The latest financial statement is for the quarter ending 2025-12-31.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income (loss) | -911,330 | -1,946,197 | 1,344,067 |
| Amortization of intangible assets | 777,045 | 808,624 | 831,015 |
| Accrued unearned interest | 5,708,507 | 2,269,838 | 2,433,938 |
| Amortization of deferred loan cost | -3,877,619 | -3,425,287 | -3,707,858 |
| Loss (gain) on extinguishment of senior unsecured notes payable | 0 | -3,660,428 | -43,438 |
| Amortization of debt issuance costs | 520,816 | 228,293 | 279,131 |
| Amortization of discount on loans acquired in an asset purchase | -44,605 | -81,888 | -210,541 |
| Provision for credit losses | 51,423,050 | 49,840,902 | 50,515,969 |
| Depreciation | 1,413,283 | 1,453,910 | 1,516,849 |
| Gain on sale of property and equipment | 60,004 | 33,345 | 330,424 |
| Deferred income tax expense (benefit) | 389,260 | -3,368,451 | 4,164,091 |
| Stock-based compensation (reversal) related to equity classified awards | 5,425,762 | 6,056,068 | 3,106,707 |
| Other assets, net | -3,538,360 | -6,210,520 | 1,497,187 |
| Income taxes receivable | 4,795,446 | 3,944,948 | 7,852,202 |
| Accounts payable and accrued expenses | 2,126,107 | -11,409,724 | 4,968,214 |
| Net cash provided by operating activities | 57,971,410 | 48,629,641 | 58,153,047 |
| Originations of loans receivable | 376,002,627 | 612,518,339 | 67,709,233 |
| Repayments of loans receivable | 271,945,267 | 532,126,468 | - |
| Cash paid for acquisitions, primarily loans | 0 | 0 | - |
| Purchases of property and equipment | 807,936 | 917,976 | 1,038,887 |
| Proceeds from the sale of property and equipment | 69,684 | 170,300 | 479,907 |
| Net cash used in investing activities | -104,795,612 | -81,139,547 | -68,268,213 |
| Borrowings from revolving credit facility | 172,550,000 | 426,317,546 | - |
| Payments on revolving credit facility | 181,451,207 | 104,182,897 | - |
| Payments for extinguished senior unsecured notes payable | 188,290,771 | - | - |
| Borrowing on warehouse facility | 135,100,000 | - | - |
| Payments on warehouse facility | -154,739,080 | 172,771,705 | 15,519,066 |
| Payments for debt extinguishment costs | 0 | 0 | 26,450 |
| Debt issuance costs associated with revolving credit facility | 2,001 | 1,754,429 | 132,926 |
| Payments on senior notes payable | - | - | 51,826,031 |
| Debt issuance costs associated with warehouse facility | 21,055 | 2,467,124 | - |
| Proceeds from exercise of stock options | 146,837 | 975,717 | 1,566,318 |
| Borrowings from senior notes payable | - | - | 92,048,258 |
| Payments for taxes related to net share settlement of equity awards | 3,623,346 | 0 | 4,627,907 |
| Repurchase of common stock | 14,990,658 | 66,629,191 | 12,971,034 |
| Net cash provided by financing activities | 74,156,879 | 39,265,690 | 8,511,162 |
| Net change in cash and restricted cash | 27,332,677 | 6,755,784 | -1,604,004 |
| Cash and cash equivalents at beginning of period | 14,882,076 | 9,730,296 | - |
| Cash and cash equivalents at end of period | 42,214,753 | 14,882,076 | - |
WORLD ACCEPTANCE CORP (WRLD)
WORLD ACCEPTANCE CORP (WRLD)