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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
$7,109K
Free Cash flow
$63,149K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Issuances of non-recourse notes ...
Finance receivable collections
Provision for credit losses
Others
Negative Cash Flow Breakdown
Finance receivable originations
Payments on non-recourse notes p...
Payments on revolving line of cr...
Others
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Page 1
Annual
123
Page 1
Cash Flow
2026-04-30
2025-04-30
Net loss
-139,111
17,932
Provision for credit losses
419,230
374,559
Excess tax benefit from share based compensation
-
0
Losses on claims for accident protection plan
36,276
34,525
Depreciation and amortization
8,207
7,647
Impairment of goodwill
-
140
Amortization of debt issuance costs
9,424
6,200
(gain) loss on disposal of property and equipment
0
2
Impairment of assets
11,016
-
Change in goodwill
36
-
Change in fair value of contingent consideration
0
161
Stock based compensation
3,722
4,708
Deferred income taxes
27,061
-10,662
Loss on extinguishment of debt
-2,726
-
Finance receivable originations
952,451
1,075,080
Loan origination costs
-84
2
Finance receivable collections
477,730
469,379
Accrued interest on finance receivables
597
525
Inventory
-180,287
-114,573
Prepaid expenses and other assets
-5,953
6,806
Accounts payable and accrued liabilities
-2,828
17,616
Deferred revenue-Accident Protection Plan
-6,518
-378
Deferred revenue-Service Contract
-10,313
-7,158
Income taxes, net
-4,975
4,409
Net cash provided by (used in) operating activities
64,959
-48,764
Acquisition
0
-
Purchase of property and equipment
1,810
3,890
Purchase of investments
-
7,527
Proceeds from sale of property and equipment
289
42
Net cash provided by (used in) investing activities
-1,521
-11,375
Exercise of stock options
0
0
Issuance of common stock
218
74,106
Purchase of common stock
297
434
Dividend payments on subsidiary preferred stock
40
-
Dividend payments
-
40
Change in cash overdrafts
-1,289
466
Debt issuance costs
20,252
9,006
Issuances of non-recourse notes payable
549,224
-
Issuances of notes payable
-
649,889
Payments on non-recourse notes payable
663,045
631,331
Proceeds from revolving line of credit
314,593
601,091
Payments on revolving line of credit
521,691
594,512
Loss on extinguishment of debt
1,750
-
Proceeds from senior secured notes payable
288,000
-
Net cash provided by (used in) financing activities
-56,329
90,229
Increase in cash, cash equivalents, and restricted cash
7,109
30,090
Cash, cash equivalents, and restricted cash beginning of period
124,537
-
Cash, cash equivalents, and restricted cash end of period
131,646
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS).
Page 1
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Time Plot
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Cash Flow
Finance receivable
collections
$477,730K
(1.78%↑ Y/Y)
Provision for credit
losses
$419,230K
(11.93%↑ Y/Y)
Inventory
-$180,287K
(-57.36%↓ Y/Y)
Losses on claims for
accident protection plan
$36,276K
(5.07%↑ Y/Y)
Deferred income taxes
$27,061K
(353.81%↑ Y/Y)
Impairment of assets
$11,016K
Amortization of debt issuance
costs
$9,424K
(52.00%↑ Y/Y)
Depreciation and
amortization
$8,207K
(7.32%↑ Y/Y)
Prepaid expenses and
other assets
-$5,953K
(-187.47%↓ Y/Y)
Stock based
compensation
$3,722K
(-20.94%↓ Y/Y)
Loss on
extinguishment of debt
-$2,726K
Loan origination
costs
-$84K
(-4300.00%↓ Y/Y)
Change in goodwill
$36K
Net cash provided by
(used in) operating...
$64,959K
(233.21%↑ Y/Y)
Canceled cashflow
$1,116,793K
Increase in cash, cash
equivalents, and restricted...
$7,109K
(-76.37%↓ Y/Y)
Canceled cashflow
$57,850K
Finance receivable
originations
$952,451K
(-11.41%↓ Y/Y)
Net loss
-$139,111K
(-875.77%↓ Y/Y)
Deferred
revenue-Service Contract
-$10,313K
(-44.08%↓ Y/Y)
Deferred
revenue-Accident Protection Plan
-$6,518K
(-1624.34%↓ Y/Y)
Income taxes, net
-$4,975K
(-212.84%↓ Y/Y)
Accounts payable and
accrued liabilities
-$2,828K
(-116.05%↓ Y/Y)
Accrued interest on
finance receivables
$597K
(13.71%↑ Y/Y)
Issuances of non-recourse
notes payable
$549,224K
Proceeds from revolving
line of credit
$314,593K
(-47.66%↓ Y/Y)
Proceeds from senior
secured notes payable
$288,000K
Issuance of common stock
$218K
(-99.71%↓ Y/Y)
Proceeds from sale of
property and equipment
$289K
(588.10%↑ Y/Y)
Net cash provided by
(used in) financing...
-$56,329K
(-162.43%↓ Y/Y)
Net cash provided by
(used in) investing...
-$1,521K
(86.63%↑ Y/Y)
Canceled cashflow
$1,152,035K
Canceled cashflow
$289K
Payments on non-recourse
notes payable
$663,045K
(5.02%↑ Y/Y)
Purchase of property and
equipment
$1,810K
(-53.47%↓ Y/Y)
Payments on revolving
line of credit
$521,691K
(-12.25%↓ Y/Y)
Debt issuance costs
$20,252K
(124.87%↑ Y/Y)
Loss on
extinguishment of debt
$1,750K
Change in cash
overdrafts
-$1,289K
(-376.61%↓ Y/Y)
Purchase of common stock
$297K
(-31.57%↓ Y/Y)
Dividend payments on
subsidiary preferred stock
$40K
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AMERICAS CARMART INC (CRMT)
AMERICAS CARMART INC (CRMT)