World Acceptance Corporation (WRLD) quarterly income statement — complete revenue, gross profit & net income history
World Acceptance Corporation (WRLD) annual income statement — 30-year revenue, gross profit & net income history
| Metric | Q1'27 | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 |
|---|
| Net Interest Income | 110.09M | 111.91M | 113.19M | 104.62M | 105.67M | 106.44M | 111.1M | 103.45M | 101.39M | 104.53M | 106.98M | 104.41M | 104.38M | 109.28M | 112.13M | 117.43M | 119.03M | 119.19M | 117.98M | 111.4M |
| NII Growth % | 4.18% | 5.14% | 1.88% | 1.13% | 4.22% | 1.83% | 3.85% | -0.92% | -2.86% | -4.35% | -4.6% | -11.09% | -12.31% | -8.31% | -4.96% | 5.41% | 14.81% | 7.82% | 9.67% | 8.16% |
| Net Interest Margin % | 10.2% | 10.62% | 9.91% | 9.85% | 10.32% | 10.55% | 10% | 9.86% | 9.67% | 9.9% | 9.56% | 9.44% | 9.37% | 9.78% | 9.21% | 9.41% | 9.31% | 9.78% | 9.29% | 9.77% |
| Interest Income | 121.51M | 124.6M | 125.97M | 118.96M | 115.3M | 117.63M | 122.39M | 113.91M | 111.16M | 116.29M | 118.67M | 116.95M | 116.62M | 121.47M | 126.2M | 130.46M | 130.21M | 130.23M | 128.15M | 118.11M |
| Interest Expense | 11.42M | 12.68M | 12.79M | 14.34M | 9.63M | 11.19M | 11.29M | 10.46M | 9.77M | 11.76M | 11.69M | 12.54M | 12.24M | 12.19M | 14.07M | 13.03M | 11.17M | 11.04M | 10.17M | 6.71M |
| Loan Loss Provision | 43.76M | 36.82M | 51.42M | 49.84M | 50.52M | 33.02M | 44.1M | 46.67M | 45.42M | 29.28M | 40.63M | 40.46M | 46.6M | 45.41M | 59.61M | 68.62M | 85.82M | 57.44M | 56.46M | 42.04M |
| Non-Interest Income | 17.69M | 52.4M | 15.28M | 15.51M | 17.15M | 47.64M | 16.24M | 17.5M | 18.37M | 42.97M | 19.08M | 19.92M | 22.7M | 39.76M | 20.33M | 20.8M | 27.71M | 36.1M | 20.42M | 19.71M |
| Non-Interest Income % | 13.85% | 31.89% | 11.89% | 12.91% | 13.96% | 30.92% | 12.76% | 14.47% | 15.34% | 29.13% | 15.14% | 16.02% | 17.87% | 26.68% | 15.35% | 15.05% | 18.89% | 23.25% | 14.76% | 15.04% |
| Total Net Revenue | 127.79M | 164.31M | 128.47M | 120.12M | 122.82M | 154.08M | 127.34M | 120.95M | 119.76M | 147.51M | 126.06M | 124.33M | 127.08M | 149.04M | 132.46M | 138.23M | 146.74M | 155.29M | 138.41M | 131.11M |
| Revenue Growth % | 4.04% | 6.64% | 0.89% | -0.69% | 2.56% | 4.46% | 1.01% | -2.72% | -5.76% | -1.03% | -4.83% | -10.05% | -13.4% | -4.02% | -4.29% | 5.42% | 18.19% | 11.44% | 11.94% | 10.6% |
| Non-Interest Expense | 76.13M | 81.49M | 78.06M | 71.97M | 70.36M | 65.94M | 67.22M | 46.36M | 61.41M | 71.62M | 65.91M | 62.95M | 68.13M | 69M | 64.95M | 69.69M | 71.65M | 74.61M | 74.23M | 74.99M |
| Efficiency Ratio | 59.58% | 49.6% | 60.76% | 59.91% | 57.29% | 42.8% | 52.79% | 38.33% | 51.28% | 48.55% | 52.28% | 50.63% | 53.61% | 46.29% | 49.03% | 50.42% | 48.83% | 48.04% | 53.63% | 57.19% |
