World Acceptance Q3 net income falls to $13.4M ($2.45 EPS) from $16.7M; revenue up 0.6%

WORLD ACCEPTANCE CORP

2025-Q3 EPS reported $8.23 vs consensus $1.52 ▲ beat (+441.5%)

Total revenues $138.6M (+0.6% YoY); net income $13.4M vs $16.7M prior year.
Provision for credit losses rose to $44.1M from $40.6M; net charge-offs improved to 17.2% of avg loans from 19.1%.
Gross loans $1.38B (-1.4% YoY) but up 6.6% sequentially; 90+ day delinquency improved to 3.4% from 3.7%.
G&A expenses $67.2M (+2.0% YoY); interest expense down 3.4%; debt/equity ratio 1.3:1 vs 1.4:1.
Nine-month net income $45.5M ($8.23 diluted EPS) vs $42.3M ($7.17) prior year.

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