World Acceptance Q4 net income falls 18% to $36.5M; gross loans up 4.4% YoY

WORLD ACCEPTANCE CORP

Net income $36.5M ($7.70 diluted EPS) vs $44.3M ($8.13) in Q4 FY25, a decline of $7.8M.
Gross loans outstanding $1.28B, +4.4% YoY; new customer loans decreased to 8.2% of portfolio.
Provision for credit losses $36.8M (+$3.8M YoY); net charge-offs 18.7% of avg loans vs 18.5%.
G&A expenses $81.5M (+23.6%); personnel expense up 33.2% due to share-based comp and hiring.
FY26 net income $35.0M ($6.97 EPS) vs $89.7M ($16.30) in FY25; debt-to-equity ratio 1.7:1.

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.95

WORLD ACCEPTANCE CORP reported fourth quarter of fiscal 2026 results: revenue Total revenues for the fourth quarter of fiscal 2026 increased to $177.6 million, net income The fourth quarter's $36.5 million net income was a $7.8 million decrease from net income of $44.3 million for the same, EPS Net income per diluted share was $7.70 in the fourth quarter of fiscal 2026.

Period: fourth quarter of fiscal 2026
Revenue: Total revenues for the fourth quarter of fiscal 2026 increased to $177.6 million
Net income: The fourth quarter's $36.5 million net income was a $7.8 million decrease from net income of $44.3 million for the same
EPS: Net income per diluted share was $7.70 in the fourth quarter of fiscal 2026
Result: reported results

Exact text from the filing

The fourth quarter's $36.5 million net income was a $7.8 million decrease from net income of $44.3 million for the same quarter of the prior year. Net income per diluted share was $7.70 in the fourth quarter of fiscal 2026, as compared to net income per diluted share of $8.13 for the same quarter of the prior year.

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Source: SEC EDGAR

accession 0001437749-26-013984

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