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World Acceptance WRLD Q3 2026 earnings

Reported January 27, 2026 · Before market open

Revenue$141.3MBeat by $11.9M
EPS-$0.19Miss by $0.77
Revenue estimate$129.4M
EPS estimate$0.58

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$140.7M
EPS estimate$0.79

Financials

Q3 2026

Income statement

See full
Revenue$141.6M+1.9%
Net income-$625.0K-105%
EPS (diluted)-$0.13-105%

Balance sheet

See full
Cash & equivalents$10.0M-2.9%
Total debt$74.7M-8.0%
Total equity$351.6M-17.9%
Total assets$1.1B+2.9%

Cash flow

See full
Operating cash flow$58.0M-5.1%
CapEx$807.9K+17.8%
Free cash flow$57.2M-5.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$707.3M+9.4%
Enterprise value$771.99M+7.6%
P/E16.7×+8.7×
P/S1.2×+0.1×

Profitability

See full
Net margin7.4%-7.1pp
FCF margin44%+0.6pp

Returns & leverage

See full
Return on equity10.9%-8.6pp
Debt / equity0.2×0.0×

Versus estimates

Revenue

Q1 2027$139.2MMiss by $4.7MQ4 2026$177.6MBeat by $9.2M
Q3 2026$141.3MBeat by $11.9M
Q2 2026$134.5MBeat by $974.4KQ1 2026$132.5MBeat by $3.4MQ4 2025$165.3MBeat by $35.3M

Diluted EPS

Q1 2027$2.12Beat by $1.54Q4 2026$7.70Miss by $0.04
Q3 2026-$0.19Miss by $0.77
Q2 2026-$0.38Miss by $2.25Q1 2026$0.25Miss by $2.19Q4 2025$8.13Beat by $1.71

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Questions, answered.

When did World Acceptance report Q3 2026 earnings?
World Acceptance (WRLD) reported Q3 2026 earnings on January 27, 2026 before market open.
What were World Acceptance's Q3 2026 revenue and EPS?
World Acceptance reported revenue of $141.3M and eps of $-0.19 for Q3 2026.
Did World Acceptance beat estimates in Q3 2026?
Revenue beat the consensus estimate of $129.4M by $11.9M. EPS missed the consensus estimate of $0.58 by $0.77.
How did World Acceptance's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 1.9% from $138.6M a year earlier.
Where can I find World Acceptance's Q3 2026 SEC filings?
You can read the 8-K earnings release (0001437749-26-002140) and the 10-Q periodic report (0000108385-26-000005) directly on SEC EDGAR. The filing index links above go to sec.gov.