America's Car-Mart, Inc. (CRMT) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.035 all participants are in a listen-only mode. 00:00:03.035 -- 00:00:07.162 After the speaker presentation, there will be a question and answer session. 00:00:07.162 -- 00:00:12.169 To ask a question during the session, you will need to press star 1-1 on your telephone. 00:00:12.169 -- 00:00:16.856 To remove yourself from the queue, you may press star 1-1 again. 00:00:16.856 -- 00:00:20.942 I would now like to hand the call over to Vicki Judy, Chief Financial Officer. 00:00:20.942 -- 00:00:24.224 Please go ahead. 00:00:24.888 -- 00:00:28.713 Good morning. I'm Vicki Judy, the company's chief financial officer. 00:00:28.713 -- 00:00:33.699 Welcome to America's Car Mart's third quarter fiscal year 2025 earnings call for the 00:00:33.699 -- 00:00:37.221 period ending January 31st, 2025. 00:00:37.324 -- 00:00:42.371 Joining me on the call today is Doug Campbell, our company's president and CEO, and 00:00:42.371 -- 00:00:45.374 Jamie Fisher, our COO. 00:00:45.374 -- 00:00:50.161 We issued our earnings release earlier this morning, and it is available on our website, 00:00:50.161 -- 00:00:55.365 along with supplemental slides detailing our cash on cash returns, and our loan origination 00:00:55.365 -- 00:01:00.370 system performance improvements. We will post the transcript of our prepared 00:01:00.370 -- 00:01:06.157 remarks following this call, and the Q&A session will be available through the webcast. 00:01:06.157 -- 00:01:10.682 During today's call, certain statements we make may be considered forward-looking and 00:01:10.682 -- 00:01:15.187 inherently involve risks and uncertainties that could cause actual results to differ 00:01:15.187 -- 00:01:18.314 materially from management's present view. 00:01:18.314 -- 00:01:22.959 These stateme...