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Americas Carmart (CRMT) earnings and revenue breakdown

Latest: Q1 FY27 · 10-Q filed Sep 9, 2026 · Americas Carmart (CRMT) Q1 FY27 earnings results →

Q1 FY27 Revenue down 57% year over year to $146M · 47¢ of every $1 of revenue lost · operating margin -47.2%

Americas Carmart made $146M in Q1 FY27 (-57% Y/Y). Operating margin -47.2%, net loss $69.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Sep 9, 2026.

Revenue$146M
Year over year-57%
Operating margin-47.2%
Net earnings−$69.0M
Operating cash flow$80.1M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $145.8M in Q1 FY27, down 57% year over year and down 52% from the previous quarter.

Operating costs exceeded revenue by $68.8M, an operating margin of -47.2%. Total costs fell 38% while revenue fell 57%. The quarter ended with a net loss of $69.0M, wider than the previous quarter's $34.2M loss.

Operating cash flow was $80.1M. Non-cash charges added back $1.8M of depreciation and amortization. Working capital and other items added $147.2M. Capital expenditures of $90K left free cash flow of $80.0M.

Quarterly history

Americas Carmart revenue by quarterAmericas Carmart revenue by quarter$326MQ3 FY25$370MQ4 FY25$341MQ1 FY26$350MQ2 FY26$287MQ3 FY26$303MQ4 FY26$146MQ1 FY27
Americas Carmart net earnings by quarterAmericas Carmart net earnings by quarter$3.2MQ3 FY25$10.6MQ4 FY25−$5.7MQ1 FY26−$22.5MQ2 FY26−$76.7MQ3 FY26−$34.2MQ4 FY26−$69.0MQ1 FY27
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q1 FY2710-QSep 9, 2026$146M-57%-47.2%−$69.0M$80.1M
Q4 FY2610-KJul 14, 2026$303M-18%-12.0%−$34.2M$67.7M
Q3 FY2610-QMar 12, 2026$287M-12%-12.8%−$76.7M−$5.9M
Q2 FY2610-QDec 9, 2025$350M+0.8%-7.8%−$22.5M$9.1M
Q1 FY2610-QSep 9, 2025$341M-2%-2.2%−$5.7M−$5.9M
Q4 FY2510-KAug 8, 2025$370M+2%3.4%$10.6M$19.2M
Q3 FY2510-QMar 10, 2025$326M+9%1.3%$3.2M−$30.8M

Charts

Americas Carmart: revenue growth, year over year and quarter over quarterAmericas Carmart: revenue growth, year over year and quarter over quarterY/YQ/Q+9%Q3 FY25+2%+14%Q4 FY25-2%-8%Q1 FY26+1%+3%Q2 FY26-12%-18%Q3 FY26-18%+6%Q4 FY26-57%-52%Q1 FY27
Latest (Q1 FY27): Y/Y -57%, Q/Q -52%.
Americas Carmart: where the cash came from (+) and went (−), TTM to Q1 FY27Americas Carmart: where the cash came from (+) and went (−), TTM to Q1 FY27Net borrowing (+) / repaid (−)−$167MOperating cash flow$151MCash drawn (+) / kept (−)$11.4MOther financing$5.4MCapital spending−$1.4MAsset & business sales$1.1MBuybacks−$251KShares issued$178K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Americas Carmart: profit against cash, quarter by quarterAmericas Carmart: profit against cash, quarter by quarterNet incomeOperating cash flow$5.1M−$22.2MQ2 FY25$3.2M−$30.8MQ3 FY25$10.6M$19.2MQ4 FY25−$5.7M−$5.9MQ1 FY26−$22.5M$9.1MQ2 FY26−$76.7M−$5.9MQ3 FY26−$34.2M$67.7MQ4 FY26−$69.0M$80.1MQ1 FY27
Latest (Q1 FY27): Net income −$69.0M, Operating cash flow $80.1M.
Americas Carmart: diluted shares by fiscal yearAmericas Carmart: diluted shares by fiscal year7MFY217MFY227MFY236MFY248MFY258MFY26
+19.1% since FY21: more shares outstanding (issuance, stock pay).
Americas Carmart in its industry: growth against margin (16 companies, SIC 5500)Americas Carmart in its industry: growth against margin (16 companies, SIC 5500)revenue growth, year over year →↑ operating marginmedian +8%median 4%LADPAGCVNAKMXANMUSACASYGPIABGSAHRUSHACWHCPRTOPLNNXXTCRMT (-57%, -47%)
Retail-Auto Dealers & Gasoline Stations; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Americas Carmart

America’s Car-Mart, Inc., a Texas corporation initially formed in 1981 (the “Company”), is one of the largest publicly held automotive retailers in the United States focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. References to the “Company” include the Company’s consolidated subsidiaries. The Company’s operations are principally conducted through its two operating subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (“Car-Mart of Arkansas”), and Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”). Collectively, Car-Mart of Arkansas and Colonial are referred to herein as “Car-Mart.” The Company primarily sells older model used vehicles and provides financing for substantially all of its customers.

In its own words, from its annual report, filed Aug 8, 2025.

Americas Carmart against its Retail-Auto Dealers & Gasoline Stations peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -57% against the peers' median +4%. Operating margin: -47.2% against the peers' median 3.8%.

CompanyQuarterRevenueY/YOp. margin
CRMT Americas CarmartQ1 FY27$146M-57%-47.2%
LAD Lithia MotorsQ3 2026$9.9B+3%4.2%
PAG Penske Automotive GroupQ3 2026$8.4B+4%3.6%
CVNA CarvanaQ3 2026$8.0B+42%8.9%
KMX CarMaxQ2 FY27$7.9B+20%2.8%
AN AutonationQ3 2026$7.0B-0.4%4.5%
MUSA Murphy USAQ3 2026$6.9B+35%3.8%
CASY Caseys General StoresQ1 FY27$5.7B+24%6.1%
GPI Group 1 AutomotiveQ3 2026$5.4B-7%3.7%

Source: Americas Carmart 10-Q on SEC EDGAR · CIK 799850 · Retail-Auto Dealers & Gasoline Stations

13F: who owns CRMT and who is buying

Largest holders of CRMT (13F)Largest holders of CRMT (13F)Vanguard Group$11.4MNantahala Capital Management, LLC$3.6MMagnolia Group, LLC$3.1MAmeriprise Financial$1.6MVanguard Capital Management LLC$876KAQR Capital Management LLC$801KBlackRock$708KCharles Schwab Investment Managem…$477KMassachusetts Institute of Techno…$467KBrooklyn Investment$378K
Funds' net buying of CRMT by quarter (13F)Funds' net buying of CRMT by quarter (13F)$35.0M2024-09$10.9M2024-12$9.0M2025-03−$3.0M2025-06−$3.0M2025-09−$15.9M2025-12$1.9M2026-03−$1.5M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on CRMT

History

Every quarter: Q1 FY27 results · Q4 FY26 results · Q3 FY26 results · Q2 FY26 results · Q1 FY26 results · Q4 FY25 results · Q3 FY25 results

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