America's Car-mart, Inc. · NASDAQ:CRMT
America's Car-mart — Q4 2026 Earnings Presentation
5 slides from America's Car-mart's earnings presentation, Jul 14, 2026
Slide 1: Fiscal 2026 Q4 & Full Year Earnings Supplement
America’s Car-Mart Fiscal 2026 Q4 & Full Year Earnings Supplement July 14, 2026
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements address the Company’s future events, objectives, plans and goals, as well as the Company’s intent, beliefs a
Slide 3: Full Year FY26 Key Highlights
Full Year FY26 Key Highlights Full Year Key Highlights (FY’26 vs. FY’25, unless otherwise noted) • Total revenue of $1,281.5 million, down 7.9%; interest income increased 3.7% to $253.7 million • Sales volumes declined 14.3% to 48,891 units, reflecting reductions in both the active dealership base a
Slide 4: Fourth Quarter FY26 Non-Cash & One-Time Charges
Fourth Quarter FY26 Non-Cash & One-Time Charges Q4 FY26 GAAP Net Loss Q4 FY26 Non-Cash and One-Time Charges GAAP EPS loss • Credit Loss / Allowance Adjustment $24.9M per share of ($3.56) • Asset Impairment (Lot Closures & Non-Core) $6.4M • Restructuring-Related Charges $4.0M • Tax Effect of Adjustme
Slide 5: Cash-on-Cash Returns | Fourth Quarter FY26
Cash-on-Cash Returns | Fourth Quarter FY26 Our pools have consistently produced positive cash-on-cash1 returns and attractive IRRs 82.9% 72.6% 63.9% 47.3% 44 45 44 44 44 44 45 44 45 45 45 45 42 43 43 43 43 40.6% 39 40 40 37 35 32 32 33 30 30 31 24 24 23 23 24 23 22 28.6% 22 21 19 20 18 15 15 16 16 1