WRLD · World Acceptance Corp
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AI Brief
Q1 FY27 earnings call · Jul 24, 2026TL;DR. WRLD reported fiscal Q1 revenue up 4.8% to $139.2M, adjusted EPS of $2.12, and lower credit losses, with annualized net charge-offs falling to 18.2% from 19.4%, though results included $4.6M in CEO transition costs.
- + Revenue grew 4.8% year-over-year to $139.2 million, helped by a 91 bps increase in interest and insurance yields.
- + Adjusted EPS rose to $2.12 (adjusted net income of $9.7M) on lower credit costs.
- + Annualized net charge-off rate improved to 18.2% from 19.4%, indicating better credit quality.
- + Delinquency improved across buckets, with 0–60 day recency delinquency falling to 18.1% from 19.2% and 61+ day delinquency to 5.2% from 5.4%.
- − GAAP net income of $6.1M ($1.33 diluted EPS) and the quarterly results were weighed down by $4.6M in CEO transition-related expenses.
- − G&A expenses rose 8.2% to $76.1M and climbed to 54.7% of revenue from 53.0%, with personnel expense up 11.1%.
- − New customer loan volume plunged 40.1% to $24.9M as underwriting was tightened, with the customer base down 1.9% year over year.
- − Interest expense rose 18.6%, and debt to equity climbed to 1.6:1 from 1.1:1, with average debt outstanding up 27.6% to $582.3M.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
WRLD
this stock
World Acceptance Corp
|
$802.02M | +21.6% | +3.7% | 20.7 | 8.9% |
|
V
Visa Inc.
|
$655.56B | +2.5% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$497.27B | -3.4% | +16.4% | 31.2 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -17.8% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -20.3% | +36.6% | 11.7 | 1.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| WRLD | +0.4% | -5.3% | +10.6% | -7.1% | +21.7% |
| SPY | -0.7% | +0.1% | +12.2% | -0.6% | +11.8% |
| vs SPY | +1.1% | -5.4% | -1.5% | -6.5% | +9.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.