CARMAX INC
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KMX FY 2026 request
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| Metric | FY 2026 | FY 2025 | YoY |
|---|---|---|---|
| Revenue | 25,881,131 | 26,353,420 | -1.8% |
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| Other sales and revenues | 674,209 | 686,309 | -1.8% |
| Used vehicle sales | 20,702,358 | 21,079,654 | -1.8% |
| Wholesale vehicle sales | 4,504,564 | 4,587,457 | -1.8% |
| Cost of Revenue | 23,074,538 | 23,455,519 | -1.6% |
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| Other sales and revenues | 150,632 | 169,160 | -11.0% |
| Used vehicle sales | 18,943,402 | 19,256,483 | -1.6% |
| Wholesale vehicle sales | 3,980,504 | 4,029,876 | -1.2% |
| Gross Profit | 2,806,593 | 2,897,901 | -3.2% |
| Net Income Loss From Financing | 562,721 | 581,749 | -3.3% |
| Selling, General & Administrative | 2,453,412 | 2,435,404 | +0.7% |
| Depreciation And Amortization | 273,750 | 255,321 | +7.2% |
| Interest Expense | 110,394 | 107,941 | +2.3% |
| Goodwill Impairment Loss | 141,258 | — | — |
| Non-Operating Income (Expense) | 7,067 | 11,624 | -39.2% |
| Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments | 383,433 | 669,360 | -42.7% |
| Income Tax Expense (Benefit) | 136,143 | 168,804 | -19.3% |
| Net Income | 247,290 | 500,556 | -50.6% |
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| Retained Earnings | 247,290 | 500,556 | -50.6% |
| Wtd Avg Shares (Basic) | 147,258 | 155,330 | -5.2% |
| Wtd Avg Shares (Diluted) | 147,613 | 156,061 | -5.4% |
| EPS (Basic) | 1.68 | 3.22 | -47.8% |
| EPS (Diluted) | 1.68 | 3.21 | -47.7% |
| Item As Percent Of Net Sales And Operating Revenues (FY) | — | — | — |
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| CARMAX AUTO FINANCE INCOME | 2.2 | 2.2 | 0.0% |
| Cost Of Sales | 89.2 | 89 | +0.2% |
| Depreciation and Amortization | 1.1 | 1 | +10.0% |
| Earnings before income taxes | 1.5 | 2.5 | -40.0% |
| Goodwill impairment | 0.5 | — | — |
| GROSS PROFIT | 10.8 | 11 | -1.8% |
| Income tax provision | 0.5 | 0.6 | -16.7% |
| Interest Expense | 0.4 | 0.4 | 0.0% |
| NET EARNINGS | 1 | 1.9 | -47.4% |
| NET SALES AND OPERATING REVENUES | 100 | 100 | 0.0% |
| Other sales and revenues · Cost Of Sales | 0.6 | 0.6 | 0.0% |
| Other sales and revenues · NET SALES AND OPERATING REVENUES | 2.6 | 2.6 | 0.0% |
| Selling General And Administrative Expenses | 9.5 | 9.2 | +3.3% |
| Used vehicle sales · Cost Of Sales | 73.2 | 73.1 | +0.1% |
| Used vehicle sales · NET SALES AND OPERATING REVENUES | 80 | 80 | 0.0% |
| Wholesale vehicle sales · Cost Of Sales | 15.4 | 15.3 | +0.7% |
| Wholesale vehicle sales · NET SALES AND OPERATING REVENUES | 17.4 | 17.4 | 0.0% |
| Revenue | 25,881.1 | 26,353.4 | -1.8% |
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| Advertising & subscription revenues [Domain] | 144.5 | 139.3 | +3.7% |
| Extended protection plan revenues | 448.7 | 451.7 | -0.7% |
| Other | 13.1 | 13.4 | -2.2% |
| Other sales and revenues | 674.2 | 686.3 | -1.8% |
| Service revenues | 76.6 | 83.4 | -8.2% |
| Third-party finance fees, net | -8.7 | -1.5 | -480.0% |
| Used vehicle sales | 20,702.4 | 21,079.7 | -1.8% |
| Wholesale vehicle sales | 4,504.6 | 4,587.5 | -1.8% |
| Comprehensive Income | 210,084 | 444,357 | -52.7% |
| Other Comprehensive Income | -37,206 | -56,199 | +33.8% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | -9,897 | -17,585 | +43.7% |
| Provision For Loan Lease And Other Losses | 391.2 | 334.7 | +16.9% |
