---
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"
generated_at: "2026-05-17T08:24:11.148670+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# America's Car-Mart Q1 loss $0.69/share; revenue down 1.9%, sales volumes drop 5.7%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/799850/000117184325005725/0001171843-25-005725-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184325005725/f8k_090425.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-005725
- JSON: https://secwatch.observer/filing/0001171843-25-005725.json
- Plain text: https://secwatch.observer/filing/0001171843-25-005725.txt

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