secwatch.observer — SEC 8-K summary
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Issuer:     AMERICAS CARMART INC (CRMT)
CIK:        0000799850
Form:       8-K
Filed at:   2025-06-12T23:59:59+00:00
Accession:  0001171843-25-003851
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/799850/000117184325003851/0001171843-25-003851-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/799850/000117184325003851/f8k_061225.htm
  HTML page:      https://secwatch.observer/filing/0001171843-25-003851

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