0001157523-22-000913.txt : 20220727 0001157523-22-000913.hdr.sgml : 20220727 20220727073525 ACCESSION NUMBER: 0001157523-22-000913 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220727 ITEM INFORMATION: Entry into a Material Definitive Agreement ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220727 DATE AS OF CHANGE: 20220727 FILER: COMPANY DATA: COMPANY CONFORMED NAME: WORLD ACCEPTANCE CORP CENTRAL INDEX KEY: 0000108385 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 570425114 STATE OF INCORPORATION: SC FISCAL YEAR END: 0331 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-19599 FILM NUMBER: 221108857 BUSINESS ADDRESS: STREET 1: 108 FREDRICK STREET CITY: GREENVILLE STATE: SC ZIP: 29607 BUSINESS PHONE: 8642989800 MAIL ADDRESS: STREET 1: P O BOX 6429 CITY: GREENVILLE STATE: SC ZIP: 29606 FORMER COMPANY: FORMER CONFORMED NAME: WORLD FINANCE CORP DATE OF NAME CHANGE: 19700210 8-K 1 a52792669.htm WORLD ACCEPTANCE CORPORATION 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) July 27, 2022

WORLD ACCEPTANCE CORPORATION
(Exact name of registrant as specified in its charter)

South Carolina
 000-19599
 57-0425114
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)

104 S. Main Street, Greenville, South Carolina 29601   
(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code (864) 298-9800

n/a
(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, No Par Value
WRLD
The Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
  
Emerging growth company     
☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
☐


Item 1.01.   Entry into a Material Definitive Agreement.

Eighth Amendment to Amended and Restated Revolving Credit Facility

On July 27, 2022, World Acceptance Corporation (“WRLD” or the “Company”) entered into the Eighth Amendment to its Amended and Restated Revolving Credit Agreement (the “Seventh Amendment”), among the Company, the lenders named therein, and Wells Fargo Bank, National Association, as Administrative Agent and Collateral Agent. The Eighth Amendment amends its Amended and Restated Revolving Credit Agreement to, among other things:

•
Amends the definition of Net Income Available for Fixed Charges for any period means Consolidated Adjusted Net Income during such period plus, to the extent deducted in determining Consolidated Adjusted Net Income, positive or negative non-cash provisions for “current expected loan losses” (under ASU 2016-13 or CECL) made by Borrower and its Restricted Subsidiaries during such period (which, for the avoidance of doubt, would be the total provision expense less actual net charge offs).
•
Increase the required ratio for Net Income Available for Fixed Charges to Fixed Charges to 2.25 to 1.0 for the fiscal quarters ending June 30, 2022; September 30, 2022; December 31, 2022; and 2.50 to 1.0 for March 31, 2023 and June 30, 2023, with the ratio increasing to 2.75 to 1.0 for each fiscal quarter thereafter.

The foregoing description of the Eighth Amendment to the Amended and Restated Revolving Credit Agreement is only a summary and is qualified in its entirety by reference to the full text of the Eighth Amendment and the Amended and Restated Revolving Credit Agreement, which is filed as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.

Item 2.02.   Results of Operations and Financial Condition; and

Item 7.01.   Regulation FD Disclosure.

On July 27, 2022, World Acceptance Corporation issued a press release announcing financial information for its first quarter ended June 30, 2022.  The press release is attached as Exhibit 99.1 to this Form 8-K and is furnished to, but not filed with, the Commission.
 
Item 9.01.   Financial Statements and Exhibits.

(d)
 Exhibits.
 
 
 
 
 
Exhibit Number
 Description of Exhibit
 
 10.1
 Eighth Amendment to Amended and Restated Revolving Credit Facility dated July 27, 2022
 
 99.1
 Press release issued July 27, 2022
  104
 Cover Page Interactive Data File (embedded within the Inline XBRL document)


                                       
SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 
WORLD ACCEPTANCE CORPORATION
 
(Registrant)
 
 
 
Date:  July 27, 2022
 
 
 
 By:
 /s/ John Calmes, Jr.
 
 
 John Calmes, Jr.
 
 
 Chief Financial and Strategy Officer


EX-10.1 2 a52792669ex10_1.htm EXHIBIT 10.1
Exhibit 10.1

EIGHTH AMENDMENT TO AMENDED AND
RESTATED REVOLVING CREDIT AGREEMENT
This Eighth Amendment to Amended and Restated Revolving Credit Agreement (herein, the “Amendment”) is entered into as July ___, 2022, by and among World Acceptance Corporation (the “Borrower”), Wells Fargo Bank, National Association together with the other financial institutions a party hereto (the “Lenders”) and Wells Fargo Bank, National Association, as Administrative Agent and Collateral Agent for the Lenders (the “Administrative Agent”).
 
