AMERICAS CARMART INC

For the period ended Jul 31, 2026. Filed Sep 9, 2026.

About 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.

Jul 31, 2026 · Filed Sep 9, 2026

CRMT$1.14-20.8%Stored close · as of Nov 9, 2026

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Contents

Condensed Consolidated Balance Sheets (Unaudited)

	July 31, 2026	April 30, 2026
(Dollars in thousands except share and per share amounts) · (Unaudited)
Assets:
Cash and cash equivalents	$27,532	$46,962
Restricted cash	82,445	84,684
Accrued interest on finance receivables	6,919	8,029
Finance receivables, net of allowance for credit losses of $276,952 and $329,901, respectively	909,797	1,079,167
Inventory	35,194	54,074
Income tax receivable, net	3,600	3,524
Prepaid expenses and other assets	35,535	31,349
Right-of-use asset	42,266	43,429
Goodwill	22,764	22,767
Property and equipment, net	40,087	42,855
Total Assets	$1,206,139	$1,416,840
Liabilities:
Accounts payable	$22,173	$32,063
Deferred accident protection plan revenue	33,970	44,940
Deferred service contract revenue	32,841	51,474
Accrued liabilities	34,819	35,901
Deferred income tax liabilities, net	34,207	34,207
Lease liability	47,389	49,833
Non-recourse notes payable, net	357,655	458,685
Senior secured notes payable, net	266,205	263,681
Total liabilities	$829,259	$970,784
Commitments and contingencies (Note L)
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; 15,692,699 and 15,657,592 issued at July 31, 2026 and April 30, 2026, respectively, of which 8,338,478 and 8,305,520 were outstanding at July 31, 2026 and April 30, 2026, respectively	157	157
Additional paid-in capital	210,645	210,806
Retained earnings	464,120	533,110
Less: Treasury stock, at cost, 7,354,221 and 7,352,072 shares at July 31, 2026 and April 30, 2026, respectively	(298,542)	(298,517)
Total stockholders’ equity	376,380	445,556
Non-controlling interest	100	100
Total equity	376,480	445,656
Total Liabilities, Mezzanine Equity and Equity	$1,206,139	$1,416,840

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.