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| related topics |
| {condition, economic, financial} |
| {capital, credit, financial} |
| {loan, real, estate} |
| {acquisition, growth, future} |
| {loss, insurance, financial} |
| {competitive, industry, competition} |
| {regulation, government, change} |
| {personnel, key, retain} |
| {system, service, information} |
| {operation, natural, condition} |
| {stock, price, operating} |
|
|
The Company may have a higher risk of delinquency and default than traditional lenders because it loans money to credit-impaired borrowers.
A decrease in market interest rates would likely have an adverse effect on the Company s profitability.
The Company s allowance for credit losses may not be sufficient to cover actual credit losses, which could adversely affect its financial condition and operating results.
A reduction in the availability or access to sources of inventory would adversely affect the Company s business by increasing the costs of vehicles purchased.
The used automotive retail industry is highly competitive and fragmented, which could result in increased costs to the Company for vehicles and adverse price competition.
An economic slowdown will have adverse consequences for the used automotive industry and may have greater consequences for the non-prime segment of the industry.
The used automotive industry operates in a highly regulated environment with significant attendant compliance costs and penalties for non-compliance.
Inclement weather can adversely impact the Company s operating results.
The Company s business is geographically concentrated; therefore, the Company s results of operations may be adversely affected by unfavorable conditions in its local markets.
Car-Mart s success depends upon the continued contributions of its management teams.
The Company s business is dependent upon the efficient operation of its information systems.
Changes in the availability or cost of capital and working capital financing could adversely affect the Company s growth and business strategies.
The Company s growth is dependent upon the availability of suitable lot sites.
Car-Mart s business is subject to seasonal fluctuations.
Full 10-K form ▸
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