---
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"
generated_at: "2026-07-14T13:16:12.920559+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# Car-Mart reports FY2026 loss of $16.79/share; going-concern doubt disclosed

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-004623
- JSON: https://secwatch.observer/filing/0001171843-26-004623.json
- Plain text: https://secwatch.observer/filing/0001171843-26-004623.txt

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