CRMT

ROGERS, Ark., Sept. 09, 2026 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the first quarter ended July 31, 2026. President and CEO Doug Campbell commentary: Our first quarter results reflect the capital constraints that have defined our results over the last several quarters. With limited capacity to purchase inventory and fund originations, retail units were down 81.9% and revenue was down 57.3%. Inventory ended the quarter at $35.2 million against $112.5 million a year ago. This is a capital structure story, not a demand story. Application volume was limited by the vehicles we had available to sell. Credit performance was also weaker. Net charge-offs were 9.5% of average finance receivables against 6.6% a year ago, and accounts over 30 days past due were 4.6% against 4.1%. Three things drive that: the contraction of the portfolio, continued fuel and cost-of-living pressure on our customers, and the transition of a small portion of the book to centralized collections, which we completed this quarter alongside the dealership consolidations. The transition work is now behind us. Resolving our capital structure remains our first priority. The Special Committee, together with its advisors and management, continues to evaluate the range of financing and strategic alternatives available, including discussions with third parties. We do not intend to comment further on that process. Note: Discussions in each section provide information for the first quarter of fiscal year 2027, compared to the first quarter of fiscal year 2026, unless otherwise noted. SALES VOLUME – Retail units sold decreased 81.9% to 2,450 units compared to the prior year's quarter, reflecting the Company's decision to manage capital and inventory at minimal levels, which declined 68.7% to $35.2 million at July 31, 2026 from $112.5 million a year earlier, and from $54.1 million at April 30, 2026. The decline in retail units sold exceeded the decline in ending inventory because inventory was drawn down over the course of the quarter, resulting in an average balance well below historical levels. These results were also impacted by the consolidation of 60 dealership locations during fiscal 2026, which reduced the Company's dealership count from 154 to 94. Application volume processed through credit decisioning was constrained by the inventory available for sale, which was limited by the Company’s reduced ability to purchase vehicles during the period, and not by a decline in customer demand. TOTAL REVENUE – Total revenue for the quarter was $145.8 million, a decrease of 57.3% year-over-year. The decline was primarily driven by lower retail unit volume — consistent with the reduction in inventory purchases and the store consolidations discussed above — partially offset by a 7.0% increase in the average retail sales price of the vehicle, excluding ancillary products, from $17,319 to $18,530, as the Company prioritized sales of select inventory to higher credit quality customers. The decline in retail volume was partially offset by an increase in third-party wholesale sales, which rose to $21.0 million from $10.8 million. The increase primarily reflects a change in disposition strategy rather than a change in repossession activity. With limited capital available to fund new originations, the Company began wholesaling substantially all repossessed vehicles in late May to accelerate cash conversion, rather than retaining a portion of those units for retail sale, as it had historically. Interest income decreased 14.2% to $55.8 million, primarily due to the $325 million decrease in the portfolio size. GROSS PROFIT – Gross profit margin as a percentage of sales was 21.8%, compared to 36.6% in the prior year quarter. Total gross profit per retail unit sold increased by 7.5% to $8,015. The decline in gross profit margin reflects two primary factors. First, third-party wholesale sales, which carry lower margins, represented 23.4% of total sales compared to 3.9% in the prior year quarter, resulting in an aggregate loss of $4.7 million as the Company made a decision to sell more repossessed vehicles through wholesale channels, rather than re-retailing them, as part of its capital management strategy. Second, the fixed and semi-fixed components of cost of sales were spread over a substantially reduced retail sales base. Total gross profit per retail unit sold is calculated based on total gross profit, which includes the loss on third-party wholesale sales, divided by a retail unit count that declined 81.9%. SG&A EXPENSE – SG&A expenses totaled $51.6 million for the quarter, or 57.3% of sales, compared to $51.4 million and 18.6% of sales in the prior year quarter. The current quarter included approximately $13.7 million in non-recurring charges, consisting of $9.6 million of professional fees related primarily to our capital structure strategic review and $4.1 million of retention award expense. Excluding these items, adjusted SG&A (non-GAAP¹) was $37.9 million. CREDIT AND UNDERWRITING PERFORMANCE – Net charge-offs as a percentage of average finance receivables were 9.5%, compared to 6.6% in the prior year quarter. The increase in the ratio mostly reflects the contraction in the receivables base — the principal balance of finance receivables declined 21.4% compared to the prior year quarter as originations were limited due to liquidity constraints. Net charge-offs increased $24.4 million compared to the prior year quarter, reflecting a combination of operational and macroeconomic factors. First, the Company began rolling out a centralized collections function in the fourth quarter of fiscal year 2026, consolidating account servicing that had previously been performed at the dealership level, and completed implementation during the first quarter of fiscal year 2027 in connection with the transition of the consolidated dealerships. The ramp-up spanned both periods and included the migration of active accounts to the centralized platform, the hiring and training of collections staff, and the implementation of standardized contact and workflow procedures. Collections activity during this ramp-up period reflected the operational demands of the transition, and delinquency and charge-off performance on the affected accounts was elevated relative to the Company’s historical experience. Separately, continued fuel and cost-of-living pressure weighed on the Company’s customers throughout the quarter. Total collections were $164.4 million, down 10.5% from the prior year quarter, reflecting the smaller receivables base; average collected per active customer per month improved to $594 from $585. Accounts over 30 days past due were 4.6% at quarter end, compared to 4.1% a year ago and 4.1% at April 30, 2026. In addition to the smaller receivables base against which delinquency is calculated, the year-over-year increase primarily reflects the transition of certain accounts in connection with the Company's dealership consolidation, either to nearby dealerships or to the Company's centralized collections model, as described above. ALLOWANCE FOR CREDIT LOSSES – The allowance for credit losses was $277.0 million at July 31, 2026, or 24.74% of finance receivables, net of deferred revenue and pending accident protection plan claims, compared to 23.35% at July 31, 2025 and 25.15% at April 30, 2026. The year-over-year increase primarily reflects changes in the broader macroeconomic environment, rather than a change in underlying credit behavior, and the reduction in finance receivable originations undertaken to preserve liquidity. The reduction compared to April 30 reflects the smaller portfolio size and the improvement in qualitative factors, such as inflation. LEVERAGE & LIQUIDITY – Total debt declined to $623.9 million, a reduction of $151.3 million, or 19.5%, from $775.1 million at July 31, 2025. Debt to finance receivables was 52.4% at July 31, 2026, compared to 51.1% at July 31, 2025. Net debt to finance receivables (non-GAAP1) was 43.1% at July 31, 2026. Total cash, including restricted cash, decreased to $110.0 million at July 31, 2026, compared