AMERICAS CARMART INCCRMTEarnings & Financial Report
Americas CarMart Inc is a US-based specialty automotive retailer that primarily sells used vehicles and provides tailored in-house financing solutions for customers with limited or poor credit histories. It operates a network of physical dealerships concentrated in the Southern and Midwestern regions of the United States, serving underserved consumer segments in the automotive purchase market.
CRMT Q2 FY2026 Key Financial Metrics
Revenue
$286.3M
Gross Profit
$107.3M
Operating Profit
$-27.5M
Net Profit
$-22.5M
Gross Margin
37.5%
Operating Margin
-9.6%
Net Margin
-7.8%
YoY Growth
0.2%
EPS
$-2.71
AMERICAS CARMART INC Q2 FY2026 Financial Summary
AMERICAS CARMART INC reported revenue of $286.3M (up 0.2% YoY) for Q2 FY2026, with a net profit of $-22.5M (down 540.7% YoY) (-7.8% margin). Cost of goods sold was $179.0M, operating expenses totaled $134.8M.
Key Financial Metrics
| Total Revenue | $286.3M |
|---|---|
| Net Profit | $-22.5M |
| Gross Margin | 37.5% |
| Operating Margin | -9.6% |
| Report Period | Q2 FY2026 |
Revenue Breakdown
AMERICAS CARMART INC Q2 FY2026 revenue of $286.3M breaks down across 4 segments, led by Sales Used Autos at $241.4M (84.3% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Sales Used Autos | $241.4M | 84.3% |
| Service Contract Sales | $23.6M | 8.2% |
| Wholesales Third Party | $12.6M | 4.4% |
| Payment Protection Plan Revenue | $8.7M | 3.0% |
AMERICAS CARMART INC Revenue by Segment — Quarterly Trend
AMERICAS CARMART INC revenue by segment across the last 4 reported quarters, showing how each business line (such as Sales Used Autos and Service Contract Sales) has evolved quarter over quarter.
| Segment | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 |
|---|---|---|---|---|
| Sales Used Autos | $241.4M | $235.0M | $269.8M | $228.5M |
| Service Contract Sales | $23.6M | $21.8M | $19.9M | $17.3M |
| Wholesales Third Party | $12.6M | $10.8M | $11.6M | — |
| Payment Protection Plan Revenue | $8.7M | $8.7M | $8.4M | $8.7M |
AMERICAS CARMART INC Annual Revenue by Year
AMERICAS CARMART INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.1B).
AMERICAS CARMART INC Quarterly Revenue & Net Profit History
AMERICAS CARMART INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q2 FY2026 | $286.3M | +0.2% | $-22.5M | -7.8% |
| Q1 FY2026 | $276.2M | -3.8% | $-5.7M | -2.1% |
| Q4 FY2025 | $309.7M | +0.0% | $10.6M | 3.4% |
| Q3 FY2025 | $263.5M | +9.6% | $3.2M | 1.2% |
| Q2 FY2025 | $285.8M | -4.9% | $5.1M | 1.8% |
| Q1 FY2025 | $287.2M | -7.4% | $-964.0K | -0.3% |
| Q4 FY2024 | $309.7M | -6.7% | $426.0K | 0.1% |
| Q3 FY2024 | $240.4M | -12.4% | $-8.5M | -3.6% |
Income Statement
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $240.4M | $309.7M | $287.2M | $285.8M | $263.5M | $309.7M | $276.2M | $286.3M |
| YoY Growth | -12.4% | -6.7% | -7.4% | -4.9% | 9.6% | 0.0% | -3.8% | 0.2% |
Balance Sheet
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.47B | $1.48B | $1.53B | $1.58B | $1.61B | $1.61B | $1.61B | $1.72B |
| Liabilities | $997.5M | $1.01B | $1.06B | $1.02B | $1.05B | $1.04B | $1.04B | $1.16B |
| Equity | $468.9M | $470.6M | $471.1M | $553.6M | $557.8M | $569.4M | $564.8M | $555.0M |
Cash Flow
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $13.0M | $-10.7M | $-15.0M | $-22.2M | $-30.8M | $19.2M | $-5.9M | $9.1M |