{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-003851","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2025-06-12T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.326061+00:00","generated_at":"2026-05-19T11:54:46.842601+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"America's Car-Mart Q4 EPS $1.26 vs $0.06; FY25 EPS $2.33 vs loss $4.92","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-003851","json":"https://secwatch.observer/filing/0001171843-25-003851.json","markdown":"https://secwatch.observer/filing/0001171843-25-003851.md","text":"https://secwatch.observer/filing/0001171843-25-003851.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184325003851/0001171843-25-003851-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184325003851/f8k_061225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-19T11:54:46.842601+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}