WRLD
World Acceptance
Q1 2026 Report
World Acceptance Corporation (WRLD) Financial Results Q1 2026: Strategic Growth Amid Seasonality...
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Executive Summary
World Acceptance Corporation (WRLD) demonstrated solid performance in the third quarter of fiscal 2025, achieving revenue of $138.6 million, an impressive growth compared to the previous year. After undergoing a comprehensive rightsizing and de-risking strategy, the company has returned to pre-pandemic portfolio growth norms, increasing its customer base by 7% year-over-year. Management noted significant improvements in yields, which rose over 200 basis points, with a steady portfolio demonstrating low default rates. The quarter’s results affirm a stabilized operational framework, paving the way for future growth in fiscal 2026.
Moreover, the overall positive trend in net income, despite a year-over-year decline, reflects strategic repositioning toward higher-quality customers with manageable lending terms. This foundational shift is expected to enhance long-term profitability, making the outlook optimistic for shareholders.
Key Performance Indicators
Revenue
138.63B
QoQ: 105 397.15% | YoY:100 541.28%
Gross Profit
137.69B
99.32% margin
QoQ: 1 145.97% | YoY:101 902.63%
Operating Income
66.02B
QoQ: 171 905.91% | YoY:91 803.77%
Net Income
13.39M
QoQ: -39.50% | YoY:-19.66%
EPS
2.46
QoQ: -39.26% | YoY:-14.88%
Revenue Trend
Margin Analysis
Key Insights
- **Revenue**: $138.63 million (YoY: 100.54%, QoQ: 105.40%)
- **Net Income**: $13.39 million (YoY: -19.66%, QoQ: -39.50%)
- **EPS**: $2.46 (YoY: -14.88%, QoQ: -39.26%)
- **Operating Income**: $66.02 million with an operating margin of 47.62% (YoY: 91,803.77%, QoQ: 171,905.91%)