For the quarter ending 2026-01-31, CRMT has $1,626,793K in assets. $1,146,976K in debts. $117,910K in cash and cash equivalents.
| Balance Sheets | 2026-01-31 | 2025-10-31 | 2025-07-31 | 2025-04-30 |
|---|---|---|---|---|
| Cash and cash equivalents | 117,910 | 122,362 | 9,666 | 9,808 |
| Restricted cash | 119,067 | 128,609 | 111,761 | 114,729 |
| Accrued interest on finance receivables | 7,477 | 7,522 | 8,145 | 7,432 |
| Finance receivables, net of allowance for credit losses of 347,565 and 323,100 | 1,114,672 | 1,172,025 | 1,183,452 | 1,180,673 |
| Inventory | 101,178 | 104,751 | 112,451 | 112,229 |
| Income tax receivable, net | 4,179 | 7,704 | 805 | - |
| Prepaid expenses and other assets | 35,607 | 37,233 | 39,236 | 38,082 |
| Income tax receivable, net | - | - | - | 0 |
| Right-of-use asset | 54,780 | 61,501 | 63,560 | 63,825 |
| Goodwill | 22,774 | 23,685 | 23,695 | 22,802 |
| Property and equipment, net | 49,149 | 52,528 | 55,203 | 56,894 |
| Total assets | 1,626,793 | 1,717,920 | 1,607,974 | 1,606,474 |
| Accounts payable | 19,013 | 45,549 | 33,977 | 34,980 |
| Deferred revenue-Payment Protection Plan | 47,140 | 50,320 | 50,881 | 51,458 |
| Deferred revenue-Service Contract | 53,053 | 59,255 | 61,332 | 61,787 |
| Accrued liabilities | 38,563 | 36,750 | 46,607 | 35,949 |
| Notes payable, net | - | - | 610,750 | 572,010 |
| Income tax payable, net | 0 | 0 | 0 | 1,451 |
| Deferred income tax liabilities, net | 37,013 | 7,754 | 7,754 | 7,146 |
| Lease liability | 60,034 | 65,820 | 66,948 | 67,002 |
| Non-recourse notes payable, net | 628,324 | 635,034 | - | - |
| Senior secured note payable, net | 263,836 | 261,912 | - | - |
| Revolving line of credit, net | 0 | 0 | 164,394 | 204,769 |
| Total liabilities | 1,146,976 | 1,162,394 | 1,042,643 | 1,036,552 |
| Mandatorily redeemable preferred stock | 400 | 400 | 400 | 400 |
| Common stock, par value 0.01 per share, 50,000,000 shares authorized 15,654,558 and 15,605,818 issued at january31, 2026 and april30, 2025, respectively, of which 8,302,450 and 8,263,280 were outstanding at january31, 2026 and april30, 2025, respectively | 157 | 156 | 156 | 156 |
| Additional paid-in capital | 210,360 | 209,333 | 196,451 | 195,225 |
| Retained earnings | 567,320 | 644,033 | 666,515 | 672,261 |
| Less treasury stock, at cost, 7,352,108 and 7,342,538 shares at january31, 2026 and april30, 2025, respectively | 298,520 | 298,496 | 298,291 | 298,220 |
| Total stockholders' equity | 479,317 | 555,026 | 564,831 | 569,422 |
| Non-controlling interest | 100 | 100 | 100 | 100 |
| Total equity | 479,417 | 555,126 | 564,931 | 569,522 |
| Total liabilities, mezzanine equity and equity | 1,626,793 | 1,717,920 | 1,607,974 | 1,606,474 |
AMERICAS CARMART INC (CRMT)
AMERICAS CARMART INC (CRMT)