# World Acceptance Corp. (WRLD)
personal-installment · subprime · live · latest quarter 2026-06-30 · reporting basis personal-installment

**Score 4** (weighted flags). Small-loan consumer installment lender operating as World Finance.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (personal-installment) | $1.29B |
| Allowance | $112.5M (8.70% of gross) |
| Provision | $43.8M |
| Net charge-offs | $43.3M (13.46% annualized) |
| Provision / NCO | 1.01 |
| Reserve, quarters of losses | 2.6 |
| 30+ / 60+ / 90+ | – / – / – |
| Nonaccrual | 4.88% |
| Yield | 37.78% |
| Equity / assets | 33.57% |
| Book growth YoY | 2.3% |

Delinquency note: Not auto. Included as the cleanest public read on the deep-subprime household's cash position, which is what ultimately pays a car note.

## Flags

- **Equity share of assets falling sharply year over year** (`equity_eroding`)
- **Allowance covers under three quarters of the current loss burn** (`reserve_thin`)

## Reads on the desk

- HIGH: The allowance covers 2.6 quarters of losses at the current burn ($112.5M against $43.3M a quarter). Threshold: three quarters.
- HIGH: Equity fell to 33.6% of assets from 41.6% a year earlier, a 8.0 point erosion of the cushion under the book. Threshold: 4 points.

## In the news

- 2026-01-27 [World Acceptance Corp (WRLD) Q3 2026 Earnings Call Highlights: Strong Customer Growth and ... - Yahoo Finance](https://news.google.com/rss/articles/CBMigAFBVV95cUxPREZSWF83c1hKZkZDUUVmTXRTdjNYalRneU9HSmxQcUNvbFZnNmRobUpTWHJBNU9Rd3hsU0VQNHEzU0tNQ09uWlRmMmhSZ01qaG1aczZ3Vm5VUndvcmxyRnRNbV9RYWVoTF9KZGlNWldzVXRheldoak1hYkhOVUk0MA?oc=5) · Yahoo Finance
- 2026-08-18 [World Acceptance (WRLD) holders sell shares back to company - stocktitan.net](https://news.google.com/rss/articles/CBMiywFBVV95cUxPRVY0Z0pRT0pTcEVUbm1xeVBiM0o1bnBxRnZKWGFmRU5LN1Y5eHpkMlJDX1FIa1oxZXJyNFlsMkJIRlNxZENvdjktRkVxVUZ2cjhXZE5yWklUOFF4MW9wZEEwbGhlbEtBckxfdVFwSXJ5NndlTWlYS1hiUjdGR2ZLYlI1SEdHc3RrZGd2bFhLMTdnREM3d05iRlZRYjdnVTd0N3NvOXVsUXoxbXR6akFERGlRM2NXbmF6ajJETkc3TzU0YzJuWTZKeXlHSQ?oc=5) · stocktitan.net
- 2026-05-26 [WRLD - Finviz](https://news.google.com/rss/articles/CBMiRkFVX3lxTE9Vbl9ERnIwcWFhRkJyWHZwQUphUkhOYUJGMHYzeUxaelI4azZzbFR5cHhmRnItRGdhMm9yY2xOVTIwY2FKc2c?oc=5) · Finviz
- 2026-07-22 [WORLD ACCEPTANCE CORP ($WRLD) Former President and CEO 2026 Pay Revealed - Quiver Quantitative](https://news.google.com/rss/articles/CBMisAFBVV95cUxNWF9hYU9sVmtncnZpQW1LUHJtbjExQmttdmdvT2hMY05pUnd6TVhPT1hsOGFaenFiSUpES0cxREM1SkdKZGRjbkxxaUdKTHQtN0tjY1o1WkZ5RGg4S0JSMGVfenpJN0JwWTYxVnhMQWM1RmlkbFVYX21vT2F6SGluZUhRWmFsN04zWVZPSHJXNHltT0tGT25idnhMR21aWFdTUXYxV083cklCenlJaTlSRA?oc=5) · Quiver Quantitative
- 2026-09-03 [A Look at World Acceptance Corp (WRLD) After 5.8% Gain -- GF Val - gurufocus.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQNEp5RENSUzhSYXVUYXhGYkhlQmliVG40TXg3M1pmc2VQQUZidllVTzEtUExocThkTURJaGwybW5BUm5jTms5MGRwaEVPVTIyZHpmSHYwT2hEVFNSbEszdVhXbVpMaXZ0MGZxamhidm9xS2hwLWhCUDZReU53QUxPTUhfdHN5Qmc0b2tRbVltbUVNNDdseWttN0R3OGNiUm5LT3JkTHA5VzlEbExBelREOXpWOFdhZUNzcmVB?oc=5) · gurufocus.com
- 2026-07-27 [WRLD|World Acceptance Corp|Price:188.270|Chg%:+4.330 - TradingKey](https://news.google.com/rss/articles/CBMibkFVX3lxTE1JU25odWZlNXZUekYtSE1DbkhNb2VKanVWcDE3Q1NFRG9qNmFadC16R1cwVzJUZ1VSUV9MR2R6SUNRTFFLZ0l5Xzk2bHp6eDlQdHhjeDBCUUt4a1NmeHhHa2xrQTlkUWtKbWUxSlRB?oc=5) · TradingKey
- 2026-08-12 [WORLD ACCEPTANCE CORP SEC Filing (Aug 12, 2026) - stocktitan.net](https://news.google.com/rss/articles/CBMinwFBVV95cUxQeEZyckxGRGdnOURKcGpTQlZRSFl3TlhueWJsb3cxckZ6TDVkRU8xRVh6dHNaeHA2QlBQZm1NSUpCQlZjdGlObnlRUkJaQS0zY25LQ09aZnJWNklkczBWLUpvX1Noa1R3aU80SWVTMkVGREV0ajJVSGpPMHE0T29kYTYyRy1xLXhzb1ExY3VuMnM0RnRtT3lOYTBnNm1pajQ?oc=5) · stocktitan.net
- 2026-08-11 [World Acceptance director Benjamin Robinson sells $16,853 in shares - Investing.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxOOHhtV3ZUVEdaSWpoaVdjVUVEdjEyRXhoa0plZno2OU0yMUJuNUJVczJsc3pKNXhHOGRheXFhbGJGSkIzODdZcXl1VDZaMjdsWEFqaG5NTDZPQnNIYzlxRDdVdEJ2bEYxQ09hU1M3LVE5RkRnWVB3TGJBNFo5dXVfaVZ3aGtkamhLZFU0OThfNTRyT2w2MkFXclBHSFNfUEhqQmtHbGFDeFZ5Qm9XLThlM3FLVjZBQjJkWFBNMjJfeW9nWEU0Tkt4VXpR?oc=5) · Investing.com

## How to verify

- Page: https://getbookiq.com/intel/#co=WRLD
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide