Short answer
WORLD ACCEPTANCE CORP (WRLD) filed its Q4 2025 10-Q quarterly report on Feb 9, 2026 for the quarter ended Dec 31, 2025. Quarterly revenue was $141M (down 64.6% year over year) with net income of −$911,330.
Q4 2025 key financials · XBRL
- Revenue
- $141M
- −64.6% YoY · +5.0% QoQ
- Net income
- −$911,330
- −102.0% YoY · +53.2% QoQ
- EPS (diluted)
- −$0.18
- −102.2% YoY · +51.4% QoQ
Source: XBRL data from the WORLD ACCEPTANCE CORP (WRLD) Q4 2025 10-Q on SEC EDGAR. USD.
WORLD ACCEPTANCE CORP Q4 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Q3 revenue $141.3M, up 1.9% YoY from $138.6M
- Operating margin 8.3% vs 19.7% YoY; net loss $0.9M vs $13.4M net income
- New customer loan volume best-performing line, up 16.6%; other income weakest, down 25.5% to $2.8M
- Nine-month operating cash flow $164.8M; debt $677.2M and debt-to-equity 1.9:1.0
- Outlook: solid returns expected on fiscal 2026 originations; headwinds from credit losses, regulatory uncertainty, interest rates, inflation and economic conditions
Risk Factors
- Share-repurchase capacity risk: $18.4 million remained available as of December 31, 2025, subject to credit-agreement limits
- Capital-allocation risk: 102,559 shares repurchased during the quarter at average $146.15 per share
- Regulatory and market risk: Repurchases may be suspended or discontinued based on corporate and regulatory requirements
- Liquidity risk: Revolving Credit Agreement restrictions may limit future share repurchases
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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