NASDAQ$WRLD

World Acceptance Corporation · Q1 2025 earnings

Q1 2025 earnings · · Investor relations

Briefing

Reported financial results for the first quarter of fiscal 2025.

World Acceptance Corporation reported a net income of $9.9 million and a diluted net income per share of $1.79 for the first quarter of fiscal 2025. Total revenues decreased by 7.0% to $129.5 million. The company focused on credit quality and conservative lending operations during the quarter.

  • Net income increased to $9.9 million.
  • Diluted net income per share increased to $1.79.
  • Recency delinquency on accounts 90+ days past due improved to 3.4%.
  • Total revenues decreased to $129.5 million.

Headline financials

Total Revenue

$130M

Previous: $139M-7.0%
EPS

$1.79

Previous: $1.62+10.5%
Capital Expenditures

-$1.08M

Previous: -$1.66M+34.6%
Free Cash Flow

$47.3M

Previous: $58.1M-18.5%
Net Income

$9.95M

Previous: $9.54M+4.3%
Operating Income

$20.1M

Previous: $20.8M-3.5%
Gross Profit

$84.1M

Previous: $92.7M-9.3%
Cash & Equivalents

$11.1M

Previous: $16M-30.5%
Total Assets

$1.05B

Previous: $1.11B-5.9%
Stock-Based Comp

-$1.06M

Previous: $1.41M-175.3%

Revenue & EPS history

World Acceptance · Revenue · Quarterly

$130M

Q1 2025-7%vs Q1 2024
Beat estimate in 7 of 14 quarters(50%)
ActualEstimate

Revenue by segment

World Acceptance · $117M total across 1 segment · Q2 2024

  • Interest and Fee Income
    $117M-10.4%

Forward guidance

The company's responses to questions, as well as other matters discussed during the conference call, may contain or constitute information that has not been disclosed previously. The senior management of World Acceptance Corporation will be discussing these results in its quarterly conference call to be held at 10:00 a.m. Eastern Time today. A simulcast of the conference call will be available on the Internet at The call will be available for replay on the Internet for approximately 30 days.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

-1.6%

Avg return

Earnings day

-3.1%

Avg return

5 days after

+2.0%

Avg return

30 days after

47%

30 / 64 earnings

Positive

+29.7%

Q4 2017

Best reaction

-25.1%

Q2 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2026+0.7%-7.9%+7.8%
Q3 2026-17.5%-15.0%-2.2%
Q2 2026-3.9%-10.5%+9.3%
Q1 2026-0.9%-5.6%-4.1%
Q4 2025+3.4%-3.1%+13.8%
Q3 2025+16.3%+9.1%+3.2%
Q2 2025+1.6%+1.6%+2.7%
Q1 2025-16.1%-16.4%-19.9%
Q4 2024+0.3%-2.3%-7.4%
Q3 2024+16.5%+15.3%+5.0%
Q2 2024-13.7%-17.6%-6.4%
Q1 2024+10.4%+8.7%-1.8%
Q4 2023+14.1%+10.8%+22.3%
Q3 2023+27.3%+18.2%+15.9%
Q2 2023-25.1%-23.4%-30.6%
Q1 2023-5.6%-4.6%+0.8%
Q4 2022-14.8%-26.9%-32.7%
Q3 2022-5.3%-16.5%-10.6%
Q2 2022-24.0%-11.0%+3.9%
Q1 2022+9.1%+13.1%+13.8%
Q4 2021+1.0%+7.2%+14.6%
Q3 2021-7.4%+37.7%+0.7%
Q2 2021-9.9%-14.7%-1.5%
Q1 2021+4.5%+6.1%+32.7%
Q4 2020+6.5%-10.1%+35.3%
Q3 2020-2.0%-9.9%-11.5%
Q2 2020-20.8%-24.8%-28.2%
Q1 2020-24.1%-21.3%-17.9%
Q4 2019+7.3%+3.3%+4.2%
Q3 2019-8.4%-5.4%+11.1%
Q2 2019+7.1%+5.4%+7.3%
Q1 2019-9.8%-10.7%+6.1%
Q4 2018+4.0%+1.9%+6.6%
Q3 2018+15.1%+20.9%+13.8%
Q2 2018-12.0%-11.7%-4.5%
Q1 2018-1.9%+2.6%-1.3%
Q4 2017+29.7%+24.4%+30.6%
Q3 2017-19.6%-18.8%-10.9%
Q2 2017-3.1%+0.6%+24.3%
Q1 2017-21.0%-22.7%-15.4%
Q4 2016-4.3%
Q3 2016-23.3%
Q2 2016+2.4%
Q4 2015+13.6%
Q3 2015-4.4%
Q2 2015-1.8%
Q1 2015+5.1%
Q4 2012+0.5%
Q4 2014-9.8%
Q3 2014+9.6%
Q2 2014-5.0%
Q1 2014-2.5%
Q4 2013-0.6%
Q3 2013+1.0%
Q2 2013-3.0%
Q1 2013+2.8%
Q4 2010-1.2%
Q3 2011+2.6%
Q3 2012+2.6%
Q2 2011-1.1%
Q2 2012-1.1%
Q4 2011+2.7%
Q1 2011+2.7%
Q1 2012+2.7%

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