to $121.4 million at July 31, 2025 and $131.6 million at April 30, 2026. Unrestricted cash, which is available to fund operations and capital needs, was $27.5 million at July 31, 2026, up from $9.7 million a year earlier, but down from $47.0 million at April 30, 2026. Absent a revolving credit facility, preserving unrestricted liquidity remains a primary focus. The Company has taken deliberate steps to align its cost structure with available capital, including the store footprint rationalization discussed earlier. CAPITAL STRUCTURE – On June 19, 2026, we entered into an amendment to our Credit and Guaranty Agreement with our lending group, which provides covenant relief and a defined runway that will give the Company – with the guidance of the Special Committee – time to evaluate a full range of financing and strategic options available. As of the July 31, 2026 testing date under the amendment, the Company was in compliance with all applicable covenants, and it remains in compliance as of the date of this release. On September 4, 2026, the scheduled termination date of this amendment was extended through September 11, 2026. The purpose of this extension is to allow the Company additional time to evaluate the alternatives available and continue discussions with prospective counterparties. The Company remains focused on the interests of its lenders, stockholders, associates, customers, and vendors as this process continues. The Company cannot assure, however, that the review of strategic and financing alternatives will result in any transaction or other outcome favorable to the Company or its stockholders or that the Company will be able to secure additional financing on acceptable terms, or at all. INTEREST EXPENSE – Interest expense for the quarter was $19.2 million, an increase of $2.2 million, or 12.8%, compared to $17.0 million in the prior year quarter. The increase reflects the larger balance outstanding under the senior secured term loan, and its higher interest rate, compared to the revolving line of credit in place in the prior year quarter. During the quarter, $1.1 million of interest due on the senior secured loan was paid in kind and added to the outstanding principal balance of the loan. These effects were partly offset by lower interest on the Company’s asset-backed non-recourse notes payable, whose balance fell from $610.8 million to $357.7 million, and by the absence of revolver interest following repayment and retirement of the Company’s revolver in October 2025. Form 10-Q The Company expects to file its Quarterly Report on Form 10-Q for the quarter ended July 31, 2026 on September 9, 2026. This release should be read together with that report, including Note B — Liquidity and Going Concern — to the condensed consolidated financial statements and the discussion of liquidity and capital resources in Management’s Discussion and Analysis of Financial Condition and Results of Operations. 1 The calculation of this non-GAAP financial measure and a reconciliation to the most directly comparable GAAP measure are included in the tables accompanying this release. The Company will not host a conference call to discuss its first quarter fiscal 2027 results. Given the ongoing review of strategic and financing alternatives, the Company does not intend to discuss that review beyond the information contained in this release and in its Quarterly Report on Form 10-Q for the quarter ended July 31, 2026. Investors and analysts with questions may contact the Company using the investor relations contact information below; the Company will respond only with information that has been publicly disclosed. America’s Car-Mart, Inc. (the “Company”) operates automotive dealerships in 12 states and is one of the largest publicly held automotive retailers in the United States focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at www.car-mart.com. This news release contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). Specifically, we present as non-GAAP financial measures in this news release adjusted SG&A; adjusted earnings (loss) per share; total debt, net of total cash; and the ratio of debt, net of cash, to finance receivables. These non-GAAP measures are provided as supplemental measures to evaluate operating performance, cost structure, and leverage, and portfolio economics and to facilitate period-to-period comparisons that may be impacted by non-recurring or non-cash items. We believe investors benefit from referring to these non-GAAP measures and ratios in assessing our leverage, balance sheet risk, operating results and related trends, and when planning and forecasting future periods. These measures should not be considered in isolation or as substitutes for reported GAAP results, as they may include or exclude certain items relative to similar GAAP-based measures and may not be comparable to similarly titled measures reported by other companies. We strongly encourage investors to review our consolidated financial statements included in our publicly filed reports in their entirety and not rely solely on any one financial measure or communication. The most directly comparable GAAP financial measures, as well as reconciliations to those measures, are presented in the tables accompanying this release. This news release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements address the Company’s future events, objectives, plans and goals, as well as the Company’s intent, beliefs and current expectations and projections regarding future financial and operating performance and can generally be identified by words such as “may,” “will,” “should,” “could,” “expect,” “anticipate,” “intend,” “plan,” “project,” “foresee,” and other similar words or phrases. Specific events addressed by these forward-looking statements may include, but are not limited to: the Company's ability to continue as a going concern; the Company's review of strategic and financing alternatives and the potential outcomes of that review and its ability to execute and consummate any potential transaction; the covenant relief and waivers under, and the Company's ability to satisfy the milestones and other conditions of, the June 19, 2026 amendment to the Company’s Credit and Guaranty Agreement; the Company's liquidity and its efforts to preserve liquidity, including the curtailment of inventory purchases and finance receivable originations; future earnings performance; the availability of capital, including through income from operations and securing additional financing to sustain and supplement operating cash flows through additional securitization transactions, warehouse credit facilities, or other sources, and the Company's ability to consummate such financing transactions; the benefits of recent or future changes to the Company’s capital structure; operational infrastructure investments; technological investments and initiatives; the impact of cost reduction and dealership footprint optimization initiatives on operating performance and customer service levels; the Company's ability to execute its business plan; and the Company’s business and operating strategies and expectations. These forward-looking statements are based on the Company’s current estimates and assumptions and involve various risks and uncertainties. As a result, you are cautioned that these forward-looking statements are not guarantees of future performance, and that actual results and events could differ materially from those projected in these forward-looking statements. Factors that may cause actual results or events to differ materially from the Company’s projections include, but are not limited to: the existence of substantial doubt about the Company's ability to continue as a going concern, and the effects of that disclosure on the Company's relationships with customers, associates, suppliers, lenders and other stakeholders; the Company's ability to satisfy the milestones and other conditions of the June 19, 2026 amendment to its Credit and Guaranty Agreement, to further extend the related covenant relief and waiver period beyond