Americas Carmart INC (CRMT) — SEC Filings

Overview

Americas Carmart INC (CRMT) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Dec 23, 2025: On December 17, 2025, Americas Car-Mart, Inc. entered into a material definitive agreement, likely related to financing or operations, as indicated by the filing of an 8-K. The company, incorporated in Texas with its principal business address in Rogers, Arkansas, is involved in the retail auto deal

Sentiment Summary

Across 50 filings, the sentiment breakdown is: 1 bullish, 5 bearish, 44 neutral. The dominant filing sentiment for Americas Carmart INC is neutral.

Filing Type Overview

Americas Carmart INC (CRMT) has filed 28 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 1 8-K/A, 9 SC 13G/A, 1 SC 13G, 1 SC 13D with the SEC between Feb 2024 to Dec 2025.

Filings by Year

2025 · 2024

Recent Filings (50)

• Americas Car-Mart Enters Material Definitive Agreement — 8-K · Dec 23, 2025 Risk: medium
  On December 17, 2025, Americas Car-Mart, Inc. entered into a material definitive agreement, likely related to financing or operations, as indicated by the filin
• Car-Mart Swings to $22.5M Loss Amid Soaring Credit Costs — 10-Q · Dec 9, 2025 Risk: high
  AMERICAS CARMART INC (CRMT) reported a significant net loss of $22.47 million for the three months ended October 31, 2025, a sharp decline from a net income of
• America's Car-Mart Files 8-K on Financials — 8-K · Dec 4, 2025 Risk: low
  America's Car-Mart Inc. filed an 8-K on December 4, 2025, reporting on its results of operations and financial condition. The filing also includes financial sta
• Americas Car-Mart Reports Material Agreements & Equity Sales — 8-K · Nov 5, 2025 Risk: medium
  Americas Carmart Inc. entered into a material definitive agreement on October 30, 2025, and also terminated a material definitive agreement on the same date. Th
• Americas Car-Mart Files 8-K on Shareholder Vote Matters — 8-K · Sep 29, 2025 Risk: low
  Americas Car-Mart, Inc. filed an 8-K on September 29, 2025, reporting on matters submitted to a vote of security holders as of September 25, 2025. The filing de
• Car-Mart's Q1 Loss Widens to $5.7M Amid Rising Credit Losses — 10-Q · Sep 9, 2025 Risk: high
  AMERICAS CARMART INC (CRMT) reported a significant net loss of $5.736 million for the three months ended July 31, 2025, a substantial increase from the $0.964 m
• America's Car-Mart Files 8-K on Financials — 8-K · Sep 4, 2025 Risk: low
  America's Car-Mart Inc. filed an 8-K on September 4, 2025, reporting on its results of operations and financial condition. The filing includes financial stateme
• Americas Car-Mart Enters Material Definitive Agreement — 8-K · Sep 2, 2025 Risk: medium
  On August 28, 2025, Americas Car-Mart, Inc. entered into a material definitive agreement, likely related to a financial obligation. The company, headquartered i
• Americas CarMart Files Annual Proxy Statement — DEF 14A · Aug 15, 2025 Risk: low
  Americas CarMart Inc. filed its DEF 14A on August 15, 2025, for the fiscal year ending April 30, 2025. The filing details executive compensation and corporate g
• America's Car-Mart Files 8-K — 8-K · Aug 14, 2025 Risk: low
  America's Car-Mart Inc. filed an 8-K on August 14, 2025, reporting events that occurred on August 13, 2025. The filing indicates a Regulation FD Disclosure and
• America's Car-Mart Swings to Loss Amid Credit Woes, Sales Dip — 10-K · Aug 8, 2025 Risk: high
  America's Car-Mart Inc. (CRMT) reported a challenging fiscal year ending April 30, 2025, with net sales declining to $1.25 billion from $1.32 billion in the pri
• America's Car-Mart Faces Delisting Concerns — 8-K · Aug 1, 2025 Risk: high
  America's Car-Mart Inc. filed an 8-K on August 1, 2025, reporting events as of July 31, 2025. The filing indicates a notice of delisting or failure to satisfy a
• America's Car-Mart Restates Financials Amid Investigation — 8-K · Jul 30, 2025 Risk: high
  America's Car-Mart Inc. announced on July 29, 2025, that it will not rely on previously issued financial statements due to an ongoing investigation into potenti
• America's Car-Mart Files 8-K on Financials — 8-K · Jun 12, 2025 Risk: low
  America's Car-Mart Inc. filed an 8-K on June 12, 2025, reporting on its results of operations and financial condition. The filing also includes financial statem
• Americas Car-Mart Enters Material Definitive Agreement — 8-K · Jun 4, 2025 Risk: medium
  On May 29, 2025, Americas Car-Mart, Inc. entered into a material definitive agreement related to a direct financial obligation. The filing does not provide spec
• Americas Car-Mart Files 8-K on Director/Officer Changes — 8-K · May 13, 2025 Risk: medium
  Americas Car-Mart, Inc. filed an 8-K on May 13, 2025, reporting events as of May 8, 2025. The filing covers the departure of directors, election of directors, a
• Americas Car-Mart Files 8-K Amendment — 8-K/A · Mar 13, 2025 Risk: low
  Americas Car-Mart, Inc. filed an amendment (8-K/A) on March 13, 2025, to its report originally filed on March 6, 2025. This amendment pertains to the company's
• Americas CarMart Inc. Files Q3 2025 10-Q — 10-Q · Mar 10, 2025 Risk: medium
  Americas CarMart Inc. reported its Q3 2025 results, ending January 31, 2025. The company, headquartered in Rogers, Arkansas, operates in the auto dealership sec
• America's Car-Mart Files 8-K on Financials — 8-K · Mar 10, 2025 Risk: low
  America's Car-Mart Inc. filed an 8-K on March 10, 2025, reporting on events that occurred on March 6, 2025. The filing pertains to Results of Operations and Fin
• America's Car-Mart Files 8-K on Agreements and Financials — 8-K · Mar 6, 2025 Risk: medium
