Core Viewpoint - America's Car-Mart, Inc. is set to release its fiscal 2025 third quarter financial results on March 6, 2025, before market opening, with a conference call scheduled for 9:00 a.m. ET to discuss the results [1]. Group 1 - The conference call can be accessed via a webcast link or by telephone, with participants encouraged to register in advance and join 10 minutes early [2]. - A replay of the conference call and webcast will be available on-demand for 12 months from the release date on the Car-Mart Investor Relations website [3]. Group 2 - America's Car-Mart operates automotive dealerships in twelve states, focusing on the "Integrated Auto Sales and Finance" segment of the used car market, emphasizing superior customer service and strong personal relationships with customers [3]. - The company primarily operates in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for nearly all customers [3].

Weighted average coupon improved 95 basis points from prior October 2024 securitization Transaction over 10 times oversubscribed ROGERS, Ark., Feb. 03, 2025 (GLOBE NEWSWIRE) -- America's Car-Mart, Inc. (NASDAQ:CRMT) ("we," "Car-Mart" or the "Company"), announced today that it has completed a term securitization transaction involving the issuance of $200 million in principal amount of asset-backed notes with an overall weighted average coupon of 6.49%. ACM Auto Trust 2025-1 issued $150.77 million of Class A ...

Core Insights - America's Car-Mart, Inc. completed a term securitization transaction issuing $200 million in asset-backed notes with a weighted average coupon of 6.49% [1] - The transaction was over 10 times oversubscribed, indicating strong market demand [1] - The weighted average coupon improved by 95 basis points compared to the previous October 2024 securitization, reflecting confidence in asset quality [3] Securitization Details - ACM Auto Trust 2025-1 issued $150.77 million of Class A Notes with a coupon rate of 5.38% and $49.23 million of Class B Notes with a coupon rate of 7.87% [2] - The notes are an indirect subsidiary of America's Car-Mart and have not been registered under the Securities Act of 1933 [4] 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 [5] - The company emphasizes superior customer service and strong personal relationships with customers, primarily operating in smaller cities in the South-Central United States [5]

Investment Philosophy - True value is derived from growth, not from undervalued assets (cigar butts) [1] - Long-term perspective is crucial for evaluating investments [1] - Great businesses offer significant societal value and are highly durable [1] - Companies with products and services 10x better than competitors deserve to grow 10x and maintain dominance [1] - Key characteristics sought in businesses include selection, convenience, and value [1] - Durability acts as a multiplier of value, with a preference for non-cyclical businesses [1] - Businesses capable of continuously outperforming competitors through product and service innovation are favored [1] - Anti-fragile business structures and complex operations are preferred [1] - The ability of a business to recover from adversity (macro and micro) is a key test of its strength [1] - Uniqueness is the primary driver of value [1] - Low maintenance costs for existing business operations provide high leverage for reinvestment and growth [1] - Minimal marketing expenditure is preferred [1] - Trust and network effects are important indicators of durability [1] - Management alignment with business interests and focus is critical, with a preference for seasoned CEOs, founders, and family businesses [1] - Good businesses empower people and attract talent, with managers who are continuous learners [1] - The success of Amazon demonstrates that customer focus can yield extraordinary returns for investors [1] - Win-win-win situations, where a true ecosystem is built, are highly valued [1] - Share buybacks are recommended when a durable business is identified [1] - The best time to invest is when all bad news is already known, and companies are not chasing talent [1] - Investments are made with the intention to buy more if prices decline [1] - Price actions are based on expectations and surprises, with a focus on companies where negative factors are priced in but positive factors are underestimated [1]

Technical Analysis - The stock of America's Car-Mart (CRMT) has declined by 15.1% over the past four weeks, indicating significant selling pressure [1] - The Relative Strength Index (RSI) is a momentum oscillator used to identify oversold stocks, with a reading below 30 typically indicating oversold conditions [2] - CRMT's RSI reading of 24.08 suggests the stock is oversold and may be poised for a trend reversal as selling pressure exhausts itself [5] Fundamental Analysis - Sell-side analysts covering CRMT have raised earnings estimates for the current year, leading to a 31.3% increase in the consensus EPS estimate over the last 30 days [6] - An upward trend in earnings estimate revisions often translates into near-term price appreciation [6] - CRMT currently holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 stocks ranked based on earnings estimate revisions and EPS surprises [7] Investment Opportunity - The combination of technical and fundamental indicators suggests CRMT could experience a turnaround, with the stock potentially rebounding from its oversold condition [5][6][7]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2024 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission file number: 0-14939 AMERICA'S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 63-0851141 (State or other j ...

America's Car-Mart, Inc. (NASDAQ:CRMT) Q2 2025 Earnings Conference Call December 5, 2024 9:00 AM ET Company Participants Vickie Judy - CFO Doug Campbell - President & CEO Conference Call Participants Kyle Joseph - Stephens Vincent Caintic - BTIG John Murphy - Bank of America Operator Hello, and thank you for standing. Welcome to America's Car-Mart Second Quarter Fiscal 2025 Result. At this time all participants are in a listen-only mode. After the speakers’ presentation there will be a question-and-answer s ...

Group 1: Earnings Performance - America's Car-Mart reported a quarterly loss of $0.24 per share, significantly worse than the Zacks Consensus Estimate of $0.05, representing an earnings surprise of -580% [1] - The company posted revenues of $347.27 million for the quarter ended October 2024, slightly exceeding the Zacks Consensus Estimate by 0.48%, but down from $361.58 million a year ago [2] - Over the last four quarters, America's Car-Mart has not surpassed consensus EPS estimates [2] Group 2: Stock Performance and Outlook - Shares of America's Car-Mart have declined approximately 39.7% since the beginning of the year, contrasting with the S&P 500's gain of 27.6% [3] - The current consensus EPS estimate for the upcoming quarter is $0.04 on revenues of $297.02 million, and for the current fiscal year, it is $0.65 on revenues of $1.36 billion [7] - The estimate revisions trend for America's Car-Mart is mixed, resulting in a Zacks Rank 3 (Hold), indicating expected performance in line with the market [6] Group 3: Industry Context - The Automotive - Retail and Whole Sales industry, to which America's Car-Mart belongs, is currently ranked in the bottom 44% of over 250 Zacks industries, suggesting potential challenges ahead [8]

EXHIBIT 99.1 America's Car-Mart Reports Second Quarter Fiscal Year 2025 Results ROGERS, Ark., Dec. 05, 2024 (GLOBE NEWSWIRE) -- America's Car-Mart, Inc. (NASDAQ: CRMT) ("we," "Car-Mart" or the "Company"), today reported financial results for the second quarter ended October 31, 2024. | --- | |-----------------------------------------------------------------------------------| | | | Second Quarter Key Highlights (FY'25 Q2 vs. FY'24 Q2, unless otherwise noted) | | Total revenue was $347.3 million, down 3.5% | ...

ROGERS, Ark., Dec. 05, 2024 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the second quarter ended October 31, 2024.   Second Quarter Key Highlights (FY’25 Q2 vs. FY’24 Q2, unless otherwise noted)  Total revenue was $347.3 million1, down 3.5%   Interest income increased $2.1 million, up 3.6%   Total collections increased 3.3% to $173.8 million   Gross margin increased to 39.4%1   Adjustment to allowance for credit loss t ...