CRMT at a glance
AMERICAS CARMART INC (CRMT, SEC CIK 799850) filed its latest 10-K annual report on July 14, 2026, a 10-Q quarterly report on September 9, 2026, an 8-K current report on October 1, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended April 30, 2026 (FY2026), AMERICAS CARMART INC (CRMT) reported revenue of $1.0 billion (down 10.3% from FY2025) and a net loss of $139.2 million. Diluted EPS was -$16.79.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2026
- $1.0B
- −10.3% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- Latest 8-K
- Oct 1, 2026
- Item 1.01 · Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Apr 30, 2026
Risk Factors
- Regulatory risk: CFPB examination and supervision of Colonial finance subsidiary as a “larger participant” in auto finance market
- Macroeconomic threat: 50% rise in U.S. gasoline prices since Feb 2026 conflict involving U.S., Israel, Iran impacting non-prime customers' disposable income
- Operational risk: Closure of 60 dealerships in fiscal 2026 disrupting in-person payment collections, ongoing transition to centralized collections increases default risk
- Competitive risk: Pressure from franchised dealers and independent retailers forcing price reductions and increasing credit losses in non-prime financing
- Financial risk: $722.4M total debt including $263.7M Term Loan with covenant waivers only through Nov 2026, substantial doubt about going concern status
Management Discussion & Analysis
- Revenue $1,281.5M, down 7.9% YoY ($109.4M decrease), due to 14.3% decline in retail units sold, offset by 3.4% price increase and 3.7% interest income growth
- Gross margin 35.4% vs 36.7% in fiscal 2025; SG&A expenses 20.2% of sales vs 16.5%; provision for credit losses 40.8% vs 32.7%
- Best performing: Interest and other income up 3.7% to $253.7M; worst performing: Retail vehicle sales revenue down 10.3% to $1,027.8M
- Operating cash flow $65.0M vs negative $48.8M prior year; Capex $1.8M; senior secured term loan raised $300M used to retire $163M revolving line; no buybacks; dividends $40K
- Management warns liquidity constraints, covenant waivers through Sept 2026, ongoing going concern doubt; plans marketing process for financing or restructuring
Business Overview
- Core business: Integrated auto sales and financing focused on used vehicles for credit-challenged customers, operating 94 dealerships mainly in South-Central U.S.
- Strategic shift: Closed 60 dealerships in fiscal 2026, centralizing collections; pacing further closures based on early-stage centralized collections model capacity
- Liquidity focus: $300M senior secured term loan obtained Oct 2025; covenant relief amended June 2026, with going concern risk and lender negotiations ongoing
- Credit losses rose to 40.8% of sales in FY 2026 from 22.9% in FY 2022, driven by reduced originations and macroeconomic factors
- Workforce reduced due to dealership closures, now about 1,500 full-time associates with ongoing talent development and enhanced external hires
AI summary of the CRMT 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jul 31, 2026
Management Discussion & Analysis
- Revenue $145.8M, down 57.3% YoY from $341.3M; retail units 2,450, down 81.9%
- Gross margin 21.8% vs 36.6% YoY; pretax loss $68.8M vs $7.4M
- Wholesale sales best-performing line at $21.0M, up 94.7% YoY; retail sales $89.9M, down 67.5%
- Operating cash flow $80.1M vs $(5.9)M; cash decreased $21.7M to $110.0M
- Ongoing capital and inventory constraints expected to hurt future results; tight supply, tariffs, and elevated costs remain headwinds
Risk Factors
- Lender consent restricts dividends, distributions, and share repurchases under the Credit and Guaranty Agreement
- No share repurchases during first quarter of fiscal 2027
- Dividend payments historically absent and not expected in the foreseeable future
- First Amendment and Limited Waiver to Credit and Guaranty Agreement dated June 19, 2026
- No director or officer adopted or terminated Rule 10b5-1 arrangements during the quarter
AI summary of the CRMT 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 1.01: Entry into a Material Definitive Agreement
- Lenders extended default waivers and covenant relief through October 8, 2026
- Relief covers minimum liquidity thresholds and minimum Collateral Coverage Ratio requirements
Item 8.01: Other Events
- Strategic review remains active, covering financing, recapitalization, restructuring, mergers and acquisitions
- Company has experienced or anticipates Credit Agreement defaults involving financial covenants and reporting obligations
Item 1.01: Entry into a Material Definitive Agreement
