Velarion · Company Intelligence
Compensation Brief
Fiscal year 2026 · Filings through 2026-09-30

Americas Carmart (CRMT)

CEO Douglas Campbell was paid $1,574,534 in fiscal year 2026, ↑ up 1.4% from fiscal year 2025, the 6th percentile of its disclosed peer group (SEC filing 0001628280-26-057070 ↗): executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.

$1,574,534 ↑
Douglas Campbell total, FY2026
6th
CEO pay percentile vs peers
42:1
CEO-to-median pay ratio
—
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Sample answer — “What is the CEO’s total compensation?”
- Douglas Campbell (President, Chief Executive Officer), FY2026 total compensation $1,574,534 (base salary $800,000) [exec_comp, SEC accession 0001628280-26-057070, filed 2026-08-14]

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CRMT's next annual pay disclosure, estimated August 14, 2027.est. Filing ↗

01

Summary Compensation Table — fiscal year 2026

Named executive officerSalaryBonusStock awardsOption awardsNon-equity incentivePension / NQDCAll otherTotal
Douglas Campbell$800,000$0$0$0$746,760$0$27,774$1,574,534
President, Chief Executive Officer
Jonathan Collins427,5000325,009317,017270,828021,0121,361,366
Former Chief Financial Officer 3
Jamie Fischer414,904100,000199,994199,991264,478029,4541,208,821
Chief Operating Officer 5

A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.

Three-year trend — total compensation per named executive

Named executive officerFY2026 totalFY2025 totalFY2024 totalΔ FY2025→2026
Douglas Campbell$1,574,534$1,553,513$8,446,835↑ +21,021
Jonathan Collins1,361,366———
Jamie Fischer1,208,8211,051,048—↑ +157,773

Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.

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Companies that benchmark against CRMT
4 companies name CRMT as a compensation peer

The list of companies that name CRMT as a peer is temporarily unavailable — recheck shortly.

02

Equity transactions since the proxy statement was filed

No insider equity transactions reported since the proxy statement.

03

Grants of plan-based awards — fiscal year 2026

ExecutiveAwardGrant dateThresholdTargetGrantedMaximumGrant-date fair value
Jonathan CollinsOPTION2025-06-05——11,880—$317,017
Jonathan CollinsRSU2025-06-05——6,145—325,009
Jamie FischerOPTION2025-09-17——12,005—199,991
Jamie FischerRSU2025-09-17——6,211—199,994
03b

Vehicle mix — grant-date fair value by award type

Named executive officerTime-vested (RSU)Performance-vested (PSU)Options / SARs% performance-vested
Jonathan Collins$325,009$0$317,0170.0%
Jamie Fischer199,9940199,9910.0%

% performance-vested = PSU grant-date fair value ÷ (RSU + PSU + Options), a computed value with the derivation shown in the register.

04

Outstanding equity awards at fiscal year-end 2026

ExecutiveAwardShares unvestedExercise priceMarket value unvested
Douglas CampbellRSU15,870—$193,773
Jamie FischerRSU2,927—35,739
Jamie FischerRSU6,211—75,836
Jonathan CollinsOption11,88051.95—
Douglas CampbellOption45,00061.02—
Jamie FischerOption12,00532.2—
Jonathan CollinsRSU6,145—75,030
Douglas CampbellOption30,00061.02—
Douglas CampbellOption162,48670.57—
05

Incentive-plan design — the Compensation Discussion & Analysis

Our compensation philosophy is to align the interests of our executive officers with those of our stockholders and induce our executive officers to remain in our employ. This is accomplished by paying competitive base salaries, offering short-term incentive cash bonuses conditioned on consolidated financial results or key operating metrics, and making periodic grants of restricted stock and/or stock options.

