---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-001354"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2025-03-10T23:59:59+00:00"
generated_at: "2026-05-25T02:24:54.554251+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001171843-25-001354
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2025-03-10T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184325001354/0001171843-25-001354-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184325001354/f8k_030925.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-001354
- JSON: https://secwatch.observer/filing/0001171843-25-001354.json
- Plain text: https://secwatch.observer/filing/0001171843-25-001354.txt

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