CRMT Earnings

CRMT reported its FY2026Q2 earnings on 2025-12-04, showcasing a revenue of 350.19M against an estimate of 331.02M, resulting in a 5.79% surprise. The EPS was -0.79, surpassing the expected -0.1 by -690%. The stock experienced a 10.65% price change on the earnings day and a 17.8% change over the next five days, reflecting market reactions to the results.

Following CRMT's FY2026Q2 earnings announcement on 2025-12-04, the stock price moved by 10.65% on the day of the release. Over the subsequent five days, it saw a 17.8% change. Historically, CRMT's stock price tends to shift by an average of 2.05% in the 10 days leading up to earnings and 1.12% in the 10 days following, providing insight into potential market.

For 2026/Q3, analysts estimate CRMT's annual revenue to reach 325.40M, while the EPS is projected at -0.48. These estimates reflect recent revisions, with revenue estimates revised upward by 1.93% and EPS estimates revised upward by 1.72% over the past three months, indicating analyst expectation in the company's performance.

The correlation between CRMT's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock's fundamentals. Over the past three months, revenue estimates for FY2026 were revised upward by 1.93%, while EPS estimates moved revised upward by 1.72%. This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, CRMT's stock price typically moves by 2.05% in the 10 days before its earnings and 1.12% in the 10 days after. For the upcoming 2026/Q3 earnings, analysts expect an EPS of -0.48 and revenue of 325.40M.

The earnings call summary and Q&A reflect a generally positive outlook. Revenue increased by 4.8% when adjusted for a one-time benefit, and credit application volume rose by 14.6%, indicating strong demand. Although gross profit margin slightly declined, it improved sequentially. The company is focusing on operational enhancements, SG&A efficiency, and capital structure flexibility, which are likely to support future growth. Despite some macroeconomic pressures, management's optimistic guidance and strategic initiatives, such as inventory rebuilding and leveraging the ABS market, suggest a positive stock price movement over the next two weeks.