---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-24-006751"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2024-12-05T23:59:59+00:00"
generated_at: "2026-05-29T07:52:47.939351+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001171843-24-006751
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2024-12-05T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/799850/000117184324006751/0001171843-24-006751-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184324006751/f8k_120524.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-006751
- JSON: https://secwatch.observer/filing/0001171843-24-006751.json
- Plain text: https://secwatch.observer/filing/0001171843-24-006751.txt

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