The earnings call presented a generally positive outlook with strong growth in new originations, customer base expansion, and improved credit performance. However, the constraints on stock repurchases due to outstanding bonds and the seasonal low in earnings were noted as challenges.

Company Guidance

During the World Acceptance Corporation's first quarter 2026 earnings call, several key metrics and strategic updates were highlighted. The company announced an increase in its credit agreement commitments to $640 million, which now allows for stock repurchases of up to 100% of net income, compared to the previous 50%, with an additional $100 million upfront repurchase allowance effective January 1, 2025. The net income since the beginning of 2025 is approximately $45 million. The company is also redeeming outstanding bonds issued in 2021, with $170 million remaining to be redeemed by the end of August. In terms of growth, the first quarter saw a 12.6% increase in new originations compared to the previous year, with a 12.8% increase in dollars lent in new originations. The customer base also grew by 4% compared to the first quarter of the previous year. Despite the growth, first pay default rates remain stable, and delinquency is improving, with gross yields increasing by over 230 basis points year-over-year. The company also mentioned the ongoing development and testing of the New World Finance Smile credit card. Overall, the company is optimistic about moderate growth, low acquisition costs, and strong credit performance, all contributing to enhanced shareholder value through EPS growth.

Increased Credit Agreement and Stock Repurchase Plan

The company completed a new credit agreement increasing commitments to $640 million, allowing for stock repurchases up to 100% of net income, up from 50% in the prior agreement, with a $100 million upfront repurchase allowance.

Strong Loan and Originations Growth

Loan growth and new originations increased by 12.6% over last year's first quarter, marking the highest volume of new originations since fiscal year 2020, with refinance volume also increasing by 10%.

Customer Base Expansion

The customer base increased by 4% compared to the first quarter of last year, marking the first positive growth in three years and the largest customer base since the first quarter of 2023.

Improved Credit Performance

Gross yields increased over 230 basis points year-over-year with stable first pay default rates and improving delinquency.

World Acceptance (WRLD) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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WRLD Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2026 (Q2)	1.49 / -	3.99	―	―	―
Jul 24, 2025	2026 (Q1)	2.16 / 0.25	1.79	-86.03% (-1.54)	―
Apr 29, 2025	2025 (Q4)	5.83 / 8.13	6.09	33.50% (+2.04)	―
Jan 28, 2025	2025 (Q3)	1.96 / 2.45	2.84	-13.73% (-0.39)	―
Oct 25, 2024	2025 (Q2)	1.99 / 3.99	2.71	47.23% (+1.28)	―
Jul 26, 2024	2025 (Q1)	- / 1.79	1.62	10.49% (+0.17)	―
May 02, 2024	2024 (Q4)	4.35 / 6.09	1.97	209.14% (+4.12)	―
Jan 19, 2024	2024 (Q3)	1.88 / 2.84	0.98	189.80% (+1.86)	―
Oct 20, 2023	2024 (Q2)	1.77 / 2.71	-0.24	1229.17% (+2.95)	―
Jul 21, 2023	2024 (Q1)	0.63 / 1.62	-1.53	205.88% (+3.15)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

WRLD Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$171.30	$154.82	-9.62%
Apr 29, 2025	$137.30	$141.97	+3.40%
Jan 28, 2025	$129.35	$150.39	+16.27%
Oct 25, 2024	$116.02	$115.30	-0.62%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does World Acceptance Corp (WRLD) report earnings?

World Acceptance Corp (WRLD) is schdueled to report earning on Oct 23, 2025, TBA (Confirmed).

What is World Acceptance Corp (WRLD) earnings time?

World Acceptance Corp (WRLD) earnings time is at Oct 23, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is WRLD EPS forecast?

WRLD EPS forecast for the fiscal quarter 2026 (Q2) is 1.49.

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