NASDAQ$CRMT

Americas Car-Mart Inc · Q1 2025 earnings

Q1 2025 earnings · · Investor relations

Briefing

America's Car-Mart reported a decrease in revenue due to lower unit sales, but gross profit margin improved. The company is focusing on affordability and strategic priorities to drive better results.

America's Car-Mart reported a 5.2% decrease in revenue, driven by a decrease in retail units sold. However, gross profit margin improved by 3.4%. The company is focusing on strategic priorities and cost control initiatives to improve results for the remainder of the fiscal year.

  • Revenue decreased by 5.2% due to lower retail unit sales.
  • Gross profit margin improved by 3.4%, driven by continued execution and focus on gross margin.
  • Net charge-offs increased to 6.4% of average finance receivables.
  • Average down payments improved to 5.2%, and projected cash-on-cash returns improved to 72.4%.

Headline financials

Total Revenue

$348M

Previous: $368M-5.5%
EPS

-$0.15

Previous: $0.63-123.8%
Net charge-offs

$6.40

Previous: $5.80+10.3%
SG&A Expense

$46.7M

No prior period
Gross Margin

35.0%

Previous: 0.2%+17400.0%
Allowance for Credit Losses

25.0%

No prior period
Average Down Payment

5.2%

No prior period
Capital Expenditures

-$986K

Previous: -$1.38M+28.5%
Free Cash Flow

-$1.95M

Previous: $2.81M-169.5%
Net Income

-$964K

Previous: $4.19M-123.0%
Operating Income

$17.1M

Previous: $19.8M-13.6%
Gross Profit

$161M

Previous: $164M-1.8%
Stock-Based Comp

$1.32M

No prior period

Revenue & EPS history

Car-Mart · Revenue · Quarterly

$348M

Q1 2025-5.5%vs Q1 2024
Beat estimate in 9 of 14 quarters(64%)
ActualEstimate

Forward guidance

The company expects strategic priorities and cost control initiatives to drive better results for the remainder of the fiscal year.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+1.0%

Avg return

Earnings day

+2.9%

Avg return

5 days after

-1.5%

Avg return

30 days after

56%

37 / 66 earnings

Positive

+27.9%

Q4 2022

Best reaction

-26.3%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2026+9.1%+75.5%
Q3 2026-8.0%-36.2%-41.8%
Q2 2026+10.9%+17.8%+3.9%
Q1 2026-18.0%-15.7%-31.5%
Q4 2025+0.0%-0.6%+22.8%
Q3 2025+15.9%+15.7%+13.8%
Q2 2025+17.4%+22.0%+7.7%
Q1 2025-11.6%-15.4%-29.0%
Q4 2024-2.8%-4.6%+7.0%
Q3 2024+5.6%+0.8%-5.2%
Q2 2024-21.3%-25.1%-21.1%
Q1 2024-16.5%-3.2%-4.6%
Q4 2023+0.1%-4.9%+5.9%
Q3 2023-7.0%-5.6%-15.0%
Q2 2023-4.9%-1.6%-1.1%
Q1 2023-26.3%-37.0%-44.6%
Q4 2022+27.9%+43.8%+24.7%
Q3 2022+8.0%-5.1%-8.8%
Q2 2022-10.0%-13.6%-14.8%
Q1 2022-20.1%-24.0%-26.4%
Q4 2021+8.7%+12.0%-3.3%
Q3 2021+4.0%+0.6%+17.1%
Q2 2021+7.5%+4.1%+15.2%
Q1 2021+5.8%+2.5%-11.3%
Q4 2020+9.1%+14.1%+23.8%
Q3 2020+6.7%-4.7%-66.7%
Q2 2020+14.0%+15.6%+24.2%
Q1 2020+3.5%-0.0%+6.2%
Q4 2019-8.7%-12.5%-14.7%
Q3 2019+3.4%+4.6%+6.0%
Q2 2019+16.4%+2.7%-2.2%
Q1 2019+25.6%+30.1%+27.3%
Q4 2018+14.7%+18.4%+23.4%
Q3 2018+3.8%+11.0%+7.7%
Q2 2018+11.3%+10.5%+5.0%
Q1 2018+1.9%+4.9%+8.7%
Q4 2017+6.9%+6.1%+5.7%
Q3 2017-15.6%-18.0%-11.3%
Q2 2017+2.2%+4.2%+7.2%
Q1 2017+14.2%+25.0%+18.7%
Q4 2016-6.9%+3.3%+9.9%
Q3 2016-3.9%
Q2 2016-12.2%
Q1 2016-12.8%
Q4 2015+0.4%
Q3 2015+3.4%
Q2 2015+12.9%
Q1 2015+11.7%
Q4 2014-1.8%
Q3 2014-4.1%
Q2 2014-5.4%
Q1 2014-5.2%
Q4 2013+0.4%
Q3 2013+10.5%
Q2 2013-11.3%
Q1 2013+0.7%
Q4 2010+7.2%
Q4 2012+7.2%
Q3 2011-3.2%
Q3 2012-3.2%
Q2 2012+2.3%
Q2 2011+2.3%
Q1 2011-2.3%
Q1 2012-2.3%
Q4 2011-2.3%
Q3 2010-0.9%

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