September 11, 2026, if needed, and to obtain further waivers, covenant relief, forbearance or financing from its lenders on acceptable terms, or at all; the outcome of the Company's review of strategic and financing alternatives, including the risk that the review does not result in any transaction, results in a transaction on unfavorable terms, or is not completed in a timely manner, and the costs, timing and uncertainties associated with the review and related advisory engagements; the Company's substantial level of indebtedness and its ability to service that indebtedness, and the risk that its indebtedness could be accelerated (including under cross-default or cross-acceleration provisions) and that the Company would not have sufficient liquidity to repay it; the Company's ability to fund finance receivable originations, vehicle inventory purchases, debt service and operating expenses, including its ability to establish a warehouse credit facility and to continue to complete asset-backed securitization transactions; the curtailment of the Company's vehicle inventory purchases and finance receivable originations and the effect of that curtailment on the Company's sales, revenues and collections; the Company's changes to customer collection practices, including the transition to a centralized collections model and the transfer of customer accounts to dealerships located farther from customers' prior collection locations and the effect of the change on collections, revenues, and customer relationships; the potential need for the Company to seek protection under applicable bankruptcy or insolvency laws; the possibility that holders of the Company's common stock could experience a significant or complete loss of their investment, including as a result of any restructuring, recapitalization, or dilutive issuance of equity or equity-linked securities; the Company's ability to maintain compliance with the continued listing requirements of, and the continued listing of its common stock on, the Nasdaq Stock Market; the diversion of management's attention from ordinary-course operations as a result of the strategic review and the Company's liquidity and capital-structure matters; general economic conditions in the markets in which the Company operates, including but not limited to fluctuations in gas prices, grocery prices and employment levels, inflationary pressure on operating costs and customers’ ability to make vehicle payments; the availability of quality used vehicles at prices that will be affordable to the Company’s customers, including the impacts of changes in new vehicle production and sales, tariffs and trade restrictions on the automotive industry, and elevated wholesale vehicle costs; the availability of and access to capital through warehouse credit facilities, securitization financings or other debt or equity financing sources on terms acceptable to the Company, and any increase in the cost of capital, to support the Company’s business; the Company’s ability to consummate debt or equity financing transactions on terms acceptable to the Company; the Company’s compliance with financial covenants and other terms of its senior secured term loan, non-recourse notes payable, and any future debt facilities; the Company’s ability to underwrite and collect its contracts effectively, including whether anticipated benefits from the Company’s recently implemented loan origination system are achieved as expected or at all; competition; dependence on existing management; ability to attract, develop, and retain qualified general managers; changes in consumer finance laws or regulations, including but not limited to rules and regulations that have recently been enacted or could be enacted by federal and state governments; future shutdowns of the federal government or changes to federal or state government assistance programs impacting the Company’s customers; the ability to keep pace with technological advances and changes in consumer behavior affecting our business; security breaches, cyber-attacks, or fraudulent activity; the occurrence and impact of any adverse weather events or other natural disasters affecting the Company’s dealerships or customers; the Company's ability to maintain effective internal control over financial reporting following the remediation of its previously identified material weakness, and to design, implement, and maintain effective disclosure controls and procedures; the potential dilutive impact of outstanding warrants to purchase the Company's common stock, if exercised, and of any other future issuances of the Company's equity securities; and potential business and economic disruptions and uncertainty that may result from any future public health crises and any efforts to mitigate the financial impact and health risks associated with such developments. Additionally, risks and uncertainties that may affect future results include those described from time to time in the Company’s SEC filings. The Company undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the dates on which they are made. Marie PersichettiChief Financial Officer(479) [email protected] SM Berger & CompanyAndrew Berger, Managing Director(216) [email protected] Media ContactRachel Chesley / Misha [email protected]

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Performance was primarily dictated by capital structure constraints rather than customer demand, leading to an intentional 27.1% reduction in unit originations to protect liquidity. Management accelerated a three-phase footprint optimization strategy, consolidating 60 locations to reduce the active store count from 154 to 94, focusing resources on higher-performing markets. The increase in the net charge-off ratio was attributed to a smaller receivables base (denominator effect) and external pressures like high fuel costs, rather than a decline in underwriting quality. Strategic shifts included standing up a centralized collections team for the first time to service approximately 8% of receivables where physical store proximity was no longer practical. Management emphasized that the 'going concern' disclosure in the 10-K is a direct result of the pending status of additional financing or recapitalization, not a reflection of customer repayment behavior. The company maintained a focus on protecting the infrastructure that services the existing portfolio, as collections remain the primary source of operating cash flow while originations are constrained. The Special Committee of the Board is evaluating a full range of strategic and financing alternatives, including a warehouse facility or recapitalization, to resolve the current liquidity gap. A June credit agreement amendment provides temporary covenant relief with a path to permanent relief contingent on meeting specific milestones within a defined window. Management expects a significant portion of residual collateral from securitization trusts to release back to the company over the next 15 months as notes amortize and are called. Future profitability and volume recovery are expected to benefit from a more productive network, with remaining stores historically producing 30% higher units per store than the fiscal 2025 average. The company will continue to operate under a lean cost structure while pursuing a long-term capital solution to bridge the gap between durable customer demand and current origination capacity. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. Recognized $6.4 million in non-cash impairment charges during the quarter and $11 million for the full year related to the 60 closed dealership locations. Incurred $4 million in restructuring charges tied to the ongoing strategic review, which were included in SG&A expenses. Established a non-cash deferred tax asset valuation allowance at Colonial Auto Finance, resulting in a -28.8% full-year effective tax rate but no impact on cash tax positions. Net debt to finance receivables reached 41.8%, the lowest level in three years, reflecting the contraction of the book and debt reduction of $61.5 million year-over-year.

