For the quarter ending 2026-01-31, CRMT had -$13,994K decrease in cash & cash equivalents over the period. -$6,197K in free cash flow.
| Cash Flow | 2026-01-31 | 2025-10-31 | 2025-07-31 | 2025-04-30 |
|---|---|---|---|---|
| Net (loss) income | -76,703 | -22,472 | -5,736 | 17,932 |
| Provision for credit losses | 105,208 | 119,073 | 103,036 | 374,559 |
| Excess tax benefit from share based compensation | - | - | - | 0 |
| Losses on claims for accident protection plan | 9,299 | 9,871 | 8,595 | 34,525 |
| Change in fair value of contingent consideration | - | - | - | 161 |
| Depreciation and amortization | 2,040 | 2,102 | 2,139 | 7,647 |
| Impairment of goodwill | - | - | 14 | 140 |
| Amortization of debt issuance costs | 3,074 | 1,930 | 1,269 | 6,200 |
| Loss on disposal of property and equipment | 0 | -9 | 9 | 2 |
| Impairment of assets | 2,750 | 1,884 | - | - |
| Change in goodwill | 910 | -882 | - | - |
| Stock based compensation | 969 | 1,189 | 1,157 | 4,708 |
| Deferred income taxes | 29,260 | 0 | 608 | -10,662 |
| Loss on extinguishment of debt | 0 | -2,726 | - | - |
| Finance receivable originations | 202,133 | 265,982 | 262,746 | 1,075,080 |
| Loan origination costs | 0 | 0 | - | 2 |
| Finance receivable collections | 115,178 | 117,856 | 118,720 | 469,379 |
| Accrued interest on finance receivables | -44 | -623 | 713 | 525 |
| Inventory | -33,260 | -39,919 | -28,618 | -114,573 |
| Prepaid expenses and other assets | -1,678 | -1,222 | 787 | 6,806 |
| Accounts payable and accrued liabilities | -24,897 | 9,543 | 3,205 | 17,616 |
| Deferred revenue-Accident Protection Plan | -3,180 | -561 | -578 | -378 |
| Deferred revenue-Service Contract | -6,202 | -2,077 | -455 | -7,158 |
| Income taxes, net | 3,526 | -6,900 | -2,255 | 4,409 |
| Net cash used in operating activities | -5,919 | 9,059 | -5,918 | -48,764 |
| Purchase of investments | - | - | 0 | 7,527 |
| Acquisition | 0 | 0 | - | - |
| Purchases of property and equipment | 278 | 784 | 459 | 3,890 |
| Proceeds from sale of property and equipment | 37 | 97 | 20 | 42 |
| Net cash used in investing activities | -241 | -687 | -439 | -11,375 |
| Issuance of common stock | 58 | 51 | 69 | 74,106 |
| Issuances of notes payable | - | - | 216,000 | 649,889 |
| Purchase of common stock | 23 | 205 | 71 | 434 |
| Payments on notes payable | - | - | 177,499 | 631,331 |
| Dividend payments | 10 | 10 | 10 | 40 |
| Change in cash overdrafts | 0 | -7,451 | 6,162 | 466 |
| Debt issuance costs | 2,054 | 14,302 | 1,708 | 9,006 |
| Issuances of non-recourse notes payable | 161,264 | 387,960 | - | - |
| Payments on non-recourse notes payable | 167,068 | 325,219 | - | - |
| Proceeds from revolving line of credit | 0 | 156,022 | 158,571 | 601,091 |
| Principal payments to revolving credit facility | 1 | 323,423 | 198,267 | 594,512 |
| Loss on extinguishment of debt | 0 | 1,750 | - | - |
| Exercise of stock options | - | - | - | 0 |
| Proceeds from senior secured note payable | 0 | 288,000 | - | - |
| Net cash provided by financing activities | -7,834 | 121,172 | 3,247 | 90,229 |
| Increase in cash, cash equivalents, and restricted cash | -13,994 | 129,544 | -3,110 | 30,090 |
| Cash, cash equivalents, and restricted cash beginning of period | 250,971 | 124,537 | - | - |
| Cash, cash equivalents, and restricted cash end of period | 236,977 | 250,971 | - | - |
AMERICAS CARMART INC (CRMT)
AMERICAS CARMART INC (CRMT)