America's Car-Mart, Inc. reported financial results for the first quarter ended July 31, 2025.
Total revenue was $341.3 million, down 1.9%.
Sales volumes decreased 5.7% to 13,568 units.
Interest income increased $4.6 million, or 7.5%.
Gross margin percentage increased to 36.6%.
Strategic Investments Pay Off
Strategic investments showed measurable results. Application volume increased over 10%.
LOS V2 Implementation
Implemented LOS V2 with advanced underwriting scorecard and risk-based pricing, driving consumer payment behavior improvements.
Portfolio Quality Enhancement
Focused on improving portfolio quality. Credit applications from top three customer credit rankings grew by 15%. Nearly 72% of the portfolio operates under enhanced standards.
- The deployment of LOS V2 and Pay Your Way upgrades led to significant shifts in consumer behavior and better payment collections.
- The focus on portfolio quality enhancements and sharper underwriting capabilities position America's Car-Mart for sustainable returns and sales growth.
America's Car-Mart's strategic investments and operational improvements during the quarter demonstrate a commitment to enhancing customer experience, managing portfolio quality, and driving sustainable growth.