Preliminary Statements
 
A.            The Borrower, the Lenders, and the Administrative Agent are parties to a certain Amended and Restated Revolving Credit Agreement, dated as of June 7, 2019 (as amended from time to time, the “Credit Agreement”).  All capitalized terms used herein without definition shall have the same meanings herein as such terms have in the Credit Agreement.
 
B.            The Borrower has requested that the Lenders make certain amendments to the Credit Agreement, and the Lenders are willing to do so under the terms and conditions set forth in this Amendment.
 
Now Therefore, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:
 
Section 1.  Amendments.
 
1.1.  Definition.  Effective as of June 30, 2022, the following definition contained in Section 5.1 of the Credit Agreement is amended and restated as follows:
 
“Net Income Available for Fixed Charges” for any period means Consolidated Adjusted Net Income during such period plus, to the extent deducted in determining Consolidated Adjusted Net Income, (a) all provisions for any Federal, state or other income taxes made by the Borrower and its Restricted Subsidiaries during such period, (b) Fixed Charges of the Borrower and its Restricted Subsidiaries during such period, (c) depreciation, amortization and non-cash share based compensation expenses during such period and (d) positive or negative non-cash provisions for “current expected loan losses” (under ASU 2016-13 or CECL) made by Borrower and its Restricted Subsidiaries during such period (which, for the avoidance of doubt,would be the total provision expense less actual net charge offs). 
 
1.2.  Financial Covenants.  Section 8.7(b) of the Credit Agreement is amended and restated as follows:
 
            (b)  The Borrower will have, at the end of each of the following fiscal quarters, a ratio of Net Income Available for Fixed Charges to Fixed Charges, calculated for the period of four consecutive fiscal quarters then ending, of not less than  (i) 2.25 to 1.0 for the fiscal quarters ending June 30, 2022, September 30, 2022 and December 31, 2022, (ii) 2.50 to 1.0 for the fiscal quarters ending March 31, 2023 and June 30, 2023 and (ii) 2.75 to 1.0 for each fiscal quarter thereafter.
 

Section 2.   Conditions Precedent.
 
The effectiveness of this Amendment is subject to the satisfaction of all of the following conditions precedent (the date on which the following conditions precedent have been satisfied being referred to herein as the “Effective Date”):
 
2.1.            The Borrower and the Lenders shall have executed and delivered this Amendment to the Administrative Agent.
 
2.2.            The Restricted Subsidiaries parties to the Subsidiary Guaranty Agreement shall have executed and delivered to the Administrative Agent their consent to this Amendment in the form set forth below.
 
2.3.            Payment by the Borrower to the Administrative Agent of a non-refundable amendment fee for the Lenders listed and in the amounts set forth on Schedule A attached hereto in immediately available funds, which fee shall be fully earned by such Lenders upon the effectiveness of this Agreement.
 
2.4.            Legal matters incident to the execution and delivery of this Amendment shall be satisfactory to the Administrative Agent and its counsel.
 
Section 3.  Representations.
 
In order to induce the Lenders to execute and deliver this Amendment, the Borrower hereby represents to the Administrative Agent, the Collateral Agent, and the Lenders that as of the date hereof, (a) the representations and warranties set forth in Section 6 of the Credit Agreement and in the other Loan Documents are and shall be and remain true and correct (except that the representations contained in Section 6.6 shall be deemed to refer to the most recent financial statements of the Borrower delivered to the Agent) and (b) the Borrower and the Restricted Subsidiaries are in compliance with the terms and conditions of the Credit Agreement and the other Loan Documents and no Default or Event of Default exists or shall result after giving effect to this Amendment.
 
Section 4.  Miscellaneous.
 
4.1.            Except as specifically amended herein, the Credit Agreement shall continue in full force and effect in accordance with its original terms.  Reference to this specific Amendment need not be made in the Credit Agreement, the Notes, or any other instrument or document executed in connection therewith, or in any certificate, letter or communication issued or made pursuant to or with respect to the Credit Agreement, any reference in any of such items to the Credit Agreement being sufficient to refer to the Credit Agreement as amended hereby.
 

4.2.            The Borrower heretofore executed and delivered, among other things, the Company Security Agreement and hereby acknowledges and agrees that the security interests and liens created and provided for therein secure the payment and performance of the Obligations under the Credit Agreement as amended hereby, which are entitled to all of the benefits and privileges set forth therein.  Without limiting the foregoing, the Borrower acknowledges that the “Secured Indebtedness” as defined in, and secured by the Collateral pursuant to, the Company Security Agreement shall be deemed amended to include all “Obligations” as defined in the Credit Agreement as amended hereby.
 
