NASDAQ$CRMT

Americas Car-Mart Inc · Q2 2026 earnings

Q2 2026 earnings · · Before market open · Investor relations

Briefing

America's Car-Mart reported Q2 2026, revenue of $350.2M, net income of $5.1M, diluted EPS of $0.61.

For Q2 2026, America's Car-Mart reported revenue of $350.2M, net income of $5.1M, diluted EPS was $0.61. Management discusses operating trends, capital allocation, and outlook in the earnings release or periodic filing.

  • Revenue $350.2M.
  • Net income $5.1M.
  • Diluted EPS $0.61.

Headline financials

Total Revenue

$350M

Previous: $347M+0.8%
EPS (adj)

$0.61

Previous: $0.61+0.0%
Net charge-offs

$106M

Previous: $100M+6.2%
SG&A Expense

$57.2M

Previous: $47.4M+20.7%
Gross Margin

37.5%

Previous: 39.4%-4.8%
Allowance for Credit Losses

24.2%

Previous: 24.7%-2.1%
Average Down Payment

4.8%

Previous: 5.2%-7.7%
Capital Expenditures

-$1.24M

Previous: -$2.34M+46.8%
Free Cash Flow

-$23.7M

Previous: $2.76M-958.9%
Net Income

-$22.5M

Previous: $5.1M-540.7%
Operating Income

-$9.11M

Previous: $25.1M-136.3%
Gross Profit

$171M

Previous: $174M-1.7%
Cash & Equivalents

$122M

Previous: $8.01M+1428.4%
Total Assets

$1.72B

Previous: $1.58B+9.1%

Revenue & EPS history

Car-Mart · Revenue · Quarterly

$350M

Q2 2026+0.8%vs Q2 2025
Beat estimate in 9 of 14 quarters(64%)
ActualEstimate

Forward guidance

The filing outlines America's Car-Mart's outlook, including operating priorities, capital allocation, and key risks, with specific numeric guidance where management provided it.

Tailwinds

  • America's Car-Mart cites execution on growth initiatives and balance-sheet flexibility.
  • Management emphasizes capital allocation and operational priorities in the filing.

Headwinds

  • Macro, pricing, and competitive pressure may affect margins.
  • One-time items and segment mix can affect quarter-to-quarter comparability.

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 2026

Historical avgQ2 2026

+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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