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CarMax Inc (KMX) Q4 2025 Earnings Call Highlights: Record Profits and Strategic Growth Plans

In This Article:

  • Total Sales: $6 billion, up 7% year-over-year.

  • Retail Unit Sales: Increased 6.2% year-over-year.

  • Used Unit Comps: Up 5.1% year-over-year.

  • Retail Gross Profit Per Used Unit: $2,322, a fourth-quarter record.

  • Wholesale Unit Sales: Up 3.1% year-over-year.

  • Wholesale Gross Profit Per Unit: $1,045, down from $1,120 last year.

  • CAF Income: $159 million, up 8% year-over-year.

  • Net Earnings Per Diluted Share: $0.58, up 81% year-over-year; adjusted EPS $0.64.

  • Total Gross Profit: $668 million, up 14% year-over-year.

  • SG&A Expenses: $611 million, up 5% year-over-year.

  • Share Repurchase: Approximately 1.2 million shares for $99 million.

  • New Store Openings: 6 planned for FY26, up from 5 in FY25.

  • Capital Expenditures: Anticipated $575 million for FY26.

Release Date: April 10, 2025

For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Positive Points

  • CarMax Inc (NYSE:KMX) reported robust year-over-year EPS growth, driven by increased unit volume in sales and buys, higher gross profit, and improved cost efficiencies.

  • The company achieved a record in buying vehicles from dealers, with a 114% increase in dealer-sourced vehicles compared to last year.

  • CarMax Inc (NYSE:KMX) saw a significant increase in digital engagement, with approximately 67% of retail unit sales being omni sales, up from 64% last year.

  • CarMax Auto Finance (CAF) delivered an 8% increase in income, supported by a steady net interest margin and strategic credit spectrum expansion.

  • The company achieved a 14% increase in total gross profit, with notable improvements in service gross profit and efficiency measures.

Negative Points

  • Wholesale gross profit per unit declined from $1,120 to $1,045 year-over-year, despite being historically strong.

  • The average selling price for wholesale units remained flat year-over-year, indicating potential pricing pressures.

  • SG&A expenses increased by 5% or $30 million from the prior year, driven by higher compensation and advertising costs.

  • The company anticipates a larger provision for loan losses in the first quarter due to new origination volume and lower credit quality.

  • CarMax Inc (NYSE:KMX) withdrew the timeline for its $30 billion sales goal due to macroeconomic uncertainties, indicating potential challenges in achieving long-term targets.

Q & A Highlights

Q: Can you explain the difference in market share performance between the first and second halves of fiscal '25, and how might rising used car prices affect your business? A: In the first half, we faced a significant price correction, which masked our improvements. The second half saw better execution and efficiency gains. Rising used car prices could widen the gap between new and late-model used cars, potentially increasing demand for used vehicles. We've learned to better manage inventory and financing options, which positions us well for future challenges. - William Nash, CEO