$CRMT
AMERICAS CARMART INC

2023 Q3 Form 10-Q Financial Statement

#000117184323005638 Filed on September 08, 2023

View on sec.gov

Income Statement

Concept 2023 Q3 2023 Q2
Revenue $368.0M $388.3M
YoY Change 6.71% 10.37%
Cost Of Revenue $203.9M $223.6M
YoY Change 5.57% 13.82%
Gross Profit $164.1M $164.7M
YoY Change 8.16% 6.0%
Gross Profit Margin 44.6% 42.42%
Selling, General & Admin $142.8M $148.0M
YoY Change 13.2% 27.22%
% of Gross Profit 86.99% 89.83%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.693M $1.605M
YoY Change 47.09% 32.64%
% of Gross Profit 1.03% 0.97%
Operating Expenses $144.5M $149.6M
YoY Change 13.51% 27.28%
Operating Profit $19.66M $15.15M
YoY Change -19.69% -60.01%
Interest Expense -$14.27M -$12.85M
YoY Change 94.34% 269.31%
% of Operating Profit -72.6% -84.84%
Other Income/Expense, Net
YoY Change
Pretax Income $5.220M $2.253M
YoY Change -69.52% -93.44%
Income Tax $1.034M $165.0K
% Of Pretax Income 19.81% 7.32%
Net Earnings $4.176M $2.078M
YoY Change -68.46% -92.21%
Net Earnings / Revenue 1.13% 0.54%
Basic Earnings Per Share $0.65
Diluted Earnings Per Share $0.63 $0.32
COMMON SHARES
Basic Shares Outstanding 6.382M 6.371M
Diluted Shares Outstanding 6.635M

Balance Sheet

Concept 2023 Q3 2023 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $6.300M $9.796M
YoY Change 44.43% 41.64%
Cash & Equivalents $6.314M $9.796M
Short-Term Investments
Other Short-Term Assets $22.30M $21.43M
YoY Change 128.76% 136.94%
Inventory $117.2M $109.3M
Prepaid Expenses
Receivables $6.800M $6.115M
Other Receivables $5.100M $9.259M
Total Short-Term Assets $157.7M $155.9M
YoY Change -4.03% 14.24%
LONG-TERM ASSETS
Property, Plant & Equipment $60.66M $61.68M
YoY Change 3.65% 19.92%
Goodwill $11.70M $11.70M
YoY Change 36.05% 36.05%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $85.90M $58.24M
YoY Change 128.94% 63.26%
Total Long-Term Assets $1.347B $1.265B
YoY Change 24.27% 25.34%
TOTAL ASSETS
Total Short-Term Assets $157.7M $155.9M
Total Long-Term Assets $1.347B $1.265B
Total Assets $1.505B $1.420B
YoY Change 20.54% 24.02%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $31.90M $27.20M
YoY Change 8.58% 35.61%
Accrued Expenses $87.90M $87.73M
YoY Change 2.82% 1.43%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $119.8M $114.9M
YoY Change 3.01% 7.05%
LONG-TERM LIABILITIES
Long-Term Debt $710.8M $638.6M
YoY Change 38.82% 44.92%
Other Long-Term Liabilities $132.9M $128.6M
YoY Change 23.57% 28.5%
Total Long-Term Liabilities $843.7M $767.2M
YoY Change 36.17% 41.88%
TOTAL LIABILITIES
Total Short-Term Liabilities $119.8M $114.9M
Total Long-Term Liabilities $843.7M $767.2M
Total Liabilities $999.6M $921.5M
YoY Change 30.29% 36.41%
SHAREHOLDERS EQUITY
Retained Earnings $690.0M $685.8M
YoY Change 2.76% 4.19%
Common Stock $112.1M $110.1M
YoY Change 5.27% 6.6%
Preferred Stock
YoY Change
Treasury Stock (at cost) $297.5M $297.4M
YoY Change 0.02% 1.78%
Treasury Stock Shares
Shareholders Equity $504.6M $498.4M
YoY Change
Total Liabilities & Shareholders Equity $1.505B $1.420B
YoY Change 20.54% 24.02%

