AMERICAS CARMART INC
For the period ended Oct 31, 2025. Filed Dec 9, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Oct 31, 2025 · Filed Dec 9, 2025
CRMT$0.87-23.5%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Condensed Consolidated Balance Sheets (Unaudited) – and
Condensed Consolidated Balance Sheets (Unaudited)
October 31, 2025 and April 30, 2025
| (Dollars in thousands except share and per share amounts) | October 31, 2025 | April 30, 2025 |
|---|---|---|
| Assets: · (Unaudited) | ||
| Cash and cash equivalents | $122,362 | $9,808 |
| Restricted cash | 128,609 | 114,729 |
| Accrued interest on finance receivables | 7,522 | 7,432 |
| Finance receivables, net of allowance for credit losses of $338,827 and $323,100 | 1,172,025 | 1,180,673 |
| Inventory | 104,751 | 112,229 |
| Income tax receivable, net | 7,704 | - |
| Prepaid expenses and other assets | 37,233 | 38,082 |
| Right-of-use asset | 61,501 | 63,825 |
| Goodwill | 23,685 | 22,802 |
| Property and equipment, net | 52,528 | 56,894 |
| Total Assets | $1,717,920 | $1,606,474 |
| Liabilities, mezzanine equity and equity: | ||
| Liabilities: | ||
| Accounts payable | $45,549 | $34,980 |
| Deferred accident protection plan revenue | 50,320 | 51,458 |
| Deferred service contract revenue | 59,255 | 61,787 |
| Accrued liabilities | 36,750 | 35,949 |
| Income tax payable, net | - | 1,451 |
| Deferred income tax liabilities, net | 7,754 | 7,146 |
| Lease liability | 65,820 | 67,002 |
| Non-recourse notes payable, net | 635,034 | 572,010 |
| Senior secured note payable, net | 261,912 | - |
| Revolving line of credit, net | - | 204,769 |
| Total liabilities | 1,162,394 | 1,036,552 |
| Commitments and contingencies (Note K) | ||
| Mezzanine equity: | ||
| Mandatorily redeemable preferred stock | 400 | 400 |
| Equity: | ||
| Preferred stock, par value $0.01 per share, 1,000,000 shares authorized; none issued or outstanding | - | - |
| Common stock, par value $0.01 per share, 50,000,000 shares authorized; 15,645,710 and 15,605,818 issued at October 31, 2025 and April 30, 2025, respectively, of which 8,294,520 and 8,263,280 were outstanding at October 31, 2025 and April 30, 2025, respectively | 156 | 156 |
| Additional paid-in capital | 209,333 | 195,225 |
| Retained earnings | 644,033 | 672,261 |
| Less: Treasury stock, at cost, 7,351,190 and 7,342,538 shares at October 31, 2025 and April 30, 2025, respectively | (298,496) | (298,220) |
| Total stockholders' equity | 555,026 | 569,422 |
| Non-controlling interest | 100 | 100 |
| Total equity | 555,126 | 569,522 |
| Total Liabilities, Mezzanine Equity and Equity | $1,717,920 | $1,606,474 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.