NASDAQ$CRMT
Americas Car-Mart Inc · Q2 2025 earnings
Q2 2025 earnings · · Investor relations
Briefing
America's Car-Mart reported results for the second quarter of fiscal year 2025, navigating industry and economic pressures through strategic decisions and improvements in underwriting and expense management.
America's Car-Mart reported a revenue decline of 3.5% primarily driven by a decrease in retail units sold, partially offset by an increase in interest income and a benefit in service contract revenue. The company saw improvements in gross margins and net charge-offs, and made strategic decisions to strengthen its position for future growth.
- Revenue declined by 3.5% due to lower retail units sold, but was partially offset by increased interest income and a service contract revenue benefit.
- Gross profit margin improved to 39.4%, including a 290 bps benefit from a service contract accounting change.
- Net charge-offs improved to 6.6% of average finance receivables.
- SG&A expense increased by 5.7% to $47.4 million, driven by acquisitions and stock compensation increases.
Headline financials
Revenue & EPS history
Car-Mart · Revenue · Quarterly
$347M
Forward guidance
Car-Mart is well positioned for future growth and profitability.
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 Q2 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
| Quarter | Report date | Reaction (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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