Cashflow Statement

Concept 2023 Q3 2023 Q2
OPERATING ACTIVITIES
Net Income $4.176M $2.078M
YoY Change -68.46% -92.21%
Depreciation, Depletion And Amortization $1.693M $1.605M
YoY Change 47.09% 32.64%
Cash From Operating Activities -$45.40M -$14.63M
YoY Change -23.15% 26.02%
INVESTING ACTIVITIES
Capital Expenditures $850.0K $159.0K
YoY Change -110.31% -102.26%
Acquisitions
YoY Change
Other Investing Activities $530.0K -$133.0K
YoY Change 2560.0%
Cash From Investing Activities -$850.0K -$292.0K
YoY Change -89.69% -95.86%
FINANCING ACTIVITIES
Cash Dividend Paid $10.00K
YoY Change 0.0%
Common Stock Issuance & Retirement, Net -$445.0K $64.00K
YoY Change -88.58%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 70.42M 17.49M
YoY Change 5.7% -70.17%
NET CHANGE
Cash From Operating Activities -45.40M -14.63M
Cash From Investing Activities -850.0K -292.0K
Cash From Financing Activities 70.42M 17.49M
Net Change In Cash 24.17M 2.563M
YoY Change -3532.81% -93.59%
FREE CASH FLOW
Cash From Operating Activities -$45.40M -$14.63M
Capital Expenditures $850.0K $159.0K
Free Cash Flow -$46.25M -$14.79M
YoY Change -9.01% 223.51%

