America’s Car-Mart Q4 earnings beat drives shares 7% higher

Published 12/06/2025, 13:00
America’s Car-Mart Q4 earnings beat drives shares 7% higher

ROGERS, Ark. - America’s Car-Mart Inc. (NASDAQ:CRMT) reported better-than-expected fourth quarter results on Thursday.

The company’s shares were up 7.08% in pre-market trading following the release.

The used car retailer posted earnings per share of $1.26 for the quarter ended April 30, 2025, surpassing analyst estimates of $0.99. Revenue came in at $370.2 million, topping expectations of $360.02 million and representing a 1.5% increase YoY.

"Fiscal year 2025 marked a pivotal period of transformation for our business as we successfully laid much of the groundwork for growth," said President and CEO Doug Campbell.

Total (EPA:TTEF) retail units sold rose 2.6% to 15,649 vehicles in Q4. The average retail sales price decreased $316 YoY to $17,240, reflecting efforts to increase affordability. Gross profit margin improved 90 basis points to 36.4%.

Net charge-offs as a percentage of average finance receivables improved to 6.9% from 7.3% a year ago. The company cited improvements in both the frequency and severity of losses.

For the full fiscal year 2025, America’s Car-Mart reported revenue of $1.4 billion, down 0.2% YoY. Diluted EPS was $2.33 compared to a loss of $4.92 per share in fiscal 2024.

The company ended the quarter with 154 dealerships, unchanged from the prior year. Active customer count increased 2.4% to 104,682.

Management noted continued efforts to optimize vehicle pricing, procurement and disposal strategies. The company is also exploring options to diversify and expand its financing sources.

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