World Acceptance (WRLD) Q4 FY2026 earnings: revenue $176 million, up 7.5% on the year

World Acceptance Corp. (WRLD) reported revenue of $176 million for Q4 FY2026, the quarter ended 31 March 2026, up 7.5% on the same quarter a year earlier. Net income was $35 million, down 18.1% on the year, and diluted earnings per share $7.44. The figures are the company's own, from the 10-K it filed with the SEC on 4 June 2026.

Revenue$176 millionup 7.5%

Net income$35 milliondown 18.1%

Diluted EPS$7.44

QuarterQ4 FY2026ended 31 March 2026

The quarter, against the one before and a year earlier

Line	Q4 FY2026	Q3 FY2026	Q4 FY2025	Change on the year
Revenue	176	142	164	+7.5%
Operating income	44.9	-0.6	53.5	-16.1%
Operating margin	25.5%	-0.4%	32.7%
Interest expense	12.7	12.8	11.2	+13.4%
Pre-tax income	46.0	-1.0	55.1	-16.5%
Income tax	9.6	-0.0	10.4	-7.8%
Effective tax rate	20.9%	n/a	18.9%
Net income	35.3	-0.6	43.1	-18.1%
Net margin	20.1%	-0.4%	26.3%
Diluted EPS	$7.44	-$0.19	$8.13	-8.5%

$ million except per share.

Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed.

Cash flow and capital returned

Line	Q4 FY2026	Q3 FY2026	Q4 FY2025	Change on the year
Operating cash flow	94.6	58.0	91.0	+4.0%
Capital expenditure	1.1	0.8	0.9	+28.5%
Free cash flow	93.5	57.2	90.1	+3.8%
Free cash flow margin	53.1%	40.4%	55.0%
Cash from investing	21.3	-105	48.1	-55.6%
Cash from financing	-129	74.2	-145	n/a
Depreciation and amortisation	2.2	2.2	2.4	-10.1%
Share-based compensation	n/a	0.4	-0.9	n/a
Buybacks	37.8	15.0	32.0	+18.2%
Diluted shares, weighted	n/a	5m	n/a	n/a
Shares outstanding at period end	5m	5m	5m	-13.4%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet at quarter end

Line	Q4 FY2026	Q3 FY2026	Q4 FY2025	Change on the year
Shareholders' equity	351	352	439	-20.1%
Debt	587	677	448	+31.1%
Other liabilities	116	114	120	-3.7%
Total liabilities and equity	1,054	1,142	1,008	+4.6%
Fixed assets	17.4	17.9	19.8	-11.8%
Goodwill	7.4	7.4	7.4	+0.0%
Intangible assets	4.2	5.0	7.4	-43.1%
Cash and equivalents	6.1	10.0	9.7	-37.6%
Other assets	1,019	1,102	963	+5.8%
Total assets	1,054	1,142	1,008	+4.6%

Questions

What was World Acceptance's revenue in Q4 FY2026?

World Acceptance (WRLD) reported revenue of $176 million for Q4 FY2026, the quarter ended 31 March 2026, up 7.5% on the same quarter a year earlier.

How much did World Acceptance earn in Q4 FY2026?

Net income for Q4 FY2026 was $35 million, down 18.1% on the year, and diluted earnings per share $7.44.

When did World Acceptance report Q4 FY2026 results?

World Acceptance filed its 10-K for the quarter ended 31 March 2026 with the SEC on 4 June 2026.

Quarterly results, the last 12 quarters

	Q2 FY2024	Q3 FY2024	Q4 FY2024	Q1 FY2025 †	Q2 FY2025 †	Q3 FY2025 †	Q4 FY2025 †	Q1 FY2026 †	Q2 FY2026 †	Q3 FY2026 †	Q4 FY2026	Q1 FY2027
Revenue	137	138	159	130	132	139	164	133	135	142	176	139
Operating income	20.9	19.5	46.6	13.2	28.2	16.3	53.5	2.3	-1.3	-0.6	44.9	7.9
Operating margin	15%	14%	29%	10%	21%	12%	33%	2%	-1%	-0%	26%	6%
Interest expense	12.5	11.7	11.8	9.8	10.5	11.3	11.2	9.6	14.3	12.8	12.7	11.4
Pre-tax income	20.9	19.5	46.6	12.9	27.9	16.0	55.1	2.3	-1.7	-1.0	46.0	7.9
Tax rate	23%	15%	25%	24%	21%	17%	19%	30%	n/a	n/a	21%	23%
Net income	16.1	16.7	35.1	10.2	22.4	13.6	43.1	1.6	-1.7	-0.6	35.3	6.1
Net margin	12%	12%	22%	8%	17%	10%	26%	1%	-1%	-0%	20%	4%
Diluted EPS	$2.71	$2.84	$6.09	$1.79	$3.99	$2.45	$8.13	$0.25	-$0.38	-$0.19	$7.44	$1.33
Operating cash flow	63.4	58.9	83.8	48.4	53.7	61.1	91.0	58.2	48.6	58.0	94.6	64.4
Capital expenditure	1.5	1.2	1.5	1.1	1.0	0.7	0.9	1.0	0.9	0.8	1.1	1.3
Free cash flow	61.8	57.7	82.3	47.3	52.7	60.4	90.1	57.1	47.7	57.2	93.5	63.1
Buybacks	0.0	17.3	18.9	11.1	10.0	1.0	32.0	13.0	66.6	15.0	37.8	2.2
Shares outstanding	6m	6m	6m	6m	6m	6m	5m	5m	5m	5m	5m	5m
Filing	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q

Each quarter as filed, linked to its filing.

A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Source

10-K for the period ended 31 March 2026, filed 4 June 2026, accession 0000108385-26-000014: the filing on EDGAR. All of World Acceptance Corp.'s filings: EDGAR company page.

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