secwatch / observer

8-K filed December 4, 2025, 6:59 PM ET ticker CRMT CIK 0000799850

earnings confidence high sentiment negative materiality 0.75

America's Car-Mart Q2 GAAP loss $2.71/sh; closes $300M term loan; net charge-offs rise to 7.0%

AMERICAS CARMART INC

2026-Q2 EPS reported -$3.41 revenue$691,282,000

GAAP loss per share $2.71; adjusted loss per share $0.79; total revenue $350.2M (+0.8% YoY).
Net charge-offs 7.0% of avg finance receivables (up from 6.6% YoY); provision for credit losses $119.1M vs $99.5M.
Closed $300M term loan from Silver Point, repaid revolver; issued warrants for 937,487 shares at $22.63.
Closed 5 underperforming stores post-quarter; expects $10.1M annualized expense savings.
Gross margin 37.5% (down 190 bps); allowance for credit losses 24.19% of finance receivables.

item 2.02 item 9.01

Machine-readable event card

schema_version: secwatch.filing_event.v1
accession: 0001171843-25-007749
form_type: 8-K
ticker: CRMT
cik: 0000799850
company_name: AMERICAS CARMART INC
filed_at: 2025-12-04T23:59:59+00:00
discovered_at: 2026-05-14T18:02:42.206005+00:00
generated_at: 2026-05-16T14:59:48.663798+00:00
sec_items: ["2.02", "9.01"]
event_type: earnings
sentiment: negative
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: high
secwatch_canonical_url: https://secwatch.observer/filing/0001171843-25-007749
json_url: https://secwatch.observer/filing/0001171843-25-007749.json
markdown_url: https://secwatch.observer/filing/0001171843-25-007749.md
text_url: https://secwatch.observer/filing/0001171843-25-007749.txt
edgar_index_url: https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/0001171843-25-007749-index.htm
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