Core Insights - True value in investments is derived from growth rather than short-term gains, emphasizing the importance of a long-term perspective [1] - Great businesses provide significant societal value and demonstrate durability, which is a key factor in their valuation [1] - Companies that offer products and services significantly superior to competitors are positioned for substantial growth [1] Group 1: Business Characteristics - Selection, convenience, and value are critical attributes sought in businesses [1] - Durability acts as a multiplier for value, with a preference for non-cyclical businesses [1] - The ability to innovate and maintain competitive advantages is essential for long-term success [1] Group 2: Revenue and Structure - Multiple revenue streams and anti-fragile business structures are preferred for resilience [1] - A business's ability to recover from adversity is a strong indicator of its durability [1] - Uniqueness is identified as the primary driver of value [1] Group 3: Management and Culture - Trust and network effects are vital for assessing a company's durability [1] - Management alignment with business interests and a focus on continuous learning are crucial for success [1] - Companies that empower employees and attract talent are more likely to thrive [1] Group 4: Investment Strategy - The best investment opportunities arise when negative news is already priced in, revealing true value [1] - Companies that can buy back shares during downturns are seen as having durable business models [1] - Price movements are influenced by expectations, with a focus on undervalued companies amidst negative sentiment [1]

Fiscal 2025 was good for America's Car-Mart stock -- and fiscal 2026 could be even better.America's Car-Mart (CRMT -12.38%) stock tumbled 11.3% through 12:40 p.m. ET Thursday afternoon despite reporting positive fiscal Q4 profits of $1.26 per share on $370.2 million in quarterly sales.Analysts had only expected the used car service to earn $0.86 per share for the quarter, so you'd think this would be taken as good news -- but investors seem to disagree. America's Car-Mart Q4 earningsWhy is that? Well, quar ...

America’s Car-Mart (CRMT) Q4 2025 Earnings Call June 12, 2025 09:00 AM ET Company Participants Vickie Judy - Chief Accounting OfficerDouglas Campbell - CEO & PresidentJonathan Collins - CFOJamie Fischer - COOKyle Joseph - Managing DirectorJohn Murphy - Managing Director Conference Call Participants Vincent Caintic - MD & Finance Analyst Vickie Judy I'm Vicky Judy, the company's chief accounting officer. Welcome to America's Car Mart's Fourth Quarter Fiscal Year twenty twenty five Earnings Call for the perio ...

America’s Car-Mart (CRMT) Q4 2025 Earnings Call June 12, 2025 09:00 AM ET Speaker0 I'm Vicky Judy, the company's chief accounting officer. Welcome to America's Car Mart's Fourth Quarter Fiscal Year twenty twenty five Earnings Call for the period ending 04/30/2025. Joining me on the call today is Doug Campbell, our company's President and CEO Jonathan Collins, our CFO and Jamie Fisher, our COO. We issued our earnings release earlier this morning, and the supplemental materials are on our website. We will pos ...

America's Car-Mart (CRMT) came out with quarterly earnings of $1.26 per share, beating the Zacks Consensus Estimate of $0.87 per share. This compares to earnings of $0.06 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 44.83%. A quarter ago, it was expected that this auto retailer would post a loss of $0.01 per share when it actually produced earnings of $0.37, delivering a surprise of 3,800%.Over the last four quarters, the c ...

EXHIBIT 99.1 America's Car-Mart Reports Fourth Quarter and Fiscal Year 2025 Results ROGERS, Ark, June 12, 2025 (GLOBE NEWSWIRE) -- America's Car-Mart, Inc. (NASDAQ: CRMT) ("we," "Car-Mart" or the "Company"), today reported financial results for the fourth quarter and full year ended April 30, 2025. Fourth Quarter Key Highlights (FY'25 Q4 vs. FY'24 Q4, unless otherwise noted) Full Year Key Highlights (FY'25 vs. FY'24, unless otherwise noted) President and CEO Doug Campbell commentary: "Fiscal year 2025 marke ...

Core Insights - America's Car-Mart, Inc. reported financial results for the fourth quarter and full year ended April 30, 2025, highlighting a period of transformation and groundwork for future growth [1][4]. Fourth Quarter Key Highlights - Total revenue increased by 1.5% to $370.2 million, driven by a 2.6% increase in sales volumes to 15,649 units and a 4.2% increase in interest income [6][11]. - Gross margin percentage improved by 90 basis points to 36.4%, attributed to optimization in vehicle pricing and procurement strategies [12][21]. - Net charge-offs as a percentage of average finance receivables improved to 6.9% from 7.3% [13][21]. - Diluted earnings per share rose to $1.26 compared to $0.06 in the previous year [6][31]. Full Year Key Highlights - Total revenue for the fiscal year was $1.4 billion, a slight decrease of 0.2% or $3.0 million from the previous year [6][33]. - Sales volumes decreased by 1.7% to 57,022 units, while interest income increased by 5.0% to $244.7 million [6][33]. - Gross margin percentage increased by 200 basis points to 36.7% [6][33]. - Net charge-offs as a percentage of average finance receivables improved to 25.9% from 27.2% [6][33]. - Active customer count increased by 2.4% to 104,682 [6][33]. Management Commentary - The President and CEO emphasized the company's agility and focus on long-term success, highlighting key accomplishments such as the expansion of the loan origination system and improvements in gross margins [4][19]. Financial Metrics - Interest expense decreased by 2.2%, while total collections increased by 3.7% to $714.1 million for the fiscal year [6][33]. - The allowance for credit losses improved to 23.25% from 25.32% year-over-year, reflecting favorable performance in contracts under enhanced underwriting standards [14][34]. - The company completed a term securitization transaction on May 29, 2025, issuing $216 million of asset-backed notes [19].

Group 1: Financial Performance - America's Car-Mart is set to release its fourth-quarter financial results on June 12, with expected earnings of 86 cents per share, a significant increase from 6 cents per share in the same period last year [1] - The company projects quarterly revenue of $343.5 million, down from $364.67 million a year earlier [1] - On May 30, America's Car-Mart completed a $216 million term securitization [1] Group 2: Stock Performance - America's Car-Mart shares increased by 3.5%, closing at $57.74 [2] - Analysts have provided various ratings for the stock, with Stephens & Co. initiating coverage with an Equal-Weight rating and a price target of $61 [7] - BTIG analyst rated the stock as Neutral, while B of A Securities maintained an Underperform rating and reduced the price target from $55 to $50 [7] Group 3: Investment Opportunities - Boxabl is offering a pre-IPO opportunity at $0.80 per share, targeting a valuation of $3.5 billion [5] - The company has received interest for over 190,000 homes, indicating significant demand and potential disruption in the housing market [3] - Boxabl aims to raise $1 billion to scale production of its foldable tiny homes, priced at $60,000 each [3]

Participants may access the conference call via webcast using this link: Webcast Link Here. To participate via telephone, please register in advance using this Registration Link. Upon registration, all telephone participants will receive a one-time confirmation email detailing how to join the conference call, including the dial-in number along with a unique PIN that can be used to access the call. All participants are encouraged to dial-in 10 minutes prior to the start time. ROGERS, Ark., June 05, 2025 (GLO ...

Here are three stocks with buy ranks and strong growth characteristics for investors to consider today June 2nd:Encompass Health (EHC) : This integrated healthcare service provider which offers facility-based patient care through its network of inpatient rehabilitation hospitals, carries a Zacks Rank #1 (Strong Buy), and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 4.4% over the last 60 days.Encompass Health has a PEG ratio of 2.46 compared with 2.47 for the industry. ...