America's Car-mart, Inc. · NASDAQ:CRMT
America's Car-mart — Q4 FY2025 Earnings Presentation
10 slides from America's Car-mart's earnings presentation, Jun 12, 2025
Slide 1: Q4 FY'25 Supplemental Slides
AMERICA’S CAR-MART, INC. Nasdaq: CRMT Q4 FY’25 Supplemental Slides June 12, 2025
Slide 2: Disclaimer
Disclaimer The recipient of this presentation acknowledges and agrees that (i) this presentation has been prepared by Americas Car-Mart, Inc. (the “Company”) and it is being provided to the recipient on a confidential basis for informational purposes only, (ii) the Company and its affiliates make no
Slide 3: Overview of America's Car-Mart
Overview of America’s Car-Mart Exclusively Focused on Integrated Auto Sales and Finance Company Snapshot ⚫ America’s Car-Mart, Inc. is one of the largest publicly held automotive retailers operating exclusively in the “Integrated Founded: 1981 Auto Sales & Finance” segment of the subprime used car m
Slide 4: Our Customers
Our Customers We Serve the Average American in Smaller Communities where Access to Private Vehicles Provides Essential Economic Mobility 104.7k $612(1) Average Total Collected Active Customer Count per Active Customer per Month Implementation of risk- 48.3 months 6.2%(1) based pricing will increase
Slide 5: Continued and Successful Execution of Key Initiatives and Implementation of Advanced Capabilities
Continued and Successful Execution of Key Initiatives and Implementation of Advanced Capabilities The Management Team Continues to Successfully Execute and Deliver on its Strategic Initiatives Loan Origination Cox Automotive Risk-Based Upgraded Customer System (“LOS”) Partnership Pricing Payments In
Slide 6: New LOS vs. Legacy Systems
New LOS vs. Legacy Systems Early tracking of credit performance indicates promising prospects in improving both the frequency and severity of losses % Cumulated Net Losses(1) (“CNL”) – Oct’23-April’25 Vintages Legacy New LOS 19.3% Improvement • Data represents Oct 2023 - April 2025 vintages which ar
Slide 7: Upgraded Customer Payments Infrastructure
Upgraded Customer Payments Infrastructure More choices, less hassle, pay your way. In-Person at Dealership Pay by Phone “Upgraded hardware for faster transaction speeds” “Same day payment posting with new capability for customized partial payments” Mobile Pass Online Customer Portal “New Mobile Pass
Slide 8: Continuously Strengthening Our Capital Efficiency
Continuously Strengthening Our Capital Efficiency Balance Sheet Strength • Secured by eligible finance receivables and inventory Ratio of debt, net of total cash, Revolving Credit • Borrowing Capacity: $350M to financial receivables Facility • Maturity: March 2027 • Balance Outstanding: $208M(1) at
Slide 9: Appendix
Appendix 8
Slide 10: Supplemental Cash-on-Cash/IRR Returns Q4 2025
Supplemental Cash-on-Cash/IRR Returns Q4 2025 Covid Period 83.7% 76.7% Our pools consistently deliver attractive returns. The 66.0% improving CoC/IRR trend 49.6% demonstrates that our 38.7% enhanced underwriting, LOS and risk-based pricing are 26.9% generating superior risk- 42 43 43 43 44 45 44 43