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CRMT · Americas Carmart Inc · Earnings Call Transcripts & Audio

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$1.04 +0.02 (+1.96%)
Rebalance outlook locked
Going-concern doubt — flagged Sep 9, 2026

Substantial doubt about the company's ability to continue as a going concern.

“Accordingly, there is substantial doubt about the Company's ability to continue as a going concern within one year after the date that these Condensed Consolidated Financial Statements are issued.”
View the 10-Q filed Sep 9, 2026
Market Cap
$8.84M
Shares
8.34M
Volume · Oct 1 147.4K Avg daily vol (3M) 492.5K

Americas Carmart Inc Earnings Call Transcripts

Quarterly earnings calls for Americas Carmart Inc (CRMT), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. Investor days and conferences appear here too.

Pull transcripts and briefs through the earnings call transcript API or MCP →

Revenue & result across quarters

Revenue Net income YoY up YoY down artefacts
▲23.7% $351.84M $3.14M '23 Q2 22-11-17 ▲13.2% $325.34M $1.51M '23 Q3 23-02-22 ▲13.6% $384.42M $2.09M '23 Q4 23-05-24 ▲8.3% $366.79M $4.19M '24 Q1 23-09-05 ▲2.3% $359.78M −$27.46M '24 Q2 23-12-05 ▼7.9% $299.61M −$8.54M '24 Q3 24-03-08 ▼4.3% $367.70M $426,000 '24 Q4 24-06-18 ▼5.2% $347.76M −$964,000 '25 Q1 24-09-04 ▼3.5% $347.27M $5.10M '25 Q2 24-12-05 ▲8.7% $325.73M $3.16M '25 Q3 25-03-06 ▲0.7% $370.17M $10.63M '25 Q4 25-06-12 ▼1.9% $341.31M −$5.74M '26 Q1 25-09-04 ▲0.8% $350.19M −$22.47M '26 Q2 25-12-04 ▼12% $286.79M −$76.70M '26 Q3 26-03-12 ▼18.1% $303.21M −$34.20M '26 Q4 26-07-14 LATEST ▼57.3% $145.75M −$68.98M '27 Q1 26-09-09
Earnings call
FY27 · Q1
2026-09-09
Americas Carmart Inc (CRMT) Q1 2027 Earnings Call
Revenue
$145.75M
▼ 57.3% YoY
Diluted EPS
$-8.28
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q4
2026-07-14
Americas Carmart Inc (CRMT) Q4 2026 Earnings Call Transcript
Cautious tone Liquidity and capital structure Strategic review and alternatives Credit quality and charge-offs
Revenue
$303.21M*
▼ 18.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY26 · Q3
2026-03-12
Americas Carmart Inc (CRMT) Q3 2026 Earnings Call Transcript
Balanced tone Capital structure and warehouse facility Winter Storm Fern impact Demand and tax refund season
Revenue
$286.79M
▼ 12% YoY
Diluted EPS
$-9.25
▼ 2600% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q2
2025-12-04
Americas Carmart Inc (CRMT) Q2 2026 Earnings Call Transcript
Balanced tone Pay Your Way digital payments Term loan and capital flexibility Macroeconomic uncertainty and credit allowance
Revenue
$350.19M
▲ 0.8% YoY
Diluted EPS
$-2.71
▼ 544.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q1
2025-09-04
Americas Carmart Inc (CRMT) Q1 2026 Earnings Call Transcript
Positive tone Consumer health and delinquencies Payment experience (Pay Your Way) Credit quality and underwriting (LOS V2)
Revenue
$341.31M
▼ 1.9% YoY
Diluted EPS
$-0.69
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2025-06-12
Americas Carmart Inc (CRMT) Q4 2025 Earnings Call Transcript
Positive tone Underwriting improvements and LOS expansion Disciplined growth and shareholder value Leadership transitions and new hires
Revenue
$370.17M*
▲ 0.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-03-06
Americas Carmart Inc (CRMT) Q3 2025 Earnings Call Transcript
Positive tone Loan Origination System and Underwriting Credit Quality and Charge-offs Funding and Capital Markets
Revenue
$325.73M
▲ 8.7% YoY
Diluted EPS
$0.37
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2024-12-05
Americas Carmart Inc (CRMT) Q2 2025 Earnings Call Transcript
Cautious tone Loan origination system (LOS) and underwriting Acquisition pipeline and Cox partnership Sales volume and consumer affordability
Revenue
$347.27M
▼ 3.5% YoY
Diluted EPS
$0.61
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2024-09-04