ROGERS, Ark., July 14, 2026 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the fourth quarter and full year ended April 30, 2026. Full Year Key Results (FY’26 vs. FY’25, unless otherwise noted) Total revenue of $1,281.5 million, down 7.9%; interest income increased 3.7% to $253.7 million Sales volumes declined 14.3% to 48,891 units, reflecting reductions in both the active dealership base and inventory purchases, partially offset by a 3.4% increase in the average retail sales price Gross profit per unit improved 1.0% to $7,442; gross margin percentage of 35.4% vs. 36.7% Total collections of $730.0 million, up 2.2% year-over-year Net charge-offs as a percentage of average finance receivables were 27.6% vs. 25.9% SG&A of $208.1 million; includes $4.0 million in non-recurring restructuring-related charges; adjusted SG&A[¹] of $204.1 million, or 19.9% of sales Non-cash impairment of $11.0 million related to the dealership consolidations, reported on a separate line from SG&A Loss per share of $16.79 and adjusted loss per share[1] of $3.71[1] Calculation of this non-GAAP financial measure and a reconciliation to the most directly comparable GAAP measure are included in the tables accompanying this release. President and CEO Doug Campbell commentary: Our fourth quarter results reflect the actions we took to preserve liquidity, reduce risk, and operate within our capital structure — and you can see that in our financial performance. The year did not meet our expectations, but this is a liquidity and capital-structure story, not a credit-quality one. On credit, our charge-off ratio ticked up to 7.5% in the fourth quarter, from 6.9% a year ago. Part of that is simply a smaller book — with fewer new loans, our finance receivables are about 6.4% smaller than a year ago, and a smaller balance raises the percentage. The rest reflects our customers paying more at the pump for much of the year, along with some disruption from our dealership consolidations — and we're watching both closely. Underlying credit behavior has been relatively stable, even against those pressures. With respect to our dealership consolidations, the customer accounts from our closed stores moved to stronger nearby locations, or to a centralized collections team we built for the first time earlier this year — a way to serve accounts where the nearest store was no longer a practical fit. That was the right call for the business. It was also a hard one for the associates affected, and I don't want that to get lost in the numbers. We've worked to handle it the right way, with severance pay and assistance in helping those associates find their next role. On June 19, 2026, we amended our credit agreement with our senior secured term loan lenders. The amendment gives us covenant relief and a defined window to complete our previously disclosed review of strategic and financing alternatives. It also sets specific milestones we are required to satisfy and meeting them is central to the path forward. You'll also see a going-concern disclosure in our Form 10-K. It's because we have not yet secured the additional financing or alternative transaction needed to resolve our liquidity constraint. An independent review is underway to assess a wide range of alternatives to get this right for the people who depend on us: our creditors, shareholders, customers, vendors, and associates. To our customers: our job every day is still to keep you on the road, and that continues without interruption. To our vendors and associates: I know there are a lot of questions right now, and I'm not going to pretend otherwise. It takes what it takes to work through this the right way, and that's where our focus is. To our shareholders: I know this has been a difficult and uncertain period, and you have every right to expect us to work through it with urgency and discipline. That is exactly what this team and this Board are doing. Thank you for staying with us through a hard year. We do not take it for granted. Dollars in thousands, except per share data. Dollar and percentage changes may not recalculate due to rounding. Charts may not be to scale. Note: Discussions in each section provide information for the fourth quarter of fiscal year 2026, compared to the fourth quarter of fiscal year 2025, unless otherwise noted. SALES VOLUME – Retail units sold decreased 27.1% to 11,411 units when compared to the prior year's quarter. These results were driven primarily by lower inventory levels — the result of the reduced availability of origination capital and reduced inventory purchases to preserve capital — and, to a lesser extent, the earlier store consolidations completed in the third quarter. Sales volumes during the quarter are not indicative of underlying consumer demand. Lead indicators for demand remained robust throughout the quarter. TOTAL REVENUE – Total revenue for the quarter was $302.8 million, a decrease of 18.2% year-over-year. The decline was driven by lower retail unit volume — consistent with the reduction in inventory purchases and the earlier store consolidations discussed above — partially offset by a 5.7% increase in the average retail sales price to $20,138. Interest income was largely stable, decreasing 0.5% to $60.2 million. GROSS PROFIT – Gross profit margin as a percentage of sales was 31.2%, compared to 36.4% in the prior year quarter. Total gross profit per retail unit sold decreased by 8.1% to $6,627. Most of the decline reflected lower origination volume, which reduced the share of higher-margin retail sales relative to wholesale volume, as well as fixed charges within cost of sales that do not scale down with lower sales volume. SG&A EXPENSE – SG&A expenses totaled $47.6 million for the quarter, or 19.6% of sales, compared to $48.3 million and 15.6% of sales in the prior year quarter. The current quarter included approximately $4.0 million in non-recurring restructuring charges related primarily to our capital structure strategic review. Excluding these items, adjusted SG&A (non-GAAP¹) was $43.6 million, or 18.0% of sales. The Company continued to make progress on its footprint optimization initiative. During the quarter, the Company consolidated 42 dealership locations into nearby, higher-performing dealerships, and consolidated some customer accounts into a centralized collections team. Including the Company's Q3 reductions in footprint, this reduced the Company's active dealership count from 154 at April 30, 2025 to 94 at April 30, 2026. The Company remains committed to adjusting its SG&A to match anticipated sales volumes. IMPAIRMENT – The Company recognized $6.4 million of non-cash impairment during the quarter and $11.0 million for the full year, related to long-lived assets at the dealership locations consolidated during fiscal 2026. These charges are reported on a separate line from SG&A and have no impact on cash flow or liquidity. CREDIT AND UNDERWRITING PERFORMANCE – Net charge-offs as a percentage of average finance receivables were 7.5%, compared to 6.9% in the prior year quarter. The increase in the ratio partly reflects the contraction in the receivables base — the principal balance of finance receivables declined 6.4% compared to the prior year quarter as management moderated originations due to liquidity constraints. Adjusting for that smaller base, net charge-offs would have been lower, with only a modest increase related to continued fuel and cost-of-living pressure on the Company’s customers, and not to any change in underwriting standards. Total collections were $185.7 million, down 2.8% from the prior year quarter, reflecting the smaller receivables base; average collected per active customer per month improved to $617 from $612, aided by the Company's Pay Your Way digital payment platform, through