4.3.            The Borrower agrees to pay on demand all reasonable and documented costs and expenses of or incurred by the Administrative Agent in connection with the negotiation, preparation, execution and delivery of this Amendment and the other instruments and documents to be executed and delivered in connection herewith, including the fees and expenses of counsel for the Administrative Agent.
 
4.4.            This Amendment may be executed in any number of counterparts, and by the different parties on different counterpart signature pages, all of which taken together shall constitute one and the same agreement.  This Amendment may be executed by means of (a) an electronic signature that complies with the federal Electronic Signatures in Global and National Commerce Act, state enactments of the Uniform Electronic Transactions Act, or any other relevant and applicable electronic signatures law; (b) an original manual signature; or (c) an e-mail transmission of a Portable Document Format File (also known as an “PDF” file), faxed, scanned, or photocopied manual signature.  Each electronic signature or PDF, faxed, scanned, or photocopied manual signature shall for all purposes have the same validity, legal effect, and admissibility in evidence as an original manual signature.  This Amendment shall be governed by, and construed in accordance with, the internal laws of the State of New York (without regard to principles of conflicts of laws).
 
 
 
[Signature Pages to Follow]
 
This Amendment is entered into as of the date and year first above written.
 
 
WORLD ACCEPTANCE CORPORATION
   
 
By:

    R. Chad Prashad, President and Chief Executive Officer


Accepted and agreed to:
 
 
WELLS FARGO BANK, NATIONAL ASSOCIATION,
individually as a Lender and as Administrative Agent and Collateral Agent
   
 
By:
  Name:
  
  Title:
  



[Signature Page to Eighth Amendment to Amended and Restated Revolving Credit Agreement]


 BANK OF MONTREAL
     
     
  By
   
Name
   
Title
     
 
TEXAS CAPITAL BANK, FORMERLY KNOWN AS TEXAS CAPITAL BANK,
NATIONAL ASSOCIATION
     
     
  By
  
    Name
    Title
     
 
FIRST HORIZON BANK, SUCCESSOR-BY-CONVERSION TO FIRST
TENNESSEE BANK NATIONAL ASSOCIATION
     
     
  By
  
    Name
    Title
     
  BANKUNITED, N.A. 
     
     
  By
  
    Name
     
  AXOS BANK
     
     
  By
 
    Name
    Title
 


PACIFIC WESTERN BANK 
     
     
  By
   
Name
   
Title





ACKNOWLEDGMENT AND CONSENT
 
Each of the undersigned is a Restricted Subsidiary of World Acceptance Corporation who has executed and delivered to the Collateral Agent, the Administrative Agent, and the Lenders the Subsidiary Guaranty Agreement and the Subsidiary Security Agreement.  Each of the undersigned hereby acknowledges and consents to the Eighth Amendment to Amended and Restated Revolving Credit Agreement set forth above (the “Amendment”) and confirms that the Loan Documents executed by it, and all of its obligations thereunder, remain in full force and effect, and that the security interests and liens created and provided for therein continue to secure the payment and performance of the Obligations of the Borrower under the Credit Agreement after giving effect to the Amendment.
 
Dated as of the date of the Amendment.
 
[Signature Page to Acknowledgment and Consent to Follow]
 
Each of the undersigned acknowledges that the Collateral Agent, the Administrative Agent, and the Lenders are relying on the foregoing in entering into the Amendment.
 
 
WORLD ACCEPTANCE CORPORATION OF ALABAMA
 
WORLD ACCEPTANCE CORPORATION OF MISSOURI
 
WORLD FINANCE COMPANY OF GEORGIA, LLC
 
WORLD FINANCE CORPORATION OF LOUISIANA
 
WORLD ACCEPTANCE CORPORATION OF OKLAHOMA, INC.
WAC OF OKLAHOMA, LP
 
WORLD FINANCE COMPANY OF SOUTH CAROLINA, LLC
WAC OF SOUTH CAROLINA, LLC
 
WORLD FINANCE CORPORATION OF TENNESSEE
 
WFC OF SOUTH CAROLINA, INC.
 
WORLD FINANCE CORPORATION OF ILLINOIS
 
WORLD FINANCE CORPORATION OF NEW MEXICO
 
WORLD FINANCE COMPANY OF KENTUCKY, LLC
 
WORLD FINANCE CORPORATION OF COLORADO
 
WORLD FINANCE CORPORATION OF WISCONSIN
 
WFC SERVICES, INC.
 
