Short answer
AMERICAS CARMART INC (CRMT) filed its Q4 2025 10-Q quarterly report on Dec 9, 2025 for the quarter ended Oct 31, 2025. Quarterly revenue was $286M (down 50.0% year over year) with net income of −$22M.
Q4 2025 key financials · XBRL
- Revenue
- $286M
- −50.0% YoY · +3.6% QoQ
- Net income
- −$22M
- −646.3% YoY · −291.3% QoQ
- EPS (diluted)
- −$2.72
- −594.5% YoY · −294.2% QoQ
Source: XBRL data from the AMERICAS CARMART INC (CRMT) Q4 2025 10-Q on SEC EDGAR. USD.
AMERICAS CARMART INC Q4 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly revenue $350.2M, up 0.8% YoY from $347.3M; sales $286.3M, up 0.2%
- Gross margin 37.5% vs 39.4% YoY; credit-loss provision 41.6% vs 34.8%
- Interest income $63.9M, up 3.9%; retail units 13,637 vs 13,784 and gross profit per unit $7,868 vs $8,166
- Six-month operating cash flow $3.1M vs $(37.2)M; capital expenditures $1.2M
- $262M term loan funded revolving-facility payoff; headwinds from elevated vehicle prices, inflation, inventory constraints, and government-shutdown uncertainty
Risk Factors
- Dividend and repurchase restrictions: lender consent required under senior secured term loan facility
- Share repurchases: no shares repurchased during fiscal 2026 second quarter
- Shareholder returns: no historical dividends, with no payments expected in foreseeable future
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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