Show Accounts Notes Loans And Financing Receivable By Receivable Type breakouts |
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| Auto loans held for investment | 433.4 | — | — |
| Auto loans held for investment · Tier 1 managed receivables | -30.3 | — | — |
| Auto loans held for investment · Tier 2 & Tier 3 managed receivables | -11.9 | — | — |
| Transfer of auto loans to held for sale | -42.2 | — | — |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Tier 1 managed receivables | 362.5 | 281.6 | +28.7% |
| Tier 2 & Tier 3 managed receivables | 70.9 | 53.1 | +33.5% |
| Interest Income Expense Net | 1,095 | 1,090.7 | +0.4% |
| Labor And Related Expense | -80.4 | -75.9 | -5.9% |
Balance Sheet
| Metric | FY 2026 | FY 2025 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 122,826 | 246,960 | -50.3% |
| Restricted Cash And Cash Equivalents At Carrying Value | 592,033 | 559,118 | +5.9% |
| Accounts Receivable | 204,453 | 188,733 | +8.3% |
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 100,491 | — | — |
| Inventory | 4,137,005 | 3,934,622 | +5.1% |
| Other Assets Current | 153,594 | 148,203 | +3.6% |
| Total Current Assets | 5,310,402 | 5,077,636 | +4.6% |
| Non-Current Assets | |||
| Property, Plant & Equipment | 4,070,293 | 3,841,833 | +5.9% |
| Deferred Tax Assets | 78,479 | 140,332 | -44.1% |
| Operating Lease Right-of-Use Assets | 459,514 | 493,355 | -6.9% |
| Other Non-Current Assets | 496,924 | 467,003 | +6.4% |
| Total Assets | 26,367,903 | 27,404,206 | -3.8% |
| Intangible Assets (Q) | — | — | — |
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| Customer Relationships | 95,982 | 103,818 | -7.5% |
| Internally developed software | 17,004 | 24,561 | -30.8% |
| Other Assets | |||
| Notes Receivable Net | 15,952,291 | 17,242,789 | -7.5% |
| Current Liabilities | |||
| Accounts Payable | 1,117,976 | 977,845 | +14.3% |
| Accrued Liabilities | 475,495 | 529,926 | -10.3% |
| Accrued Income Taxes Current | 2,019 | 87,526 | -97.7% |
| Operating Lease Liability Current | 57,341 | 59,335 | -3.4% |
| Current Portion of Long-Term Debt | 217,323 | 16,821 | +1192.0% |
| Non Recourse Debt Current | 544,651 | 526,518 | +3.4% |
| Total Current Liabilities | 2,414,805 | 2,197,971 | +9.9% |
| Non Recourse Debt Non Current | 15,254,330 | 16,567,044 | -7.9% |
| Non-Current Liabilities | |||
| Other Long Term Debt Noncurrent | 2,006,217 | 1,570,296 | +27.8% |
| Operating Lease Liabilities | 464,696 | 481,963 | -3.6% |
| Other Non-Current Liabilities | 338,999 | 343,944 | -1.4% |
| Total Liabilities | 20,479,047 | 21,161,218 | -3.2% |
| Long-Term Debt | 17,260,547 | 18,137,340 | -4.8% |
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| Senior Notes | 400 | — | — |
| Term Loan [Member] | 500 | — | — |
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| 4.17% senior notes due 2026 [Member] | 200,000 | 200,000 | 0.0% |
| 4.27% senior notes due 2028 [Member] | 200,000 | 200,000 | 0.0% |
| Revolving Credit Facility | 840,800 | — | — |
| Term Loan [Member] | 499,271 | — | — |
| Stockholders' Equity | |||
| Common Stock | 70,900 | 76,660 | -7.5% |
| Additional Paid-In Capital | 1,810,223 | 1,891,012 | -4.3% |
| Accumulated Other Comprehensive Income | -34,126 | 3,080 | -1208.0% |
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| Net unrecognized beneficial interests gains (losses) | 53 | — | — |
| Unrecognized Actuarial Losses [Member] | -38,524 | -36,008 | -7.0% |
| Unrecognized Hedge Losses [Member] | 4,345 | 39,088 | -88.9% |
| Retained Earnings | 4,041,859 | 4,272,236 | -5.4% |
