<span item_type="fundamental" item_id="2cf451aa02a09ebc412d678a554e760a" counter_id="ST/US/CRMT" env="prod"></span><span item_type="announcement" item_id="590012981866529921" env="prod"></span><p>Revenue: As of FY2026 Q2, the actual value is USD 350.19 M, beating the estimate of USD 331.02 M.</p><p>EPS: As of FY2026 Q2, the actual value is USD -2.71, missing the estimate of USD -0.575.</p><p>EBIT: As of FY2026 Q2, the actual value is USD -55.52 M.</p><p></p><h3>Segment Revenue</h3><ul><li>Total revenue for the second quarter of fiscal year 2026 was $350.2 million, an increase of 0.8% year-over-year.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li>Gross profit margin decreased to 37.5% from 39.4% in the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li><li>SG&amp;A expenses totaled $57.2 million, representing 20.0% of sales.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li><li>Provision for credit losses was $119.1 million, up from $99.5 million in the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li><li>Net income (loss) was - $22.5 million compared to $5.1 million in the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li></ul><h3>Cash Flow</h3><ul><li>Net cash used in operating activities was $3.1 million, compared to - $37.2 million in the prior year period.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li>Interest expense decreased by 13.1% year-over-year, reflecting improvements to the securitization platform and a favorable interest rate environment.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company expects actions taken during the quarter, including the term loan closing and store consolidations, to drive meaningful improvement in operating leverage and position the company for a return to positive GAAP earnings.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li><li>Management remains committed to deploying capital in ways that maximize long-term shareholder value, whether through organic growth, strategic acquisitions, or other strategic opportunities.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/799850/000117184325007749/exh_991.htm"></span></li></ul>

Americas Car Mart | 8-K: FY2026 Q2 Revenue Beats Estimate at USD 350.19 M