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Apr 30, 2025
Car-Mart Q4 2025 Earnings Report
Car-Mart reported a return to profitability in Q4, driven by higher gross margins and improved credit loss performance.
Key Takeaways
America’s Car-Mart delivered solid Q4 results with $370.2M in revenue and a notable jump in net income to $10.6M. Enhanced underwriting and disciplined cost control helped restore profitability.
Forward Guidance
Management emphasized long-term profitable growth with continued focus on credit underwriting and margin optimization.
Positive Outlook
- Improved credit quality and reduced net charge-offs
- Margin expansion from pricing and procurement discipline
- Loan origination system ramping up with 65.7% of portfolio
- Successful $216M securitization improving funding cost
- Stable customer base with 2.4% growth in active accounts
Challenges Ahead
- Delinquencies slightly increased to 3.4%
- SG&A per customer increased due to tech and talent investment
- Same store revenue down 3.9%
- Retail units sold only grew 2.6%
- Operating leverage still pressured by recent acquisitions
Historical Earnings Impact
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Avg. Return Before/After Earnings
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