secwatch.observer — SEC 8-K summary
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Issuer:     AMERICAS CARMART INC (CRMT)
CIK:        0000799850
Form:       8-K/A
Filed at:   2025-03-13T23:59:59+00:00
Accession:  0001171843-25-001443
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/799850/000117184325001443/0001171843-25-001443-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/799850/000117184325001443/f8ka_031225.htm
  HTML page:      https://secwatch.observer/filing/0001171843-25-001443

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