| Operating Income | 7.9M | 46M | -1.01M | -1.69M | 1.95M | 55.12M | 16.01M | 27.93M | 12.93M | 46.61M | 19.52M | 20.92M | 12.35M | 34.63M | 7.9M | -88.69K | -10.73M | 23.24M | 7.72M | 14.08M |
| Operating Margin % | 6.18% | 27.99% | -0.79% | -1.4% | 1.58% | 35.77% | 12.57% | 23.09% | 10.79% | 31.6% | 15.48% | 16.83% | 9.72% | 23.24% | 5.97% | -0.06% | -7.31% | 14.97% | 5.58% | 10.74% |
| Operating Income Growth % | 305.9% | -16.55% | -106.33% | -106.04% | -84.95% | 18.24% | -17.96% | 33.49% | 4.64% | 34.6% | 147.01% | 23689.21% | 215.15% | 49.02% | 2.38% | -100.63% | -152.23% | -58.72% | -54.36% | -17.97% |
| Pretax Income | 7.9M | 46M | -1.01M | -1.69M | 1.95M | 55.12M | 16.01M | 27.93M | 12.93M | 46.61M | 19.52M | 20.92M | 12.35M | 34.63M | 7.9M | -88.69K | -10.73M | 23.24M | 7.72M | 14.08M |
| Pretax Margin % | 6.18% | 27.99% | -0.79% | -1.4% | 1.58% | 35.77% | 12.57% | 23.09% | 10.79% | 31.6% | 15.48% | 16.83% | 9.72% | 23.24% | 5.97% | -0.06% | -7.31% | 14.97% | 5.58% | 10.74% |
| Income Tax | 1.79M | 9.9M | -102.05K | 260.15K | 601.75K | 10.84M | 2.62M | 5.8M | 2.98M | 11.55M | 2.85M | 4.84M | 2.82M | 8.99M | 2.1M | 548.89K | -2.16M | 4.86M | 390.94K | 1.64M |
| Effective Tax Rate % | 22.68% | 21.52% | 10.07% | -15.43% | 30.93% | 19.67% | 16.39% | 20.77% | 23.05% | 24.79% | 14.62% | 23.13% | 22.79% | 25.96% | 26.54% | -618.88% | 20.15% | 20.9% | 5.07% | 11.65% |
| Net Income | 6.11M | 36.1M | -911.33K | -1.95M | 1.34M | 44.28M | 13.39M | 22.13M | 9.95M | 35.06M | 16.66M | 16.08M | 9.54M | 25.64M | 5.8M | -637.58K | -8.57M | 18.38M | 7.33M | 12.44M |
| Net Margin % | 4.78% | 21.97% | -0.71% | -1.62% | 1.09% | 28.74% | 10.51% | 18.29% | 8.31% | 23.77% | 13.22% | 12.94% | 7.51% | 17.2% | 4.38% | -0.46% | -5.84% | 11.84% | 5.29% | 9.49% |
| Net Income Growth % | 354.35% | -18.47% | -106.81% | -108.8% | -86.49% | 26.29% | -19.66% | 37.59% | 4.28% | 36.73% | 187.1% | 2622.42% | 211.35% | 39.49% | -20.78% | -105.13% | -154.32% | -59.05% | -49.44% | -7.15% |
| Net Income (Continuing) | 6.11M | 36.1M | -911.33K | -1.95M | 1.34M | 44.28M | 13.39M | 22.13M | 9.95M | 35.06M | 16.66M | 16.08M | 9.54M | 25.64M | 5.8M | -637.58K | -8.57M | 18.38M | 7.33M | 12.44M |
| EPS (Diluted) | 1.33 | 7.70 | -0.19 | -0.38 | 0.25 | 8.13 | 2.45 | 3.99 | 1.79 | 5.90 | 2.84 | 2.71 | 1.62 | 4.12 | 0.92 | -0.24 | -1.50 | 2.90 | 1.14 | 1.94 |
| EPS Growth % | 432% | -5.29% | -107.76% | -109.52% | -86.03% | 37.8% | -13.73% | 47.23% | 10.49% | 43.2% | 208.7% | 1229.17% | 208% | 42.07% | -19.3% | -112.37% | -161.48% | -56.06% | -49.33% | -0.51% |
| EPS (Basic) | 1.33 | 7.84 | -0.18 | -0.38 | 0.26 | 8.24 | 2.46 | 4.05 | 1.82 | 5.90 | 2.89 | 2.78 | 1.65 | 4.12 | 1.01 | -0.24 | -1.49 | 2.90 | 1.20 | 2.04 |
| Diluted Shares Outstanding | 4.58M | 4.75M | 5.03M | 5.16M | 5.29M | 5.45M | 5.46M | 5.55M | 5.57M | 5.94M | 5.86M | 5.94M | 5.89M | 6.23M | 6.23M | 6.28M | 6.28M | 6.35M | 6.43M | 6.41M |