Facts In Submission

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<p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt;"><i>Reclassification</i></p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt;"> </p> <p style="font-family: &quot;Times New Roman&quot;; font-size: 10pt; font-variant: normal; text-align: justify; margin: 0pt; text-indent: 10pt;">Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassification had no effect on the prior year net income or shareholder’s equity.</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;text-indent:10pt;"> </p>
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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><i>Use of Estimates</i></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;text-indent:9pt;">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the period. Actual results could differ from those estimates. Significant estimates include, but are not limited to, the Company’s allowance for credit losses.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p>
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<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"><i>Concentration of Risk</i></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;text-indent:10pt;">The Company provides financing in connection with the sale of substantially all of its vehicles. These sales are made primarily to customers residing in Alabama, Arkansas, Georgia, Illinois, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, and Texas, with approximately 27.6% of current period revenues resulting from sales to Arkansas customers.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;text-indent:10pt;">As of July 31, 2023, and periodically throughout the period, the Company maintained cash in financial institutions in excess of the amounts insured by the federal government. The cash is held in several highly rated banking institutions. The Company regularly monitors its counterparty credit risk and mitigates exposure by limiting the amount it invests in one institution.</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;text-indent:10pt;"> </p>
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Goodwill
11700000 usd
CY2023Q2 us-gaap Goodwill
Goodwill
11700000 usd
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
299608000 usd
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
237823000 usd
CY2023Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
96323000 usd
CY2023Q3 us-gaap Tangible Asset Impairment Charges
TangibleAssetImpairmentCharges
12000 usd
CY2023Q2 crmt Financing Receivable After Allowance For Credit Loss Before Loan Costs
FinancingReceivableAfterAllowanceForCreditLossBeforeLoanCosts
1073764000 usd
CY2023Q3 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.198 pure
CY2022Q3 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.227 pure
CY2023Q3 us-gaap Tax Adjustments Settlements And Unusual Provisions
TaxAdjustmentsSettlementsAndUnusualProvisions
130000 usd
CY2022Q3 us-gaap Tax Adjustments Settlements And Unusual Provisions
TaxAdjustmentsSettlementsAndUnusualProvisions
206000 usd
CY2023Q3 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
311569000 usd
CY2022Q3 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
294476000 usd
CY2023Q3 crmt Financing Receivable Recorded Investment Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue
4900000 usd
CY2022Q3 crmt Financing Receivable Recorded Investment Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue
2700000 usd
CY2023Q3 us-gaap Late Fee Income Generated By Servicing Financial Assets Amount
LateFeeIncomeGeneratedByServicingFinancialAssetsAmount
1200000 usd
CY2022Q3 us-gaap Late Fee Income Generated By Servicing Financial Assets Amount
LateFeeIncomeGeneratedByServicingFinancialAssetsAmount
970000 usd
CY2023Q3 us-gaap Contract With Customer Liability Revenue Recognized
ContractWithCustomerLiabilityRevenueRecognized
12300000 usd
CY2022Q2 crmt Financing Receivable After Allowance For Credit Loss Before Loan Costs
FinancingReceivableAfterAllowanceForCreditLossBeforeLoanCosts
863674000 usd
CY2023Q3 crmt Finance Receivable Originations
FinanceReceivableOriginations
297732000 usd
CY2022Q3 crmt Finance Receivable Originations
FinanceReceivableOriginations
287416000 usd
CY2023Q3 crmt Finance Receivable Collections
FinanceReceivableCollections
109291000 usd
CY2022Q3 crmt Finance Receivable Collections
FinanceReceivableCollections
103879000 usd
CY2023Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
96323000 usd
CY2022Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
76241000 usd
CY2023Q3 crmt Losses On Claims For Payment Protection Plan
LossesOnClaimsForPaymentProtectionPlan
7769000 usd
CY2022Q3 crmt Losses On Claims For Payment Protection Plan
LossesOnClaimsForPaymentProtectionPlan
6108000 usd
CY2023Q3 crmt Inventory Acquired In Repossession And Payment Protection Plan Claims
InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims
31848000 usd
CY2022Q3 crmt Inventory Acquired In Repossession And Payment Protection Plan Claims
InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims
35422000 usd
CY2023Q3 crmt Financing Receivable After Allowance For Credit Loss Before Loan Costs
