WRLD Earnings Prediction
The chart below shows how WRLD performed 10 days before and after its earnings report, based on data from the past quarters. Typically, WRLD sees a -8.64% change in stock price 10 days leading up to the earnings, and a -2.69% change 10 days following the report. On the earnings day itself, the stock moves by +6.99%. This data can give you a slight idea of what to expect for the next quarter's release.
WRLD Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
138.63M
0.64%
5.50%
Gross Margin
--
--
--
Operating Margin
11.59%
-15.59%
-44.68%
Net Margin
9.66%
-20.17%
-42.64%
EPS
2.45
-13.73%
-38.60%
No Data Available
WRLD Earnings Analysis
World Acceptance Corp Corporation (WRLD.O) Earnings Conference Call
Positive
Yield Improvement and Profitability: Yields improved by over 200 basis points year over year, indicating enhanced profitability across the portfolio.
Loan Portfolio Growth Recovery: The loan portfolio grew by 6.6% in Q3 compared to 1.5% growth in Q3 of fiscal 2024, demonstrating a strong recovery post-pandemic.
Customer Base Expansion: Customer base increased by 7% in Q3, compared to 3% growth in the same period last year, reflecting successful customer acquisition strategies.
Customer Approval Rate Increase: Approval rates for new customers surged by 47% year over year, showcasing improved marketing and acquisition efforts.
Loan Volume Surge: Non-refinance loan volume increased by over 18% in Q3 compared to fiscal 2024, highlighting robust demand and operational effectiveness.
Negative
Average Balance Decline: Year over year, the average balance has decreased by almost 5.1% from December 31, 2023, and by 12.6% from December 31, 2022, indicating a reduction in loan amounts per customer.
Loan Portfolio Shift: The large loan portfolio as a percent of the mix has shrunk to 48.2%, down from 55.2% last year, reflecting a significant shift away from larger loans which may impact overall revenue generation.
Loan Portfolio Challenges: Despite a 6.6% growth in the loan portfolio during Q3, this follows a trend of shrinking portfolios in three of the last four years, highlighting ongoing challenges in sustaining growth.
Credit Quality Improvement Opportunities: The company continues to see an opportunity to improve delinquency and charge-off rates, particularly related to the large loan portfolio, suggesting potential risks in credit quality.
Loan Term Increase Impact: The average term for new loans has increased to around 18 months, which may limit refinancing opportunities and reduce overall loan turnover, impacting revenue streams.
WRLD FAQs
How does WRLD typically perform around its earnings report dates?
Is World Acceptance Corp (WRLD) Q3 2025 Earnings Call Summary positive or negative?
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WRLD Earning Call Sentiment
Earnings call transcript: World Acceptance beats Q3 2025 forecasts
WRLD.O
2.39%Positive
The earnings call indicates strong financial performance with improved yields, customer base growth, and a strategic shift towards smaller loans. Despite macroeconomic risks, management is optimistic about credit quality and future revenue. While there is no explicit shareholder return plan, the positive trends in loan portfolio and customer growth, along with cautious optimism for the tax season, suggest a positive outlook. The Q&A session supports this sentiment, with analysts focusing on growth and yield improvements. Overall, the sentiment leans positive, with expectations of a stock price increase.
