CRMT
America's Car-Mart·NASDAQ
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CRMT fundamentals
America's Car-Mart (CRMT) released its earnings on Sep 4, 2025: revenue was 341.30M (YoY -1.86%), missed estimates; EPS was -0.69 (YoY -360.00%), missed estimates.
Revenue / YoY
341.30M
-1.86%
EPS / YoY
-0.69
-360.00%
Report date
Sep 4, 2025
CRMT Earnings Call Summary for Q1,2026
- Revenue decline but margin expansion: 1.9% revenue decrease offset by 160 bps gross margin improvement; 10% YoY credit app growth signals demand resilience.
- Customer quality shift: 15% higher volume from top 3 tiers, 50% reduction in low-tier originations; NCOs at 6.6% reflect legacy portfolio challenges.
- Tech-driven savings: Pay Your Way platform to deliver 5% SG&A savings; Q1 SG&A growth expected to unwind 50% in H2.
- Capital constraint risk: $30M inventory financing cap limits sales growth; exploring alternatives to unlock $172M securitization capacity.
- Positive trends: 4x consecutive securitization coupon improvements, 72% portfolio under enhanced underwriting, and 26.5% YoY July app growth.
EPS
Revenue
Revenue & Expenses
CRMT has released its 2026 Q1 earnings report, with revenue of 341.31M, reflecting a YoY change of -1.85%, and net profit of -5.74M, showing a YoY change of -495.02%. 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.
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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Breakdown
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
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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Breakdown
Where does America's Car-Mart (CRMT) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
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Track America's Car-Mart (CRMT) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
You can ask Aime
What does America's Car-Mart do and what are its main business segments?What guidance did America's Car-Mart's management provide for the next earnings period?Did America's Car-Mart beat or miss consensus estimates last quarter?What were the key takeaways from America's Car-Mart's earnings call?What is America's Car-Mart's gross profit margin?What is the revenue and EPS growth rate for America's Car-Mart year over year?What factors drove the changes in America's Car-Mart's revenue and profit?What is the market's earnings forecast for America's Car-Mart next quarter?