FinancingReceivableAfterAllowanceForCreditLossBeforeLoanCosts
1126265000 usd
CY2023Q3 us-gaap Tax Adjustments Settlements And Unusual Provisions
TaxAdjustmentsSettlementsAndUnusualProvisions
130000 usd
CY2022Q3 us-gaap Tax Adjustments Settlements And Unusual Provisions
TaxAdjustmentsSettlementsAndUnusualProvisions
206000 usd
CY2023Q3 crmt Treasury Stock Shares To Establish Reserve Account To Secure Service Contracts
TreasuryStockSharesToEstablishReserveAccountToSecureServiceContracts
10000
CY2023Q3 us-gaap Financing Receivable Before Allowance For Credit Loss And Fee
FinancingReceivableBeforeAllowanceForCreditLossAndFee
1843956000 usd
CY2023Q2 us-gaap Financing Receivable Before Allowance For Credit Loss And Fee
FinancingReceivableBeforeAllowanceForCreditLossAndFee
1752149000 usd
CY2023Q3 us-gaap Deferred Discounts Finance Charges And Interest Included In Receivables
DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables
403249000 usd
CY2023Q2 us-gaap Deferred Discounts Finance Charges And Interest Included In Receivables
DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables
378777000 usd
CY2023Q3 crmt Finance Receivable Principal Balance
FinanceReceivablePrincipalBalance
1440707000 usd
CY2023Q2 crmt Finance Receivable Principal Balance
FinanceReceivablePrincipalBalance
1373372000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
314442000 usd
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
299608000 usd
CY2023Q3 crmt Financing Receivable After Allowance For Credit Loss Before Loan Costs
FinancingReceivableAfterAllowanceForCreditLossBeforeLoanCosts
1126265000 usd
CY2023Q2 crmt Financing Receivable After Allowance For Credit Loss Before Loan Costs
FinancingReceivableAfterAllowanceForCreditLossBeforeLoanCosts
1073764000 usd
CY2023Q3 us-gaap Financing Receivable Unamortized Loan Fee Cost
FinancingReceivableUnamortizedLoanFeeCost
727000 usd
CY2023Q2 us-gaap Financing Receivable Unamortized Loan Fee Cost
FinancingReceivableUnamortizedLoanFeeCost
700000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
314442000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
255836000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
640000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
587000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Period Increase Decrease
FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease
14800000 usd
CY2023Q3 crmt Financing Receivable Allowance For Credit Loss Period Increase Decrease Percentage
FinancingReceivableAllowanceForCreditLossPeriodIncreaseDecreasePercentage
0.05 pure
CY2023Q3 crmt Finance Receivable Principal Balance
FinanceReceivablePrincipalBalance
1440707000 usd
CY2023Q3 crmt Financing Receivable Percent Of Portfolio
FinancingReceivablePercentOfPortfolio
1.0000 pure
CY2023Q2 crmt Finance Receivable Principal Balance
FinanceReceivablePrincipalBalance
1373372000 usd
CY2023Q2 crmt Financing Receivable Percent Of Portfolio
FinancingReceivablePercentOfPortfolio
1.0000 pure
CY2022Q3 crmt Finance Receivable Principal Balance
FinanceReceivablePrincipalBalance
1185276000 usd
CY2022Q3 crmt Financing Receivable Percent Of Portfolio
FinancingReceivablePercentOfPortfolio
1.0000 pure
CY2023Q3 crmt Average Collected Amount Per Customer Per Month
AverageCollectedAmountPerCustomerPerMonth
535000 usd
CY2022Q3 crmt Average Collected Amount Per Customer Per Month
AverageCollectedAmountPerCustomerPerMonth
516000 usd
CY2023Q3 crmt Principal Collected As A Percent Of Average Financing Receivables
PrincipalCollectedAsAPercentOfAverageFinancingReceivables
0.078 pure
CY2022Q3 crmt Principal Collected As A Percent Of Average Financing Receivables
PrincipalCollectedAsAPercentOfAverageFinancingReceivables
0.091 pure
CY2023Q3 crmt Average Downpayment Percentage
AverageDownpaymentPercentage
0.050 pure
CY2022Q3 crmt Average Downpayment Percentage
AverageDownpaymentPercentage
0.054 pure
CY2023Q3 crmt Average Originating Contract Term
AverageOriginatingContractTerm
P44M21D
CY2022Q3 crmt Average Originating Contract Term
AverageOriginatingContractTerm
P42M24D
CY2023Q3 crmt Portfolio Weighted Average Contract Term Including Modifications
PortfolioWeightedAverageContractTermIncludingModifications
P46M27D
CY2022Q3 crmt Portfolio Weighted Average Contract Term Including Modifications
PortfolioWeightedAverageContractTermIncludingModifications
P44M
CY2023Q3 crmt Collections As Percentage Of Average Financing Receivables
CollectionsAsPercentageOfAverageFinancingReceivables
0.037 pure
CY2023Q3 crmt Increase Decrease In Average Selling Price
IncreaseDecreaseInAverageSellingPrice
734 usd
CY2023Q3 crmt Increase Decrease In Average Selling Price Percentage
IncreaseDecreaseInAverageSellingPricePercentage
0.041 pure
CY2023Q3 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
296860000 usd
CY2023Q3 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
758830000 usd
CY2023Q3 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
309379000 usd
CY2023Q3 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
69511000 usd
CY2023Q3 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
4936000 usd
CY2023Q3 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
1191000 usd
CY2023Q3 crmt Finance Receivable Principal Balance
FinanceReceivablePrincipalBalance
