AI Earnings Predictions for America's Car-Mart Inc (CRMT)

EX-99.1

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PRESS RELEASE

EdgarFiling

EXHIBIT 99.1

America’s Car-Mart Reports Fourth Quarter and Fiscal Year 2026 Results

ROGERS, Ark., July 14, 2026 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the fourth quarter and full year ended April 30, 2026.

Full Year Key Results (FY’26 vs. FY’25, unless otherwise noted)

Total revenue of $1,281.5 million, down 7.9%; interest income increased 3.7% to $253.7 million

Sales volumes declined 14.3% to 48,891 units, reflecting reductions in both the active dealership base and inventory purchases, partially offset by a 3.4% increase in the average retail sales price

Gross profit per unit improved 1.0% to $7,442; gross margin percentage of 35.4% vs. 36.7%

Total collections of $730.0 million, up 2.2% year-over-year

Net charge-offs as a percentage of average finance receivables were 27.6% vs. 25.9%

SG&A of $208.1 million; includes $4.0 million in non-recurring restructuring-related charges; adjusted SG&A[ˆ] of $204.1 million, or 19.9% of sales

Non-cash impairment of $11.0 million related to the dealership consolidations, reported on a separate line

from SG&A

Loss per share of $16.79 and adjusted loss per share[1] of $3.71 [1] Calculation of this non-GAAP financial measure and a reconciliation to the most directly comparable GAAP measure are included in the tables accompanying this release.

President and CEO Doug Campbell commentary:

Our fourth quarter results reflect the actions we took to preserve liquidity, reduce risk, and operate within our capital structure — and you can see that in our financial performance. The year did not meet our expectations, but this is a liquidity and capital-structure story, not a credit-quality one.

On credit, our charge-off ratio ticked up to 7.5% in the fourth quarter, from 6.9% a year ago. Part of that is simply a smaller book — with fewer new loans, our finance receivables are about 6.4% smaller than a year ago, and a smaller balance raises the percentage. The rest reflects our customers paying more at the pump for much of the year, along with some disruption from our dealership consolidations — and we're watching both closely. Underlying credit behavior has been relatively stable, even against those pressures.

With respect to our dealership consolidations, the customer accounts from our closed stores moved to stronger nearby locations, or to a centralized collections team we built for the first time earlier this year — a way to serve accounts where the nearest store was no longer a practical fit. That was the right call for the business. It was also a hard one for the associates affected, and I don't want that to get lost in the numbers. We've worked to handle it the right way, with severance pay and assistance in helping those associates find their next role.

On June 19, 2026, we amended our credit agreement with our senior secured term loan lenders. The amendment gives us covenant relief and a defined window to complete our previously disclosed review of strategic and financing alternatives. It also sets specific milestones we are required to satisfy and meeting them is central to the path forward. You'll also see a going-concern disclosure in our Form 10-K. It's because we have not yet secured the additional financing or alternative transaction needed to resolve our liquidity constraint. An independent review is underway to assess a wide range of alternatives to get this right for the people who depend on us: our creditors, shareholders, customers, vendors, and associates.

To our customers: our job every day is still to keep you on the road, and that continues without interruption. To our vendors and associates: I know there are a lot of questions right now, and I'm not going to pretend otherwise. It takes what it takes to work through this the right way, and that's where our focus is. To our shareholders: I know this has been a difficult and uncertain period, and you have every right to expect us to work through it with urgency and discipline. That is exactly what this team and this Board are doing. Thank you for staying with us through a hard year. We do not take it for granted.

Fiscal year 2026 Key Operating Metrics

Dollars in thousands, except per share data. Dollar and percentage changes may not recalculate due to rounding. Charts may not be to scale.

Fourth Quarter Business Review

Note: Discussions in each section provide information for the fourth quarter of fiscal year 2026, compared to the fourth quarter of fiscal year 2025, unless otherwise noted.

SALES VOLUME – Retail units sold decreased 27.1% to 11,411 units when compared to the prior year's quarter.

These results were driven primarily by lower inventory levels — the result of the reduced availability of origination capital and reduced inventory purchases to preserve capital — and, to a lesser extent, the earlier store consolidations completed in the thi

Form 8-K

False 0000799850

0000799850

2026-03-12 2026-03-12

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xbrli:shares

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):  March 12, 2026

America's Car-Mart Inc.

(Exact name of registrant as specified in its charter)

Texas 0-14939 63-0851141

(State or Other Jurisdiction of Incorporation) (Commission File Number) (I.R.S. Employer Identification No.)

1805 North 2nd Street, Suite 401

Rogers, Arkansas 72756

(Address of Principal Executive Offices) (Zip Code)

(479) 464-9944

(Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, par value $0.01 per share

CRMT

NASDAQ

Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On March 12, 2025, America’s Car-Mart, Inc. (the “Company”) issued a press release announcing its operating results for the third quarter ended January 31, 2026. The press release contains certain financial, operating and other information for the period ended January 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference.

In accordance with General Instruction B.2., the information contained in Item 2.02 of this Form 8-K, including Exhibit 99.1 attached hereto, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act or the Exchange Act. The Company undertakes no obligation to update or revise this information.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number

Description

99.1

Press Release dated March 12, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

America's Car-Mart Inc.

Date: March 12, 2026 By: /s/ Jonathan Collins

Jonathan Collins

Chief Financial Officer (Principal Financial Officer)

Form 8-KFalse000079985000007998502025-12-042025-12-04iso4217:USDxbrli:sharesiso4217:USDxbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):  December 4, 2025

America's Car-Mart Inc.

(Exact name of registrant as specified in its charter)

Texas0-1493963-0851141 (State or Other Jurisdiction of Incorporation)(Commission File Number)(I.R.S. Employer Identification No.) 1805 North 2nd Street, Suite 401 Rogers, Arkansas 72756 (Address of Principal Executive Offices) (Zip Code) (479) 464-9944 (Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, par value $0.01 per shareCRMTNASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition. On December 4, 2025, America’s Car-Mart, Inc. (the “Company”) issued a press release announcing its operating results for the second quarter ended October 31, 2025. The press release contains certain financial, operating and other information for the period ended October 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference. In accordance with General Instruction B.2., the information contained in Item 2.02 of this Form 8-K, including Exhibit 99.1 attached hereto, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act or the Exchange Act. The Company undertakes no obligation to update or revise this information.

Item 9.01. Financial Statements and Exhibits. (d) Exhibits. Exhibit Number Description

99.1 Press Release dated December 4, 2025 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

America's Car-Mart Inc.

Date: December 4, 2025By: /s/ Jonathan Collins Jonathan Collins Chief Financial Officer (Principal Financial Officer)

EXHIBIT INDEX

Exhibit Number Description

99.1 Press Release dated December 4, 2025 104 Cover Page Interactive Data File (embedded within the Inline XBRL document)