Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2026
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Sales Used Autos brought in 84% of the revenue Carmit Candy Industries Ltd broke down this way in fiscal 2026.
Products and services by year
| Products and services | 2024 | 2025 | 2026 |
|---|---|---|---|
| Sales Used Autos | $1.0B | $987.3M | $861.3M |
| Service Contract Sales | $67.2M | $83.8M | $85.2M |
| Wholesales Third Party | $52.5M | $40.1M | $46.9M |
| Payment Protection Plan Revenue | $37.5M | $35.0M | $34.4M |
Where the money goes
Where each dollar of revenue went, fiscal 2026
- Cost of revenue65¢$664.0M
- Selling, general and admin20¢$208.1M
- Other costs12¢$124.6M
- Income tax3¢$31.1M
Out of $1.0B in revenue.2 The company lost money this year.
Where each dollar of operating cash went, fiscal 2026
- Capital spending3¢$1.8M
- Share buybacks0¢$297.0K
- Kept or used elsewhere97¢$62.9M
Out of $65.0M of cash from operations.2
Financial statements
Every line of the income statement in the latest annual report, as filed.2
| Period ending | 2026-04-30 | 2025-04-30 | 2024-04-30 |
|---|---|---|---|
| Sales | $1.0B | $1.1B | $1.2B |
| Interest and other income | $253.7M | $244.7M | $233.1M |
| Total revenues | $1.3B | $1.4B | $1.4B |
| Cost of sales | $664.0M | $726.1M | $758.5M |
| Selling, general and administrative | $208.1M | $188.9M | $179.4M |
| Provision for credit losses | $419.2M | $374.6M | $423.4M |
| Interest expense | $74.5M | $70.7M | $65.3M |
| Impairment expense | $11.0M | $0 | $0 |
| Depreciation and amortization | $8.2M | $7.6M | $6.9M |
| Loss on extinguishment of debt | $4.5M | $0 | $0 |
| (Gain) Loss on disposal of property and equipment | -$5.0K | $299.0K | $437.0K |
| Total costs and expenses | $1.4B | $1.4B | $1.4B |
| (Loss) income before taxes | -$108.0M | $22.8M | -$40.1M |
| (Benefit of) provision for income taxes | $31.1M | $4.9M | -$8.7M |
| Net (loss) income | -$139.1M | $17.9M | -$31.4M |
| Less: Dividends on mandatorily redeemable preferred stock | $40.0K | $40.0K | $40.0K |
| Net (loss) income attributable to common stockholders, basic | -$139.2M | $17.9M | -$31.4M |
| Net (loss) income attributable to common stockholders, diluted | -$139.2M | $17.9M | -$31.4M |
| Basic (in dollars per share) | -$16.79 | $2.38 | -$4.92 |
| Diluted (in dollars per share) | -$16.79 | $2.33 | -$4.92 |
| Basic (in shares) | 8.3M shares | 7.5M shares | 6.4M shares |
| Diluted (in shares) | 8.3M shares | 7.7M shares | 6.4M shares |
Every line of the balance sheet in the latest annual report, as filed.2
| Period ending | 2026-04-30 | 2025-10-31 | 2025-04-30 |
|---|---|---|---|
| Cash and cash equivalents | $47.0M | $9.8M | |
| Restricted cash | $84.7M | $114.7M | |
| Accrued interest on finance receivables | $8.0M | $7.4M | |
| Finance receivables, net of allowance for credit losses of $329,901,000 and $323,100,000 | $1.1B | $1.2B | |
| Inventory | $54.1M | $112.2M | |
| Income tax receivable, net | $3.5M | $0 | |
| Prepaid expenses and other assets | $31.3M | $38.1M | |
| Right-of-use asset | $43.4M | $63.8M | |
| Goodwill | $22.8M | $22.8M | |
| Property and equipment, net | $42.9M | $56.9M | |
| Total Assets | $1.4B | $1.6B | |
| Accounts payable | $32.1M | $35.0M | |
| Accrued liabilities | $35.9M | $35.9M | |
| Income tax payable, net | $0 | $1.5M | |
| Deferred income tax liabilities, net | $34.2M | $7.1M | |
| Lease liability | $49.8M | $67.0M | |
| Non-recourse notes payable, net | $458.7M | $572.0M | |
| Senior Secured Notes Payable, net | $263.7M | $0 | |
| Revolving line of credit, net | $0 | $204.8M | |
| Total liabilities | $970.8M | $1.0B | |
| Mandatorily redeemable preferred stock | $400.0K | $400.0K | |
| Preferred stock, par value $0.01 per share, 1,000,000 shares authorized; 0 issued or outstanding | $0 | $0 | |
| Common stock, par value $0.01 per share, 50,000,000 shares authorized; 15,657,592 and 15,605,818 issued at April 30, 2026 and April 30, 2025, respectively, of which 8,305,520 and 8,263,280 were outstanding at April 30, 2026 and April 30, 2025, respectively | $157.0K | $156.0K | |
