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World Acceptance
World Acceptance (WRLD) investor relations material
World Acceptance Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Jan, 2026
Executive summary
New customer originations increased 16%–16.6% in the quarter, with a 25% rise in outstanding ledger for active new customers year-over-year.
Gross loans outstanding grew 1.5% year-over-year to $1.4 billion, reversing prior declines, and the unique customer base increased 4.1%–5.4% year-over-year.
Net loss for the quarter was $0.9 million, down from net income of $13.4 million in the prior year, mainly due to higher credit loss provisions and share-based compensation.
Revenues increased 1.9% year-over-year to $141.3 million, driven by higher interest and fee income from increased loan balances and yields.
Branch operations and personnel management remain a focus, with leadership transition underway.
Financial highlights
Organic ledger growth was 2.4%–2.5% year-over-year, compared to a decline last year.
Interest and fee income rose 2.7%–2.9% year-over-year, with gross yields improving by 84 basis points.
Provision for credit losses increased 16.6% to $51.4 million, reflecting loan growth and higher net charge-offs.
General and administrative expenses rose 16.1% to $78.1 million, with personnel expense up 24.9% due to higher headcount and share-based compensation.
Nearly 600,000 shares repurchased, reducing outstanding shares by 11% in the first nine months; $60 million repurchase capacity remains.
Outlook and guidance
Investments in new customer growth are expected to yield improved profitability and lower charge-offs as new customers gain tenure.
Expectation of continued improvement in yields due to better rates, disciplined underwriting, and customer retention.
Anticipation of a strong tax season with increased filing volume and larger refunds, driven by tax law changes.
Incentive compensation expenses projected to decrease starting Q4, with a planned 3%-5% reduction in headcount.
Management believes cash flow from operations and available credit will be sufficient to fund growth and capital needs.
How will future growth mix impact profitability?
Reconcile higher charge-offs with lower delinquency
What is the plan for G&A cost reduction?
New customer segment: What's the long-term ROI?
G&A expense trend for coming quarters?
Credit card cap: What's the business impact?
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Next World Acceptance earnings date
Q4 202629 Apr, 2026
World Acceptance
Next World Acceptance earnings date
Q4 202629 Apr, 2026
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Frequently asked questions
World Acceptance Corporation provides small loans and related credit insurance products to individuals. Its services include personal installment loans, income tax preparation, and ancillary financial products. The company is headquartered in Greenville, South Carolina, and its shares are listed on the NASDAQ.
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