World Acceptance Corporation Reports Strong Q4 Earnings

World Acceptance ( (WRLD) ) has released its Q4 earnings. Here is a breakdown of the information World Acceptance presented to its investors.

World Acceptance Corporation, a finance company specializing in personal installment loans and tax preparation services, operates over 1,000 branches across 16 states, primarily serving customers with limited access to credit.

In its fiscal 2025 fourth quarter earnings report, World Acceptance Corporation announced a notable increase in earnings, driven by higher tax preparation revenue and a partial forfeiture of performance-based restricted shares. This led to an EPS of $16.36 per diluted share on a rolling four-quarter basis, with total revenues reaching $165.3 million.

Key financial highlights include a net income of $44.3 million and a diluted net income per share of $8.13. The company saw a 3.5% increase in its customer base, although gross loans outstanding decreased by 4.0% year-over-year. Despite a decrease in large loan portfolios, the company reported a 110 basis point increase in interest and insurance yields. General and administrative expenses decreased by 7.9%, contributing to improved profitability.

Looking ahead, World Acceptance Corporation plans to continue refining its loan portfolio by increasing small loan volumes and maintaining tighter underwriting standards for large loans. The company anticipates further improvements in portfolio gross and net yield, reflecting a cautious yet optimistic outlook.

Overall, World Acceptance Corporation’s strategic adjustments and financial performance in the fourth quarter of fiscal 2025 suggest a focus on sustainable growth and profitability, positioning the company for continued success in the coming fiscal year.