WRLD
World Acceptance
Q1 2026 Report
World Acceptance Corporation (WRLD) Financial Results Q1 2026: Strategic Growth Amid Seasonality...
Read full report
Executive Summary
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.
Key Performance Indicators
Revenue
165.27M
QoQ: -99.88% | YoY:3.77%
Gross Profit
132.25M
80.02% margin
QoQ: -99.90% | YoY:-15.49%
Operating Income
67.22M
QoQ: -99.90% | YoY:15.15%
Net Income
44.28M
QoQ: 230.72% | YoY:26.29%
EPS
8.13
QoQ: 230.49% | YoY:29.87%
Revenue Trend
Margin Analysis
Key Insights
- **Revenue:** $165.27 million, vs. $159.29 million in Q4 2024 (YoY +3.77%)
- **Operating Income:** $67.22 million, vs. $58.49 million in Q4 2024 (YoY +15.15%)
- **Net Income:** $44.28 million, vs. $35.01 million in Q4 2024 (YoY +26.29%)
- **EPS:** $8.13, vs. $6.26 in Q4 2024 (YoY +29.87%)
- **Gross Profit Margin:** 80.02%