{"filing":{"accession_number":"0001171843-26-005989","cik":"0000799850","ticker":"CRMT","company_name":"AMERICAS CARMART INC","form":"8-K","filing_date":"2026-09-11","report_date":"2026-09-10","primary_document":"f8k_091026.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/799850/000117184326005989/f8k_091026.htm"},"events":[{"id":32802,"run_id":30157,"accession_number":"0001171843-26-005989","anchor_item_number":"1.01","event_type":"covenant_breach","event_domain":"financial","is_material":true,"confidence":0.9,"summary":"Americas CarMart disclosed that it has experienced or anticipates experiencing events of default under its Credit Agreement, including failure to comply with certain financial covenants and reporting obligations. The lenders agreed to waive these defaults through September 18, 2026, but the company faces material financial stress and risks including potential inability to extend the waiver period and possible need to seek bankruptcy protection.","company_name":"AMERICAS CARMART INC","ticker":"CRMT","filing_date":"2026-09-11","form":"8-K","submitted_at":null,"items":[{"id":36066,"accession_number":"0001171843-26-005989","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"covenant_breach","event_domain":"financial","is_material":true,"confidence":0.92,"reasoning":"The filing discloses a First Amendment and Limited Waiver to the Credit Agreement in which lenders agreed to waive \"certain anticipated or existing events of default\" under the Credit Agreement, with multiple extensions of the waiver period (through September 18, 2026). This is a classic covenant breach scenario: the company faced default events, required lender waivers to avoid acceleration, and needed successive extensions—all hallmarks of financial stress and a triggering event that could accelerate debt obligations.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-09-11T11:01:43.432812+00:00","company_name":"","ticker":null,"filing_date":""},{"id":36067,"accession_number":"0001171843-26-005989","item_number":"8.01","item_title":"Other Events.","event_type":"covenant_breach","event_domain":"financial","is_material":true,"confidence":0.85,"reasoning":"The filing discloses that the Company \"has experienced, or anticipates experiencing, events of default under the Credit Agreement, including the failure or expected failure to comply with certain financial covenants and reporting obligations.\" Although the Lenders have waived these defaults for a specified period, the disclosure of covenant breaches and the Company's need for waivers signals material financial stress. The forward-looking statements further emphasize risks including \"the Company's ability to extend the waiver and relief period\" and \"the potential need to seek protection under applicable bankruptcy or insolvency laws,\" indicating this is a material triggering event affecting the Company's financial obligations and going-concern status.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-09-11T11:01:43.432812+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":36066,"accession_number":"0001171843-26-005989","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"covenant_breach","event_domain":"financial","is_material":true,"confidence":0.92,"reasoning":"The filing discloses a First Amendment and Limited Waiver to the Credit Agreement in which lenders agreed to waive \"certain anticipated or existing events of default\" under the Credit Agreement, with multiple extensions of the waiver period (through September 18, 2026). This is a classic covenant breach scenario: the company faced default events, required lender waivers to avoid acceleration, and needed successive extensions—all hallmarks of financial stress and a triggering event that could accelerate debt obligations.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-09-11T11:01:43.432812+00:00","company_name":"AMERICAS CARMART INC","ticker":"CRMT","filing_date":"2026-09-11"},{"id":36067,"accession_number":"0001171843-26-005989","item_number":"8.01","item_title":"Other Events.","event_type":"covenant_breach","event_domain":"financial","is_material":true,"confidence":0.85,"reasoning":"The filing discloses that the Company \"has experienced, or anticipates experiencing, events of default under the Credit Agreement, including the failure or expected failure to comply with certain financial covenants and reporting obligations.\" Although the Lenders have waived these defaults for a specified period, the disclosure of covenant breaches and the Company's need for waivers signals material financial stress. The forward-looking statements further emphasize risks including \"the Company's ability to extend the waiver and relief period\" and \"the potential need to seek protection under applicable bankruptcy or insolvency laws,\" indicating this is a material triggering event affecting the Company's financial obligations and going-concern status.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-09-11T11:01:43.432812+00:00","company_name":"AMERICAS CARMART INC","ticker":"CRMT","filing_date":"2026-09-11"}]}