CEO STI target (% of salary)—
CEO LTI target (% of salary)—
Independent consultantCompensia, Inc.
Clawback policytrue
Anti-hedgingtrue
Anti-pledgingtrue
07

CEO pay ratio

Ratio (CEO : median employee)42 : 1
CEO total compensation—
Median employee compensation—
08

Director compensation — fiscal year 2026

DirectorCash feesStock awardsOption awardsNon-equity incentiveAll otherTotal
Joshua G. WelchIndependent · Board Chair · Audit and Compliance · Finance · Special$127,500$0$150,000$0$0$277,500
Ann G. BordelonIndependent · Audit and Compliance · Compensation and Human Capital · Not standing for re-election70,833150,000000220,833
Daniel J. EnglanderIndependent · Audit and Compliance · Compensation and Human Capital (Chair) · Finance65,0000150,00000215,000
Dawn C. MorrisIndependent · Audit and Compliance · Nominating and Governance (Chair)62,500150,000000212,500
Jonathan Z. BubaIndependent · Audit and Compliance · Finance (Chair) · Nominating and Governance · Special00212,50000212,500
Julia K. DavisNot independent · Departed during FY50,000150,000000200,000
Jeffrey A. WilliamsNot independent50,000150,000000200,000
Brandi N. JoplinIndependent · Audit and Compliance (Chair)33,33389,589000122,922
Douglas W. CampbellEmployee director—————0
Michael J. WartellIndependent · Special · Newly elected——————
Gilbert E. NathanIndependent · Special · Newly elected——————
Adam C. PaulIndependent · Special (Chair) · Newly elected——————
09

Board fee structure and ownership guideline

Annual cash retainer—
Annual equity retainer—
Per board meeting fee—
Committee chair fees (audit / comp / nom-gov)—
Stock ownership guideline—
09b

Total cost of the board

ComponentFY2026
Cash retainers and fees$459,166
Equity awards (grant-date value)$689,589
All other compensation$0
Total cost of the board$1,148,755

Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.

10

Disclosed peer group — fiscal year 2026

The compensation peer group as the company disclosed it in its own proxy — the reference set behind the percentile above.

10a

Peer reciprocity

Of the companies Americas Carmart names as compensation peers, which name it back in their own disclosed peer groups. A peer set the market reciprocates reads differently from one selected in a single direction.

Reciprocity shown where the peer's own current proxy has been read — each mark is cited in the register to that peer's filing. A dash means the peer's current proxy was read and names no reciprocal group including Americas Carmart.

10b

Chief executive pay against the peer group

Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.

RankCompanyFYChief executiveSalaryStock awardsOption awardsNon-equity incentiveTotal
1Credit Acceptance Corporation2025Vinayak Hegde$147,671$61,633,600$0$0$62,567,647
2CarMax, Inc.2026William Nash927,2166,024,6955,249,987487,22614,245,563
3Sonic Automotive, Inc.2025David Bruton Smith1,737,2763,979,21605,646,14711,830,626
4OPENLANE, Inc.2025Peter Kelly773,0007,494,00701,932,50010,233,134
5PROG Holdings, Inc.2025Steven Michaels1,000,0007,424,43201,408,5009,880,430
6Carvana Co.2025Ernest C. Garcia, III961,6747,419,121008,382,555
7Green Dot Corporation2024George Gresham818,2706,687,6350619,0018,132,670
8Upbound Group, Inc.2025Fahmi Karam1,081,1835,024,04201,221,0007,363,260
9Monro, Inc.2026Peter Fitzsimmons290,7693,802,4000107,2516,539,830
10EZCORP, Inc.2025Lachlan Given750,0003,472,92001,530,0005,885,735
11Consumer Portfolio Services, Inc.2025Charles Bradley995,00001,139,7903,283,5005,439,647
12OneWater Marine, Inc.2025Anthony Aisquith800,0002,520,04001,180,0004,545,986
13World Acceptance Corporation2026J. Tobin Turner364,6622,564,635002,961,396
14Haverty Furniture Companies, Inc.2025Steven Burdette650,0001,072,1920844,3502,635,789
15Atlanticus Holdings Corporation2025Jeffrey Howard850,000238,503002,099,003
16Americas Carmart2026Douglas Campbell800,00000746,7601,574,534
17Camping World Holdings, Inc.2025Matthew Wagner300,000——925,1141,282,701
—Lazydays Holdings, Inc.——————not in coverage universe

Each peer's compensation is from its most recently filed proxy; fiscal years differ by company. Each peer's figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.

