Welcome to our dedicated page for Amer Carmart SEC filings (Ticker: CRMT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The America’s Car-Mart, Inc. (CRMT) SEC filings page on Stock Titan provides direct access to the company’s regulatory disclosures, along with AI-powered summaries to help interpret complex documents. As a Texas corporation listed on the NASDAQ Global Select Market, America’s Car-Mart files annual and quarterly reports, current reports on Form 8-K, proxy statements, and other materials that detail its integrated used car sales and finance business, capital structure, and governance.
In its Form 8-K filings, the company has reported material events such as the entry into a $300 million senior secured term loan facility, the termination of a prior asset-backed revolving line of credit, and the completion of securitization transactions through indirect subsidiaries like ACM Auto Trust 2025-3. These filings describe how finance receivables and related assets are used as collateral, outline key terms of credit agreements, and disclose the issuance of warrants and asset-backed notes. Other 8-Ks cover topics such as operating results for specific quarters, notices from Nasdaq regarding periodic filing compliance, and the subsequent confirmation that the company regained compliance after filing its Form 10-K.
Proxy materials, including the definitive proxy statement on Schedule DEF 14A, provide information on matters submitted to a vote of stockholders, such as the election of directors, advisory resolutions on executive compensation, and the ratification of the independent registered public accounting firm. Additional filings discuss internal control considerations and expanded disclosures related to loan modifications for borrowers experiencing financial difficulty, which are important for understanding the company’s finance receivables and credit risk.
On this page, users can review America’s Car-Mart’s 10-K and 10-Q reports, 8-K current reports, and proxy statements, while AI-generated highlights point out key terms, covenants, and risk factors. The platform also surfaces insider-related information where disclosed in forms such as proxy statements or other filings. Real-time updates from EDGAR ensure that new CRMT filings appear promptly, and AI summaries help explain how each document relates to the company’s integrated auto sales and finance model, its funding arrangements, and its obligations to lenders and stockholders.
America's Car-Mart Inc. received an amendment to a Schedule 13G/A filed by The Vanguard Group that discloses Vanguard now reports separate subsidiary holdings after an internal realignment. The filing states amount beneficially owned: 0 and percent of class: 0% in Common Stock.
The filing references an internal realignment effective January 12, 2026 under SEC Release No. 34-39538 and explains certain subsidiaries will report beneficial ownership separately. The filing is signed by Ashley Grim on 03/26/2026.
America’s Car-Mart registered 937,487 shares of Common Stock underlying warrants for resale by selling stockholders. The prospectus supplement, dated March 16, 2026, incorporates the Company’s Form 10-Q for the quarter ended January 31, 2026 and states the Company will receive no proceeds from resale.
The warrants were issued in connection with a $300.0 million senior secured term loan entered October 30, 2025 and granted to Silver Point and affiliates, have an exercise price of $22.63, and expire on October 30, 2031. The filing also discloses finance receivables, an allowance for credit losses of $347.6 million, and shares outstanding of 8,302,450 as of March 9, 2026.
America’s Car-Mart reported a sharp downturn for the nine months ended January 31, 2026, moving from prior-year profit to a net loss of $104.9 million, or $12.67 loss per share, on revenues of $978.7 million versus $1,020.8 million a year earlier.
The loss reflects higher credit costs, with the provision for credit losses rising to $327.3 million and the allowance increasing to $347.6 million, equal to 25.53% of the finance receivables principal after certain adjustments. Management also recorded a non-cash $47.0 million valuation allowance against deferred tax assets at subsidiary Colonial, driving a negative effective tax rate.
The company closed eighteen dealerships and booked $2.9 million of related fixed-asset impairments. It refinanced its capital structure, replacing a revolving credit facility with a $300.0 million senior secured term loan and issuing $300.0 million of asset-backed non-recourse notes in several securitizations. As of January 31, 2026, total debt was $892.2 million and shares outstanding were 8,302,450, with covenant restrictions currently preventing dividends or share repurchases without lender consent.
America’s Car-Mart reported a weak third quarter for fiscal 2026 as its capital structure transition and severe weather sharply reduced sales volumes. Retail units sold fell 22.1% to 10,275 and total revenue declined 12.0% to $286.8M, even as gross profit per unit improved 8.8% to $7,762.
The company swung to a net loss of $76.7M, or $9.25 per share, compared with a profit a year earlier, driven largely by a non-cash $47.0M valuation allowance against deferred tax assets and higher credit loss provisions and interest expense. Adjusted loss per share was $1.53.
Management continued its capital structure overhaul, closing a $300M term loan in October 2025 and completing a $161.3M asset-backed securitization in December. Debt to finance receivables rose to 60.8%, while total cash including restricted cash increased to $237.0M as of January 31, 2026.
America's Car-Mart, Inc. director Brandi N. Joplin reported an equity award. On 09/25/2025, Joplin received 2,919 shares of America's Car-Mart common stock as an award of restricted stock at a stated price of $0 per share. According to the filing, these restricted shares will vest in full on May 1, 2026, meaning ownership restrictions remain in place until that date. After this grant, Joplin beneficially owns 2,919 common shares, all held directly.
America’s Car-Mart, Inc. is registering up to 937,487 shares of common stock for resale by existing warrant holders. These shares, called Warrant Shares, are issuable upon exercise of warrants originally granted in connection with a $300 million senior secured term loan credit agreement with Silver Point and later partially assigned to Beach Point funds.
The warrants are immediately exercisable at an exercise price of $22.63 per share and expire on October 30, 2031. As of December 3, 2025, the company had 8,294,807 shares of common stock outstanding. Any sale of Warrant Shares will be made from time to time by the selling stockholders, and the company will not receive proceeds from these resales, though it will bear registration expenses.
America’s Car-Mart, Inc. has filed a Form S-1 to register up to 937,487 shares of common stock issuable upon exercise of outstanding warrants for resale by lending funds affiliated with Silver Point and Beach Point. These warrant shares are being registered on a delayed or continuous basis, while 8,294,807 shares of common stock were outstanding as of December 3, 2025. The company will not receive any proceeds from the resale of these shares, although the warrants are exercisable for cash or via cashless net share settlement at an exercise price of $22.63 per share and expire on October 30, 2031. The warrants were originally issued in connection with a $300 million senior secured term loan under a Credit and Guaranty Agreement, and the filing fulfills the company’s agreement to provide resale registration rights to the lending funds.
America's Car-Mart, Inc. Chief Financial Officer reported buying 197 shares of the company’s common stock on 12/11/2025 at a price of $25.2669 per share. After this transaction, the officer directly owns 6,444 shares of America’s Car-Mart common stock. The report covers a non-derivative equity purchase by a single reporting person.
America’s Car‑Mart (CRMT) entered a Credit and Guarantee Agreement for a $300 million senior secured term loan led by Silver Point, maturing on October 30, 2030. The facility is secured by finance receivables, inventory, and equity interests of certain subsidiaries, and is guaranteed by each credit party. Interest is 7.50% for Term Benchmark Loans or 6.50% for Base Rate Loans, with monthly or quarterly payments per the selected interest period.
The company used a portion of the proceeds to fully repay $162.9 million outstanding under its $350 million asset‑backed revolver and terminated that agreement, incurring $1.8 million in prepayment penalties. As a closing requirement, the company must terminate its Atlas loan and security agreement on or prior to November 14, 2025.
In connection with the financing, CRMT issued warrants for up to 937,487 shares at an exercise price of $22.63, exercisable in cash or on a cashless basis, expiring October 30, 2031, with customary registration rights. The agreement includes financial maintenance covenants, limits on additional borrowing and certain operating activities, and restrictions on dividends.