which approximately 64% of payment transactions are now processed remotely. Accounts over 30 days past due were 4.1% at year-end, up from 3.4% a year ago but down sequentially from 4.4% at January 31, 2026. The sequential improvement is notable, as the fourth quarter absorbed additional store closures that would ordinarily push delinquencies higher, while the January 31 reading was itself elevated by Winter Storm Fern and the third-quarter store closures. The year-end measure was further affected by the timing of the April closures — when accounts were being moved to nearby stores and to the centralized collections team — and by the smaller receivables base against which delinquency is calculated. Car-Mart's disciplined underwriting approach continues to strengthen its receivables portfolio, with the highest credit-tier customers now representing 66.6% of accounts receivable, up from 64.6% in the prior year quarter. ALLOWANCE FOR CREDIT LOSSES – The allowance for credit losses was $329.9 million at April 30, 2026, or 25.15% of finance receivables, net of deferred revenue and pending accident protection plan claims, compared to 23.25% at April 30, 2025 and 25.53% at January 31, 2026. The year-over-year increase primarily reflects the broader macroeconomic environment, rather than a change in underlying credit behavior, and the reduction in finance receivable originations undertaken to preserve liquidity. These effects were partially offset by portfolio mix shifts, including the growing share of receivables originated under our loan origination system (LOS) and those added through dealership locations acquired during fiscal year 2025. The modest sequential decline from January 31 reflects the contraction in the receivables base and stable underlying credit trends. Management considers the allowance adequate to reflect the risk profile of the portfolio at April 30, 2026. LEVERAGE & LIQUIDITY – Total debt declined to $722.4 million, a reduction of $54.4 million, or 7.0%, from $776.8 million at April 30, 2025. Total debt, net of cash (non-GAAP1), declined to $590.7 million, a reduction of $61.5 million, or 9.4%, from $652.2 million at April 30, 2025. Debt to finance receivables was 51.1% at April 30, 2026, compared to 51.5% at April 30, 2025. Net debt to finance receivables (non-GAAP1) was 41.8% at April 30, 2026, the lowest level in three years — since April 30, 2023. Total cash, including restricted cash, increased to $131.6 million at April 30, 2026, compared to $124.5 million at April 30, 2025. Unrestricted cash, which is available to fund operations and capital needs, was $47.0 million at April 30, 2026, up from $9.8 million a year earlier under the Company’s prior asset-based facility. Absent a revolving credit facility, preserving unrestricted liquidity remains a primary focus. The Company has taken deliberate steps to align its cost structure with available capital, including the store footprint rationalization discussed earlier. Total debt decreased to $722.4 million from $776.8 million at April 30, 2025, and total debt, net of total cash, (non-GAAP¹) decreased to $590.7 million from $652.2 million at April 30, 2025. CAPITAL STRUCTURE – On June 19, 2026, we entered into an amendment to our Credit and Guaranty Agreement with our lending group, which provides covenant relief and a defined runway that will give the Company – with the guidance of the Special Committee – time to evaluate a full range of financing and strategic options available. As of the June 30, 2026 testing date under the amendment, the Company was in compliance with all applicable covenants, and it remains in compliance as of the date of this release. We view the amendment as a constructive step in improving our capital structure, reflecting our lenders’ continued engagement while also giving us the time to fully review the strategic alternatives available. The Company remains focused on the interests of its lenders, shareholders, associates, customers, and vendors as it evaluates the alternatives available. The Company’s work ahead is focused on translating asset value into a sustainable funding restructure, either through a warehouse facility, a recapitalization, or another financing transaction, and the amendment gives the Company the time to pursue that in an orderly and thoughtful manner. Securing an additional readily available financing source, such as a revolving warehouse facility or other potential debt facility, remains the critical next step in restoring origination capacity and would provide bridge financing between origination and securitization that allows the Company to fully serve customer demand and restore sales volume. The Company cannot assure, however, that it will be able to secure any such financing on acceptable terms, or at all, or that the review of strategic and financing alternatives will result in any transaction or other outcome favorable to the Company or its stockholders. GOING CONCERN – In accordance with ASC 205-40, the Company's substantial indebtedness, its liquidity position, and the uncertainties associated with satisfying the milestones under the amendment to its Credit and Guaranty Agreement and securing additional financing raise substantial doubt about its ability to continue as a going concern within one year after the consolidated financial statements are issued. Management's plans to address these conditions have not been fully implemented and do not alleviate that doubt. The financial statements have been prepared on a going-concern basis and include no related adjustments. See Note B (Liquidity and Going Concern) in the Company's Form 10-K. INTEREST EXPENSE – Interest expense for the quarter was $20.0 million, an increase of $2.6 million, or 15.1%, compared to $17.4 million in the prior year quarter. The increase reflects the full-quarter impact of the $300 million term loan closed in October 2025 and the December 2025 asset-backed securitization (ABS) transaction. Subject to the attainment of additional financing to support the Company’s operations, the Company's transition to residual ABS structures and continued capital structure refinements are expected to improve the Company’s cost of funds over time. INCOME TAXES – In fiscal 2026, the Company recorded an income tax provision of $31.1 million for the full year, an effective rate of (28.8)%, despite a pre-tax loss for the year. The provision was driven principally by the non-cash valuation allowance established in the third quarter against the deferred tax asset associated with net operating losses at Colonial Auto Finance. 1The calculation of this non-GAAP financial measure and a reconciliation to the most directly comparable GAAP measure are included in the tables accompanying this release. The Company will hold a conference call to discuss its quarterly results on Tuesday, July 14, 2026, at 9:00 a.m. ET. Participants may access the conference call via webcast using this link: Webcast Link. To participate via telephone, please register in advance using this Registration Link. Upon registration, all telephone participants will receive a one-time confirmation email detailing how to join the conference call, including the dial-in number along with a unique PIN that can be used to access the call. All participants are encouraged to dial in 10 minutes prior to the start time. A replay and transcript of the conference call and webcast and related supplemental information will be available on-demand via the Company’s investor relations webpage at ir.car-mart.com for 12 months from July 14, 2026. America’s Car-Mart, Inc. (the “Company”) operates automotive dealerships in 12 states and is one of the largest publicly held automotive retailers in the United States focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at