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.
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.
America’s Car-Mart (CRMT) reported an initial Statement of Beneficial Ownership on Form 3 for a director with a date of event of 09/25/2025. The filing states that no securities are beneficially owned.
The form was filed by one reporting person and includes Exhibit 24.1 (Power of Attorney). It was signed by Courtney C. Crouch, III pursuant to a Power of Attorney.
America’s Car‑Mart (CRMT) reported an insider transaction by its Chief Operating Officer. On 10/18/2025, the officer had 2,510 shares of common stock withheld at $24.87 per share under transaction code F, which denotes shares withheld to cover taxes upon vesting of restricted stock. Following this administrative withholding, the officer beneficially owns 12,606 shares, held directly.
America’s Car-Mart, Inc. reported the results of its 2025 annual stockholder meeting held on September 25, 2025. The record date was July 31, 2025, when 8,545,223 shares of common stock were outstanding and entitled to vote.
Stockholders elected all nine director nominees, including Ann G. Bordelon, Jonathan Z. Buba, Douglas W. Campbell, Julia K. Davis, Daniel J. Englander, Brandi N. Joplin, Dawn C. Morris, Joshua G. Welch, and Jeffrey A. Williams, each receiving over six million votes in favor, with relatively few votes against or abstentions.
Investors also approved the advisory resolution on executive compensation, with 5,948,778 votes for, 45,365 votes against, and 359,302 abstentions. In addition, stockholders ratified the selection of Grant Thornton LLP as independent registered public accounting firm for the fiscal year ending April 30, 2026, with 7,450,867 votes for, 11,599 against, and 91,293 abstentions.
AMERICAS CARMART INC (CRMT) Form 4: The company's Chief Operating Officer, Jamie Fischer, was awarded 6,211 shares of restricted common stock and options to purchase 12,005 shares on September 17, 2025. The restricted shares vest in three equal annual installments beginning September 17, 2026. The stock options have an exercise price of $32.20, vest in five equal annual installments beginning September 17, 2026, and expire on September 17, 2035. Following the grants, Fischer beneficially owns 15,116 common shares and 12,005 options, all reported as direct ownership.
AMERICAS CARMART INC (CRMT) Form 4: The company's Chief Operating Officer, Jamie Fischer, was awarded 6,211 shares of restricted common stock and options to purchase 12,005 shares on September 17, 2025. The restricted shares vest in three equal annual installments beginning September 17, 2026. The stock options have an exercise price of $32.20, vest in five equal annual installments beginning September 17, 2026, and expire on September 17, 2035. Following the grants, Fischer beneficially owns 15,116 common shares and 12,005 options, all reported as direct ownership.
America's Car-Mart, Inc. reported interim results for the quarter ended July 31, 2025, continuing its integrated used-vehicle sales and in-house financing model across 154 dealerships. The company held approximately $9.7 million of cash and had about $20.8 million of additional capacity under a $350.0 million revolving credit facility.
Finance receivables principal totaled about $1.5 billion with an allowance for credit losses of $326.1 million (23.35%). Earned finance charges were $8.1 million versus $7.4 million at fiscal year-end. Accounts 30+ days past due were 3.8% (up from 3.4%). The company completed a $216.0 million securitization on May 29, 2025 (collateral $363.0 million, weighted coupon 6.27%) and completed another securitization on August 28, 2025 (collateral $291.5 million, weighted coupon 5.46%).
America's Car-Mart Inc. furnished an update on its recent performance by issuing a press release with operating results for the first quarter ended July 31, 2025. The company reported these quarterly results through a press release dated September 4, 2025, which is attached as Exhibit 99.1 to this report and incorporated by reference.
The information about these first-quarter results is being furnished under the securities laws rather than formally filed, which limits certain legal liabilities and means it is not automatically incorporated into other securities offerings. The filing also confirms that America's Car-Mart's common stock trades on the NASDAQ Global Select Market under the symbol CRMT.