to 24.72% from 25.00% sequentially; 50% of portfolio under new LOS.

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