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Amer Carmart SEC Filings

CRMT NASDAQ

Welcome to our dedicated page for Amer Carmart SEC filings (Ticker: CRMT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.

Tracking America’s Car-Mart disclosures can feel like sorting through loan files and engine diagnostics at the same time. Each 10-K blends used-car retail metrics with sub-prime credit loss data, while frequent 8-Ks flag repossession trends and policy tweaks. If you have struggled to locate delinquency ratios, insider trades, or the latest accident-protection revenue breakout, you are not alone.

Stock Titan solves that problem. Our AI reads every America’s Car-Mart SEC filing the moment it hits EDGAR, then delivers plain-English summaries of what matters—whether it is a spike in allowance for credit losses inside the America’s Car-Mart quarterly earnings report 10-Q filing or a director’s share sale disclosed in America’s Car-Mart insider trading Form 4 transactions. AGÕæÈ˹ٷ½-time dashboards surface:

  • Form 4 insider transactions real-time alerts, including America’s Car-Mart executive stock transactions Form 4
  • AI highlights that make the America’s Car-Mart annual report 10-K simplified and searchable
  • Instant redlines when an America’s Car-Mart 8-K material events explained filing updates risk factors
  • Side-by-side proxy data for America’s Car-Mart proxy statement executive compensation

Need deeper insight? Ask interactive prompts like “understanding America’s Car-Mart SEC documents with AI� or “America’s Car-Mart earnings report filing analysis� and receive context on credit extensions, repossession rates, or warranty reserves in seconds. From investor relations professionals comparing quarter-over-quarter revenue to portfolio managers watching repayment performance, our platform turns complex documents into actionable clarity.

Stop scrolling through PDFs. Get America’s Car-Mart SEC filings explained simply—updated continuously, decoded instantly.

Rhea-AI Summary

Avantor (AVTR) Q2 2025 10-Q highlights: Net sales slipped 1.1% YoY to $1.68 bn, with the divestiture of Clinical Services shaving 2.8 pts; organic decline was a modest 0.2%. Laboratory Solutions fell 2.9% while Bioscience Production grew 2.6%. Gross margin compressed 120 bps to 32.9% on inflation, mix and the divestiture.

Earnings pressure intensified. Operating income dropped 27% to $128.8 m; net income fell 30% to $64.7 m, driving diluted EPS down to $0.09 (-36%). Adjusted EBITDA declined 8.5% to $279.8 m (margin 16.6%, -130 bps). Six-month operating cash flow contracted 38% to $263.7 m, pulling free cash flow below prior-year levels despite lower capex.

Balance-sheet moves: Cash rose to $449 m (up $188 m YTD) helped by lower capex and positive FX, but total debt climbed to $4.24 bn with current maturities up 53% to $1.25 bn, lifting near-term refinancing risk. Equity improved to $6.29 bn, aided by a $174 m OCI gain from currency and hedging.

Strategic actions: Management expanded its cost-transformation target to $400 m run-rate savings by 2027 and repriced USD term loans, cutting spreads by 25 bps. New U.S. tax legislation (H.R. 1) is expected to reduce future cash taxes, but impact is still under evaluation.

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AgEagle Aerial Systems (NYSE American: UAVS) filed a Form S-3 shelf to register 7.7 million common shares for resale by Alpha Capital Anstalt. The stock originates from previously issued Series F Preferred Stock and ten tranches of common-stock warrants priced between $0.8294 and $2.19. No new shares are being sold by the company.

Cash impact: AgEagle will receive no direct proceeds from the resale. It could raise up to $7.7 million only if all outstanding warrants are exercised for cash; management makes no prediction on timing or certainty.

Dilution/overhang: If every underlying security converts or is exercised, outstanding shares would rise 23.6% to roughly 40.3 million, significantly diluting current holders and expanding free-float. A 9.99% ownership blocker limits Alpha’s voting power at any time.

