---
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"
generated_at: "2026-09-09T18:55:08.048802+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.95
calibrated_materiality_score: 0.95
confidence: "high"
source: SEC EDGAR
---

# Car-Mart Q1 revenue down 57%, retail units -82% on capital constraints; strategic review ongoing

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.95
- calibrated_materiality_score: 0.95
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-005948
- JSON: https://secwatch.observer/filing/0001171843-26-005948.json
- Plain text: https://secwatch.observer/filing/0001171843-26-005948.txt

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