America's Car-Mart Q3 revenue +8.7%, EPS $0.37 vs -$1.34 loss

AMERICAS CARMART INC

2025-Q3 EPS reported $0.94 vs consensus $0.91 ▲ beat (+3.2%)

Total revenue $325.7M, up 8.7% YoY; retail units sold 13,198 (+13.2%).
GAAP diluted EPS $0.37 vs loss per share of $1.34 in prior-year quarter.
Gross margin 35.7%, up 150 bps YoY; net charge-offs improved to 6.1% from 6.8%.
Completed $200M term securitization with 6.49% coupon, 95 bps better than Oct 2024 deal.
Amended ABL facility to $350M, maturity extended to March 2027.

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