---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-001443"
form_type: "8-K/A"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2025-03-13T23:59:59+00:00"
generated_at: "2026-05-24T21:48:05.535076+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- accession: 0001171843-25-001443
- form_type: 8-K/A
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2025-03-13T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184325001443/0001171843-25-001443-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184325001443/f8ka_031225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-001443
- JSON: https://secwatch.observer/filing/0001171843-25-001443.json
- Plain text: https://secwatch.observer/filing/0001171843-25-001443.txt

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