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World Acceptance (WRLD) earnings and revenue breakdown

Latest: Q2 FY27 · 8-K filed Oct 23, 2026

Q2 FY27 Revenue up 3% year over year to $139M · 6¢ of every $1 of revenue kept as net profit · operating margin 8.4%

World Acceptance made $139M in Q2 FY27 (+3% Y/Y). Operating margin 8.4%, net earnings $8.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 8-K filed Oct 23, 2026 (preliminary, from the earnings release).

Revenue$139M
Year over year+3%
Operating margin8.4%
Net earnings$8.8M
Operating cash flow—

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $139.2M in Q2 FY27, up 3% year over year and roughly flat from the previous quarter.

Operating profit was $11.7M, a 8.4% margin (up 9.3 points year over year). Total costs fell 6% while revenue rose 3%. Net earnings were $8.8M. The effective tax rate was 25.0%.

Quarterly history

World Acceptance revenue by quarterWorld Acceptance revenue by quarter$164MQ4 FY25$133MQ1 FY26$135MQ2 FY26$142MQ3 FY26$176MQ4 FY26$139MQ1 FY27$139MQ2 FY27
World Acceptance net earnings by quarterWorld Acceptance net earnings by quarter$43.1MQ4 FY25$1.3MQ1 FY26−$1.9MQ2 FY26−$911KQ3 FY26$35.3MQ4 FY26$6.1MQ1 FY27$8.8MQ2 FY27
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q2 FY278-KOct 23, 2026$139M+3%8.4%$8.8M—
Q1 FY2710-QAug 6, 2026$139M+5%5.7%$6.1M$64.4M
Q4 FY2610-KJun 4, 2026$176M+8%25.5%$35.3M$94.6M
Q3 FY2610-QFeb 9, 2026$142M+2%-0.4%−$911K$58.0M
Q2 FY2610-QNov 6, 2025$135M+2%-1.0%−$1.9M$48.6M
Q1 FY2610-QAug 6, 2025$133M+2%1.7%$1.3M$58.2M
Q4 FY2510-KMay 22, 2025$164M+3%32.7%$43.1M$90.9M

Charts

World Acceptance: revenue growth, year over year and quarter over quarterWorld Acceptance: revenue growth, year over year and quarter over quarterY/YQ/Q+3%Q4 FY25+2%-19%Q1 FY26+2%+2%Q2 FY26+2%+5%Q3 FY26+8%+24%Q4 FY26+5%-21%Q1 FY27+3%0%Q2 FY27
Latest (Q2 FY27): Y/Y +3%, Q/Q 0%.
World Acceptance: where the cash came from (+) and went (−), TTM to Q1 FY27World Acceptance: where the cash came from (+) and went (−), TTM to Q1 FY27Net borrowing (+) / repaid (−)$270MOperating cash flow$266MOther investing−$210MOther financing−$177MBuybacks−$122MCash drawn (+) / kept (−)−$19.9MTaxes on employees’ shares−$5.7MShares issued$4.5MCapital spending−$4.1MAcquisitions−$2.3MAsset & business sales$553K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
World Acceptance: profit against cash, quarter by quarterWorld Acceptance: profit against cash, quarter by quarterNet incomeOperating cash flow$22.4M$53.8MQ2 FY25$13.6M$61.1MQ3 FY25$43.1M$90.9MQ4 FY25$1.6M$58.2MQ1 FY26−$1.7M$48.6MQ2 FY26−$625K$58.0MQ3 FY26$35.3M$94.6MQ4 FY26$6.1M$64.4MQ1 FY27
Latest (Q1 FY27): Net income $6.1M, Operating cash flow $64.4M.
World Acceptance: diluted shares by fiscal yearWorld Acceptance: diluted shares by fiscal year7MFY216MFY226MFY236MFY246MFY255MFY26
-24.7% since FY21: buybacks shrank the count.
World Acceptance: long-term debt falling due (FY26)World Acceptance: long-term debt falling due (FY26)$143M2028$444M2029
Cash $6.1M, short-term investments —, long-term debt $587M at 2026-03-31.
World Acceptance in its industry: growth against margin (9 companies, SIC 6141)World Acceptance in its industry: growth against margin (9 companies, SIC 6141)revenue growth, year over year →↑ operating marginmedian +8%median 16%OMFAFRMBFHENVAATLCCACCHAPNRMWRLD (+3%, 8%)
Personal Credit Institutions; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About World Acceptance

Founded in 1962, World Acceptance Corporation (NASDAQ: WRLD), is a people-focused finance company that provides personal installment loan solutions and personal tax preparation and filing services to over one million customers each year. Headquartered in Greenville, South Carolina, the Company operates more than 1,000 community-based World Finance branches across 16 states. The Company primarily serves a segment of the population that does not have ready access to credit; however, unlike many other lenders in this segment, we strive to work with our customers to understand their broader financial pictures, ensure they have the ability and stability to make payments, and help them achieve their financial goals. For more information, visit www.loansbyworld.com.

In its own words, from its 8-K, filed Jul 24, 2026.

World Acceptance against its Personal Credit Institutions peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +8%. Operating margin: 8.4% against the peers' median 15.6%.

CompanyQuarterRevenueY/YOp. margin
WRLD World AcceptanceQ2 FY27$139M+3%8.4%
OMF OneMain HoldingsQ3 2026$1.4B+10%17.2%
AFRM Affirm HoldingsQ1 FY27$1.3B+35%14.8%
BFH Bread Financial HoldingsQ3 2026$1.0B+5%20.6%
ENVA Enova InternationalQ3 2026$1.0B+26%24.5%
ATLC Atlanticus HoldingsQ3 2026$776M+60%15.6%
CACC Credit AcceptanceQ3 2026$595M+2%-12.4%
HAPN HappenQ3 2026$263M-1%29.2%
RM Regional ManagementQ3 2026$179M+8%11.1%

Source: World Acceptance 8-K on SEC EDGAR · CIK 108385 · Personal Credit Institutions

13F: who owns WRLD and who is buying

Largest holders of WRLD (13F)Largest holders of WRLD (13F)Prescott General Partners LLC$339MBlackRock$100MDimensional Fund Advisors LP$49.9MAQR Capital Management LLC$45.0MVanguard Group$41.6MJacobs Levy Equity Management$25.3MVanguard Capital Management LLC$25.0MState Street$23.8MBNP Paribas Financial Markets$21.5MAmerican Century Companies$20.7M
Funds' net buying of WRLD by quarter (13F)Funds' net buying of WRLD by quarter (13F)−$17.1M2024-09−$12.9M2024-12−$25.6M2025-03$1.3M2025-06−$70.2M2025-09$6.1M2025-12$40.0M2026-03$3.4M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on WRLD

History

Every quarter: Q2 FY27 results · Q1 FY27 results · Q4 FY26 results · Q3 FY26 results · Q2 FY26 results · Q1 FY26 results · Q4 FY25 results

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中文版：World Acceptance（WRLD）财报

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