Despite mixed prices and sales in the used vehicle industry, Rogers-based America's Car-Mart, Inc., is anticipating a double-digit earnings decline and revenue growth in the third quarter of fiscal 2023.

• Sales up: Vehicle sales are expected to rise by 3% to 14,600 vehicles, and average retail sales are expected to increase by 7.5% to around $18,400. 
• Game plan: Credit loss rates are expected to rise by 12 percentage points from last year, helping drive Car-Mart's competitive advantage in the market combined with a renewed focus on expense optimization and customer-base expansion.

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