Americas Car Mart

Q4 FY2026 EarningsFY26 revenue fell 7.9% YoY to $1,281.5M, as retail unit volume declined 14.3% due to inventory purchase constraints and dealership consolidations. Q4 FY26 net loss was $29.6M, with a diluted EPS of -$3.56. The company face significant liquidity challenges, issuing a 'going concern' notice while amending credit agreements for covenant relief. Total debt was reduced by $54.4M YoY, but net charge-offs as a percentage of average finance receivables rose to 27.6% for the full year.