Short answer
WORLD ACCEPTANCE CORP (WRLD) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $134M (up 2.3% year over year) with net income of −$2M.
Q3 2025 key financials · XBRL
- Revenue
- $134M
- +2.3% YoY · +1.5% QoQ
- Net income
- −$2M
- −108.8% YoY · −244.8% QoQ
- EPS (diluted)
- −$0.37
- −109.3% YoY · −248.0% QoQ
Source: XBRL data from the WORLD ACCEPTANCE CORP (WRLD) Q3 2025 10-Q on SEC EDGAR. USD.
WORLD ACCEPTANCE CORP Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Quarterly revenue $134.5M, up 2.3% YoY from $131.4M, driven by higher balances and interest yields
- Operating margin 9.4% vs 29.2% YoY; G&A ratio 53.5% vs 35.3%
- Interest and fee income $121.0M, up 4.4%; insurance and other income down 11.4% to $15.5M
- Provision $49.8M, up 6.8%; annualized net charge-offs 17.1% vs 17.6%
- $172.8M debt repurchase, including $169.8M notes; management expects solid returns on fiscal 2025 originations
Risk Factors
- No risk-factors section provided; supplied text contains Items 2–6 only
- Credit-agreement constraints limiting share repurchases, with $33.4 million remaining authorization as of September 30, 2025
- Regulatory compliance exposure from director Rule 10b5-1 arrangement covering 2,481 shares through December 31, 2026
- Financing documentation change: new $100.0 million revolving credit agreement dated July 22, 2025
- Securitization dependence under September 29, 2025 credit agreement with backup-servicer provisions
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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