secwatch.observer — SEC 8-K summary
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Issuer:     AMERICAS CARMART INC (CRMT)
CIK:        0000799850
Form:       8-K
Filed at:   2025-09-04T23:59:59+00:00
Accession:  0001171843-25-005725
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/799850/000117184325005725/0001171843-25-005725-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/799850/000117184325005725/f8k_090425.htm
  HTML page:      https://secwatch.observer/filing/0001171843-25-005725

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