crmt: the cashflow

MyFinsight

For the quarter ending 2025-07-31, CRMT had -$3,110K decrease in cash & cash equivalents over the period.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-07-31
Provision for credit losses	103,036
Net loss	-5,736
Losses on claims for accident protection plan	8,595
Depreciation and amortization	2,139
Amortization of debt issuance costs	1,269
Gain on disposal of property and equipment	9
Impairment of goodwill	14
Stock based compensation	1,157
Deferred income taxes	608
Finance receivable originations	262,746
Finance receivable collections	118,720
Accrued interest on finance receivables	713
Inventory	-28,618
Prepaid expenses and other assets	787
Accounts payable and accrued liabilities	3,205
Deferred revenue-Accident Protection Plan	-578
Deferred revenue-Service Contract	-455
Income taxes, net	-2,255
Net cash used in operating activities	-5,918
Purchase of investments	0
Purchase of property and equipment	459
Proceeds from sale of property and equipment	20
Net cash used in investing activities	-439
Issuance of common stock	69
Purchase of common stock	71
Dividend payments	10
Change in cash overdrafts	6,162
Debt issuance costs	1,708
Issuances of notes payable	216,000
Payments on notes payable	177,499
Proceeds from revolving line of credit	158,571
Payments on revolving line of credit	198,267
Net cash provided by financing activities	3,247
(decrease) increase in cash, cash equivalents, and restricted cash	-3,110

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

crmt: the cashflow