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America's Car-Mart (CRMT)
NASDAQ:CRMT
Earnings Data
Report Date
May 25, 2026After Close (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
-1.12Last Year’s EPS
1.26Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call described a mixed but manageable situation: the company faced a meaningful volume and revenue decline (22.1% and 12% respectively) driven chiefly by a capital-structure constraint (absence of a revolving warehouse facility) and an acute weather disruption, yet delivered several constructive operational and financing achievements — execution of a $300M term loan and a $161.3M ABS in a stressed market, improving unit economics (gross profit/unit +8.8%), stronger collections and credit mix, digital payments adoption, and a rebuilt cash balance. Key near-term risk remains the timing and completion of a revolving warehouse facility needed to fully restore origination capacity. Given the balance of substantial mitigating accomplishments against material near-term headwinds, the overall tone is mixed but resilient.Company Guidance
Successful Capital Markets Execution (Term Loan and ABS)
Closed $300M term loan in October (retiring revolving line) and executed a $161.3M ABS (2025-4) in December with a 7.02% weighted average coupon using a residual cash flow (non-turbo) structure — viewed as a sign of investor and rating agency confidence in a turbulent subprime market.
Gross Profit per Unit and Unit Cost Improvement
Gross profit per retail unit sold increased 8.8% year over year despite lower volumes; underlying unit cost improved ~1.9% and average retail sales price rose 7.1% to $20,634.
Collections and Cash Flow Strength
Total collections were $179M (up 1.5% YoY). Cash collected as a percentage of average finance receivables improved by 11 basis points YoY. Average collected per active account per month rose 2.3% to $581.
Improving Credit Mix and Controlled Charge-offs
Highest credit-tier customers grew to 66.7% of accounts receivable from 62.8% a year ago. Net charge-offs improved (declined from $106M to $96M sequentially) and units charged off fell roughly from ~10,300 to ~9,200.
Digital Payments and Collections Platform Adoption
Pay Your Way customers (automatic recurring payments) increased >250% since launch; ~65% of payment transactions are remote and the platform materially supported collections during Winter Storm Fern. Salesforce Collections CRM scaled from a 3-store pilot to ~15% of stores.
Inventory Rebuild Ahead of Tax Season
Inventory bottomed in December but was rebuilt ahead of tax season, increasing ~44% from the December low into February, supporting improving sales trends before the storm.
SG&A Actions and Leaner Store Footprint
Completed phases one and two of SG&A cost control including workforce reductions and consolidation of 18 locations; active store count now 136. Adjusted SG&A (ex $2.8M restructuring/impairment) was $48.7M or 21.9% of sales, with expected run-rate savings flowing in Q4.
Stronger Cash Position
Total cash (including restricted) increased to $237M at 01/31/2026 vs $124.5M at 04/30/2025, providing liquidity while capital structure transition continues.
CRMT Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CRMT Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 12, 2026 | $19.05 | $15.24 | -20.00% |
Sep 04, 2025 | $44.65 | $36.51 | -18.23% |
Sep 04, 2025 | $44.65 | $36.51 | -18.23% |
Jun 12, 2025 | $57.74 | $50.00 | -13.40% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does America's Car-Mart (CRMT) report earnings?
America's Car-Mart (CRMT) is schdueled to report earning on May 25, 2026, After Close (Confirmed).
What is America's Car-Mart (CRMT) earnings time?
America's Car-Mart (CRMT) earnings time is at May 25, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CRMT EPS forecast?
CRMT EPS forecast for the fiscal quarter 2026 (Q4) is -1.12.
