CRMT · CIK 799850
What America's Car-Mart, Inc. told the SEC could break it.
2 self-disclosed vulnerabilities, pulled from its own filings, each in the company’s words, with the source. This is the risk register almost nobody reads.
A limited set so far, we surface every cited disclosure we’ve extracted for CRMT. More may follow as additional filings are processed.
In its own words
What could break it.
Geographic concentration
- Sales concentrated in 10 Southern/Midwestern states, ~28% Arkansasmedium
Substantially all sales are to customers in 10 states, with ~28% of revenue from Arkansas, so a regional economic downturn or drop in consumer spending in these markets would materially hurt results.
“These sales are made primarily to customers residing in Alabama, Arkansas, Georgia, Illinois, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee and Texas with approximately 28 % of revenues resulting from sales to Arkansas customers.”
SEC filing →As of 2025
Regulatory & policy
- Tariffs and trade policy affecting used-vehicle purchase costs and demandmedium
New tariffs, trade wars or restrictions could raise the purchase price of the used vehicles Car-Mart acquires and affect demand, pressuring margins for a buy-here-pay-here dealer that must keep prices affordable for non-prime customers.
“Tariffs or the imposition of new tariffs, trade wars, barriers or restrictions, or threats of such actions could also affect the demand and resulting purchase price of vehicles.”
In the MyPRIA app, this is checked against the companies you actually own.
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