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.
America’s Car-Mart, Inc. filings document the regulatory record of a Nasdaq-listed used-car retailer and finance company. Disclosures cover operating results for its integrated auto sales and finance business, including vehicle sales, finance receivables, interest income, collections, credit performance, loss reserves and liquidity.
The company’s SEC filings also describe capital-structure matters, including senior secured credit facilities, guarantees, collateral arrangements and asset-backed securitizations backed by customer installment sale contracts. Proxy and shareholder-meeting filings cover director elections, executive compensation, governance votes and common stock matters, while registration statements address securities registered for delayed or continuous offerings.
Americas CarMart major holder restructures its position through an in-kind distribution. Magnolia Capital Fund, LP distributed 132,815 shares of Americas CarMart common stock to withdrawing limited partners on April 20, 2026, in satisfaction of withdrawal requests, at a reported price of $0.00 per share.
After this distribution, Magnolia Capital Fund reports holding 1,127,875 shares of common stock. The Magnolia Group, LLC, as general partner and investment manager of the fund, and Adam K. Peterson, as managing member of The Magnolia Group, may be deemed to share indirect beneficial ownership of these shares but each disclaims beneficial ownership beyond their pecuniary interests.
America's Car-Mart, Inc. ownership disclosure: Prescott Group Capital Management, L.L.C., related Prescott Small Cap funds and Phil Frohlich report beneficial ownership of 599,949 shares of common stock, representing approximately 7.2% of outstanding shares as of the reporting date.
The filing states the position first exceeded 5% on March 13, 2026 at 443,078 shares and was increased to 599,949 shares. The ownership is held through the Master Fund structure and voting/dispositive power is exercised by Prescott entities and Mr. Frohlich as described.
America’s Car-Mart, Inc. updates its prospectus supplement to cover resale of 937,487 shares of Common Stock issuable upon exercise of warrants. Separately, the company approved closure of 42 dealerships (to 94 remaining locations) and expects a non-cash impairment charge of approximately $14 million, with closures to be completed by April 14, 2026. Management cited delays in securing a non-recourse revolving warehouse credit facility despite completing a $300 million senior secured term loan and a ninth securitization; the company reported a finance receivables portfolio of approximately $1.5 billion. The selling stockholders will determine resale timing and prices; the company will receive no proceeds from those resales.
America’s Car-Mart, Inc. is closing 42 of its 136 dealership locations and reducing related support staff, and expects to record a non-cash impairment charge of approximately $14 million in the fourth quarter of fiscal 2026. Management links these actions to difficulty securing a non-recourse revolving warehouse credit facility, creating a near-term liquidity constraint despite an approximately $1.5 billion finance receivables portfolio that it believes exceeds total recourse obligations.
After the closures, the company will operate 94 dealerships across 12 states; the affected stores represent about 31% of the store base but only 18% of customers. Car-Mart plans to preserve liquidity by carrying less inventory, tightening underwriting, and prioritizing servicing and collections infrastructure, supported by technology platforms such as its Collections CRM and Pay Your Way digital payment system.
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.