Financial insights of CRMT

MyFinsight

For the quarter ending 2025-10-31, CRMT made $350,192K in revenue. -$22,482K in net income. Net profit margin of -6.42%.

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

Income Statement	2025-10-31	2025-07-31	2025-01-31	2024-10-31
Total revenues	350,192	341,312	325,726	347,269
Cost of sales	179,016	175,080	169,374	173,215
Interest expense	-	-	-	18,042
Selling, general and administrative	57,222	51,408	46,460	47,407
Provision for credit losses	119,074	103,036	86,652	99,522
Interest expense	15,685	17,042	16,923	-
Depreciation and amortization	2,102	2,139	1,890	1,926
Loss on extinguishment of debt	-4,476	-	-	-
Loss on disposal of property and equipment	-100	-9	-37	-41
Total costs and expenses	377,675	348,714	321,336	340,153
Us-gaap_incomelossfromcontinuingoperationsbeforeincometaxesdomestic	-	-	-	7,116
(loss) income before taxes	-27,483	-7,402	4,390	-
(benefit) provision for income taxes	-5,011	-1,666	1,228	2,017
Net (loss) income	-22,472	-5,736	3,162	5,099
Less dividends on mandatorily redeemable preferred stock	10	10	10	10
Net loss attributable to common stockholders, basic	-22,482	-5,746	3,152	5,089

Basic (in dollars per share)	-2.71	-0.69	0.38	0.62
Basic (in shares)	8,283,116	8,274,054	8,256,681	8,147,971
Diluted (in dollars per share)	-2.71	-0.69	0.37	0.61
Diluted (in shares)	8,283,116	8,274,054	8,413,088	8,292,459