{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-26-005948","form_type":"8-K","ticker":"CRMT","cik":"0000799850","company_name":"AMERICAS CARMART INC","filed_at":"2026-09-09T18:53:51+00:00","discovered_at":"2026-09-09T18:55:03.465530+00:00","generated_at":"2026-09-09T18:55:08.048802+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.95,"calibrated_materiality_score":0.95,"confidence":"high","headline":"Car-Mart Q1 revenue down 57%, retail units -82% on capital constraints; strategic review ongoing","bullets":["Retail units sold 2,450, down 81.9% YoY; revenue $145.8M, down 57.3%.","Inventory cut to $35.2M from $112.5M; total debt down to $623.9M from $775.1M.","Net charge-offs 9.5% of avg receivables vs 6.6%; 30+ days past due 4.6% vs 4.1%.","SG&A $51.6M incl $13.7M non-recurring (professional fees, retention); adjusted SG&A $37.9M.","Credit agreement amendment extended to Sept 11, 2026; 10-Q includes going concern note; no conference call."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-26-005948","json":"https://secwatch.observer/filing/0001171843-26-005948.json","markdown":"https://secwatch.observer/filing/0001171843-26-005948.md","text":"https://secwatch.observer/filing/0001171843-26-005948.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/799850/000117184326005948/0001171843-26-005948-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/799850/000117184326005948/f8k_090926.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-09-09T18:55:08.048802+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"}