  On February 28, 2025, America's Car-Mart Inc. filed an 8-K report detailing a material definitive agreement and results of operations. The filing also covers th
• Americas Car-Mart Enters Material Definitive Agreement — 8-K · Feb 5, 2025 Risk: medium
  On January 31, 2025, Americas Car-Mart, Inc. entered into a material definitive agreement related to a direct financial obligation. The company, incorporated in
• Americas CarMart Files Q2 2025 10-Q — 10-Q · Dec 9, 2024 Risk: medium
  Americas CarMart Inc. reported its second quarter results for fiscal year 2025, ending October 31, 2024. The company's filing indicates a fiscal year end of Apr
• America's Car-Mart Files 8-K on Financials — 8-K · Dec 5, 2024 Risk: low
  America's Car-Mart Inc. filed an 8-K on December 5, 2024, reporting on its results of operations and financial condition. The filing also includes financial sta
• SC 13G/A Filing — SC 13G/A · Nov 12, 2024
• SC 13G/A Filing — SC 13G/A · Nov 12, 2024
• SC 13G/A Filing — SC 13G/A · Nov 8, 2024
• SC 13G Filing — SC 13G · Nov 4, 2024
• SC 13G/A Filing — SC 13G/A · Oct 31, 2024
• SC 13G/A Filing — SC 13G/A · Oct 22, 2024
• Americas Car-Mart Files 8-K with Financials — 8-K · Oct 22, 2024 Risk: low
  On October 22, 2024, Americas Car-Mart, Inc. filed an 8-K report. The filing primarily concerns financial statements and exhibits, with no specific material eve
• Americas Car-Mart Inc. Enters Material Definitive Agreement — 8-K · Oct 11, 2024 Risk: medium
  On October 9, 2024, Americas Car-Mart Inc. entered into a material definitive agreement related to a direct financial obligation. The company, previously known
• SC 13G/A Filing — SC 13G/A · Oct 1, 2024
• Nantahala Capital Management Files SC 13D for Americas Car-Mart — SC 13D · Sep 24, 2024 Risk: medium
  Nantahala Capital Management, LLC, along with Daniel Mack and Wilmot B. Harkey, filed an SC 13D on September 24, 2024, regarding their holdings in Americas Car-
• Americas Car-Mart Files 8-K: Director/Officer Changes & More — 8-K · Sep 24, 2024 Risk: medium
  Americas Car-Mart, Inc. filed an 8-K on September 24, 2024, reporting changes in directors and officers, and compensatory arrangements. The filing also includes
• America's Car-Mart Files 8-K with Material Agreement — 8-K · Sep 20, 2024 Risk: low
  On September 19, 2024, America's Car-Mart, Inc. filed an 8-K report detailing a material definitive agreement. The filing also included Regulation FD disclosure
• Americas Car-Mart Files 8-K with Material Agreement — 8-K · Sep 18, 2024 Risk: medium
  On September 16, 2024, Americas Car-Mart, Inc. entered into a material definitive agreement related to a direct financial obligation. The company also reported
• Americas CarMart Files 10-Q, Reports Credit Facility Update — 10-Q · Sep 16, 2024 Risk: medium
  Americas CarMart Inc. (CRMT) filed its 10-Q for the period ending July 31, 2024. The company reported on its financial performance and disclosed a subsequent ev
• SC 13G/A Filing — SC 13G/A · Sep 10, 2024
• America's Car-Mart Files 8-K on Financials — 8-K · Sep 4, 2024 Risk: low
  On September 4, 2024, America's Car-Mart Inc. filed an 8-K report. The filing primarily concerns the company's financial condition and results of operations, al
• Americas Car-Mart Appoints New CFO — 8-K · Aug 30, 2024 Risk: medium
  On August 27, 2024, Americas Car-Mart, Inc. announced the appointment of John R. Wilson as Chief Financial Officer, effective September 3, 2024. Wilson will rec
• Americas Car-Mart Secures $250M Credit Facility — 8-K · Jul 18, 2024 Risk: medium
  On July 12, 2024, Americas Car-Mart, Inc. entered into a Material Definitive Agreement, specifically a Credit Agreement with Wells Fargo Bank, National Associat
• Americas CarMart Inc. Files DEF 14A on Executive Compensation — DEF 14A · Jul 16, 2024 Risk: low
  Americas CarMart Inc. (CRMT) filed a DEF 14A on July 16, 2024, detailing executive compensation for the fiscal year ending April 30, 2024. The filing includes i
• Americas CarMart Reports FY24 Results — 10-K · Jul 15, 2024 Risk: medium
  Americas CarMart Inc. filed its 10-K for the fiscal year ending April 30, 2024. The company reported total revenues of $1.2 billion and net earnings of $109.06
• Americas Car-Mart Files 8-K on Ethics Code and Financials — 8-K · Jun 27, 2024 Risk: low
  Americas Car-Mart, Inc. filed an 8-K on June 27, 2024, reporting an amendment to its Code of Ethics and the filing of financial statements and exhibits. The ear
• America's Car-Mart Files 8-K on Financials — 8-K · Jun 18, 2024 Risk: low
  On June 18, 2024, America's Car-Mart Inc. filed an 8-K report. The filing primarily concerns the company's results of operations and financial condition, as wel
• SC 13G/A Filing — SC 13G/A · Apr 5, 2024
• Americas Car Mart Inc. Files 10-Q for Q3 2024 — 10-Q · Mar 11, 2024 Risk: low
  AMERICAS CARMART INC (CRMT) filed a Quarterly Report (10-Q) with the SEC on March 11, 2024. Americas Car Mart Inc. filed a 10-Q for the period ending January 31
• America's Car-Mart Files 8-K for Financial Disclosures — 8-K · Mar 8, 2024 Risk: low
  On March 8, 2024, America's Car-Mart Inc. filed an 8-K report. The filing primarily concerns the company's financial statements and exhibits, indicating a regul
• Americas Car-Mart Enters Material Definitive Agreement — 8-K · Mar 5, 2024 Risk: medium
  On February 28, 2024, Americas Car-Mart, Inc. entered into a material definitive agreement related to a direct financial obligation. The company, incorporated i
• SC 13G/A Filing — SC 13G/A · Feb 14, 2024

