The earnings call reflected a positive sentiment, with significant improvements in net income, securitization success, and enhancements in payment options and credit performance. While there were challenges related to increased SG&A expenses and supply constraints due to tariffs, the company's strategic focus and leadership transitions are positioning it for future growth.

Company Guidance

During America's Car-Mart's fourth quarter fiscal year 2025 earnings call, the company provided significant guidance on its financial trajectory and strategic initiatives. The call highlighted a net income of $17.9 million, marking a notable turnaround from a $31.4 million net loss the previous year, reflecting an improvement of over $49 million. Key metrics such as gross margin improved to 36.4% for the quarter, with a year-over-year increase of 200 basis points, reaching 36.7% for the full fiscal year. The company also reported an increase in unit sales volume by 2.6% and a 4.2% rise in interest income for the quarter. Additionally, they announced the successful issuance of $216 million in asset-backed notes with a weighted average coupon of 6.27%, a 22 basis point improvement over January's issuance. The company is optimistic about its future growth, leveraging new underwriting and pricing models to enhance credit performance and customer engagement. These strategic moves are expected to optimize the company’s risk management, financial performance, and market share capture.

Significant Improvement in Net Income

The company reported a net income of $17.9 million for FY 2025, compared to a net loss of $31.4 million in the previous year, marking an improvement of over $49 million.

Successful Securitization

The company successfully closed its seventh term securitization, issuing $216 million in asset-backed notes with a weighted average coupon of 6.27%, a 22 basis point improvement versus the previous issuance.

Enhancements in Payment Options

The company relaunched 'Pay Your Way,' expanding payment options to include Apple Pay, Google Pay, Venmo, and PayPal, thus improving customer convenience and satisfaction.

Increased Gross Margin

Q4 gross margin increased to 36.4% from 35.5% a year ago, with a full-year gross margin improvement of 200 basis points to 36.7%.

Improved Credit Performance

Net charge-offs as a percentage of average finance receivables improved to 6.9% from 7.3% in the prior year quarter, with an improvement of 130 basis points for the full year.

Expansion of Capital Markets Team

The company appointed Marie Persichetti as the new Senior Vice President of Capital Markets to diversify and improve funding platforms.

America's Car-Mart (CRMT) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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CRMT Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Aug 13, 2025	2026 (Q1)	0.83 / -	-0.15	―	―	―
Jun 12, 2025	2025 (Q4)	0.86 / 1.26	0.06	2000.00% (+1.20)	―
Mar 06, 2025	2025 (Q3)	0.10 / 0.37	-1.34	127.61% (+1.71)	―
Dec 05, 2024	2025 (Q2)	-0.15 / 0.61	-4.3	114.19% (+4.91)	―
Sep 04, 2024	2025 (Q1)	0.66 / -0.15	0.63	-123.81% (-0.78)	―
Jun 18, 2024	2024 (Q4)	0.20 / 0.06	0.32	-81.25% (-0.26)	―
Mar 08, 2024	2024 (Q3)	-1.09 / -1.34	0.23	-682.61% (-1.57)	―
Dec 05, 2023	2024 (Q2)	0.79 / -4.30	0.48	-995.83% (-4.78)	―
Sep 05, 2023	2024 (Q1)	0.91 / 0.63	2	-68.50% (-1.37)	―
May 24, 2023	2023 (Q4)	0.91 / 0.32	4.01	-92.02% (-3.69)	―

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
Jun 12, 2025	$57.74	$50.00	-13.40%
Mar 06, 2025	$38.36	$44.47	+15.93%
Dec 05, 2024	$45.70	$53.00	+15.97%
Sep 04, 2024	$59.68	$50.34	-15.65%

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.