www.car-mart.com. This news release contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). Specifically, we present as non-GAAP financial measures in this news release adjusted SG&A as a percentage of sales; adjusted earnings (loss) per share; total debt, net of total cash; and the ratio of debt, net of cash, to finance receivables. These non-GAAP measures are provided as supplemental measures to evaluate operating performance, cost structure, and leverage, and portfolio economics and to facilitate period-to-period comparisons that may be impacted by non-recurring or non-cash items. We believe investors benefit from referring to these non-GAAP measures and ratios in assessing our leverage, balance sheet risk, operating results and related trends, and when planning and forecasting future periods. These measures should not be considered in isolation or as substitutes for reported GAAP results, as they may include or exclude certain items relative to similar GAAP-based measures and may not be comparable to similarly titled measures reported by other companies. We strongly encourage investors to review our consolidated financial statements included in our publicly filed reports in their entirety and not rely solely on any one financial measure or communication. The most directly comparable GAAP financial measures, as well as reconciliations to those measures, are presented in the tables accompanying this release. This news release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements address the Company’s future events, objectives, plans and goals, as well as the Company’s intent, beliefs and current expectations and projections regarding future financial and operating performance and can generally be identified by words such as “may,” “will,” “should,” “could,” “expect,” “anticipate,” “intend,” “plan,” “project,” “foresee,” and other similar words or phrases. Specific events addressed by these forward-looking statements may include, but are not limited to: the Company's ability to continue as a going concern; the Company's review of strategic and financing alternatives and the potential outcomes of that review; the covenant relief and waivers under, and the Company's ability to satisfy the milestones and other conditions of, the June 19, 2026 amendment to the Company’s Credit and Guaranty Agreement; the Company's liquidity and its efforts to preserve liquidity, including the curtailment of inventory purchases and finance receivable originations; future earnings performance; the availability of capital, including through income from operations and securing additional financing to sustain and supplement operating cash flows through additional securitization transactions, warehouse credit facilities, or other sources, and the Company's ability to consummate such financing transactions; the benefits of recent or future changes to the Company’s capital structure; operational infrastructure investments; technological investments and initiatives; the impact of cost reduction and dealership footprint optimization initiatives on operating performance and customer service levels; the Company's ability to execute its business plan; and the Company’s business, operating and growth strategies and expectations. These forward-looking statements are based on the Company’s current estimates and assumptions and involve various risks and uncertainties. As a result, you are cautioned that these forward-looking statements are not guarantees of future performance, and that actual results and events could differ materially from those projected in these forward-looking statements. Factors that may cause actual results or events to differ materially from the Company’s projections include, but are not limited to: the existence of substantial doubt about the Company's ability to continue as a going concern, and the effects of that disclosure on the Company's relationships with customers, associates, suppliers, lenders and other stakeholders; the Company's ability to satisfy the milestones and other conditions of the June 19, 2026 amendment to its Credit and Guaranty Agreement, to extend the related covenant relief and waiver period, and to obtain further waivers, covenant relief, forbearance or financing from its lenders on acceptable terms, or at all; the outcome of the Company's review of strategic and financing alternatives, including the risk that the review does not result in any transaction, results in a transaction on unfavorable terms, or is not completed in a timely manner, and the costs, timing and uncertainties associated with the review and related advisory engagements; the Company's substantial level of indebtedness and its ability to service that indebtedness, and the risk that its indebtedness could be accelerated (including under cross-default or cross-acceleration provisions) and that the Company would not have sufficient liquidity to repay it; the Company's ability to fund finance receivable originations, vehicle inventory purchases, debt service and operating expenses, including its ability to establish a warehouse credit facility and to continue to complete asset-backed securitization transactions; the curtailment of the Company's vehicle inventory purchases and finance receivable originations and the effect of that curtailment on the Company's sales, revenues and collections; the Company's changes to customer collection practices, including the transition to a centralized collections model and the transfer of customer accounts to dealerships located farther from customers' prior collection locations and the effect of the change on collections, revenues, and customer relationships; the potential need for the Company to seek protection under applicable bankruptcy or insolvency laws; the possibility that holders of the Company's common stock could experience a significant or complete loss of their investment, including as a result of any restructuring, recapitalization, or dilutive issuance of equity or equity-linked securities; the Company's ability to maintain compliance with the continued listing requirements of, and the continued listing of its common stock on, the Nasdaq Stock Market; the diversion of management's attention from ordinary-course operations as a result of the strategic review and the Company's liquidity and capital-structure matters; general economic conditions in the markets in which the Company operates, including but not limited to fluctuations in gas prices, grocery prices and employment levels and inflationary pressure on operating costs; the availability of quality used vehicles at prices that will be affordable to the Company’s customers, including the impacts of changes in new vehicle production and sales; the availability of and access to capital through warehouse credit facilities, securitization financings or other debt or equity financing on terms acceptable to the Company, and any increase in the cost of capital, to support the Company’s business; the Company’s ability to consummate debt or equity financing transactions on terms acceptable to the Company; the Company’s compliance with financial covenants and other terms of its senior secured term loan, non-recourse notes payable, and any future debt facilities; the Company’s ability to underwrite and collect its contracts effectively, including whether anticipated benefits from the Company’s recently implemented loan origination system are achieved as expected or at all; competition; dependence on existing management; ability to attract, develop, and retain qualified general managers; changes in consumer finance laws or regulations, including but not limited to rules and regulations that have recently been enacted or could be enacted by federal and state governments; future