1440707000 usd
CY2023Q3 crmt Financing Receivable Percent Of Portfolio
FinancingReceivablePercentOfPortfolio
1.000 pure
CY2023Q3 us-gaap Financing Receivable Year One Originated Current Fiscal Year Writeoff
FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff
3239000 usd
CY2023Q3 us-gaap Financing Receivable Year Two Originated Fiscal Year Before Current Fiscal Year Writeoff
FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff
75308000 usd
CY2023Q3 us-gaap Financing Receivable Year Three Originated Two Years Before Current Fiscal Year Writeoff
FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff
28036000 usd
CY2023Q3 us-gaap Financing Receivable Year Four Originated Three Years Before Current Fiscal Year Writeoff
FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff
5577000 usd
CY2023Q3 us-gaap Financing Receivable Year Five Originated Four Years Before Current Fiscal Year Writeoff
FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff
441000 usd
CY2023Q3 us-gaap Financing Receivable Originated More Than Five Years Before Current Fiscal Year Writeoff
FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff
144000 usd
CY2023Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
112745000 usd
CY2022Q3 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
286192000 usd
CY2022Q3 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
658491000 usd
CY2022Q3 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
211786000 usd
CY2022Q3 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
27441000 usd
CY2022Q3 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
1303000 usd
CY2022Q3 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
63000 usd
CY2022Q3 crmt Finance Receivable Principal Balance
FinanceReceivablePrincipalBalance
1185276000 usd
CY2022Q3 crmt Financing Receivable Percent Of Portfolio
FinancingReceivablePercentOfPortfolio
1.000 pure
CY2023Q3 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
45644000 usd
CY2023Q2 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
45078000 usd
CY2023Q3 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
60660000 usd
CY2023Q2 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
61682000 usd
CY2023Q3 us-gaap Accrued Salaries Current And Noncurrent
AccruedSalariesCurrentAndNoncurrent
8439000 usd
CY2023Q2 us-gaap Accrued Salaries Current And Noncurrent
AccruedSalariesCurrentAndNoncurrent
11197000 usd
CY2023Q3 us-gaap Sales And Excise Tax Payable Current And Noncurrent
SalesAndExciseTaxPayableCurrentAndNoncurrent
8791000 usd
CY2023Q2 us-gaap Sales And Excise Tax Payable Current And Noncurrent
SalesAndExciseTaxPayableCurrentAndNoncurrent
8543000 usd
CY2023Q3 crmt Reserve For Claims
ReserveForClaims
5815000 usd
CY2023Q2 crmt Reserve For Claims
ReserveForClaims
5694000 usd
CY2023Q3 crmt Fair Value Of Contingent Consideration Liability
FairValueOfContingentConsiderationLiability
1943000 usd
CY2023Q2 crmt Fair Value Of Contingent Consideration Liability
FairValueOfContingentConsiderationLiability
1943000 usd
CY2023Q3 us-gaap Other Accrued Liabilities Current And Noncurrent
OtherAccruedLiabilitiesCurrentAndNoncurrent
5374000 usd
CY2023Q2 us-gaap Other Accrued Liabilities Current And Noncurrent
OtherAccruedLiabilitiesCurrentAndNoncurrent
6229000 usd
CY2023Q3 us-gaap Accrued Liabilities Current And Noncurrent
AccruedLiabilitiesCurrentAndNoncurrent
30362000 usd
CY2023Q2 us-gaap Accrued Liabilities Current And Noncurrent
AccruedLiabilitiesCurrentAndNoncurrent
33606000 usd
CY2023Q3 crmt Long Term Line Of Credit Net Of Debt Issuance Costs
LongTermLineOfCreditNetOfDebtIssuanceCosts
-1035000 usd
CY2023Q2 crmt Long Term Line Of Credit Net Of Debt Issuance Costs
LongTermLineOfCreditNetOfDebtIssuanceCosts
167231000 usd
CY2023Q3 us-gaap Notes Payable
NotesPayable
711789000 usd
CY2023Q2 us-gaap Notes Payable
NotesPayable
471367000 usd
CY2023Q3 us-gaap Long Term Debt And Capital Lease Obligations Including Current Maturities
LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities
710754000 usd
CY2023Q2 us-gaap Long Term Debt And Capital Lease Obligations Including Current Maturities
LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities
638598000 usd
CY2022Q4 crmt Fair Value Inputs Discount Rate Intercompany Transactions
FairValueInputsDiscountRateIntercompanyTransactions
0.385 pure
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
6381704
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
6373326
CY2023Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
253298
CY2022Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
228260
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
6635002
CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
6601586
CY2023Q3 crmt Minimum Exercise Price As A Percentage Of Fair Market Value At Date Of Grant
MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant
1 pure
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Expiration Date
ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate
2033-05-01
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Number Of Shares Available For Grant
ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant
225000
CY2023Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P5Y6M
