# CarMax, Inc. (KMX)
auto-captive · prime · live · latest quarter 2026-05-31 · reporting basis prime

**Score 0** (weighted flags). CarMax Auto Finance: captive lender to CarMax's own used-vehicle customers, mostly prime, funded through non-recourse securitizations and warehouse lines.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (prime) | $16.10B |
| Allowance | $475.0M (2.95% of gross) |
| Provision | $95.6M |
| Net charge-offs | $73.6M (1.82% annualized) |
| Provision / NCO | 1.30 |
| Reserve, quarters of losses | 6.5 |
| 30+ / 60+ / 90+ | – / – / – |
| Nonaccrual | – |
| Yield | 11.39% |
| Equity / assets | 22.98% |
| Book growth YoY | -6.2% |

Delinquency note: Fiscal year ends the last day of February, so quarters land in May, August, November and February and line up with calendar peers only approximately. Revenue is consolidated CarMax vehicle sales plus finance income, as for Car-Mart. Debt includes the non-recourse notes payable that fund the receivables. Beginning fiscal 2026 a slice of originations is held for sale.

## Flags

- none

## In the news

- 2026-09-09 [CarMax Announces Second Quarter Conference Call - Business Wire](https://news.google.com/rss/articles/CBMipwFBVV95cUxOdkFPa0FRX3JEYkNpMnBGc2dwV0otY1NZRk9RdHdMOE9SNTBiTmlZRG03eUJ5MThQdi1JR2JvY085SnVmZ3Bkc3U0Z3drSk4wTUpqWU5HWlhpVEo1ZkgwakpZeXVtY0lVMzZvN2xwMGR0OVJRX1BWcEpiY2FiQmFwLW45b1ZQRDFhV3FzRGZwRllhbW1BQXBQWklQRElJMnk4bl9PVHcyNA?oc=5) · Business Wire
- 2026-09-09 [Is CarMax Inc (KMX) a Bargain After 4.3% Drop? GF Value Says Und - gurufocus.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdjR2UThnZzRTbkVlcE5EMVJFQkk3QVZ2VzZpaWVENEg4bF9XeF9rQk9iejYtSmlQZF9VWmZuYWpQSFBJZ0pRWWFqUU5DUE5PX01SaVFleDd4NXdkYS14enJuRjZpLXRsYkhER0YzN0pRdEF5cWV0aTVtWnhaLTFabUJ4c2dIZ1FCY3BacjFleWxxcEtUc216UVFhRDhDVUN3Z0FxNEpUbkZ4QQ?oc=5) · gurufocus.com
- 2026-09-06 [Bronstein, Gewirtz & Grossman, LLC Is Investigating CarMax, Inc. (KMX) And Encourages Stockholders to Connect - ACCESS Newswire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQWXBlQWRRR3lFTmJYNnk1Q3E1ajlRb3RhRVRCMXg0RHRiMUlxY0lZVDVlZzJyM2xZUkp1MW1QZEJaeXp1S2dHMXNCcHhDZ3dzWUVIMkhoVl9hR3ZHS0JBV3RkTFV1STNLdXFsSEFCZnRaQjViYUlMMzJ6aVBRRTRoM01yQ2dySnBSTUwxTlFOakZKekVaNWVOMjZrTHFBbVhTWDdlelBUME9WOTVSTmNWN3FqRU4yb0Q3VnpFTUR4djZLVDZYNVN6VVB4Sy1lNU5PbTQtMHNTeGJNMHVwX1pCdVRhdw?oc=5) · ACCESS Newswire
- 2026-09-05 [INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of CarMax, Inc. - KMX - Eastern Progress](https://news.google.com/rss/articles/CBMigwJBVV95cUxPZkU0RDRkQk0wQ1NwTjhPa2NsWktFbVJ5LUNFWTJrN29pVlB0WVBORnlveVhrZDBqTFFQWVliNkgwNzFBT25TbGNtRkNVcFAzS0FEVmQ4VGp4MXVDLWpUaXRDZXJMQ0d2S1FvN29MTkh1SnppeEVzRHp5OUF4czVSeU0xTG01VGhMUFB5UjR1NGtQQXVyNUJqWmtuVjdUNFZWZTgwS2VNU29maXlmYXBqZFNRY19iMTJvM3p6WHRpbmdmVXRWWi16UElyUDRPOV84Z3E2VWxXOXVibWV1WktlUkROc01MNUFFU2NiLUJNM0hNOUlMRG5KVTJIX2VNZnJjRG9Z?oc=5) · Eastern Progress
- 2026-06-29 [Is CarMax, Inc. (KMX) A Good Stock To Buy Now? - Yahoo Finance](https://news.google.com/rss/articles/CBMilAFBVV95cUxPeVB3UHRzQ0xoV0FpRHV3WHVGd0swSzUxdkR3U0tleXZ3a21saVVldW1EV28xNjBHMTdwMU5PcldDdThETkd6WWJxSUxqRkxncW9rVkdUVlVWZEJ5bWNjNGw0WEtjRFJoVEt6bTFXZHNKS0dxRVRCMW5yTHZHVkRkaEtJN256QnZKYXNFUElIVWw4aWNJ?oc=5) · Yahoo Finance
- 2026-08-26 [CARMAX, INC. (KMX) SHAREHOLDER INVESTIGATION ALERT: Bernstein Liebhard Investigates Potential Breaches of Fiduciary Duty - TMX Newsfile](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNVEp6WXByd21NellPanNCY0hUOGFZRUo5VjI0cktnYV9MUWp4MExBRXNLdVdVdGJ6TlRYbU5EV1FQeXV1R2xaeFJFQjhKNkZJR0tnQ1B0cUZCVjVvaGFOWlFYZUw3cjIzTkphZUZWNUJiSmdYSHVRYXRkelpSRUZVeWZJVWRic0NOUHV0eUpTVUtzVUJQMjhYdDVTUVh2VC1GSjRoS2dyeG5YSGV1cVlLN0h5TkttNEplU0FvV0RXU011MjBKN3Y2T3U3SzYxUzZOc0V6NnRxRE9tY0p3X1dCbmtnWTk5VUtZYmRyWGFOcGZZdw?oc=5) · TMX Newsfile
- 2026-02-12 [CarMax Names Keith Barr as Chief Executive Officer - CarMax](https://news.google.com/rss/articles/CBMiywFBVV95cUxPX09wT1J5YUh4eThqOGhTRzltWGNvMklUeFp3Z3pPcWdBY2Q5VHFxY3dTR1ltR3JWVDFVSFVmVlJrX28yd3N1N0JULWQtSjhmeW1uVXc5aHIwMlBET0RwVWlkSWtxRHVLU2pTa1NPSGhqNmdxa3lyalpsRVJ5OWcxdzdsdUVOOVc4dmFNaGpDWlljSkZFdjNpNDhSSmVXWHpFVGJKZmpSX1dsMUIybXFDTkNIdm52VmNfYmpLdGRieFBxbXlCZDZNX2VDbw?oc=5) · CarMax
- 2026-05-26 [KMX - Carmax Inc Stock Price and Quote - Finviz](https://news.google.com/rss/articles/CBMiREFVX3lxTE01MjJtblRNY1V1SVdUbGJvNUlXZWFUOF9oWnU5THd2bGFWV2xZd3ZMOHZVR2oxYkw1a2JzTmdxdF9wVzla?oc=5) · Finviz

## How to verify

- Page: https://getbookiq.com/intel/#co=KMX
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide