Filing Flows › World Acceptance (WRLD) › Q3 FY26
World Acceptance (WRLD) Q3 FY26 earnings results (third quarter fiscal 2026)
10-Q filed Feb 9, 2026
World Acceptance (WRLD) reported revenue of $142M for the third quarter fiscal 2026 (Q3 FY26), +2% from a year earlier and +5% from the quarter before. Operating margin was -0.4%, net loss $911K (0.6% of revenue).
World Acceptance, Q3 FY26: revenue $142M (+2% year over year), operating margin -0.4%, net loss $911K, operating cash flow $58.0M. The chart follows the revenue to costs, profit and cash.
| Q3 FY26 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $142M | +5% | +2% |
| Operating profit | −$629K | — | — |
| Net earnings | −$911K | — | — |
| Operating cash flow | $58.0M | +19% | -5% |
| Free cash flow | $57.2M | +20% | -5% |
What changed
Revenue was $141.6M in Q3 FY26, up 2% year over year and up 5% from the previous quarter.
Operating costs exceeded revenue by $629K, an operating margin of -0.4%. Total costs grew 16% against revenue growth of 2%. The fastest-growing cost line was General & admin (+16%). The quarter ended with a net loss of $911K, narrower than the previous quarter's $1.9M loss.
Operating cash flow was $58.0M (down 5% year over year). Non-cash charges added back $2.2M of depreciation and amortization and $400K of share-based compensation. Working capital and other items added $56.3M. Capital expenditures of $808K left free cash flow of $57.2M.
Questions
What was World Acceptance's revenue in the third quarter fiscal 2026?
World Acceptance (WRLD) reported revenue of $142M for the third quarter fiscal 2026 (Q3 FY26), +2% from a year earlier and +5% from the quarter before.
Was World Acceptance profitable in the third quarter fiscal 2026?
Operating loss was $629K (-0.4% of revenue) and net loss $911K.
Source: World Acceptance 10-Q on SEC EDGAR.