---
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"
generated_at: "2026-05-19T11:54:46.842601+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-003851
- JSON: https://secwatch.observer/filing/0001171843-25-003851.json
- Plain text: https://secwatch.observer/filing/0001171843-25-003851.txt

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