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.<h3>Segment Revenue</h3><ul><li>Sales: $286.3 million for the three months ended October 31, 2025, compared to $285.8 million for the same period in 2024, representing a slight increase of 0.2%.</li><li>Interest Income: $63.9 million for the three months ended October 31, 2025, up from $61.5 million in 2024, marking a 3.9% increase.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: The company reported a net loss of -$22.5 million for the three months ended October 31, 2025, compared to a net income of $5.1 million for the same period in 2024.</li><li>Gross Margin: Gross margin as a percentage of sales was 37.5% for the three months ended October 31, 2025, compared to 39.4% for the same period in 2024.</li><li>Operating Profit: Operating loss before taxes was -$27.5 million for the three months ended October 31, 2025, compared to an operating income of $7.1 million for the same period in 2024.</li><li>Operating Margin: Operating margin was -9.6% for the three months ended October 31, 2025, compared to 2.5% for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: Net cash provided by operating activities was $3.1 million for the six months ended October 31, 2025, compared to net cash used in operating activities of -$37.2 million for the same period in 2024.</li><li>Free Cash Flow: Not explicitly stated, but the increase in cash, cash equivalents, and restricted cash was $126.4 million for the six months ended October 31, 2025.</li></ul><h3>Unique Metrics</h3><ul><li>Finance Receivables: Finance receivables, net, decreased slightly to $1,172.0 million as of October 31, 2025, from $1,180.7 million as of April 30, 2025.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company is focused on improving vehicle quality and balancing affordability for customers, which is expected to drive improved customer experience and contribute to better gross margins.</li><li>Non-Core Business: The company closed five dealership locations as part of its ongoing footprint optimization initiatives.</li><li>Priority: The company is prioritizing investments to improve its products and services and operate more efficiently over time, including enhancements to its loan origination system and payments platform.</li></ul>

Americas Car Mart | 10-Q: FY2026 Q2 Revenue Beats Estimate at USD 350.19 M