Americas Carmart Inc (CRMT) Q1 2025 Earnings Call Transcript
Positive tone Loan origination system rollout SG&A management and cost savings Credit risk and underperforming dealerships
Revenue
$347.76M
▼ 5.2% YoY
Diluted EPS
$-0.15
▼ 123.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2024-06-18
Americas Carmart Inc (CRMT) Q4 2024 Earnings Call Transcript
Positive tone Loan origination system (LOS) performance Strategic acquisitions Inventory and tax season
Revenue
$367.70M*
▼ 4.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-03-08
Americas Carmart Inc (CRMT) Q3 2024 Earnings Call Transcript
Positive tone Loan Origination System (LOS) Implementation Unit Volume Decline Deal Structure and Profitability
Revenue
$299.61M
▼ 7.9% YoY
Diluted EPS
$-1.34
▼ 682.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2023-12-05
Americas Carmart Inc (CRMT) Q2 2024 Earnings Call Transcript
Revenue
$359.78M
▲ 2.3% YoY
Diluted EPS
$-4.30
▼ 995.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2023-09-05
Americas Carmart Inc (CRMT) Q1 2024 Earnings Call Transcript
Revenue
$366.79M
▲ 8.3% YoY
Diluted EPS
$0.63
▼ 69.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2023-05-24
Americas Carmart Inc (CRMT) Q4 2023 Earnings Call Transcript
Revenue
$384.42M*
▲ 13.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-02-22
Americas Carmart Inc (CRMT) Q3 2023 Earnings Call Transcript
Revenue
$325.34M
▲ 13.2% YoY
Diluted EPS
$0.23
▼ 91.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2022-11-17
Americas Carmart Inc (CRMT) Q2 2023 Earnings Call Transcript
Revenue
$351.84M
▲ 23.7% YoY
Diluted EPS
$0.48
▼ 85.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2022-08-18
Americas Carmart Inc (CRMT) Q1 2023 Earnings Call Transcript
Revenue
$338.82M
▲ 20.9% YoY
Diluted EPS
$2.07
▼ 42% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2022-05-24
Americas Carmart Inc (CRMT) Q4 2022 Earnings Call Transcript
Revenue
$338.38M*
▲ 25.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-02-17
Americas Carmart Inc (CRMT) Q3 2022 Earnings Call Transcript
Revenue
$287.29M
▲ 25.9% YoY
Diluted EPS
$2.82
▼ 1.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2021-11-18
Americas Carmart Inc (CRMT) Q2 2022 Earnings Call Transcript
Revenue
$284.54M
▲ 27.4% YoY
Diluted EPS
$3.41
▲ 11.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2021-08-18
Americas Carmart Inc (CRMT) Q1 2022 Earnings Call Transcript
Revenue
$280.33M
▲ 49.2% YoY
Diluted EPS
$3.57
▲ 26.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2021-05-25
Americas Carmart Inc (CRMT) Q4 2021 Earnings Call Transcript
Revenue
$270.14M*
▲ 38% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-02-17
Americas Carmart Inc (CRMT) Q3 2021 Earnings Call Transcript
Revenue
$228.26M
▲ 22.2% YoY
Diluted EPS
$2.85
▲ 55.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2020-11-17
Americas Carmart Inc (CRMT) Q2 2021 Earnings Call Transcript
Revenue
$223.36M
▲ 17.4% YoY
Diluted EPS
$3.05
▲ 52.5% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2020-08-18
Americas Carmart Inc (CRMT) Q1 2021 Earnings Call Transcript
Revenue
$187.91M
▲ 9.3% YoY
Diluted EPS
$2.83
▲ 28.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2020-05-21
Americas Carmart Inc (CRMT) Q4 2020 Earnings Call Transcript
Revenue
$195.69M
▲ 10.6% YoY
Diluted EPS
$1.35
▼ 34.8% YoY
Gross margin
35.6%
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-02-19
Americas Carmart Inc (CRMT) Q3 2020 Earnings Call Transcript
Revenue
$186.73M
▲ 15.9% YoY
Diluted EPS
$1.83
▲ 18.1% YoY
Gross margin
35.2%
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2019-11-18
Americas Carmart Inc (CRMT) Q2 2020 Earnings Call Transcript
Revenue
$190.31M
▲ 13.8% YoY
Diluted EPS
$2.00
▲ 26.6% YoY
Gross margin
35.7%
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Showing 1–28 of 28 earnings calls
Key facts CIK 799850 CUSIP 03062T105 13F (30d) 1 filings 1 filers Visit website Investor relations