CRMT Earnings Prediction
The chart below shows how CRMT performed 10 days before and after its earnings report, based on data from the past quarters. Typically, CRMT sees a +3.96% change in stock price 10 days leading up to the earnings, and a +0.20% change 10 days following the report. On the earnings day itself, the stock moves by -6.08%. This data can give you a slight idea of what to expect for the next quarter's release.
CRMT Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
347.27M
-3.96%
-0.14%
Gross Margin
49.57%
11.09%
8.21%
Operating Margin
7.27%
239.54%
46.87%
Net Margin
1.47%
119.34%
-625.00%
EPS
0.61
114.19%
-506.67%
No Data Available
CRMT Earnings Analysis
America's Car Mart Inc Corporation (CRMT.O) Earnings Conference Call
Positive
Credit Facility Amendment: In September, we amended our revolving credit facility, raising approximately $74 million of net proceeds through the issuance of new shares.
Performance Below Expectations: Our performance over the past few quarters was below our expectations, which was an important factor in our decision to bolster our balance sheet.
ABS Transaction Success: We completed our fifth ABS transaction in October, generating over $1.5 billion in demand.
Loan Demand Improvement: We believe improved demand was for loans underwritten by LOS which represented approximately 70% of the receivables in this transaction.
Gross Margin Improvement Goals: We are pleased with the continuing progress in improving the gross margin percentage, and we'll continue to be focused on driving to the 37% to 38% that we've mentioned in prior quarters.
Negative
Revenue Decline Analysis: Total revenues decreased $12.5 million or 3.5%, largely due to a 9.1% decline in retail units sold.
Sales Volume Impact Factors: Sales volumes were impacted by a number of factors, including the affordability of vehicles for our consumers, although we did see sequential improvement.
S.G.&A Expense Increase: S.G.&A expense was up $2.5 million, an increase of 5.7%, primarily driven by a $2.1 million increase related to the two acquisitions completed since last year.
Interest Expense Increase: Interest expense increased by approximately $1.5 million or 8.8% due to the rise in rates and secondarily, an increase in debt.
Sales Volume Impact Factors: Sales volume was also impacted by some weather events and the closing of two dealership ships early in the quarter, accounting for about 15% of the sales miss to the prior year.
CRMT FAQs
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CRMT Earning Call Sentiment
America's Car-Mart, Inc. (CRMT) Q2 2025 Earnings Call Transcript
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00:00
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CRMT.O
2.3%Positive
The earnings call summary presents a mixed picture. Financial performance is weak, with a decline in revenues and retail units sold, but there are positive aspects like improved collections and credit management. The Q&A reveals cautious optimism and some uncertainties, particularly in credit reserves and M&A strategy. The equity raise and ABS transaction could stabilize finances, but the debt increase and unclear guidance on future credit reserves are concerns. Overall, the sentiment is neutral, reflecting both positive initiatives and ongoing challenges.
