| Cash Flow | 2025-10-31 | 2025-07-31 |
|---|---|---|
| Net (loss) income | -28,208 | -5,736 |
| Provision for credit losses | 222,109 | 103,036 |
| Losses on claims for accident protection plan | 18,466 | 8,595 |
| Depreciation and amortization | 4,241 | 2,139 |
| Amortization of debt issuance costs | 3,199 | 1,269 |
| Loss on extinguishment of debt | -2,726 | - |
| Loss on disposal of property and equipment | 0 | 9 |
| Impairment of assets | 1,884 | - |
| Impairment of goodwill | - | 14 |
| Change in goodwill | -882 | - |
| Stock based compensation | 2,346 | 1,157 |
| Deferred income taxes | 608 | 608 |
| Finance receivable originations | 528,728 | 262,746 |
| Loan origination costs | 0 | - |
| Finance receivable collections | 236,576 | 118,720 |
| Accrued interest on finance receivables | 90 | 713 |
| Inventory | -68,537 | -28,618 |
| Prepaid expenses and other assets | -435 | 787 |
| Accounts payable and accrued liabilities | 12,748 | 3,205 |
| Deferred revenue-Accident Protection Plan | -1,139 | -578 |
| Deferred revenue-Service Contract | -2,532 | -455 |
| Income taxes, net | -9,155 | -2,255 |
| Net cash provided by (used in) operating activities | 3,141 | -5,918 |
| Purchase of investments | - | 0 |
| Acquisition | 0 | - |
| Purchases of property and equipment | 1,243 | 459 |
| Proceeds from sale of property and equipment | 117 | 20 |
| Net cash used in investing activities | -1,126 | -439 |
| Issuance of common stock | 120 | 69 |
| Purchase of common stock | 276 | 71 |
| Dividend payments | 20 | 10 |
| Change in cash overdrafts | -1,289 | 6,162 |
| Debt issuance costs | 16,010 | 1,708 |
| Issuances of notes payable | - | 216,000 |
| Issuances of non-recourse notes payable | 387,960 | - |
| Payments on notes payable | - | 177,499 |
| Payments on non-recourse notes payable | 325,219 | - |
| Proceeds on revolving line of credit | 314,593 | 158,571 |
| Principal payments to revolving credit facility | 521,690 | 198,267 |
| Loss on extinguishment of debt | 1,750 | - |
| Proceeds from senior secured note payable | 288,000 | - |
| Net cash provided by financing activities | 124,419 | 3,247 |
| Increase in cash, cash equivalents, and restricted cash | 126,434 | -3,110 |
| Cash and cash equivalents at beginning of period | 124,537 | - |
| Cash and cash equivalents at end of period | 250,971 | - |
AMERICAS CARMART INC (CRMT)
AMERICAS CARMART INC (CRMT)