secwatch.observer — SEC 8-K summary
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Issuer:     AMERICAS CARMART INC (CRMT)
CIK:        0000799850
Form:       8-K
Filed at:   2025-03-10T23:59:59+00:00
Accession:  0001171843-25-001354
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/799850/000117184325001354/0001171843-25-001354-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/799850/000117184325001354/f8k_030925.htm
  HTML page:      https://secwatch.observer/filing/0001171843-25-001354

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer