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]

Company Announcement - America's Car-Mart, Inc. will release its fiscal 2025 fourth quarter financial results on June 12, 2025, before the market opens [1] - A webcast and conference call will be held on the same day at 9:00 a.m. ET to review the results [1] Conference Call Details - Participants can access the conference call via a provided webcast link or by registering in advance for telephone participation [2] - Telephone participants will receive a confirmation email with dial-in details and a unique PIN [2] - All participants are encouraged to join the call 10 minutes prior to the start time [2] Replay Information - A replay of the conference call and webcast will be available on-demand for 12 months from June 12, 2025, on the Car-Mart Investor Relations website [3] Company Overview - America's Car-Mart operates automotive dealerships in 12 states and is one of the largest publicly held automotive retailers in the U.S. focused on the "Integrated Auto Sales and Finance" segment of the used car market [4] - The company emphasizes superior customer service and building strong personal relationships with customers [4] - Dealerships are primarily located in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for nearly all customers [4]

Group 1: Encompass Health (EHC) - Encompass Health is an integrated healthcare service provider offering facility-based patient care through its network of inpatient rehabilitation hospitals [1] - The company has a Zacks Rank of 1 (Strong Buy) and has seen a 4.4% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1][2] - Encompass Health has a PEG ratio of 2.46, slightly lower than the industry average of 2.47, and possesses a Growth Score of A [2] Group 2: America's CarMart (CRMT) - America's CarMart operates automotive dealerships and is one of the largest automotive retailers in the U.S., focusing on the Buy Here/Pay Here segment of the used car market [2] - The company holds a Zacks Rank of 1 and has experienced an 87.2% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2][3] - America's CarMart has a PEG ratio of 0.35, significantly lower than the industry average of 0.64, and has a Growth Score of B [3] Group 3: PVH (PVH) - PVH specializes in designing and marketing branded apparel products, including dress shirts, neckwear, and footwear [3] - The company has a Zacks Rank of 1 and has seen an 8.3% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3][4] - PVH has a PEG ratio of 0.62, compared to the industry average of 1.42, and possesses a Growth Score of B [4]

Core Insights - America's Car-Mart, Inc. has completed a term securitization transaction, issuing $216 million in asset-backed notes with a weighted average coupon of 6.27% [1][3] Group 1: Securitization Details - ACM Auto Trust 2025-2 issued $165.18 million of Class A Notes at a coupon rate of 5.55% and $50.82 million of Class B Notes at a coupon rate of 7.25% [2] - The weighted average coupon improved by 22 basis points from the January 2025 issuance and by 107 basis points from the October 2024 issuance, indicating a positive trend in financing costs [3] Group 2: Company Overview - America's Car-Mart operates automotive dealerships in 12 states, focusing on the "Integrated Auto Sales and Finance" segment of the used car market, emphasizing customer service and strong relationships [5]

For more information, contact Media.Relations@Car-Mart.com ROGERS, Ark., May 27, 2025 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (Nasdaq: CRMT) announced its annual Community Fan Drive, a company tradition conducted every May and June. For over 25 years, Car-Mart has rallied its customers, associates, and partners to collect fans that are then donated to local charities chosen by each dealership. “Summer means higher temperatures, and it will be difficult for some people to stay cool and comfortable. Ever ...

ROGERS, Ark., May 08, 2025 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today announced that Jonathan Collins will assume the role of Chief Financial Officer (CFO) effective May 12, 2025. He will succeed Vickie Judy, who will transition to the position of Chief Accounting Officer (CAO). This transition is part of the Company’s continued focus on building a robust foundation to support long-term growth. “Since joining the Company in 2010, Vickie has played ...

Core Insights - True value in investments is derived from growth rather than short-term gains, emphasizing a long-term perspective on evaluation [1] - Great businesses provide significant societal value and exhibit durability, deserving growth proportional to their superior products and services [1] - Key characteristics sought in investments include selection, convenience, value, and durability, with a preference for non-cyclical businesses [1] Business Characteristics - The ability to create superior products and services that outperform competitors is crucial [1] - Multiple revenue streams and anti-fragile business structures are preferred, indicating resilience in adverse conditions [1] - Uniqueness is identified as the primary driver of value, with low maintenance costs allowing for high reinvestment potential [1] Management and Strategy - Trust and network effects are important indicators of business durability [1] - Effective management is critical, with a preference for executives who have aligned interests and a strong focus on the business [1] - Successful companies, like Amazon, demonstrate that a customer-centric approach can yield extraordinary returns [1] Investment Timing and Strategy - The optimal time for investment is when negative news is already known, revealing true value [1] - Companies that can maintain stability during layoffs and do not need to chase talent are seen as more valuable [1] - Price movements are influenced by expectations and surprises, with interest in companies that have negative factors priced in but positive aspects underestimated [1]

Revenue Performance - Revenue for the first nine months of fiscal 2025 declined by 0.8% compared to the same period of fiscal 2024, primarily due to a 3.2% decrease in retail units sold[133] - Revenues decreased by approximately $8.5 million, or 0.8%, for the nine months ended January 31, 2025, primarily due to a decline in revenue at dealerships operating for the full period[155] - Revenues increased by approximately $26.1 million, or 8.7%, for the three months ended January 31, 2025, compared to the same period in the prior fiscal year[145] - Same store revenue growth was 3.1% for the three months ended January 31, 2025, compared to a decline of 9.3% for the same period in the prior year[145] Profitability Metrics - Gross profit per retail unit sold increased by $562, or 8.2%, during the first nine months of fiscal 2025 compared to the first nine months of fiscal 2024[139] - Gross margin as a percentage of sales improved to 36.7% for the nine months ended January 31, 2025, compared to 34.4% for the prior year period, driven by inventory efficiencies[156] - Net income for the nine months ended January 31, 2025, was $7.3 million, a significant improvement from a net loss of $31.8 million in the same period of the prior year[172] Credit Losses and Allowances - The provision for credit losses as a percentage of sales declined to 33.7% for the first nine months of fiscal 2025, compared to 37.6% for the same period of fiscal 2024[136] - The allowance for credit losses at January 31, 2025, was 24.31% of finance receivables, an improvement from 25.74% at January 31, 2024[136] - The allowance for credit losses at January 31, 2025, was $333.3 million, representing 24.31% of the principal balance in finance receivables of $1.5 billion[192] Interest Income and Expense - Interest income increased by 5.1% for the three months ended January 31, 2025, due to a $30.9 million increase in average finance receivables and an increase in the weighted average interest rate to 17.5%[145] - Interest income increased by 5.3% to $184.3 million for the nine months ended January 31, 2025, attributed to a $28.6 million increase in average finance receivables[155] - Interest expense as a percentage of sales increased to 6.4% for the nine months ended January 31, 2025, compared to 5.6% for the prior year period, with a dollar increase of $5.7 million[161] Inventory and Finance Receivables - Finance receivables, net, increased by 4.3% to $1.146 billion as of January 31, 2025, compared to $1.099 billion as of April 30, 2024[162] - Inventory increased by $36.5 million compared to April 30, 2024, due to acquisitions and increased volumes across dealerships[163] - Finance receivable collections increased to $338.7 million for the nine months ended January 31, 2025, compared to $324.7 million in the prior year[172] Expenses and Investments - Selling, general and administrative expenses increased by approximately $5.7 million, or 4.2%, for the nine months ended January 31, 2025, largely due to investments in management and new dealership acquisitions[159] - The Company expects to purchase fixed assets of approximately $9 million in the next 12 months and fund dealership acquisitions as opportunities arise[185] Financing and Credit Facilities - The Company completed a public offering of 1.7 million shares at $43.00 per share, raising approximately $68.2 million in net proceeds[170] - The Company entered into Amendment No. 9 to its revolving credit agreement, extending the maturity date to March 31, 2027, and increasing total permitted borrowings to $350 million[183] - The Company had an outstanding balance of $73.1 million on its revolving line of credit as of January 31, 2025, with a potential annual interest expense increase of approximately $7.3 million for a 1% rise in interest rates[201] Market Conditions and Future Outlook - The Company expects tight used vehicle supply and strong demand to keep purchase costs elevated in the short term[177] - The Company expects the historical sales pattern to continue, with a higher proportion of revenue and operating profit realized during the first and fourth fiscal quarters[198] - The Company is exposed to market risk from changes in interest rates, particularly related to its debt obligations and revolving credit facilities[200] Accounting Standards Updates - The Company adopted ASU 2022-02 on May 1, 2023, which changes the methodology for measuring credit losses on financial instruments, affecting vintage disclosures related to current-period gross write-offs[195] - The Company plans to adopt ASU 2023-09 for its fiscal year beginning May 1, 2025, which is expected to enhance transparency in income tax disclosures but not materially affect financial statements[197] - The adoption of ASU 2023-07 will result in additional segment disclosures but will not impact the Company's consolidated financial position or results of operations[196]