World Acceptance Corporation (WRLD) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q1'22 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 173.2M | 89.83M | 70.28M | 72.31M | 121.06M | 83.24M | 74.28M | 74.34M | 118.23M | 85.43M | 83.87M | 80.48M | 103.63M | 72.85M | 69.61M | 60.92M | 97.85M | 81.95M | 89.07M | 93.89M |
| Gross Margin % | 97.54% | 63.59% | 52.27% | 54.59% | 73.25% | 60.04% | 56.53% | 57.39% | 74.24% | 62.02% | 61.27% | 57.76% | 64.28% | 49.72% | 46.02% | 38.58% | 58.83% | 55.16% | 64.62% | 72.41% |
| Gross Profit Growth % | 43.07% | 7.92% | -5.39% | -2.74% | 2.39% | -2.57% | -11.43% | -7.63% | 14.09% | 17.26% | 20.49% | 32.1% | 5.91% | -11.1% | -21.85% | -35.12% | -26.82% | -13.54% | -3.66% | 1.35% |
| Operating Expenses | 113.94M | 90.84M | 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 | 73.35M |
| OpEx % of Revenue | 64.17% | 64.31% | 53.52% | 53.12% | 39.9% | 48.49% | 35.28% | 47.41% | 44.97% | 47.85% | 45.99% | 48.9% | 42.8% | 44.33% | 46.08% | 45.37% | 44.85% | 49.96% | 54.41% | 56.57% |
| Selling, General & Admin | 83.86M | 111.53M | 59.34M | 57.74M | 52.69M | 53.99M | 33.06M | 48.24M | 57.94M | 52.77M | 49.46M | 54.44M | 55.44M | 50.9M | 55.1M | 57.28M | 60.4M | 60.34M | 60.81M | 58.53M |
| SG&A % of Revenue | 47.22% | 78.96% | 44.13% | 43.6% | 31.88% | 38.95% | 25.16% | 37.25% | 36.38% | 38.31% | 36.13% | 39.07% | 34.38% | 34.74% | 36.43% | 36.27% | 36.32% | 40.61% | 44.12% | 45.14% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 59.26M | -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 | 20.54M |
| Operating Margin % | 33.37% | -0.72% | -1.25% | 1.47% | 33.35% | 11.55% | 21.25% | 9.98% | 29.27% | 14.17% | 15.29% | 8.87% | 21.48% | 5.39% | -0.06% | -6.79% | 13.97% | 5.19% | 10.22% | 15.84% |
| Operating Income Growth % | 7.51% | -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% | -2.35% |
| EBITDA | 61.44M | 1.18M | 576.49K | 4.29M | 57.55M | 18.5M | 30.49M | 15.58M | 49.38M | 22.28M | 23.64M | 15M | 37.34M | 10.65M | 2.63M | -7.98M | 26.15M | 10.67M | 16.23M | 24.21M |
| EBITDA Margin % | 34.6% | 0.83% | 0.43% | 3.24% | 34.82% | 13.35% | 23.2% | 12.03% | 31.01% | 16.17% | 17.27% | 10.76% | 23.16% | 7.27% | 1.74% | -5.06% | 15.72% | 7.18% | 11.78% | 18.67% |
| EBITDA Growth % | 6.77% | -93.64% | -98.11% | -72.43% | 16.54% | -16.94% | 28.98% | 3.85% | 32.26% | 109.2% | 800.53% | 287.86% | 42.8% | -0.16% | -83.83% | -132.98% | -54.43% | -51.75% | -19.69% | 0.29% |
| D&A (Non-Cash Add-back) | 2.19M | 2.19M | 2.26M | 2.35M | 2.43M | 2.49M | 2.56M | 2.65M | 2.77M | 2.76M | 2.72M | 2.64M | 2.7M | 2.75M | 2.71M | 2.74M | 2.91M | 2.95M | 2.15M | 3.66M |
| EBIT | 59.26M | -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 | 20.54M |
| Net Interest Income | 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 | 103.67M |
| Interest Income | 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 | 109.17M |
| Interest Expense | 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 | 5.5M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 46.57M | -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 | 20.54M |
| Pretax Margin % | 26.23% | -0.72% | -1.25% | 1.47% | 33.35% | 11.55% | 21.25% | 9.98% | 29.27% | 14.17% | 15.29% | 8.87% | 21.48% | 5.39% | -0.06% | -6.79% | 13.97% | 5.19% | 10.22% | 15.84% |
| Income Tax | 10.04M | -102K | 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 | 4.77M |
| Effective Tax Rate % | 21.57% | 10.06% | -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% | 23.22% |
| Net Income | 36.53M | -912K | -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 | 15.77M |
| Net Margin % | 20.57% | -0.65% | -1.45% | 1.01% | 26.79% | 9.66% | 16.84% | 7.68% | 22.01% | 12.1% | 11.75% | 6.85% | 15.9% | 3.96% | -0.42% | -5.42% | 11.05% | 4.93% | 9.03% | 12.16% |
| Net Income Growth % | -17.5% | -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% | 1.68% |
| Net Income (Continuing) | 36.53M | -912K | -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 | 15.77M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 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 | 2.44 |
| EPS Growth % | -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% | 8.93% |
| EPS (Basic) | 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 | 2.56 |
| Diluted Shares Outstanding | 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 | 6.46M |
| Basic Shares Outstanding | 4.75M | 5.03M | 5.16M | 5.29M | 5.45M | 5.44M | 5.47M | 5.57M | 5.76M | 5.77M | 5.78M | 5.77M | 6.23M | 6.23M | 5.73M | 5.74M | 6.35M | 6.12M | 6.08M | 6.16M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |