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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
Originations for new customers increased 16.6% in the quarter, with a 25% year-over-year rise in outstanding ledger for active new customers, marking the highest new customer volume since Q3 2021.
Customer base expanded organically by 5.4% year-over-year, reversing previous declines and reaching the largest base since fiscal 2022.
Outstanding loans grew 1.5% year-over-year, reversing a multi-year decline, with organic growth at 2.5%.
Net loss of $0.9 million for the quarter, down from net income of $13.4 million in the prior year quarter.
Focus remains on long-term portfolio soundness, profitability, and improved branch operations.
Financial highlights
Organic ledger growth was 2.4% year-over-year, compared to a 2.4% decline last year.
Interest, fee, and insurance income increased $3.6 million (2.7%) year-over-year, with an 84 basis point yield increase.
Loan origination volume for new customers rose 16.6%, and for refinance customers 8.0% year-over-year.
Provision for credit losses increased $7.3 million to $51.4 million for the quarter.
Share count reduced by 11% in the first nine months through repurchase of nearly 600,000 shares.
Outlook and guidance
Expectation of continued yield improvement due to better rates, disciplined underwriting, and improved customer retention.
Investments in new customer growth are expected to yield improved profitability and lower charge-offs as new customers gain tenure.
Optimism for a strong tax season, with early signs of increased tax filing volume and revenue.
Anticipate further reduction in incentive compensation expenses starting Q4.
Anticipated 3-5% reduction in headcount as staffing levels are optimized.
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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