CRMT AMERICAS CARMART INC

company

SEC Filings & Insider Trading Activity 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

What are the latest CRMT SEC filings in 2026?

AMERICAS CARMART INC (CRMT) has filed a 10-K annual report on July 14, 2026, a 10-Q quarterly report on March 12, 2026, an 8-K current report on July 14, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did CRMT file its most recent 10-K annual report?

AMERICAS CARMART INC (CRMT) filed its most recent 10-K annual report on July 14, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view CRMT 10-Q quarterly reports?

AMERICAS CARMART INC (CRMT)'s most recent 10-Q quarterly report was filed on March 12, 2026. SignalX displays every CRMT 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has CRMT filed recently?

AMERICAS CARMART INC (CRMT)'s most recent 8-K was filed on July 14, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find CRMT insider trading activity (Form 4)?

SignalX aggregates every CRMT Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does CRMT file with the SEC?

AMERICAS CARMART INC (CRMT) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new CRMT filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for AMERICAS CARMART INC (CRMT).

What is CRMT's SEC CIK number?

AMERICAS CARMART INC (CRMT)'s SEC CIK (Central Index Key) number is 799850. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 799850 to look up all CRMT filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find CRMT return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from AMERICAS CARMART INC (CRMT) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.