10c

Incentive design against the same peers

CompanyAnnual incentive payoutLong-term vehicle mixPSU measures include TSRCompensation consultant
Americas Carmartnot disclosednot disclosednot disclosedCompensia, Inc.
Atlanticus Holdings Corporationnot disclosedRSU 100not disclosednot disclosed
Camping World Holdings, Inc.not disclosednot disclosednot disclosedMeridian
CarMax, Inc.30%PSU 50 · Options 50NoSemler Brossy
Carvana Co.not disclosedRSU 100not disclosedKorn Ferry
Consumer Portfolio Services, Inc.not disclosedOption 100not disclosednot disclosed
Credit Acceptance Corporationnot disclosedRSU 100not disclosednot disclosed
EZCORP, Inc.not disclosedPRSU 80 · RSU 20not disclosedMercer (US) Inc.
Green Dot Corporation50.4%PRSU 75 · RSU 25Yes — Relative TSR vs. S&P 1500 Financials IndexMercer
Haverty Furniture Companies, Inc.not disclosedPRSU 80 · RSU 20not disclosedMeridian Compensation Partners, LLC
Lazydays Holdings, Inc.not disclosednot disclosednot disclosednot disclosed
Monro, Inc.not disclosednot disclosednot disclosednot disclosed
OneWater Marine, Inc.not disclosednot disclosednot disclosedAon
OPENLANE, Inc.200%not disclosedYes — Relative TSRExequity
PROG Holdings, Inc.not disclosedPSU 70 · RSU 30Yes — Relative TSRExequity LLP
Sonic Automotive, Inc.not disclosedRSU 100not disclosedWillis Towers Watson
Upbound Group, Inc.not disclosedPSU 75 · RSU 25Yes — three-year TSR compared to the S&P 1500 Specialty Retail IndexKorn Ferry, Inc.
World Acceptance Corporationnot disclosednot disclosedNonot disclosed

Read from each company's Compensation Discussion and Analysis: annual incentive payout as a percentage of target, the disclosed long-term vehicle mix, whether performance-share measures include a total shareholder return component, and the retained compensation consultant. “Not disclosed” appears only where the company's filing does not state the item.

10d

Frequently asked questions

Who was the highest-paid executive at Americas Carmart in fiscal 2026?
As disclosed, Douglas Campbell (President, Chief Executive Officer) was the highest-paid executive at Americas Carmart in fiscal 2026, with total compensation of $1,574,534.
How does Americas Carmart's chief executive pay compare to its disclosed peer group?
As disclosed, Douglas Campbell's total compensation ranked at the 6th percentile of Americas Carmart's disclosed peer group.
What is Americas Carmart's CEO-to-median employee pay ratio?
As disclosed, Americas Carmart's CEO-to-median employee pay ratio was 42:1.
How much does Americas Carmart spend in total on board compensation for fiscal 2026?
As disclosed, Americas Carmart reported total board compensation of $1,148,755 for fiscal 2026.

Answers are drawn only from the figures disclosed in this brief and cited to their location in the source filing. Where a figure required for an answer is not disclosed, that is stated rather than estimated.

11

Source register

Each figure's location is given both for the eye (section · page · table · row · column) and for a script (table/row/column index and exact character span in the filed document). Any figure can be independently confirmed against the source.

