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World Acceptance (WRLD) investor relations material
World Acceptance Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary23 Oct, 2025
Executive summary
Achieved highest new customer growth in four years, with a 35% year-over-year increase in the new customer portfolio at Q2 end; customer base expanded 6.2% year-over-year, and unique borrowers rose 5.8%.
Gross loans outstanding increased 1.5% year-over-year to $1.32 billion as of September 30, 2025, reversing a prior year decline and reflecting sequential growth of 4.0% from the previous quarter.
Net loss for the quarter was $1.9 million, a significant decrease from net income of $22.1 million in the prior year, mainly due to early bond redemption and increased share-based compensation expense.
New customer origination volume up 40% year-over-year in Q2; year-to-date up 35%, returning to pre-COVID levels.
Repurchased $66.6 million in shares (7.4% of outstanding shares) and established a $175 million warehouse facility.
Financial highlights
Total revenues rose 2.3% year-over-year to $134.5 million; interest and fee income up 4.4% to $119.0 million.
Provision for credit losses rose 6.8% to $49.8 million, reflecting growth in new, higher-risk customers.
General and administrative expenses surged 55.3% to $72.0 million, mainly due to a $24.0 million increase in share-based compensation.
Incurred a $3.7 million one-time expense from early bond redemption, impacting EPS by $0.57 after tax.
Net charge-offs for the quarter were $41.1 million (17.1% of average net loans receivable annualized), down from $41.9 million (17.6%) year-over-year.
Outlook and guidance
Management expects solid returns on recent loan originations based on early payment performance and yield.
Long-term incentive compensation expense will remain around $5.8 million in Q3, then decrease by $2 million in Q4 and subsequent two quarters.
Targeting modest portfolio growth in the mid to low single digits and customer base growth in the mid to high single digits.
Investments in portfolio growth and early bond redemption are expected to position the company for improved results in fiscal 2027 and beyond.
The company believes cash flow from operations and available credit will be sufficient to fund growth and capital needs for the foreseeable future.
How does the portfolio shift affect credit risk?
Assess the sustainability of current G&A levels.
Explain the capital structure strategy.
Detail future LTIC expense trajectory.
What drives the increased share repurchase capacity?
How does consumer health impact credit box changes?
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Next World Acceptance earnings date
Q3 202627 Jan, 2026
Next World Acceptance earnings date
Q3 202627 Jan, 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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