In Q4 2025, World Acceptance Corporation (WRLD) reported a total revenue of $165.27 million, reflecting a year-over-year increase of 3.77%. Operating income rose by 15.15% to $67.21 million, indicative of improved operational efficiency amid a challenging market. Notably, net income surged by 26.29% to $44.28 million, supported by a one-time benefit from share-based compensation accrual release. Despite a 4% contraction in the outstanding ledger, the company's customer base expanded by 3.5%, marking the first customer growth since FY2022. This positive trend in customer acquisition underscores the effectiveness of management's strategic initiatives aimed at enhancing customer engagement and retention. However, current and prospective investors should remain vigilant about the persistent elevated delinquency rates and the accompanying impacts on overall financial health.