CARMAX INC
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KMX Q3 2026 request
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| Metric | Q3 2026 | Q3 2025 | YoY |
|---|---|---|---|
| Revenue | 5,793,946 | 6,223,371 | -6.9% |
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| Total other sales and revenues | 150,630 | 165,874 | -9.2% |
| Used vehicle sales | 4,548,197 | 4,888,858 | -7.0% |
| Wholesale vehicle sales | 1,095,119 | 1,168,639 | -6.3% |
| Cost of Revenue | 5,203,898 | 5,545,725 | -6.2% |
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| Total other sales and revenues | 54,282 | 51,145 | +6.1% |
| Used vehicle sales | 4,169,250 | 4,464,016 | -6.6% |
| Wholesale vehicle sales | 980,366 | 1,030,564 | -4.9% |
| Gross Profit | 590,048 | 677,646 | -12.9% |
| Net Income Loss From Financing | 174,738 | 159,885 | +9.3% |
| Selling, General & Administrative | 581,368 | 575,764 | +1.0% |
| Depreciation And Amortization | 68,943 | 64,507 | +6.9% |
| Interest Expense | 26,120 | 25,418 | +2.8% |
| Non-Operating Income (Expense) | 4,468 | 5,370 | -16.8% |
| Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments | 83,887 | 166,472 | -49.6% |
| Income Tax Expense (Benefit) | 21,672 | 41,031 | -47.2% |
| Net Income | 62,215 | 125,441 | -50.4% |
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| Retained Earnings | 62,215 | 125,441 | -50.4% |
| Wtd Avg Shares (Basic) | 145,548 | 154,582 | -5.8% |
| Wtd Avg Shares (Diluted) | 145,864 | 155,265 | -6.1% |
| EPS (Basic) | 0.43 | 0.81 | -46.9% |
| EPS (Diluted) | 0.43 | 0.81 | -46.9% |
| Item As Percent Of Net Sales And Operating Revenues (Q) | — | — | — |
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| CARMAX AUTO FINANCE INCOME | 3 | 2.6 | +15.4% |
| Cost Of Sales | 89.8 | 89.1 | +0.8% |
| Depreciation and Amortization, Nonproduction | 1.2 | 1 | +20.0% |
| Earnings before income taxes | 1.4 | 2.7 | -48.1% |
| GROSS PROFIT | 10.2 | 10.9 | -6.4% |
| Income tax provision | 0.4 | 0.7 | -42.9% |
| Interest Expense | 0.5 | 0.4 | +25.0% |
| NET EARNINGS | 1.1 | 2 | -45.0% |
| Net Sales And Operating Revenues [Member] | 100 | 100 | 0.0% |
| Nonoperating Income Expense | 0.1 | 0.1 | 0.0% |
| Selling General And Administrative Expenses | 10 | 9.3 | +7.5% |
| Total other sales and revenues · Cost Of Sales | 0.9 | 0.8 | +12.5% |
| Total other sales and revenues · Net Sales And Operating Revenues [Member] | 2.6 | 2.7 | -3.7% |
| Used vehicle sales · Cost Of Sales | 72 | 71.7 | +0.4% |
| Used vehicle sales · Net Sales And Operating Revenues [Member] | 78.5 | 78.6 | -0.1% |
| Wholesale vehicle sales · Cost Of Sales | 16.9 | 16.6 | +1.8% |
| Wholesale vehicle sales · Net Sales And Operating Revenues [Member] | 18.9 | 18.8 | +0.5% |
| Revenue | 5,793.9 | 6,223.4 | -6.9% |
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| Advertising & subscription revenues [Domain] | 35.1 | 36.1 | -2.8% |
| Extended protection plan revenues | 96.6 | 105.5 | -8.4% |
| Other | 3.4 | 2.9 | +17.2% |
| Service revenues | 18.5 | 20.4 | -9.3% |
| Third-party finance (fees)/income, net | -3 | 1 | -400.0% |
| Total other sales and revenues | 150.6 | 165.9 | -9.2% |
| Used vehicle sales | 4,548.2 | 4,888.9 | -7.0% |
| Wholesale vehicle sales | 1,095.1 | 1,168.6 | -6.3% |
| Comprehensive Income | 56,241 | 131,211 | -57.1% |