#SupportsDocumentFiledAccessionLocation in document
1Section 01, Douglas CampbellDEF 14A2026-08-140001628280-26-057070Section “Executive Compensation”. As printed: 1,574,534. Filing ↗machine: r3 · c31 · span 449734–449743
2Section 01, Jonathan CollinsDEF 14A2026-08-140001628280-26-057070Section “Executive Compensation”. As printed: 1,361,366. Filing ↗machine: r6 · c31 · span 465667–465676
3Section 01, Jamie FischerDEF 14A2026-08-140001628280-26-057070Section “Executive Compensation”. As printed: 1,208,821. Filing ↗machine: r7 · c31 · span 472123–472132
4Section 03, Jonathan Collins OPTIONDEF 14A2026-08-140001628280-26-057070Section “Executive Compensation” · grants of plan-based awards table. Filing ↗machine: span 463026–463033
5Section 03, Jonathan Collins RSUDEF 14A2026-08-140001628280-26-057070Section “Executive Compensation” · grants of plan-based awards table. Filing ↗machine: span 462440–462447
6Section 03, Jamie Fischer OPTIONDEF 14A2026-08-140001628280-26-057070Section “Executive Compensation” · grants of plan-based awards table. Filing ↗machine: span 469157–469164
7Section 03, Jamie Fischer RSUDEF 14A2026-08-140001628280-26-057070Section “Executive Compensation” · grants of plan-based awards table. Filing ↗machine: span 468496–468503
8Section 07, pay ratioDEF 14A2026-08-140001628280-26-057070Section “CEO Pay Ratio”. As printed: 42 : 1. Filing ↗
9Section 08, Joshua G. WelchDEF 14A——Section “Director Compensation”. As printed: 277,500.
10Section 08, Ann G. BordelonDEF 14A2026-08-140001628280-26-057070Section “Director Compensation”. As printed: 220,833. Filing ↗machine: span 296220–296351
11Section 08, Daniel J. EnglanderDEF 14A——Section “Director Compensation”. As printed: 215,000.
12Section 08, Dawn C. MorrisDEF 14A——Section “Director Compensation”. As printed: 212,500.
13Section 08, Jonathan Z. BubaDEF 14A2026-08-140001628280-26-057070Section “Director Compensation”. As printed: 212,500. Filing ↗machine: span 298537–298668
14Section 08, Julia K. DavisDEF 14A2026-08-140001628280-26-057070Section “Director Compensation”. As printed: 200,000. Filing ↗machine: span 306327–306458
15Section 08, Jeffrey A. WilliamsDEF 14A——Section “Director Compensation”. As printed: 200,000.
16Section 08, Brandi N. JoplinDEF 14A——Section “Director Compensation”. As printed: 122,922.
17Section 08, Douglas W. CampbellDEF 14A2026-08-140001628280-26-057070Section “Director Compensation”. As printed: 0. Filing ↗
18Section 08, Michael J. WartellDEF 14A——Section “Director Compensation”. As printed: —.
19Section 08, Gilbert E. NathanDEF 14A2026-08-140001628280-26-057070Section “Director Compensation”. As printed: —. Filing ↗
20Section 08, Adam C. PaulDEF 14A——Section “Director Compensation”. As printed: —.
21Section 01 trend, Δ column (computed)Computed——Δ = current-FY total − prior-FY total per named officer.machine: formula: Δ = FY(n) − FY(n−1)
22Section 03b vehicle mix (computed)Computed——RSU / PSU / Options grant-date fair values summed per officer from the grants table; % performance-vested = PSU ÷ (RSU+PSU+Options).machine: formula: sums + PSU ratio
23Section 09b board cost (computed)Computed——Cash 459,166 + equity 689,589 + all other 0 = 1,148,755, summed across the director compensation table rows.machine: formula: Σ = 1,148,755
24Credit Acceptance Corporation, Section 10b CEO totalDEF 14A2026-04-280000885550-26-000073CEO total compensation as printed in Credit Acceptance Corporation's own proxy. As printed: 62,567,647. Filing ↗machine: span 275912–275922
25CarMax, Inc., Section 10b CEO totalDEF 14A2026-05-120001170010-26-000045CEO total compensation as printed in CarMax, Inc.'s own proxy. As printed: 14,245,563. Filing ↗machine: r13 · c45 · span 642071–642081
26Sonic Automotive, Inc., Section 10b CEO totalDEF 14A2026-03-060001628280-26-015631CEO total compensation as printed in Sonic Automotive, Inc.'s own proxy. As printed: 11,830,626. Filing ↗machine: span 432590–432600
27OPENLANE, Inc., Section 10b CEO totalDEF 14A2026-04-240001104659-26-048054CEO total compensation as printed in OPENLANE, Inc.'s own proxy. As printed: 10,233,134. Filing ↗machine: r1 · c24 · span 1027249–1027260
28PROG Holdings, Inc., Section 10b CEO totalDEF 14A2026-03-260001808834-26-000053CEO total compensation as printed in PROG Holdings, Inc.'s own proxy. As printed: 9,880,430. Filing ↗machine: r2 · c48 · span 827603–827612
