earnings
confidence high
sentiment positive
materiality 0.80
World Acceptance Q4 net income $44.3M, EPS $8.13; revenue $165.3M up 3.8% YoY
WORLD ACCEPTANCE CORP
2025-FY EPS
reported $16.30
vs consensus $0.80
▲ beat
(+1948.8%)
- Net income of $44.3M ($8.13 diluted EPS) vs $35.1M ($6.09) in Q4 FY2024.
- Total revenue $165.3M (+3.8% YoY); interest and fee income $117.6M (+1.2%).
- Gross loans $1.23B (-4.0% YoY); customer base +3.5%; same-store loans -2.5%.
- Provision for credit losses $33.0M (up $3.7M); 90-day delinquency 3.7% vs 3.1% year ago.
- G&A expenses $65.9M (-7.9% YoY); company repurchased $32M in shares in Q4.