WORLD FINANCE COMPANY OF MISSISSIPPI, LLC
  WORLD FINANCE COMPANY OF IDAHO, LLC

WORLD FINANCE COMPANY OF UTAH, LLC
  WORLD FINANCE COMPANY OF INDIANA, LLC


  By
    R. Chad Prashad, President and Chief Executive Officer
 


 
WFC Limited Partnership
   
 
By WFC of South Carolina, Inc.,
as sole general partner
   
 
By
  




SCHEDULE A
Amendment Fee
Lender
  
Amendment
Fee
  
WFPC
  
$
54,000.00
  
BMO
  
$
40,500.00
  
Texas Capital
  
$
12,000.00
  
First Horizon
  
$
22,500.00
  
Pacific West Bank
  
$
22,500.00
  
Axos Bank
  
$
39,000.00
  
TOTAL   
 
$
190,500.00
  




EX-99.1 3 a52792669ex99_1.htm EXHIBIT 99.1
Exhibit 99.1

World Acceptance Corporation Reports Fiscal 2023 First Quarter Results

GREENVILLE, S.C.--(BUSINESS WIRE)--July 27, 2022--World Acceptance Corporation (NASDAQ: WRLD) today reported financial results for its first quarter of fiscal 2023 and three months ended June 30, 2022.

First quarter highlights

During its first quarter, the World Acceptance Corporation experienced exceptional growth in both loan balances and customer base even while tightening our underwriting at the beginning of the quarter. While this growth initially depresses current earnings due to the day one provisioning for anticipated credit losses under the current accounting standards, it positions the company well for the future as these customers continue to generate revenue over the long term.

Highlights from the first quarter include:

  • Unique customer base grew 11.4% from same quarter prior year
  • Gross loans outstanding of $1.64 billion, a 34.2% increase from same quarter prior year
  • Total revenues of $157.6 million, a 21.5% increase from the same quarter prior year
  • Net loss of $8.8 million and adjusted net income of $6.6 million
  • Net loss per diluted share of $1.53, and adjusted net income per diluted share of $1.15
  • Cash flow from operating activities of $58.2 million over the last three months, a 18.8% increase from FY2022

Portfolio results

Gross loans outstanding increased to $1.64 billion as of June 30, 2022, a 34.2% increase from the $1.22 billion of gross loans outstanding for the period ended June 30, 2021. During the most recent quarter, gross loans outstanding increased 7.8%, or $119.0 million, from Q4 fiscal 2022 compared to an increase of 10.7%, or $118.4 million, in the comparable quarter of the prior year. During the quarter, we saw an increase in borrowing from new, current and former customers that exceeded comparable pre-pandemic volumes. We have seen increased demand for new customer applications since the third quarter of fiscal 2022. The borrowing increase was driven by an increase in applications under tightened underwriting standards initiated during the third quarter of fiscal 2022. Underwriting was tightened further in April for the current fiscal year.

The following table includes the volume of gross loan origination balances, excluding tax advance loans, by customer type for the following comparative quarterly periods:

 


Q1 FY 2023

 

Q1 FY 2022

 

Q1 FY 2021

New Customers


$75,263,048

 

$58,956,364

 

$17,737,020

Former Customers


$110,262,220

 

$104,117,107

 

$39,210,936

Refinance Customers


$746,840,769

 

$595,277,770

 

$412,496,734

Our customer base increased by 11.4% during the twelve-month period ended as of June 30, 2022, compared to a decrease of 6.5% for the comparable period ended June 30, 2021. During the quarter ended June 30, 2022, the number of unique borrowers in the portfolio increased by 0.2% compared to a decrease of 1.0% during the quarter ended June 30, 2021. As a result of the expanded emphasis on our larger loan offerings, the average gross loan balance increased 20.8% during the twelve-month period ended June 30, 2022, compared to June 30, 2021. As a result of underwriting changes over the past several quarters, the number of new customer loans originated during the quarter declined 27-30% when compared to the most recent pre-pandemic Q1 levels as the increased credit quality requirements resulted in a 28-31% lower book-to-look rate when compared to the same periods.

As of June 30, 2022, the Company had 1,146 open branches. For branches open throughout both periods, same store gross loans increased 38.2% in the twelve-month period ended June 30, 2022, compared to an increase of 16.4% for the twelve-month period ended June 30, 2021. For branches open throughout both periods, the customer base over the twelve-month period ended June 30, 2022, increased 14.6% compared to a decrease of 5.1% for the twelve months ended June 30, 2021.

