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

Investor webinar replay

Replay transcript excerpt

all participants are in a listen-only mode. After the speaker presentation, there will be a question and answer session. To ask a question during the session, you will need to press star 1-1 on your telephone. To remove yourself from the queue, you may press star 1-1 again. I would now like to hand the call over to Vicki Judy, Chief Financial Officer. Please go ahead. Good morning. I'm Vicki Judy, the company's chief financial officer. Welcome to America's Car Mart's third quarter fiscal year 2025 earnings call for the period ending January 31st, 2025. Joining me on the call today is Doug Campbell, our company's president and CEO, and Jamie Fisher, our COO. We issued our earnings release earlier this morning, and it is available on our website, along with supplemental slides detailing our cash on cash returns, and our loan origination system performance improvements. We will post the transcript of our prepared remarks following this call, and the Q&A session will be available through the webcast. During today's call, certain statements we make may be considered forward-looking and inherently involve risks and uncertainties that could cause actual results to differ materially from management's present view. These statements are made pursuant to the safe harbor provision of the Private Securities Litigation Reform Act of 1995. The company cannot guarantee the accuracy of any forecast or estimate, nor does it undertake any obligation to update such forward-looking statements. For more information, including important cautionary notes, please see Part 1 of the company's annual report on Form 10-K for the fiscal year ended April 30, 2024, and our current and quarterly reports furnished to or filed with the Securities Exchange Commission on Forms 8K and 10Q. As a note, the...