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CarMax (KMX) reported interim results showing mixed operating strength and credit pressure. Operating cash flow improved to $1.09 billion for the first six months of fiscal 2026 versus $501.4 million a year ago, while inventory declined to $3.15 billion as the company right-sized stock. CarMax Auto Finance (CAF) services ~1.1 million accounts in a $17.69 billion loan portfolio. Credit deterioration drove a higher provision for loan losses of $142.2 million in Q2 and $243.9 million year-to-date, raising the allowance to 3.02% of loans. Liquidity appears supported by available revolver capacity, a $700 million term loan at 5.36% and a $2.0 billion repurchase authorization (about $1.56 billion remaining). A subsequent non-prime securitization sold ~$930 million of loans with an expected gain of $25–30 million.
CarMax, Inc. filed a current report to note that it has released its second quarter fiscal year 2026 results. The company states that it issued a press release on September 25, 2025 announcing these results.
The press release, titled “CarMax Reports Second Quarter Fiscal Year 2026 Results,” is furnished as Exhibit 99.1 and is incorporated by reference into the section covering results of operations and financial condition. No detailed financial figures are included in this report itself; instead, readers are directed to the accompanying press release for the full results.