Risk Profile

Risk Assessment: Of CRMT's 40 recent filings, 5 were flagged as high-risk, 18 as medium-risk, and 17 as low-risk. The overall risk profile suggests moderate risk with a balanced mix of positive and cautionary disclosures.

Financial Highlights

Key financial metrics from Americas Carmart INC's most recent 10-Q filing (Dec 9, 2025):

• Revenue: $350.19M
• Net Income: -$22.47M
• EPS: -$2.71
• Debt-to-Equity: 2.09
• Cash Position: $122.36M
• Operating Margin: -1.7%
• Total Assets: $1,717.92M
• Total Debt: $1,960.27M

Key Executives

• Texas
• Arkansas
• Douglas W. Campbell
• Jeffrey A. Williams
• Daniel Mack
• Wilmot B. Harkey
• Taki Vasila
• John R. Wilson

Industry Context

America's Car-Mart operates in the used car market, specifically focusing on the 'Integrated Auto Sales and Finance' segment. This niche targets customers with limited credit histories who may not qualify for conventional financing. The industry is sensitive to economic conditions, interest rate fluctuations, and regulatory changes impacting lending practices.

Top Tags

financial-reporting (9) · material-agreement (8) · financial-obligation (7) · 8-k (5) · filing (4) · 10-Q (4) · Net Loss (3) · governance (3) · 8-K (3) · financial-statements (3)

Key Numbers

• Net Loss: $22.47M — for the three months ended October 31, 2025, compared to $5.10M net income in prior year
• Provision for Credit Losses: $119.07M — for the three months ended October 31, 2025, up from $99.52M in prior year
• Loss on Extinguishment of Debt: $4.48M — for the three months ended October 31, 2025
• Cash and Cash Equivalents: $122.36M — as of October 31, 2025, up from $9.81M at April 30, 2025
• Senior Secured Note Payable: $261.91M — new debt as of October 31, 2025
• Dealerships Operated: 154 — as of October 31, 2025
• Dealership Closures: 5 — subsequent to quarter end for footprint optimization
• Weighted Average Interest Rate: 17.6% — on installment sale contracts
• Common Shares Outstanding: 8,294,807 — as of December 3, 2025
• Net loss attributable to common stockholders: $5.736M — Increased from $0.974 million in the prior year, indicating significant financial deterioration.
• Total revenues: $341.312M — Decreased from $347.763 million year-over-year, primarily due to lower sales.
• Provision for credit losses: $103.036M — Increased from $95.423 million, signaling worsening credit quality in the loan portfolio.
• Finance receivable balances 30 days or more past due: 3.8% — Increased from 3.4% at April 30, 2025, indicating higher delinquency rates.
• Sales revenue: $276.240M — Decreased from $287.248 million in the prior year, contributing to overall revenue decline.
• Interest and other income: $65.072M — Increased from $60.515 million, partially offsetting the decline in sales revenue.

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