| Other Comprehensive Income | -5,974 | 5,770 | -203.5% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | -470 | -15,032 | +96.9% |
| Interest Income Expense Net | 259.7 | 276 | -5.9% |
| Labor And Related Expense | -20.5 | -19 | -7.9% |
Balance Sheet
| Metric | Q3 2026 | Q3 2025 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 204,938 | 271,910 | -24.6% |
| Restricted Cash And Cash Equivalents At Carrying Value | 567,398 | 541,153 | +4.8% |
| Accounts Receivable | 151,102 | 213,593 | -29.3% |
| Inventory | 3,127,948 | 3,665,163 | -14.7% |
| Other Assets Current | 146,819 | 126,817 | +15.8% |
| Total Current Assets | 4,198,205 | 4,818,636 | -12.9% |
| Non-Current Assets | |||
| Property, Plant & Equipment | 4,023,465 | 3,799,312 | +5.9% |
| Deferred Tax Assets | 73,451 | 133,258 | -44.9% |
| Operating Lease Right-of-Use Assets | 475,078 | 504,979 | -5.9% |
| Goodwill | 141,258 | 141,258 | 0.0% |
| Other Non-Current Assets | 499,736 | 486,743 | +2.7% |
| Total Assets | 25,562,355 | 27,297,126 | -6.4% |
| Other Assets | |||
| Notes Receivable Net | 16,151,162 | — | — |
| Current Liabilities | |||
| Accounts Payable | 887,496 | 985,891 | -10.0% |
| Accrued Liabilities | 418,021 | 456,541 | -8.4% |
| Accrued Income Taxes Current | 4,079 | 69,816 | -94.2% |
| Operating Lease Liability Current | 57,173 | 60,338 | -5.2% |
| Current Portion of Long-Term Debt | 216,901 | 15,020 | +1344.1% |
| Non Recourse Debt Current | 522,571 | 509,686 | +2.5% |
| Total Current Liabilities | 2,106,241 | 2,097,292 | +0.4% |
| Non Recourse Debt Non Current | 15,417,006 | 16,559,771 | -6.9% |
| Debt Current | -739,472 | -524,706 | -40.9% |
| Non-Current Liabilities | |||
| Other Long Term Debt Noncurrent | 1,169,768 | 1,589,454 | -26.4% |
| Operating Lease Liabilities | 462,391 | 481,344 | -3.9% |
| Other Non-Current Liabilities | 342,415 | 358,055 | -4.4% |
| Total Liabilities | 19,497,821 | 21,085,916 | -7.5% |
| Long-Term Debt | 16,586,774 | 18,149,225 | -8.6% |
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| October 2021 Term Loan | 500 | 700 | -28.6% |
| Senior Notes | 400 | 400 | 0.0% |
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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% |
| October 2021 Term Loan | 499,233 | 699,738 | -28.7% |
| Stockholders' Equity | |||
| Common Stock | 71,531 | 76,954 | -7.0% |
| Additional Paid-In Capital | 1,824,142 | 1,853,489 | -1.6% |
| Accumulated Other Comprehensive Income | -27,280 | 14,827 | -284.0% |
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| Net Unrecognized Actuarial Losses | -35,781 | -36,863 | +2.9% |
| Net Unrecognized Hedge Gains (Losses) | 8,501 | 51,690 | -83.6% |
| Retained Earnings | 4,196,141 | 4,265,940 | -1.6% |
| Stockholders Equity Including Portion Attributable To Noncontrolling Interest | 6,064,534 | 6,211,210 | -2.4% |
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| Accumulated Other Comprehensive Income | -27,280 | 14,827 | -284.0% |
| Additional Paid In Capital | 1,824,142 | 1,853,489 | -1.6% |
| Common Stock | 71,531 | 76,954 | -7.0% |
| Retained Earnings | 4,196,141 | 4,265,940 | -1.6% |
| Total Liabilities & Equity | 25,562,355 | 27,297,126 | -6.4% |
Cash Flow Statement