shutdowns of the federal government or changes to federal or state government assistance programs impacting the Company’s customers; the ability to keep pace with technological advances and changes in consumer behavior affecting our business; security breaches, cyber-attacks, or fraudulent activity; the ability to identify and obtain favorable locations for new or relocated dealerships at reasonable cost; the ability to successfully transition customers and inventory from underperforming dealerships to nearby more productive dealerships as part of the Company’s footprint optimization strategy; the ability to successfully identify, complete and integrate new acquisitions; the occurrence and impact of any adverse weather events or other natural disasters affecting the Company’s dealerships or customers; the Company's ability to maintain effective internal control over financial reporting following the remediation of its previously identified material weakness, and to design, implement, and maintain effective disclosure controls and procedures; the potential dilutive impact of outstanding warrants to purchase the Company's common stock, if exercised, and of any other future issuances of the Company's equity securities; and potential business and economic disruptions and uncertainty that may result from any future public health crises and any efforts to mitigate the financial impact and health risks associated with such developments. Additionally, risks and uncertainties that may affect future results include those described from time to time in the Company’s SEC filings. The Company undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the dates on which they are made. Jonathan CollinsChief Financial Officer(479) [email protected] SM Berger & CompanyAndrew Berger, Managing [email protected] (216) 464-6400 Media ContactRachel Chesley / Misha [email protected] An infographic accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/3b6126a8-73d1-4d31-b313-55bae12bee31

This article first appeared on GuruFocus. Release Date: July 14, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. America's Car-Mart Inc (NASDAQ:CRMT) successfully optimized its dealership footprint, consolidating select locations into higher-performing stores, resulting in a more productive network. The company improved its collections performance, with full-year collections growing 2.2% to $730 million, despite a smaller footprint. America's Car-Mart Inc (NASDAQ:CRMT) maintained a strong focus on protecting liquidity and portfolio quality, implementing tighter underwriting standards and cost control strategies. The company introduced a centralized servicing model for accounts from closed stores, enhancing customer service capabilities without the need for a physical location. Despite challenges, America's Car-Mart Inc (NASDAQ:CRMT) managed to improve the quality of its customer base, with higher-tier customers now representing a larger share of accounts receivable. Unit sales declined significantly by 27.1% to 11,411 units, and revenue decreased by 18.2% year-over-year to $302.8 million. The gross profit margin compressed to 31.2% from 36.4% a year ago, primarily due to lower sales volume and a mix shift towards lower-margin wholesale sales. The company's charge-off ratio increased, partly due to a smaller receivables base and higher fuel costs impacting customers. America's Car-Mart Inc (NASDAQ:CRMT) faced liquidity constraints, with limited origination capital and no revolving warehouse facility, affecting its ability to originate loans. The company reported a GAAP loss per share of $3.56 for the quarter, with adjusted earnings per share at a profit of $0.48, highlighting financial challenges. Warning! GuruFocus has detected 9 Warning Signs with CRMT. Is CRMT fairly valued? Test your thesis with our free DCF calculator. Q: Can you provide an overview of the strategic decisions made during fiscal year 2026? A: Douglas Campbell, President and CEO, explained that fiscal year 2026 was a transitional year focused on strengthening liquidity and capital structure. The company reduced originations, lowered inventory levels, and tightened underwriting. They also optimized their dealership footprint by consolidating select locations into higher-performing stores, reducing the active store count from 154 to 94. This was done to protect liquidity and improve operational efficiency. Q: How did the changes in the dealership footprint affect the company's performance? A: Jamie Fischer, COO, stated that unit sales were down 27.1% to 11,411 units, and revenue decreased by 18.2% year-over-year to $302.8 million. The gross profit margin was compressed to 31.2% from 36.4% a year ago, primarily due to volume and mix changes. However, the remaining stores are more productive, with a 30% higher historical units per store basis compared to fiscal year 2025. Q: What measures have been taken to address the liquidity constraints? A: Douglas Campbell highlighted that the company entered into an amendment to their credit and guarantee agreement, providing temporary covenant relief and a path to permanent relief if specific milestones are met. The strategic review process, led by a special committee of the Board, is ongoing to identify the best path forward to resolve liquidity constraints. Q: How has the company's credit performance been affected by the current environment? A: Jonathan Collins, CFO, noted that the net charge-off ratio increased to 7.5% from 6.9% in the prior year quarter, partly due to a smaller receivables base. However, the highest credit tier customers now represent 66.6% of accounts receivable, up from 64.6% a year ago, indicating an improvement in receivables mix despite declining origination volumes. Q: What are the future priorities for America's Car-Mart? A: Marie Persichetti, incoming CFO, emphasized that the immediate priority is supporting the strategic review process and meeting the milestones under the credit agreement amendment. The company aims to secure the necessary capital to support its mission of providing reliable transportation and affordable financing to its customers. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how vehicle retailer stocks fared in Q4, starting with America's Car-Mart (NASDAQ:CRMT). Buying a vehicle is a big decision and usually the second-largest purchase behind a home for many people, so retailers that sell new and used cars try to offer selection, convenience, and customer service to shoppers. While there is online competition, especially for research and discovery, the vehicle sales market is still very fragmented and localized given the magnitude of the purchase and the logistical costs associated with moving cars over long distances. At the end of the day, a large swath of the population relies on cars to get from point A to point B, and vehicle sellers are acutely aware of this need. The 6 vehicle retailer stocks we track reported a slower Q4. As a group, revenues missed analysts’ consensus estimates by 1.8%. Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 16.7% since the latest earnings results. With a strong presence in the Southern and Central US, America’s Car-Mart (NASDAQ:CRMT) sells used cars to budget-conscious consumers. America's Car-Mart reported revenues of $285.3 million, down 12% year on year. This print fell short of analysts’ expectations by 13.4%. Overall, it was a disappointing quarter for the company with a significant miss of analysts’ revenue and EBITDA estimates. America's Car-Mart delivered the weakest performance against analyst estimates and slowest revenue growth of the whole group. Unsurprisingly, the stock is down 34.4% since reporting and currently trades at $12.49. Read our full report on America's Car-Mart here, it’s free. Known for its transparent, customer-centric approach and wide selection of vehicles, Carmax (NYSE:KMX) is the largest automotive retailer in the United States. CarMax reported revenues of $5.79 billion, down 6.9% year on year, outperforming analysts’ expectations by 3.3%. The business had a stunning quarter with a beat of analysts’ EPS and EBITDA estimates. CarMax pulled off the biggest analyst estimates beat among its peers. The market seems happy with the results as the stock is up 7.1% since reporting. It currently trades at $43.99. Is now the time to buy CarMax? Access our full analysis of the earnings results here, it’s free. With a vast network of over 300 locations strategically concentrated in America's Sunbelt region, AutoNation (NYSE:AN) operates one of America's largest networks of automotive dealerships, selling new and used vehicles, parts, and services across multiple brands. AutoNation reported revenues of $6.93 billion, down 3.9% year on year, falling short of analysts’ expectations by 3.6%. It was a softer quarter as it posted a significant miss of analysts’ EBITDA and revenue estimates. As expected, the stock is down 4.7% since the results and currently trades at $194.48. Read our full analysis of AutoNation’s results here. Founded in 1966 as a single recreational vehicle (RV) dealership, Camping World (NYSE:CWH) still sells RVs along with boats and general merchandise for outdoor activities. Camping World reported revenues of $1.17 billion, down 2.6% year on year. This number surpassed analysts’ expectations by 1.2%. Taking a step back, it was a mixed quarter as it also logged a solid beat of analysts’ EBITDA estimates but a significant miss of analysts’ gross margin estimates. The stock is down 38.8% since reporting and currently trades at $6.65. Read our full, actionable report on Camping World here, it’s free. With a strong presence in the Western US, Lithia Motors (NYSE:LAD) sells a wide range of vehicles, including new and used cars, trucks, SUVs, and luxury vehicles from various manufacturers. Lithia reported revenues of $9.20 billion, flat year on year. This result lagged analysts' expectations by 0.6%. More broadly, it was a mixed quarter as it also recorded an impressive beat of analysts’ EBITDA estimates but a significant miss of analysts’ EPS estimates. The stock is down 19.9% since reporting and currently trades at $261.71. Read our full, actionable report on Lithia here, it’s free. Late in 2025 into early 2026, there was hand wringing around artificial intelligence. For software companies, the fear was that AI would erode pricing power and compress margins as new tools made it easier to replicate what once required expensive enterprise platforms. Crypto investors had their own version of the same anxiety: if AI agents could trade, allocate capital, and manage wallets autonomously, what exactly was the long-term value of today’s crypto infrastructure? These concerns triggered a noticeable rotation away from these sectors and into safer havens. But markets rarely dwell on one narrative for long. Spring 2026 came, and the focus shifted abruptly from technological disruption to geopolitical risk. The US’ conflict with Iran became the dominant driver of market psychology, and when geopolitics takes center stage, the script changes quickly. Investors stop debating growth rates and start worrying about oil supply, inflation, and global stability. Want to invest in winners with rock-solid fundamentals? Check out our Hidden Gem Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate. StockStory’s analyst team — all seasoned professional investors — uses quantitative analysis and automation to deliver market-beating insights faster and with higher quality.

America’s Car-Mart faced a challenging fourth quarter, with performance falling well short of Wall Street expectations and the stock reacting sharply. Management identified capital structure constraints as the primary driver behind the significant decline in retail sales volumes, noting that the inability to purchase inventory at typical levels limited the company’s ability to meet customer demand. CEO Doug Campbell was candid in his assessment, stating, “This was not a demand story. It was a capital structure story.” The period was further disrupted by Winter Storm Fern, which caused widespread dealership closures and added to operational difficulties. Is now the time to buy CRMT? Find out in our full research report (it’s free). Revenue: $285.3 million vs analyst estimates of $329.3 million (12% year-on-year decline, 13.4% miss) Adjusted EPS: -$1.53 vs analyst estimates of -$0.26 (significant miss) Adjusted EBITDA: -$11.22 million vs analyst estimates of $18.04 million (-3.9% margin, significant miss) Operating Margin: -4.3%, down from 6.6% in the same quarter last year Locations: 149 at quarter end, down from 154 in the same quarter last year Same-Store Sales fell 13.4% year on year (3.1% in the same quarter last year) Market Capitalization: $93.9 million While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention. John Hecht (Jefferies) sought specifics on the warehouse facility timeline. CEO Doug Campbell explained that negotiations involve multiple stakeholders and remain unpredictable due to the complex credit environment, stating, "It is difficult to predict timing... it takes what it takes." John Hecht (Jefferies) also asked about the impact of larger tax refunds on collections. Campbell noted that higher refunds were helping improve down payments and timely payments during tax season, with the company seeing "a high rate of collections." Kyle Joseph (Jefferies) requested a breakdown of the 22% unit sales decline. Campbell identified inventory shortages as the main factor, followed by weather disruptions and reduced store count, and emphasized that more inventory would have led to more sales. Kyle Joseph (Jefferies) inquired about delinquencies and the effect of Winter Storm Fern. CFO Jonathan Collins reported that delinquencies spiked temporarily but normalized by mid-February, and charge-offs did not increase unusually after the storm. Vincent Caintic (BTIG) asked about inventory rebuilding and funding alternatives. Campbell said inventory was recovering in early 2026 but sustaining this depended on new financing, and noted that successful asset-backed securities issuances were part of a broader capital markets strategy. In the coming quarters, the StockStory team will be watching (1) whether America’s Car-Mart can secure a revolving warehouse facility to support inventory growth, (2) the pace of sales and inventory recovery as tax season progresses, and (3) the effectiveness of ongoing cost controls and store consolidation efforts. The impact of macroeconomic conditions on subprime auto lending and consumer payment behavior will also be closely monitored. America's Car-Mart currently trades at $11.50, down from $19.05 just before the earnings. In the wake of this quarter, is it a buy or sell? See for yourself in our full research report (it’s free for active Edge members). ALSO WORTH WATCHING: Top 5 Momentum Stocks. The best time to own a great stock is when the market is finally noticing it. These aren't just high-quality businesses. Something is happening with them right now. Elite fundamentals meeting near-term momentum — both boxes checked at the same time. Find out which stocks our AI platform is flagging this week. See this week's Strong Momentum stocks — FREE. Get Our Strong Momentum Stocks for Free HERE. Stocks that have made our list include now familiar names such as Nvidia (+1,326% between June 2020 and June 2025) as well as under-the-radar businesses like the once-small-cap company Comfort Systems (+782% five-year return). Find your next big winner with StockStory today.