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World Acceptance Corporation

World Acceptance Corporation

NASDAQ•WRLD
CEO: Mr. Ravin Chad Prashad
Sector: Financial Services
Industry: Financial - Credit Services
Listing Date: 1991-11-26
World Acceptance Corporation engages in consumer finance business in the United States. The company provides short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It offers income tax return preparation and filing services; and automobile club memberships. It serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.
Contact Information
104 South Main Street, Greenville, SC, 29601, United States
864-298-9800
www.loansbyworld.com
Market Cap
$751.73M
P/E (TTM)
12.9
27.3
Dividend Yield
--
52W High
$185.48
52W Low
$104.99
52W Range
47%
Rank49Top 53.8%
3.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q2 2026 Data

Revenue

$134.47M+2.33%
4-Quarter Trend

EPS

-$0.38-109.38%
4-Quarter Trend

FCF

$47.71M-9.38%
4-Quarter Trend

2026 Q2 Earnings Highlights

Key Highlights

Quarterly Revenue Increased Modestly Total revenues reached $134.5M for the quarter, marking a 2.3% increase over the prior year period.
Gross Loan Portfolio Expansion Gross loans receivable grew to $1.315B as of September 30, 2025, showing substantial sequential growth.
Operating Cash Flow Improved Net cash provided by operating activities totaled $106.8M for the six months ended September 30, 2025.
Credit Loss Metrics Stabilized Annualized net charge-offs decreased to 17.1% for the quarter, down from 17.6% year ago comparison.

Risk Factors

Significant G&A Expense Surge General and administrative expenses increased 55.3% to $72.0M for the quarter, driven by incentive costs.
Quarterly Net Loss Recorded The Company reported a net loss of $(1.95M) for the three months ended September 30, 2025.
Increased Credit Loss Provision Provision for credit losses rose 6.8% to $49.8M for the quarter, reflecting new loan growth impact.
Increased Revolving Debt Usage Borrowings on the Revolving Credit Facility increased substantially to $584.6M outstanding at period end.

Outlook

Senior Notes Fully Redeemed Completed full redemption of 7.0% senior unsecured notes on August 29, 2025, incurring $3.7M loss.
New Credit Facility Established Entered new three-year Revolving Credit Facility providing $640.0M aggregate commitments until July 2028.
Share Repurchase Capacity Remains Board authorized $100.0M repurchase program; $33.4M capacity remains available as of September 30, 2025.
Warehouse Facility Secured Entered $175.0M Warehouse Facility secured by consumer loan receivables, maturing September 2027.

Peer Comparison

Revenue (TTM)

LexinFintech Holdings Ltd.LX
$1.95B
-0.3%
EZCORP, Inc.EZPW
$1.27B
+9.7%
NerdWallet, Inc.NRDS
$795.00M
+24.7%

Gross Margin (Latest Quarter)

Atlanticus Holdings CorporationATLC
96.3%
-0.2pp
NerdWallet, Inc.NRDS
92.9%
+2.1pp
EZCORP, Inc.EZPW
59.0%
-0.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
EZPW$1.11B10.711.9%39.2%
TMP$1.08B12.711.2%6.2%
OSBC$1.08B15.39.6%4.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-1.0%
Flat Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 27, 2026
|
EPS:$0.58
|
Revenue:$133.49M
Reports
All Years

  • Form 10-Q - Q2 2026

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $134.47M+2.3%
    |
    EPS: $-0.38-109.4%
    Miss

  • Form 10-Q - Q1 2026

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $132.45M+2.3%
    |
    EPS: $0.26-85.7%
    Miss

  • Form 10-K - FY 2025

    Period End: Mar 31, 2025|Filed: May 22, 2025|
    Revenue: $564.84M-1.5%
    |
    EPS: $16.54+23.0%
    Beat

  • Form 10-Q - Q3 2025

    Period End: Dec 31, 2024|Filed: Feb 6, 2025|
    Revenue: $138.63M+0.6%
    |
    EPS: $2.46-14.9%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $131.41M-4.0%
    |
    EPS: $4.05+45.7%
    Meet

  • Form 10-Q - Q1 2025

    Period End: Jun 30, 2024|Filed: Aug 8, 2024|
    Revenue: $129.53M-7.0%
    |
    EPS: $1.82+10.3%
    Miss

  • Form 10-K - FY 2024

    Period End: Mar 31, 2024|Filed: May 23, 2024|
    Revenue: $573.21M-7.0%
    |
    EPS: $13.45+264.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Dec 31, 2023|Filed: Feb 7, 2024|
    Revenue: $137.75M-6.0%
    |
    EPS: $2.89+186.1%
    Beat