CRMT · Americas Carmart Inc
$3.09
+0.00 (+0.00%)
At close · Aug 14
Going-concern doubt
— flagged Jul 14, 2026
Substantial doubt about the company's ability to continue as a going concern.
“the existence of substantial doubt about the Company's ability to continue as a going concern, and the effects of that disclosure on the Company's relationships with customers, associates, suppliers, lenders and other stakeholders”View the 10-K filed Jul 14, 2026
Market Cap
$25.73M
Shares
8.33M
Americas Carmart Inc Earnings Call Transcripts
Every quarterly earnings call for Americas Carmart Inc (CRMT) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲20.9%
$338.82M
$13.70M
'23 Q1
22-08-18
▲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
LATEST
▼18.1%
$303.21M
−$34.20M
'26 Q4
26-07-14
Earnings call
FY26 · Q4
2026-07-14
Americas Carmart Inc Q4 FY2026 Earnings Call
Cautious tone
Liquidity and capital structure
Strategic review and alternatives
Credit quality and charge-offs
Revenue
$303.21M*
▼ 18.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY26 · Q3
2026-03-12
Americas Carmart Inc Q3 FY2026 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q2
2025-12-04
Americas Carmart Inc Q2 FY2026 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2025-09-04
Americas Carmart Inc Q1 FY2026 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2025-06-12
Americas Carmart Inc Q4 FY2025 Earnings Call
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
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-03-06
Americas Carmart Inc Q3 FY2025 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2024-12-05
Americas Carmart Inc Q2 FY2025 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2024-09-04
Americas Carmart Inc Q1 FY2025 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2024-06-18
Americas Carmart Inc Q4 FY2024 Earnings Call
Positive tone
Loan origination system (LOS) performance
Strategic acquisitions
Inventory and tax season
Revenue
$367.70M*
▼ 4.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-03-08
Americas Carmart Inc Q3 FY2024 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2023-12-05
Americas Carmart Inc Q2 FY2024 Earnings Call
Revenue
$359.78M
▲ 2.3% YoY Diluted EPS
$-4.30
▼ 995.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2023-09-05
Americas Carmart Inc Q1 FY2024 Earnings Call
Revenue
$366.79M
▲ 8.3% YoY Diluted EPS
$0.63
▼ 69.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2023-05-24
Americas Carmart Inc Q4 FY2023 Earnings Call
Revenue
$384.42M*
▲ 13.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-02-22
Americas Carmart Inc Q3 FY2023 Earnings Call
Revenue
$325.34M
▲ 13.2% YoY Diluted EPS
$0.23
▼ 91.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2022-11-17
Americas Carmart Inc Q2 FY2023 Earnings Call
Revenue
$351.84M
▲ 23.7% YoY Diluted EPS
$0.48
▼ 85.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2022-08-18
Americas Carmart Inc Q1 FY2023 Earnings Call
Revenue
$338.82M
▲ 20.9% YoY Diluted EPS
$2.07
▼ 42% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2022-05-24
Americas Carmart Inc Q4 FY2022 Earnings Call
Revenue
$338.38M*
▲ 25.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-02-17
Americas Carmart Inc Q3 FY2022 Earnings Call
Revenue
$287.29M
▲ 25.9% YoY Diluted EPS
$2.82
▼ 1.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2021-11-18
Americas Carmart Inc Q2 FY2022 Earnings Call
Revenue
$284.54M
▲ 27.4% YoY Diluted EPS
$3.41
▲ 11.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2021-08-18
Americas Carmart Inc Q1 FY2022 Earnings Call
Revenue
$280.33M
▲ 49.2% YoY Diluted EPS
$3.57
▲ 26.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2021-05-25
Americas Carmart Inc Q4 FY2021 Earnings Call
Revenue
$270.14M*
▲ 38% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-02-17
Americas Carmart Inc Q3 FY2021 Earnings Call
Revenue
$228.26M
▲ 22.2% YoY Diluted EPS
$2.85
▲ 55.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2020-11-17
Americas Carmart Inc Q2 FY2021 Earnings Call
Revenue
$223.36M
▲ 17.4% YoY Diluted EPS
$3.05
▲ 52.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2020-08-18
Americas Carmart Inc Q1 FY2021 Earnings Call
Revenue
$187.91M
▲ 9.3% YoY Diluted EPS
$2.83
▲ 28.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2020-05-21
Americas Carmart Inc Q4 FY2020 Earnings Call
Revenue
$195.69M
▲ 10.6% YoY Diluted EPS
$1.35
▼ 34.8% YoY Gross margin
35.6%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-02-19
Americas Carmart Inc Q3 FY2020 Earnings Call
Revenue
$186.73M
▲ 15.9% YoY Diluted EPS
$1.83
▲ 18.1% YoY Gross margin
35.2%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2019-11-18
Americas Carmart Inc Q2 FY2020 Earnings Call
Revenue
$190.31M
▲ 13.8% YoY Diluted EPS
$2.00
▲ 26.6% YoY Gross margin
35.7%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Showing 1–27 of 27 earnings calls
Key facts
CIK
799850
CUSIP
03062T105
13F (30d)
90 filings
75 filers
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