World Acceptance reports Q2 EPS 25c vs. $1.79 last year
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 24 2025
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Q2 Revenue Performance: The company reported a Q2 revenue of $132.45 million, surpassing the consensus estimate of $122.38 million.
Impact on Net Income: Net income was adversely affected due to an increase in the provision for credit losses.
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About WRLD
World Acceptance Corporation is a people-focused finance company that provides personal installment loan solutions and personal tax preparation and filing services. The Company generally serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses and credit card lenders. The Company, as an agent for an unaffiliated insurance company, markets and sells credit life, credit accident and health, credit property and auto, unemployment, and accidental death and dismemberment insurance in connection with its loans in selected states where the sale of such insurance is permitted by law. It offers automobile club memberships to its borrowers in Alabama, Georgia, Idaho, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Oklahoma, Tennessee, Texas, South Carolina, Utah and Wisconsin, as an agent for an unaffiliated automobile club. The Company operates approximately 1,000 community-based branches across 16 states.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
World Acceptance Q3 Earnings Report Analysis
- Earnings Performance: World Acceptance reported a Q3 GAAP EPS of -$0.19, missing expectations by $0.95, indicating pressure on profitability that may affect investor confidence.
- Revenue Growth: The company achieved revenue of $141.3M, a 1.9% year-over-year increase, surpassing market expectations by $8.16M, suggesting some revenue growth potential in a competitive market.
- Customer Base Expansion: As of December 31, 2025, the customer base grew by 4.1% year-over-year, demonstrating success in attracting new customers despite declining overall profitability.
- Increased Credit Loss Provision: The provision for credit losses rose from $44.1M to $51.4M, an increase of $7.3M, reflecting rising credit risk that could pose a threat to future financial health.
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World Acceptance Corporation to Host Q3 Earnings Call on January 27, 2026
- Earnings Call Schedule: World Acceptance Corporation will hold its third quarter earnings call on January 27, 2026, starting at 10:00 a.m. Eastern Time, during which the earnings report will be released to showcase the company's latest financial status.
- Live Broadcast and Replay: The conference call will be available for live streaming online, with a replay accessible for 30 days post-call, ensuring that investors and stakeholders can stay informed at their convenience.
- Company Background: Founded in 1962, World Acceptance Corporation focuses on providing personal installment loan solutions and personal tax preparation services to over one million customers annually, demonstrating its strong foundation in the financial services sector.
- Community Service Network: The company operates more than 1,000 community-based World Finance branches across 16 states, primarily serving individuals with limited access to credit, and is committed to helping customers achieve their financial goals and enhance their financial stability.
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