AMERICAS CARMART INC
For the period ended Jan 31, 2026. Filed Mar 12, 2026.
View on SEC.govAbout this filing
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.
Jan 31, 2026 · Filed Mar 12, 2026
CRMT$0.87-23.5%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Condensed Consolidated Statements of Cash Flows (Unaudited) – and
| Condensed Consolidated Statements of Cash Flows (Unaudited) | America’s Car-Mart, Inc. |
|---|---|
| Nine Months Ended January 31, 2026 and 2025 | |
| Nine Months Ended January 31, | ||
|---|---|---|
| (In thousands) | 2026 | 2025 |
| (Unaudited) | ||
| Operating activities: | ||
| Net (loss) income | (104,911) | 7,297 |
| Adjustments to reconcile net (loss) income to net cash used in operating activities: | ||
| Provision for credit losses | 327,317 | 281,597 |
| Losses on claims for accident protection plan | 27,765 | 25,013 |
| Depreciation and amortization | 6,281 | 5,700 |
| Amortization of debt issuance costs | 6,273 | 4,070 |
| Loss on disposal of property and equipment | - | 4 |
| Impairment of assets | 4,634 | - |
| Change in goodwill | 28 | 120 |
| Stock based compensation | 3,315 | 3,785 |
| Deferred income taxes | 29,868 | (8,346) |
| Loss on extinguishment of debt | 2,726 | - |
| Change in operating assets and liabilities: | ||
| Finance receivable originations | (730,861) | (779,013) |
| Loan origination costs | - | 16 |
| Finance receivable collections | 351,754 | 338,736 |
| Accrued interest on finance receivables | (46) | (149) |
| Inventory | 101,797 | 53,330 |
| Prepaid expenses and other assets | 2,113 | (6,411) |
| Accounts payable and accrued liabilities | (12,149) | 16,065 |
| Deferred accident protection plan revenue | (4,319) | (1,462) |
| Deferred service contract revenue | (8,734) | (11,818) |
| Income taxes, net | (5,629) | 3,484 |
| Net cash used in operating activities | (2,778) | (67,982) |
| Investing Activities: | ||
| Acquisition | - | (7,527) |
| Purchases of property and equipment | (1,521) | (3,089) |
| Proceeds from sale of property and equipment | 154 | 24 |
| Net cash used in investing activities | (1,367) | (10,592) |
| Financing Activities: | ||
| Issuance of common stock | 178 | 74,041 |
| Purchase of common stock | (299) | (432) |
| Dividend payments | (30) | (30) |
| Change in cash overdrafts | (1,289) | 58 |
| Debt issuance costs | (18,064) | (6,963) |
| Issuances of non-recourse notes payable | 549,224 | 649,889 |
| Payments on non-recourse notes payable | (492,287) | (479,326) |
| Proceeds from revolving line of credit | 314,593 | 459,697 |
| Principal payments to revolving credit facility | (521,691) | (586,449) |
| Loss on extinguishment of debt | (1,750) | - |
| Proceeds from senior secured note payable | 288,000 | - |
| Net cash provided by financing activities | 116,585 | 110,485 |
| Increase in cash, cash equivalents, and restricted cash | 112,440 | 31,911 |
| Cash, cash equivalents, and restricted cash beginning of period | 124,537 | 94,447 |
| Cash, cash equivalents, and restricted cash end of period | $236,977 | $126,358 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.