World Acceptance Corporation (WRLD) Q2 2025 Earnings Call Transcript Summary
World Acceptance Corporation (WRLD) Q2 2025 Earnings Call Transcript Summary
Non-refinance volume showed stronger year-over-year gains.The following is a summary of the World Acceptance Corporation (WRLD) Q2 2025 Earnings Call Transcript:
以下是環球驗收公司（WRLD）2025年第二季度業績會成績單摘要：
Financial Performance:
金融業績：
World Acceptance Corporation experienced a 350-basis-points increase in their customer base in Q2 2025 from the previous year.
Average balance decreased almost 6%, while customer base actually increased.
Non-refinance volume showed stronger year-over-year gains.
Gross yield improved by 113 basis points year-over-year.
Refinanced loan volume in dollars increased 3% year-over-year while the number of refinances increased 10.7%.
EPS forecast maintained at $16.35 for fiscal 2025 despite no longer accruing for the second tier of the performance plan.
環球驗收公司在2025年第二季度客戶群體比去年同期增加了350個點子。
平均餘額減少了近6%，而客戶群體實際上是增加的。
非再融資成交量顯示年增長率更強勁。
總收益率同比提高了113個點子。
再融資貸款成交量按美元計算同比增長了3%，而再融資次數增加了10.7%。
儘管不再爲績效計劃第二層次計提，但2025財年的每股收益預測維持在16.35美元。
Business Progress:
業務進展：
World Acceptance Corporation completed an acquisition of around $20 million in performing loans.
Organic growth coupled with the recent acquisition is expected to reduce the ledger down by 4% year-over-year as of the end of October 2025.
環球驗收公司完成了對總額約2000萬美元的表現貸款的收購。
預計有機增長和最近的收購將使總賬在2025年10月底同比減少4%。
Opportunities:
機會：
The company sees an opportunity to improve delinquency and charge-off rates, especially related to its large loan portfolio.
公司看到了改善拖欠和核銷率的機會，特別是與其大額貸款組合相關的機會。
Risks:
風險：
No explicit risks detected.
沒有發現任何明確風險。
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：如需更全面的詳情，請參閱投資人關係網站。本文僅供投資者參考，不作任何指引或建議。
譯文內容由第三人軟體翻譯。