29Carvana Co., Section 10b CEO totalDEF 14A2026-03-250001690820-26-000024CEO total compensation as printed in Carvana Co.'s own proxy. As printed: 8,382,555. Filing ↗machine: t63 · r3 · c17 · span 494349–494358
30Green Dot Corporation, Section 10b CEO totalDEF 14A2025-04-110001386278-25-000020CEO total compensation as printed in Green Dot Corporation's own proxy. As printed: 8,132,670. Filing ↗
31Upbound Group, Inc., Section 10b CEO totalDEF 14A2026-04-210001104659-26-045736CEO total compensation as printed in Upbound Group, Inc.'s own proxy. As printed: 7,363,260. Filing ↗machine: span 816994–817003
32Monro, Inc., Section 10b CEO totalDEF 14A2026-07-020001193125-26-293555CEO total compensation as printed in Monro, Inc.'s own proxy. As printed: 6,539,830. Filing ↗machine: r4 · c39 · span 623569–623578
33EZCORP, Inc., Section 10b CEO total10-K2025-11-130000876523-25-000094CEO total compensation as printed in EZCORP, Inc.'s own proxy. As printed: 5,885,735. Filing ↗machine: span 2687686–2687695
34Consumer Portfolio Services, Inc., Section 10b CEO totalDEF 14A2026-09-300001683168-26-007507CEO total compensation as printed in Consumer Portfolio Services, Inc.'s own proxy. As printed: 5,439,647. Filing ↗machine: span 181482–181491
35OneWater Marine, Inc., Section 10b CEO totalDEF 14A2026-01-090001772921-26-000010CEO total compensation as printed in OneWater Marine, Inc.'s own proxy. As printed: 4,545,986. Filing ↗machine: span 272162–272171
36World Acceptance Corporation, Section 10b CEO totalDEF 14A2026-07-220000108385-26-000029CEO total compensation as printed in World Acceptance Corporation's own proxy. As printed: 2,961,396. Filing ↗machine: r18 · c27 · span 390709–390718
37Haverty Furniture Companies, Inc., Section 10b CEO totalDEF 14A2026-03-270001628280-26-021584CEO total compensation as printed in Haverty Furniture Companies, Inc.'s own proxy. As printed: 2,635,789. Filing ↗machine: r7 · c33 · span 460464–460473
38Atlanticus Holdings Corporation, Section 10b CEO totalDEF 14A2026-04-100001437749-26-012028CEO total compensation as printed in Atlanticus Holdings Corporation's own proxy. As printed: 2,099,003. Filing ↗machine: r5 · c23 · span 228717–228726
39Americas Carmart (subject), Section 10b CEO totalDEF 14A2026-08-140001628280-26-057070CEO total compensation as printed in Americas Carmart's own proxy. As printed: 1,574,534. Filing ↗machine: r3 · c31 · span 449734–449743
40Camping World Holdings, Inc., Section 10b CEO totalDEF 14A2026-04-090001104659-26-041491CEO total compensation as printed in Camping World Holdings, Inc.'s own proxy. As printed: 1,282,701. Filing ↗
41Section 10a, Green Dot Corporation reciprocityDEF 14A—0001386278-25-000020Green Dot Corporation's most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
42Section 10a, Sonic Automotive, Inc. reciprocityDEF 14A—0001628280-26-015631Sonic Automotive, Inc.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
43Section 10a, Carvana Co. reciprocityDEF 14A—0001690820-26-000024Carvana Co.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
44Section 10a, Monro, Inc. reciprocityDEF 14A—0001193125-26-293555Monro, Inc.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
45Section 10a, EZCORP, Inc. reciprocityDEF 14A—0000876523-25-000094EZCORP, Inc.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
46Section 10a, Haverty Furniture Companies, Inc. reciprocityDEF 14A—0001628280-26-021584Haverty Furniture Companies, Inc.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
47Section 10a, Camping World Holdings, Inc. reciprocityDEF 14A—0001104659-26-041491Camping World Holdings, Inc.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
48Section 10a, PROG Holdings, Inc. reciprocityDEF 14A—0001808834-26-000053PROG Holdings, Inc.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
49Section 10a, Upbound Group, Inc. reciprocityDEF 14A—0001104659-26-045736Upbound Group, Inc.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
50Section 10a, CarMax, Inc. reciprocityDEF 14A—0001170010-26-000045CarMax, Inc.'s most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗
51Section 10a, OneWater Marine, Inc. reciprocityDEF 14A—0001772921-25-000007OneWater Marine, Inc. names Americas Carmart in its own disclosed peer group (read from its most recent proxy). Filing ↗
52Section 10a, Credit Acceptance Corporation reciprocityDEF 14A—0000885550-20-000054Credit Acceptance Corporation's most recent proxy was read; its disclosed peer group does not include Americas Carmart. Filing ↗

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