AMERICAS CARMART INC

America’s Car-Mart, Inc. operates in the integrated automotive sales and finance segment of the used car industry. The company retails older model used vehicles—primarily sedans, trucks, and sport utility vehicles—and provides financing directly to substantially all of its vehicle buyers. In addition to vehicle sales and financing, it offers ancillary products such as vehicle service contracts for repairs and accident protection plans that cancel remaining loan balances in total-loss or theft events. Its customer base consists largely of consumers with limited financial resources or past credit difficulties who typically do not qualify for conventional automotive financing.

The company conducts its operations through 94 dealership locations situated primarily in smaller cities and communities across twelve states in the South-Central United States, including Arkansas, Oklahoma, Missouri, Texas, Alabama, Kentucky, Tennessee, Mississippi, Georgia, Illinois, Indiana, and Iowa. America’s Car-Mart maintains its corporate headquarters in Rogers, Arkansas, which provides centralized management, oversight, and operational support.

Summary of the business section of Americas Carmart's latest annual report, written by StockData.

“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.

“Depending on the number of active customer accounts, a dealership may have as few as four or as many as thirty-eight full-time associates employed at that location.”