{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-005725","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2025-09-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.408309+00:00","generated_at":"2026-05-17T08:24:11.148670+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"America's Car-Mart Q1 loss $0.69/share; revenue down 1.9%, sales volumes drop 5.7%","bullets":["Net loss per share of $0.69 vs. loss of $0.15 in prior-year quarter; revenue $341.3M, down 1.9%.","Retail units sold fell 5.7% to 13,568; average selling price rose 1.4% to $19,564.","Gross margin improved 160 bps to 36.6%; allowance for credit losses improved to 23.35% from 25.00%.","Net charge-offs as % of avg. finance receivables increased to 6.6% from 6.4%; 30+ day delinquencies up to 3.8%.","Completed $172M ABS securitization on Aug 28 with 5.46% coupon, 81 bps improvement over May 2025 issuance."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-005725","json":"https://secwatch.observer/filing/0001171843-25-005725.json","markdown":"https://secwatch.observer/filing/0001171843-25-005725.md","text":"https://secwatch.observer/filing/0001171843-25-005725.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184325005725/0001171843-25-005725-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184325005725/f8k_090425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T08:24:11.148670+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"}