CY2022Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P5Y6M
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0366 pure
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0292 pure
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.58 pure
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.51 pure
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
35000
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
30000
CY2023Q3 crmt Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue
1500000 usd
CY2022Q3 crmt Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue
1200000 usd
CY2023Q3 crmt Stock Options Exercised
StockOptionsExercised
30000
CY2022Q3 crmt Stock Options Exercised
StockOptionsExercised
23000
CY2023Q3 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
0 usd
CY2022Q3 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
1216000 usd
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
1036000 usd
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
1204000 usd
CY2023Q3 crmt Share Based Compensation Arrangement By Share Based Payment Award Options Exercised Through Net Settlements
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedThroughNetSettlements
30000
CY2023Q3 crmt Share Based Compensation Arrangement By Share Based Payment Award Options Reduction In Shares Issued To Satisfy The Exercise Price And Applicable Withholding Taxes
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsReductionInSharesIssuedToSatisfyTheExercisePriceAndApplicableWithholdingTaxes
23507
CY2023Q3 crmt Share Based Compensation Arrangement By Share Based Payment Award Options Exercised Through Net Settlements Net Of Shares To Satisfy The Exercise Price And Applicable Withholding Taxes
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedThroughNetSettlementsNetOfSharesToSatisfyTheExercisePriceAndApplicableWithholdingTaxes
6493
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
25800000 usd
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber
423400
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Exercisable Aggregate Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue
19000000.0 usd
CY2023Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1
P5Y7M6D
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice
77.70
CY2023Q3 crmt Operating Lease Percent Of Facilities Leased
OperatingLeasePercentOfFacilitiesLeased
0.87 pure
CY2023Q3 us-gaap Operating Lease Expense
OperatingLeaseExpense
2200000 usd
CY2022Q3 us-gaap Operating Lease Expense
OperatingLeaseExpense
2700000 usd
CY2023Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.044 pure
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
6485000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
8604000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
8157000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
7749000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
7130000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
45003000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
83128000 usd
CY2023Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
18246000 usd
CY2023Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
64882000 usd
CY2023Q3 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2900000 usd
CY2023Q3 us-gaap Interest Paid Net
InterestPaidNet
15306000 usd
CY2022Q3 us-gaap Interest Paid Net
InterestPaidNet
7294000 usd
CY2023Q3 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
135000 usd
CY2022Q3 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
199000 usd
CY2023Q3 us-gaap Fair Value Of Assets Acquired
FairValueOfAssetsAcquired
31849000 usd
CY2022Q3 us-gaap Fair Value Of Assets Acquired
FairValueOfAssetsAcquired
29358000 usd
CY2023Q3 crmt Net Settlement Option Exercises
NetSettlementOptionExercises
1646000 usd
CY2022Q3 crmt Net Settlement Option Exercises
NetSettlementOptionExercises
0 usd
CY2023Q3 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
0 usd
CY2022Q3 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
419000 usd
CY2023Q3 crmt Rightofuse Asset Obtained In Exchange For Operating Lease Liability Through Acquisitions
RightofuseAssetObtainedInExchangeForOperatingLeaseLiabilityThroughAcquisitions
0 usd
CY2022Q3 crmt Rightofuse Asset Obtained In Exchange For Operating Lease Liability Through Acquisitions
RightofuseAssetObtainedInExchangeForOperatingLeaseLiabilityThroughAcquisitions
0 usd
CY2022Q3 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
294476000 usd
CY2022Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
76241000 usd
CY2022Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4027000 usd
CY2022Q3 us-gaap Profit Loss
ProfitLoss
13697000 usd
CY2022Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
13687000 usd
CY2022Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.15
CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.07

Files In Submission

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0001171843-23-005638.txt Edgar Link pending
0001171843-23-005638-xbrl.zip Edgar Link pending
crmt-20230731.xsd Edgar Link pending
crmt20230731_10q.htm Edgar Link pending
ex_566251.htm Edgar Link pending
ex_566252.htm Edgar Link pending
ex_566253.htm Edgar Link pending
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