AMERICAS CARMART INC
For the period ended Apr 30, 2025. Filed Aug 8, 2025.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Aug 8, 2025
CRMT$0.93-2.8%Stored close · as of Nov 12, 2026
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Table of Contents
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AMERICA’S CAR-MART, INC.
FORM 10-K
FOR FISCAL YEAR ENDED APRIL 30, 2025
TABLE OF CONTENTS
| Page | ||
|---|---|---|
| No. | ||
| PART I. | ||
| Item 1. | Business | 6 |
| Item 1A. | Risk Factors | 16 |
| Item 1B. | Unresolved Staff Comments | 23 |
| Item 1C. | Cybersecurity | 23 |
| Item 2. | Properties | 24 |
| Item 3. | Legal Proceedings | 25 |
| Item 4. | Mine Safety Disclosures | 25 |
| PART II | ||
| Item 5. | Market for Registrant’s Common Equity, Related Stockholders Matters and Issuer Purchases of Equity Securities | 26 |
| Item 6. | [Reserved] | 27 |
| Item 7. | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 28 |
| Item 7A. | Quantitative and Qualitative Disclosures about Market Risk | 45 |
| Item 8. | Financial Statements and Supplementary Data | 47 |
| Item 9. | Changes in and Disagreements with Accountants on Accounting and Financial Disclosures | 83 |
| Item 9A. | Controls and Procedures | 83 |
| Item 9B. | Other Information | 87 |
| Item 9C. | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections | 87 |
| PART III | ||
| Item 10. | Directors, Executives Officers and Corporate Governance | 87 |
| Item 11. | Executive Compensation | 88 |
| Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matter | 88 |
| Item 13. | Certain Relationships and Related Transactions and Director Independence | 88 |
| Item 14. | Principal Accountant Fees and Services | 88 |
| PART IV | ||
| Item 15. | Exhibits and Financial Statement Schedules | 89 |
| Signatures | 96 | |
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