| Stockholders Equity Including Portion Attributable To Noncontrolling Interest | 5,888,856 | 6,242,988 | -5.7% |
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| Accumulated Other Comprehensive Income | -34,126 | 3,080 | -1208.0% |
| Additional Paid In Capital | 1,810,223 | 1,891,012 | -4.3% |
| Common Stock | 70,900 | 76,660 | -7.5% |
| Retained Earnings | 4,041,859 | 4,272,236 | -5.4% |
| Total Liabilities & Equity | 26,367,903 | 27,404,206 | -3.8% |
Cash Flow Statement
| Metric | FY 2026 | FY 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation & Amortization | 345,962 | 294,801 | +17.4% |
| Stock-Based Compensation | 99,018 | 134,709 | -26.5% |
| Provision For Loan And Lease Losses | 391,200 | 334,667 | +16.9% |
| Provision For Contract Cancellation Reserves | 75,827 | 97,701 | -22.4% |
| Deferred Income Taxes | 73,800 | -23,724 | +411.1% |
| Proceeds From Sale Of Loans Held For Sale | 908,927 | — | — |
| Gain Loss On Disposition Of Assets | 9,345 | 20,781 | -55.0% |
| Change in Accounts Receivable | -15,720 | 32,420 | -148.5% |
| Loans Receivable Held For Sale Reconciliation To Cash Flow Period Increase Decrease | -100,491 | — | — |
| Change in Inventory | -202,383 | -256,552 | +21.1% |
| Increase Decrease In Other Current Assets | -7,813 | 109,162 | -107.2% |
| Increase Decrease In Finance Receivables | -31,308 | -565,612 | +94.5% |
| Increase Decrease In Other Noncurrent Assets | -31,958 | -19,230 | -66.2% |
| Increase Decrease In Accounts Payable And Accrued Liabilities | -43,784 | 71,714 | -161.1% |
| Increase Decrease In Other Operating Liabilities | -75,323 | -106,954 | +29.6% |
| Net Cash from Operations | 1,783,847 | 624,439 | +185.7% |
| Investing Activities | |||
| Capital Expenditures | -540,989 | -467,939 | -15.6% |
| Proceeds From Sale Of Property Plant And Equipment | 418 | 333 | +25.5% |
| Payments To Acquire Investments | -10,007 | -10,738 | +6.8% |
| Proceeds From Sale And Maturity Of Other Investments | 2,994 | 17,342 | -82.7% |
| Proceeds From Collection Of Retained Interest In Securitized Receivables | 7,539 | — | — |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level3 | 3,536 | — | — |
| Net Cash from Investing | -540,045 | -461,002 | -17.1% |
| Financing Activities | |||
| Proceeds From Revolving Line Of Credit And Long Term Debt | 1,538,400 | 522,800 | +194.3% |
| Payments On Revolving Line Of Credit And Long Term Debt | -913,804 | -836,622 | -9.2% |
| Debt Issuance Costs | -24,227 | -21,253 | -14.0% |
| Finance Lease Principal Payments | -15,044 | -16,536 | +9.0% |
| Proceeds From Issuance Of Non Recourse Debt | 13,060,375 | 12,968,491 | +0.7% |
| Payments On Non Recourse Debt | -14,352,524 | -12,715,705 | -12.9% |
| Share Repurchases | -642,786 | -428,453 | -50.0% |
| Proceeds From Issuance Or Sale Of Equity | 8,348 | 73,741 | -88.7% |
| Net Cash from Financing | -1,341,262 | -453,537 | -195.7% |
| Supplemental | |||
| Interest Paid | 106,452 | 104,934 | +1.4% |
| Unpaid Capital Expenditures | 8,040 | 13,486 | -40.4% |
| Other Cash Flow | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | -97,460 | -290,100 | +66.4% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 862,850 | 960,310 | -10.1% |
| Restricted Cash And Cash Equivalents Noncurrent | 147,991 | 154,232 | -4.0% |
Show Debt Instrument breakouts |
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| Asset-backed term funding transactions | 93.1 | 99.9 | -6.8% |
Values in thousands USD. Source: SEC EDGAR 10-K filing.