America's Car-Mart Q4 EPS $1.26 vs $0.06; FY25 EPS $2.33 vs loss $4.92

AMERICAS CARMART INC

2025-FY EPS reported $2.33 vs consensus -$0.50 ▲ beat (+566.7%)

Q4 revenue $370.2M (+1.5%); sales volumes up 2.6% to 15,649 units.
Gross margin 36.4% (+90bps); net charge-offs improved to 6.9% vs 7.3%.
FY25 diluted EPS $2.33 vs loss $4.92; revenue $1.4B flat.
Completed $216M securitization at 6.27% coupon on May 29, 2025.
Active customers up 2.4% to 104,682; SG&A rose 8.6% to $48.3M.

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