{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-004623","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2026-07-14T13:15:30+00:00","discovered_at":"2026-07-14T13:16:00.393123+00:00","generated_at":"2026-07-14T13:16:12.920559+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Car-Mart reports FY2026 loss of $16.79/share; going-concern doubt disclosed","bullets":["Total revenue $1,281.5M, down 7.9% YoY; retail units sold 48,891, down 14.3%.","GAAP loss per share $16.79; adjusted loss per share $3.71; net charge-offs 27.6% of avg finance receivables.","Going-concern doubt raised due to liquidity constraints and covenant milestones under June 19 credit amendment.","Credit agreement amended June 19, 2026, providing covenant relief and time for strategic review.","Dealership count reduced from 154 to 94; $11.0M non-cash impairment on consolidations."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-004623","json":"https://secwatch.observer/filing/0001171843-26-004623.json","markdown":"https://secwatch.observer/filing/0001171843-26-004623.md","text":"https://secwatch.observer/filing/0001171843-26-004623.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184326004623/0001171843-26-004623-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184326004623/f8k_071426.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-14T13:16:12.920559+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}