- Lenders extended default waivers and covenant relief through October 1, 2026
- Relief covers minimum liquidity thresholds and minimum Collateral Coverage Ratio
Item 8.01: Other Events
- Strategic review remains active, including financing, recapitalization, restructuring, mergers and acquisitions
- Company faces actual or anticipated credit-agreement defaults involving financial covenants and reporting obligations
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Stockholders approved 1,000,000 additional equity-plan shares, increasing authorization from 500,000 to 1,500,000
- Incentive stock-option capacity increased from 500,000 to 1,500,000 shares
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 10 director nominees elected for one-year terms, preserving board continuity
- Executive compensation advisory vote approved, with 3,030,268 votes for and 93,365 against
AI summaries of CRMT 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CRMT
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Campbell Douglas W. Jr. | F | Sep 30, 2026 | 4,944 | $1.02 |
| Persichetti Marie E. | A | Sep 23, 2026 | 10,329 | - |
| Fischer Jamie | A | Sep 23, 2026 | 32,032 | - |
| Campbell Douglas W. Jr. | A | Sep 23, 2026 | 130,293 | - |
| Judy Vickie D. | A | Sep 23, 2026 | 10,329 | - |
| Fischer Jamie | F | Sep 17, 2026 | 380 | $1.78 |
| Peterson Adam K | J | Jul 20, 2026 | 437,161 | - |
| Collins Jonathan M. | F | Jun 5, 2026 | 506 | $7.73 |
Financial SummaryXBRL
| Metric | FY2024 | FY2025 | FY2026 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.2B | $1.1B | $1.0B |
| Net Income | - | $17.9M | -$139.2M |
| Net Margin | - | 1.6% | -13.5% |
| Balance Sheet | |||
| Total Assets | $1.5B | $1.6B | $1.4B |
| Equity | $470.6M | $569.4M | $445.6M |
| ROE | - | 3.1% | -31.2% |
| Per Share | |||
| EPS | $-4.92 | $2.33 | $-16.79 |
| Cash Flow | |||
| Operating CF | -$73.9M | -$48.8M | $65.0M |
| CapEx | $6.1M | $3.9M | $1.8M |
Source: XBRL data in AMERICAS CARMART INC (CRMT)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
CRMT filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 8-K | Oct 1, 2026 | - | Analysis | - |
| 4 | Sep 25, 2026 | - | - | - |
| 4 | Sep 25, 2026 | - | - | - |
| 4 | Sep 25, 2026 | - | - | - |
| 4 | Sep 25, 2026 | - | - | - |
| 8-K | Sep 24, 2026 | - | Analysis | - |
| 8-K | Sep 24, 2026 | - | Analysis | - |
| 4 | Sep 21, 2026 | - | - | - |
| 8-K | Sep 18, 2026 | - | Analysis | - |
| 8-K | Sep 11, 2026 | - | Analysis | - |
| 8-K | Sep 9, 2026 | - | Analysis | - |
| 10-Q | Sep 9, 2026 | Jul 31, 2026 | Analysis | |
| 8-K | Sep 4, 2026 | - | Analysis | - |
| SC 13G | Aug 14, 2026 | - | - | |
| SC 13G | Aug 6, 2026 | - | - | |
| 4 | Jul 22, 2026 | - | - | - |
| 8-K | Jul 14, 2026 | - | Analysis | - |
| 10-K | Jul 14, 2026 | Apr 30, 2026 | Analysis | |
| 8-K | Jun 25, 2026 | - | Analysis | - |
| 8-K | Jun 12, 2026 | - | Analysis | - |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 5, 2026 | - | - | |
| 4 | Jun 5, 2026 | - | - | |
| 4 | Jun 5, 2026 | - | - |
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CRMT SEC filings: frequently asked questions
What was CRMT's revenue in fiscal year 2026?
For the fiscal year ended April 30, 2026 (FY2026), AMERICAS CARMART INC (CRMT) reported revenue of $1.0 billion (down 10.3% from FY2025) and a net loss of $139.2 million. Diluted EPS was -$16.79. The figures come from the XBRL data in the 10-K.
What are the main risks in CRMT's latest 10-K?
In the 10-K filed July 14, 2026, AMERICAS CARMART INC (CRMT) flagged: Regulatory risk: CFPB examination and supervision of Colonial finance subsidiary as a “larger participant” in auto finance market. Macroeconomic threat: 50% rise in U.S. gasoline prices since Feb 2026 conflict involving U.S., Israel, Iran impacting non-prime customers' disposable income. (AI summary of the Risk Factors section.)
What did CRMT report in its latest 8-K?
AMERICAS CARMART INC (CRMT) filed an 8-K on October 1, 2026 reporting Item 1.01 (Entry into a Material Definitive Agreement) and Item 8.01 (Other Events). Lenders extended default waivers and covenant relief through October 8, 2026.
What are the latest CRMT SEC filings?
AMERICAS CARMART INC (CRMT) filed its latest 10-K annual report on July 14, 2026, a 10-Q quarterly report on September 9, 2026, an 8-K current report on October 1, 2026 and a Form 4 insider filing on October 2, 2026.
What is CRMT's SEC CIK number?
AMERICAS CARMART INC (CRMT)'s SEC Central Index Key (CIK) is 799850. EDGAR lists every CRMT filing under that number.
Ask anything about CRMT
The research agent reads CRMT's filings, financials, insider trades and 13F holders, then answers with sources.