AMERICAS CARMART INC
For the period ended Jul 31, 2026. Filed Sep 9, 2026.
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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.
Jul 31, 2026 · Filed Sep 9, 2026
CRMT$0.87-23.5%Stored close · as of Nov 10, 2026
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Condensed Consolidated Statements of Cash Flows (Unaudited)
| Three Months EndedJuly 31, | ||
|---|---|---|
| 2026 | 2025 | |
| (In thousands) · (Unaudited) | ||
| Operating Activities: | ||
| Net loss | $(68,980) | $(5,736) |
| Adjustments to reconcile net loss to net cash used in operating activities: | ||
| Provision for credit losses | 71,559 | 103,036 |
| Losses on claims for accident protection plan | 7,132 | 8,595 |
| Depreciation and amortization | 1,802 | 2,139 |
| Amortization of debt issuance costs | 2,956 | 1,269 |
| (Gain) loss on disposal of property and equipment | 178 | (9) |
| Impairment of goodwill | — | 14 |
| Stock based compensation | (190) | 1,157 |
| Deferred income taxes | — | 608 |
| Paid-in-kind interest added to principal | 1,061 | — |
| Change in operating assets and liabilities: | ||
| Finance receivable originations | (40,976) | (262,746) |
| Finance receivable collections | 108,810 | 118,720 |
| Accrued interest on finance receivables | 1,110 | (713) |
| Inventory | 41,514 | 28,618 |
| Prepaid expenses and other assets | (4,050) | (787) |
| Accounts payable and accrued liabilities | (12,178) | 3,205 |
| Deferred accident protection plan revenue | (10,970) | (578) |
| Deferred service contract revenue | (18,633) | (455) |
| Income taxes, net | (76) | (2,255) |
| Net cash provided by (used in) operating activities | $80,069 | $(5,918) |
| Investing Activities: | ||
| Purchase of property and equipment | (90) | (459) |
| Proceeds from sale of property and equipment | 881 | 20 |
| Net cash provided by (used in) investing activities | $791 | $(439) |
| Financing Activities: | ||
| Issuance of common stock | 29 | 69 |
| Purchase of common stock | (25) | (71) |
| Dividend payments | (10) | (10) |
| Change in cash overdrafts | — | 6,162 |
| Debt issuance costs | (662) | (1,708) |
| Issuances of non-recourse notes payable | — | 216,000 |
| Payments of non-recourse notes payable | (101,861) | (177,499) |
| Proceeds from revolving line of credit | — | 158,571 |
| Payments on revolving line of credit | — | (198,267) |
| Net cash provided by (used in) financing activities | $(102,529) | $3,247 |
| Decrease in cash, cash equivalents, and restricted cash | (21,669) | (3,110) |
| Cash, cash equivalents, and restricted cash beginning of period | 131,646 | 124,537 |
| Cash, cash equivalents, and restricted cash end of period | $109,977 | $121,427 |
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