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America’s Car-Mart (CRMT) investor relations material
America’s Car-Mart Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary4 Dec, 2025
Executive summary
Reported a net loss of $22.5 million, including $20 million in non-cash reserve adjustments and one-time charges tied to strategic repositioning actions.
Closed a $300 million term loan, repaid revolving line of credit, and increased total cash to $251 million from $124.5 million at fiscal year start, improving capital flexibility.
Consumer demand remains strong, with credit applications up 14.6% year-over-year despite lower inventory levels.
Consolidated five underperforming stores and reduced headcount by 10%, with a 10% reduction in store footprint expected after phase II.
Enhanced underwriting and digital payment platforms are improving portfolio quality and collection efficiency.
Financial highlights
Total revenue increased 0.8% to $350.2 million; adjusted revenue up 4.8% year-over-year, excluding prior year’s one-time benefit.
Gross profit margin was 37.5% vs. 39.4% prior year; adjusted for one-time items, margin improved by 100 bps year-over-year.
SG&A totaled $57.2 million, including $3.5 million in one-time expenses; SG&A as a percentage of sales was 20.0% (18.8% excluding one-time charges).
Net charge-offs increased to 7.0% from 6.6% year-over-year; delinquencies over 30 days improved by 62 bps to 3.14%.
Loss per share was $2.71; adjusted EPS loss was $0.79 per share, excluding non-cash and one-time charges.
Outlook and guidance
Plans to complete another ABS transaction and add a revolving warehouse facility in the second half of the year.
Inventory rebuild targeted for Q3 to capitalize on expected elevated tax refunds in Q4.
Phase II of cost reduction initiatives to be executed in Q3, aiming for further SG&A savings and a long-term target of 16.5% of sales.
Expectation to return to positive GAAP earnings as higher-quality loan originations mature and inventory levels normalize.
Ongoing cost initiatives and capital structure changes are expected to drive operating leverage and long-term shareholder value.
Future financing strategy post-term loan
Expected sales impact from store consolidations
NCO trajectory with LOS V2 portfolio growth
When will cost cuts drive GAAP earnings?
How does term loan validate credit quality claims?
Quantify Q3 inventory rebuild impact on sales.
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Next America’s Car-Mart earnings date
Q3 20265 Mar, 2026
Next America’s Car-Mart earnings date
Q3 20265 Mar, 2026
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Frequently asked questions
America’s Car-Mart, Inc. engages in the sale of used automobiles and financing of purchased vehicles to customers unable to secure financing from traditional lending sources. In addition to providing guaranteed auto financing for the entire amount financed, it also offers service plans to its customers for a minimal charge.
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