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CarMax KMX Increase Decrease In Finance Receivables

Increase Decrease In Finance Receivables at other companies

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-$36M+92.8%

Other financials

Income statement

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Revenue$8.0B+6.2%
Gross profit$854.4M-4.4%
Net income$185.6M-11.8%
EPS (diluted)$1.31-5.1%

Balance sheet

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Cash & equivalents$132.2M-49.7%
Total debt$2.8B+20.0%
Total assets$26.6B-2.8%

Cash flow

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Operating cash flow$17.6M-94.1%
CapEx$103.3M-24.4%
Free cash flow-$85.7M-153%

Valuation

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Market cap$8.34B-0.6%
Enterprise value$10.99B+5.2%
P/E15.1×-19.4×
P/S0.3×0.0×

Profitability

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Gross margin10.5%-0.7pp
Net margin1.8%0.0pp
FCF margin7.5%—

Returns & leverage

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Current ratio2.7×+0.3×

Where this comes from

Reported directly by CarMax in its filing.

Tagged under the XBRL concept us-gaap:IncreaseDecreaseInFinanceReceivables.

The source filing: CarMax’s 10-Q, filed June 24, 2026.

Filed
Jun 24, 2026, 11:08 AM EDT
Fiscal quarter
Q1 FY2027
Calendar quarter
Q2 2026
Accession
0001170010-26-000055
(In thousands)Three Months Ended May 31 / 2026Three Months Ended May 31 / 2025
Auto loans held for sale(518,488)(637,947)
Inventory74,240310,269
Other current assets6,4872,692
Auto loans held for investment, net166,755338,338
Other assets(8,146)(5,712)
Net decrease in:
Accounts payable, accrued expenses and other
current liabilities and accrued income taxes(58,274)(141,867)

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is CarMax's increase decrease in finance receivables?
CarMax (KMX) reported increase decrease in finance receivables of -$166.76M in Q1 2026.
How has CarMax's increase decrease in finance receivables changed year-over-year?
CarMax's increase decrease in finance receivables increased by 50.7% year-over-year, from -$338.34M to -$166.76M.
What is the long-term trend for CarMax's increase decrease in finance receivables?
Over 2 years (2022 to 2024), CarMax's increase decrease in finance receivables has grown at a -28.9% compound annual growth rate (CAGR), from $1.94B to $980.57M.
What does increase decrease in finance receivables mean?
This measures the net change in the portfolio of finance receivables held on the balance sheet, representing the net impact of new originations versus principal collections. An increase indicates a growing loan book, which may drive future interest income but also consumes current operating cash flow. It is a primary indicator of the company's credit expansion strategy.

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