---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-001507"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2026-03-12T23:59:59+00:00"
generated_at: "2026-05-15T14:30:57.655526+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Car-Mart Q3: Revenue $286.8M (-12%), GAAP EPS -$9.25, units -22.1%

## Summary
- Revenue $286.8M (-12% YoY); retail units sold 10,275 (-22.1%).
- GAAP EPS -$9.25; adjusted EPS -$1.53 on non-cash $47M DTA valuation allowance.
- Gross profit per unit +8.8% to $7,762; gross margin 35.8% vs 35.7%.
- Net charge-offs as % of avg. receivables 6.5% vs 6.1%; 30+ day delinquencies 4.4% vs 3.7%.
- Completed Phase 2 consolidations (136 dealerships); closed $300M term loan and $161.3M ABS.

## SEC filing metadata
- accession: 0001171843-26-001507
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2026-03-12T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184326001507/0001171843-26-001507-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184326001507/f8k_031226.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-001507
- JSON: https://secwatch.observer/filing/0001171843-26-001507.json
- Plain text: https://secwatch.observer/filing/0001171843-26-001507.txt

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