secwatch.observer — SEC 8-K summary
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Issuer:     AMERICAS CARMART INC (CRMT)
CIK:        0000799850
Form:       8-K
Filed at:   2026-03-12T23:59:59+00:00
Accession:  0001171843-26-001507
Event type: earnings
Sentiment:  negative
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/799850/000117184326001507/0001171843-26-001507-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/799850/000117184326001507/f8k_031226.htm
  HTML page:      https://secwatch.observer/filing/0001171843-26-001507

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer