Car-Mart Q3 EPS $0.37 vs loss $1.34; revenue up 8.7% to $325.7M

AMERICAS CARMART INC

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

Revenue $325.7M (+8.7% YoY); retail units sold 13,198 (+13.2%).
Diluted EPS $0.37 vs loss per share $1.34 in prior year Q3.
Gross margin 35.7% (+150 bps); net charge-offs improved to 6.1% from 6.8%.
Allowance for credit losses at 24.31%, down from 24.72% sequentially.
Completed $200M securitization (6.49% coupon) and amended ABL to $350M (maturity Mar 2027).

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