| Additional paid-in capital | $210.8M | $195.2M | |
| Retained earnings | $533.1M | $672.3M | |
| Less: Treasury stock, at cost, 7,352,072 and 7,342,538 shares at April 30, 2026 and April 30, 2025, respectively | -$298.5M | -$298.2M | |
| Total stockholders' equity | $445.6M | $569.4M | |
| Non-controlling interest | $100.0K | $100.0K | |
| Total equity | $445.7M | $569.5M | |
| Total Liabilities, Mezzanine Equity and Equity | $1.4B | $1.6B | |
| Financing receivable, allowance for credit loss | $329.9M | $323.1M | |
| Preferred shares, par value per share (in dollars per share) | $0.01 | $0.01 | |
| Preferred shares, authorized shares (in shares) | 1.0M shares | 1.0M shares | |
| Preferred shares, issued shares (in shares) | 0 shares | 0 shares | |
| Preferred shares, outstanding shares (in shares) | 0 shares | 0 shares | |
| Common shares, par value per share (in dollars per share) | $0.01 | $0.01 | $0.01 |
| Common shares, authorized shares (in shares) | 50.0M shares | 50.0M shares | |
| Common shares, issued shares (in shares) | 15.7M shares | 15.6M shares | |
| Common shares, outstanding (in shares) | 8.3M shares | 8.3M shares | |
| Treasury stock (in shares) | 7.4M shares | 7.3M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.2
| Period ending | 2026-04-30 | 2025-04-30 | 2024-04-30 |
|---|---|---|---|
| Net loss | -$139.1M | $17.9M | -$31.4M |
| Provision for credit losses | $419.2M | $374.6M | $423.4M |
| Losses on claims for accident protection plan | $36.3M | $34.5M | $34.5M |
| Depreciation and amortization | $8.2M | $7.6M | $6.9M |
| Amortization of debt issuance costs | $9.4M | $6.2M | $5.1M |
| (Gain) loss on disposal of property and equipment | $0 | -$2.0K | $437.0K |
| Impairment of assets | $11.0M | $0 | $0 |
| Change in goodwill | $36.0K | $140.0K | $267.0K |
| Change in fair value of contingent consideration | $0 | $161.0K | $0 |
| Stock based compensation | $3.7M | $4.7M | $4.2M |
| Deferred income taxes | $27.1M | -$10.7M | -$21.5M |
| Loss on extinguishment of debt | $2.7M | $0 | $0 |
| Finance receivable originations | -$952.5M | -$1.1B | -$1.1B |
| Loan origination costs | $84.0K | -$2.0K | $40.0K |
| Finance receivable collections | $477.7M | $469.4M | $455.8M |
| Accrued interest on finance receivables | -$597.0K | -$525.0K | -$792.0K |
| Inventory | $180.3M | $114.6M | $139.2M |
| Prepaid expenses and other assets | $6.0M | -$6.8M | -$7.4M |
| Accounts payable and accrued liabilities | -$2.8M | $17.6M | -$9.3M |
| Income taxes, net | -$5.0M | $4.4M | $6.3M |
| Net cash provided by (used in) operating activities | $65.0M | -$48.8M | -$73.9M |
| Acquisition | $0 | -$7.5M | -$4.8M |
| Purchase of property and equipment | -$1.8M | -$3.9M | -$6.1M |
| Proceeds from sale of property and equipment | $289.0K | $42.0K | $316.0K |
| Net cash provided by (used in) investing activities | -$1.5M | -$11.4M | -$10.6M |
| Exercise of stock options | $0 | $0 | -$455.0K |
| Issuance of common stock | $218.0K | $74.1M | $282.0K |
| Purchase of common stock | -$297.0K | -$434.0K | -$365.0K |
| Dividend payments on subsidiary preferred stock | -$40.0K | -$40.0K | -$40.0K |
| Change in cash overdrafts | -$1.3M | $466.0K | $823.0K |
| Debt issuance costs | -$20.3M | -$9.0M | -$5.9M |
| Issuances of non-recourse notes payable | $549.2M | $649.9M | $610.3M |
| Payments on non-recourse notes payable | -$663.0M | -$631.3M | -$527.0M |
| Proceeds from revolving line of credit | $314.6M | $601.1M | $554.6M |
| Payments on revolving line of credit | -$521.7M | -$594.5M | -$521.4M |
| Loss on extinguishment of debt | -$1.8M | $0 | $0 |
| Proceeds from senior secured notes payable | $288.0M | $0 | $0 |
| Net cash provided by (used in) financing activities | -$56.3M | $90.2M | $111.0M |
| Increase in cash, cash equivalents, and restricted cash | $7.1M | $30.1M | $26.4M |
Timeline
- 1973Founded Founded in Israel1
Links
- Websitewww.carmit.co.il1
- Facebookwww.facebook.com/carmit.il1
- Instagramwww.instagram.com/carmit.il1
- WikidataQ110460009
Sources
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