  • Common shares outstanding (7/25/25): 32,563,677
  • Registration covers: 7,700,000 shares
  • Last close (7/29/25): $2.37

Use of proceeds: Any warrant-exercise cash would fund general corporate purposes. Risk factors stress dilution, resale pressure and future capital needs.

The filing preserves financing flexibility but introduces potential share-supply headwinds until the overhang is absorbed.

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America's Car Mart Chief Accounting Officer Vickie D. Judy reported a disposition of shares on June 24, 2025. The insider executed a Form 4 filing disclosing the following transaction:

  • Disposed of 318 shares of Common Stock at $55.50 per share through a tax withholding transaction (Code F)
  • Following the transaction, the insider holds 32,217.9212 shares directly
  • This includes 2,562.9212 shares held under the company's Employee Stock Purchase Plan

The transaction appears to be a routine withholding of shares for tax purposes rather than an open market sale. The filing was signed by Courtney C. Crouch, III, via Power of Attorney on June 26, 2025.

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Jonathan M. Collins, Chief Financial Officer of America's Car Mart, reported a purchase of 102 shares of Common Stock on June 17, 2025, at a price of $49.30 per share. Following this transaction, Collins now directly owns 6,247 shares of the company.

Key transaction details:

  • Transaction Type: Open market purchase (Code P)
  • Total Transaction Value: $5,028.60
  • Ownership Type: Direct
  • Filing Date: June 28, 2025

This insider purchase by a key executive officer may signal confidence in the company's future prospects. The Form 4 was filed within the required reporting timeframe and was signed by Courtney C. Crouch, III, under power of attorney.

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FAQ

What is the current stock price of Amer Carmart (CRMT)?

The current stock price of Amer Carmart (CRMT) is $42.79 as of August 1, 2025.

What is the market cap of Amer Carmart (CRMT)?

The market cap of Amer Carmart (CRMT) is approximately 376.6M.

What is the core business of America's Car-Mart?

America's Car-Mart is an automotive retailer focused on the sale of older used vehicles along with integrated financing solutions. The company also offers ancillary products such as service contracts and accident protection plans.

How does the company generate its revenue?

The company generates revenue primarily from the sale of used vehicles, complemented by income from related service contracts, accident protection plans, and financing operations including interest income and late fees.

What types of financing solutions are provided by America's Car-Mart?

America's Car-Mart offers flexible financing arrangements tailored to the customer's needs. This includes direct auto loan financing that is integrated into the vehicle purchasing process, enhancing the overall consumer experience.

How does America's Car-Mart manage risk in its business operations?

Risk management is achieved by integrating vehicle sales with secured financing products, which includes robust credit monitoring and advanced loan origination systems. The company carefully evaluates credit losses and adjusts revenue recognition to align with customer usage.

What distinguishes America's Car-Mart from its competitors?

The company differentiates itself through its integrated business model that combines vehicle retailing with specialized auto financing and ancillary services. Its focus on flexible financing and personal customer service adds further value compared to many competitors.

In what market segment does America's Car-Mart operate?

America's Car-Mart operates within the used car market, with a specific focus on the Integrated Auto Sales and Finance segment. This niche allows the company to serve customers looking for affordable vehicles and accessible financing.

How has the company improved its operational processes?

The company has implemented technological upgrades and refined its loan origination practices to improve deal structures and credit monitoring. These enhancements help in aligning service contracts with actual usage and managing the risks associated with auto financing.

What ancillary products does America's Car-Mart offer?

In addition to used vehicle sales, America's Car-Mart offers service contracts and accident protection plans. These products are designed to further secure the transaction while adding value for customers through enhanced protection and maintenance options.
Amer Carmart

NASDAQ:CRMT

CRMT Rankings

CRMT Stock Data

376.56M
7.37M
10.59%
88.18%
13.77%
Auto & Truck Dealerships
Retail-auto Dealers & Gasoline Stations
United States
ROGERS