| Metric | YTD Q3 2026 | YTD Q3 2025 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation & Amortization | 252,198 | 217,332 | +16.0% |
| Stock-Based Compensation | 87,361 | 107,121 | -18.4% |
| Provision For Loan Lease And Other Losses (Q) | — | — | — |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Tier 1 | 62 | 61.7 | +0.5% |
| Tier 2 & Tier 3 | 11.4 | 10.9 | +4.6% |
| Provision For Loan Lease And Other Losses | 317,335 | 266,406 | +19.1% |
Show Accounts Notes Loans And Financing Receivable By Receivable Type breakouts |
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| Auto loans held for investment | 359.5 | — | — |
| Auto loans held for investment · Tier 1 | 298.7 | — | — |
| Auto loans held for investment · Tier 2 & Tier 3 | 60.8 | — | — |
| Transfer of auto loans held for sale | -42.2 | — | — |
| Transfer of auto loans held for sale · Tier 1 | -30.3 | — | — |
| Transfer of auto loans held for sale · Tier 2 & Tier 3 | -11.9 | — | — |
| Provision For Contract Cancellation Reserves | 57,157 | 75,007 | -23.8% |
| Deferred Income Taxes | 76,618 | -19,961 | +483.8% |
| Proceeds From Sale Of Loans Held For Sale | 909,016 | — | — |
| Gain Loss On Disposition Of Assets | -18,807 | 6,186 | -404.0% |
| Change in Accounts Receivable | 37,631 | 19,872 | +89.4% |
| Change in Inventory | 806,674 | 12,907 | +6149.9% |
| Increase Decrease In Other Current Assets | -2,916 | 127,978 | -102.3% |
| Increase Decrease In Finance Receivables | -156,314 | -667,502 | +76.6% |
| Increase Decrease In Other Operating Assets | -19,646 | -13,936 | -41.0% |
| Increase Decrease In Accounts Payable And Accrued Liabilities | -321,017 | 6,695 | -4894.9% |
| Increase Decrease In Other Operating Liabilities | -55,150 | -70,733 | +22.0% |
| Net Cash from Operations | 2,338,114 | 478,062 | +389.1% |
| Investing Activities | |||
| Capital Expenditures | -407,962 | -340,322 | -19.9% |
| Proceeds From Sale Of Property Plant And Equipment | 385 | 153 | +151.6% |
| Payments To Acquire Investments | -8,754 | -9,478 | +7.6% |
| Proceeds From Sale And Maturity Of Other Investments | 1,922 | 1,722 | +11.6% |
| Proceeds From Collection Of Retained Interest In Securitized Receivables | 3,132 | — | — |
| Net Cash from Investing | -411,277 | -347,925 | -18.2% |
| Financing Activities | |||
| Proceeds From Revolving Line Of Credit And Long Term Debt | 87,000 | 34,400 | +152.9% |
| Payments On Revolving Line Of Credit And Long Term Debt | -299,007 | -344,231 | +13.1% |
| Debt Issuance Costs | -18,555 | -16,861 | -10.0% |
| Repayments Of Long Term Finance And Capital Lease Obligations | -11,002 | -13,146 | +16.3% |
| Proceeds From Issuance Of Non Recourse Debt | 9,577,170 | 9,721,000 | -1.5% |
| Payments On Non Recourse Debt | -10,729,859 | -9,491,659 | -13.0% |
| Share Repurchases | -588,440 | -329,581 | -78.5% |
| Proceeds From Issuance Or Sale Of Equity | 8,349 | 35,367 | -76.4% |
| Net Cash from Financing | -1,974,344 | -404,711 | -387.8% |
| Supplemental | |||
| Unpaid Capital Expenditures | 6,037 | 11,023 | -45.2% |
| Other Cash Flow | |||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect | -47,507 | -274,574 | +82.7% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 912,803 | 975,836 | -6.5% |
| Restricted Cash And Cash Equivalents Noncurrent | 140,467 | 162,773 | -13.7% |
Values in thousands USD. Source: SEC EDGAR 10-Q filing.