Symbols

CRMT

America's Car-Mart·NASDAQ

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CRMT fundamentals

CRMT Q3 2026 Earnings

America's Car-Mart (CRMT) released its earnings on Mar 12, 2026: revenue was 286.79M (YoY -11.95%), missed estimates; EPS was -9.25 (YoY -2600.00%), missed estimates.

Revenue / YoY

286.79M

-11.95%

EPS / YoY

-9.25

-2600.00%

Report date

Mar 12, 2026

CRMT Earnings Call Summary for Q3,2026

Volume constrained by capital, not demand: 22.1% YoY decline in retail units due to inventory limits, not customer demand. Winter Storm Fern exacerbated Q3 challenges.
ABS transaction success: Completed $161.3M non-turbo ABS deal in a challenging market, signaling investor confidence in portfolio quality.
Inventory rebuilding underway: Tax season inventory up 44% from December lows, but dependent on securing a warehouse facility.
Cost control progress: 18 store closures reduced SG&A to 21.9% of sales; Q4 will show full savings impact. Will actively manage expenses to match revenue.
Credit resilience: Despite macro headwinds, highest credit tier customers now 66.7% of receivables, up from 62.8% YoY.
Key risk: Delays in warehouse facility could limit origination growth, requiring potential cost-cutting measures to preserve runway.

Earnings

EPS

Revenue

Revenue & Expenses

CRMT has released its 2026 Q3 earnings report, with revenue of 286.79M, reflecting a YoY change of -11.95%, and net profit of -76.70M, showing a YoY change of -2525.77%. The Sankey diagram below clearly presents CRMT's revenue sources and cost distribution.

Key Indicators

America's Car-Mart (CRMT) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

America's Car-Mart (CRMT)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

America's Car-Mart (CRMT)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

America's Car-Mart (CRMT)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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