For the quarter ending 2025-10-31, CRMT has $1,717,920K in assets. $1,162,394K in debts. $122,362K in cash and cash equivalents.
| Balance Sheets | 2025-10-31 | 2025-07-31 | 2025-04-30 | |
|---|---|---|---|---|
| Cash and cash equivalents | 122,362 | 9,666 | 9,808 | |
| Restricted cash | 128,609 | 111,761 | 114,729 | |
| Accrued interest on finance receivables | 7,522 | 8,145 | 7,432 | |
| Finance receivables, net of allowance for credit losses of 338,827 and 323,100 | 1,172,025 | 1,183,452 | 1,180,673 | |
| Inventory | 104,751 | 112,451 | 112,229 | |
| Income tax receivable, net | 7,704 | 805 | - | |
| Prepaid expenses and other assets | 37,233 | 39,236 | 38,082 | |
| Income tax receivable, net | - | - | 0 | |
| Right-of-use asset | 61,501 | 63,560 | 63,825 | |
| Goodwill | 23,685 | 23,695 | 22,802 | |
| Property and equipment, net | 52,528 | 55,203 | 56,894 | |
| Total assets | 1,717,920 | 1,607,974 | 1,606,474 | |
| Accounts payable | 45,549 | 33,977 | 34,980 | |
| Deferred revenue-Payment Protection Plan | 50,320 | 50,881 | 51,458 | |
| Deferred revenue-Service Contract | 59,255 | 61,332 | 61,787 | |
| Accrued liabilities | 36,750 | 46,607 | 35,949 | |
| Notes payable, net | - | 610,750 | 572,010 | |
| Income tax payable, net | 0 | 0 | 1,451 | |
| Deferred income tax liabilities, net | 7,754 | 7,754 | 7,146 | |
| Lease liability | 65,820 | 66,948 | 67,002 | |
| Non-recourse notes payable, net | 635,034 | - | - | |
| Senior secured note payable, net | 261,912 | - | - | |
| Revolving line of credit, net | 0 | 164,394 | 204,769 | |
| Total liabilities | 1,162,394 | 1,042,643 | 1,036,552 | |
| Mandatorily redeemable preferred stock | 400 | 400 | 400 | |
| Common stock, par value 0.01 per share, 50,000,000 shares authorized 15,645,710 and 15,605,818 issued at october31, 2025 and april30, 2025, respectively, of which 8,294,520 and 8,263,280 were outstanding at october31, 2025 and april30, 2025, respectively | 156 | 156 | 156 | |
| Additional paid-in capital | 209,333 | 196,451 | 195,225 | |
| Retained earnings | 644,033 | 666,515 | 672,261 | |
| Less treasury stock, at cost, 7,351,190 and 7,342,538 shares at october31, 2025 and april30, 2025, respectively | 298,496 | 298,291 | 298,220 | |
| Total stockholders' equity | 555,026 | 564,831 | 569,422 | |
| Non-controlling interest | 100 | 100 | 100 | |
| Total equity | 555,126 | 564,931 | 569,522 | |
| Total liabilities, mezzanine equity and equity | 1,717,920 | 1,607,974 | 1,606,474 | |
AMERICAS CARMART INC (CRMT)
AMERICAS CARMART INC (CRMT)