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

Revenue: As of FY2026 Q2, the actual value is USD 350.19 M, beating the estimate of USD 331.02 M.

EPS: As of FY2026 Q2, the actual value is USD -2.71, missing the estimate of USD -0.575.

EBIT: As of FY2026 Q2, the actual value is USD -55.52 M.

Segment Revenue

• Total revenue for the second quarter of fiscal year 2026 was $350.2 million, an increase of 0.8% year-over-year.

Operational Metrics

• Gross profit margin decreased to 37.5% from 39.4% in the prior year quarter.
• SG&A expenses totaled $57.2 million, representing 20.0% of sales.
• Provision for credit losses was $119.1 million, up from $99.5 million in the prior year quarter.
• Net income (loss) was - $22.5 million compared to $5.1 million in the prior year quarter.

Cash Flow

• Net cash used in operating activities was $3.1 million, compared to - $37.2 million in the prior year period.

Unique Metrics

• Interest expense decreased by 13.1% year-over-year, reflecting improvements to the securitization platform and a favorable interest rate environment.

Outlook / Guidance

• 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.
• Management remains committed to deploying capital in ways that maximize long-term shareholder value, whether through organic growth, strategic acquisitions, or other strategic opportunities.