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Americas Carmart cash flow, quarter by quarter

Latest: Q1 FY27 · from the cash-flow statements filed with the SEC

Free cash flow$80.0M in Q1 FY27 · $150M over twelve months

Operating cash flow$80.1M
Capital spending−$90K
Free cash flow+$80.0M

Analysis

In Q1 FY27, Americas Carmart generated $80.1M of operating cash flow and spent $90K on capital projects, leaving free cash flow of $80.0M. That is $86.4M more than in Q1 FY26 (−$6.4M).

Over the twelve months to Jul 31, 2026, operating cash flow was $151M; the largest uses were net borrowing (+) / repaid (−) ($167M), capital spending ($1.4M), buybacks ($251K); besides operations, cash came from other financing ($5.4M), asset & business sales ($1.1M); the cash balance fell by $11.4M.

Operating cash flow was $80.1M against net income of −$69.0M. The largest differences: inventory +$41.5M, payables −$12.2M, prepaid and other assets −$4.0M.

Free cash flow

Americas Carmart: free cash flow by quarterAmericas Carmart: free cash flow by quarter−$23.6MQ2 FY25−$31.5MQ3 FY25$18.4MQ4 FY25−$6.4MQ1 FY26$8.3MQ2 FY26−$6.2MQ3 FY26$67.4MQ4 FY26$80.0MQ1 FY27
Operating cash flow less capital spending.
Americas Carmart: operating cash flow against capital spendingAmericas Carmart: operating cash flow against capital spendingOperating cash flowCapital spending−$22.2M$1.4MQ2 FY25−$30.8M$751KQ3 FY25$19.2M$801KQ4 FY25−$5.9M$459KQ1 FY26$9.1M$784KQ2 FY26−$5.9M$278KQ3 FY26$67.7M$289KQ4 FY26$80.1M$90KQ1 FY27
Latest (Q1 FY27): Operating cash flow $80.1M, Capital spending $90K.

Capital allocation, year by year

Americas Carmart: where the cash came from (up) and went (down), by fiscal yearAmericas Carmart: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY22: Operating cash flow −$119MFY22: Net borrowing $220MFY22: Shares issued $884KFY22: Asset sales $20KFY22: Capital spending −$15.8MFY22: Buybacks −$34.7MFY22: Dividends −$40K$221MFY22FY23: Operating cash flow −$136MFY23: Net borrowing $195MFY23: Shares issued $1.5MFY23: Asset sales $84KFY23: Capital spending −$22.1MFY23: Buybacks −$5.2MFY23: Dividends −$40K$196MFY23FY24: Operating cash flow −$73.9MFY24: Net borrowing $117MFY24: Shares issued $282KFY24: Asset sales $316KFY24: Capital spending −$6.1MFY24: Acquisitions −$4.8MFY24: Buybacks −$365KFY24: Dividends −$40K$117MFY24FY25: Operating cash flow −$48.8MFY25: Net borrowing $25.1MFY25: Shares issued $74.1MFY25: Asset sales $42KFY25: Capital spending −$3.9MFY25: Acquisitions −$7.5MFY25: Buybacks −$434KFY25: Dividends −$40K$99.3MFY25FY26: Operating cash flow $65.0MFY26: Net borrowing −$870MFY26: Shares issued $218KFY26: Asset sales $289KFY26: Capital spending −$1.8MFY26: Buybacks −$297K$65.5MFY26
Over these 5 years operating cash flow totalled −$313M; the largest uses were net borrowing ($870M) and operating cash flow ($378M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$27.5M
Debt$624M
Net debt$596M

Americas Carmart funds itself: free cash flow was $150M over the last twelve months, and $27.5M of cash and investments stands against $624M of debt.

Where the cash came from and went

Americas Carmart: sources (+) and uses (−) of cash, Q1 FY27Americas Carmart: sources (+) and uses (−) of cash, Q1 FY27Net borrowing (+) / repaid (−)−$102MOperating cash flow$80.1MCash drawn (+) / kept (−)$21.7MAsset & business sales$881KOther financing−$662KCapital spending−$90KShares issued$29KBuybacks−$25KDividends−$10K
Americas Carmart: sources (+) and uses (−) of cash, TTM to Q1 FY27Americas Carmart: sources (+) and uses (−) of cash, 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 profit to cash

Americas Carmart: net income to operating cash flow, Q1 FY27Americas Carmart: net income to operating cash flow, Q1 FY27Net income−$69.0MDepreciation & amortization$1.8MStock-based pay−$190KGains on disposals$178KInventory$41.5MPayables−$12.2MPrepaid and other assets−$4.0MIncome taxes payable−$76KOperating cash flow$80.1M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q1 FY27$80.1M−$90K−$25K−$10K−$102M$29K$21.7M$80.0M
Q4 FY26$67.7M−$289K$2K——$40K$105M$67.4M
Q3 FY26−$5.9M−$278K−$23K−$10K−$167M$58K$14.0M−$6.2M
Q2 FY26$9.1M−$784K−$205K−$10K−$167M$51K−$130M$8.3M
Q1 FY26−$5.9M−$459K−$71K−$10K−$1.2M$69K$3.1M−$6.4M
Q4 FY25$19.2M−$801K−$2K−$10K−$18.7M$65K$1.8M$18.4M
Q3 FY25−$30.8M−$751K−$20K−$10K$32.7M$72K$3.3M−$31.5M
Q2 FY25−$22.2M−$1.4M−$388K−$10K−$16.9M$73.9M−$31.1M−$23.6M

Americas Carmart: income statement and cash flow

Americas Carmart, Q1 FY27: revenue $146M (-57% year over year), operating margin -47.2%. The chart follows the revenue to costs, profit and cash.

Americas Carmart: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.