Three-month financial results

Net income for the first quarter of fiscal 2023 decreased by $24.6 million to an $8.8 million loss from $15.8 million for the same quarter of the prior year. Net income per diluted share decreased to $1.53 loss per share in the first quarter of fiscal 2023 from $2.44 per share for the same quarter of the prior year. Net income was significantly impacted by an increase in the day one provision for credit losses under the accounting standards that is directly related to the growth and the impact of seasonality on the expected loss rates. Net income adjusted for the impact of the change in the allowance for credit losses but including the impact of recognized net credit losses was $6.6 million for the current quarter compared to $20.5 million in the same quarter of the prior year. Adjusted net income per diluted share decreased to $1.15 per share in the first quarter of fiscal 2023 from $3.17 per share for the same quarter of the prior year. We believe this provides additional insight into our operations and profitability in periods of substantial growth and provides additional information regarding the expected loss rates due to credit normalization and seasonality. See further discussion on the current quarter provision and impact of current expected credit loss below.

The Company repurchased 73,643 shares of its common stock on the open market at an aggregate purchase price of approximately $14.3 million during the first quarter of fiscal 2023. This is in addition to repurchase of 589,533 shares in fiscal 2022 at an aggregate purchase price of approximately $111.1 million and the repurchase of 1,129,875 shares in fiscal 2021 at an aggregate purchase price of approximately $102.4 million. The Company had approximately 5.7 million common shares outstanding, excluding approximately 550,000 unvested restricted shares, as of June 30, 2022. As of June 30, 2022, the Company had the ability to repurchase approximately $1.1 million of additional shares under its current share repurchase program and, subject to board approval, could repurchase approximately $14.2 million of shares under the terms of its debt facilities.

Total revenues for the first quarter of fiscal 2023 increased to $157.6 million, a 21.5% increase from $129.7 million for the same quarter of the prior year. This was driven by an increase in average gross earning loans (total gross loans less gross loans 60 days contractually past due and tax advances) of 29.7%. Interest and fee income increased 19.3%, from $109.2 million in the first quarter of fiscal 2022 to $130.2 million in the first quarter of fiscal 2023 due to an increase in loans outstanding. Insurance income increased by 37.2% to $17.0 million in the first quarter of fiscal 2023 compared to $12.4 million in the first quarter of fiscal 2022. The large loan portfolio increased from 46.0% of the overall portfolio as of June 30, 2021, to 53.4% as of June 30, 2022. This resulted in lower interest and fee yields but higher insurance sales in the most recent quarter, given that the sale of insurance products is limited to large loans in several states in which we operate. Other income increased by 28.3% to $10.3 million in the first quarter of fiscal 2022 compared to $8.1 million in the fourth quarter of fiscal 2021. Other income includes a $3.1 million bargain purchase gain during the current quarter.

On April 1, 2020, the Company replaced its incurred loss methodology with a current expected credit loss ("CECL") methodology to accrue for expected losses. This change in accounting methodology requires us to create a larger provision for credit losses on the day we originate the loan compared to the prior methodology. The provision for credit losses increased $55.6 million to $85.8 million from $30.3 million when comparing the first quarter of fiscal 2023 to the first quarter of fiscal 2022. The table below itemizes the key components of the CECL allowance and provision impact during the quarter.

CECL Allowance and Provision (Dollars in millions)

 

FY 2023

 

FY 2022

 

Difference

Beginning Allowance - March 31

 

$134.2

 

$91.7

 

$42.5

Change due to Growth

 

$10.5

 

$9.8

 

$0.7

Change due to Expected Loss Rate on Performing Loans

 

$16.8

 

$2.5

 

$14.3

Change due to 90 day past due

 

$(5.9)

 

$(6.2)

 

$0.3

Ending Allowance - June 30

 

$155.6

 

$97.8

 

$57.8

 

 

 

 

 

 

 

Net Charge-offs

 

$64.4

 

$24.1

 

$40.3

Provision

 

$85.8

 

$30.3

 

$55.5

Note: The change in allowance for the quarter plus net charge-offs for the quarter equals the provision for the quarter.

The change in the allowance during the quarter was significantly impacted by both growth and changes in expected loss rates on our performing loans. The three most important factors impacting the expected loss rates on performing loans are recent actual loss performance, changes in mix of the portfolio tenure, and a seasonality factor. The seasonality factor had the most significant impact on the expected loss rates during the quarter, resulting in a 14.5% increase in the portfolio expected loss rates or approximately $13.4 million. The table below includes the seasonality factor for each quarter end.

Quarter End


Seasonality Factor

March 31


0.943738

June 30


1.080301

September 30


1.047518

December 31


0.938281

Expected loss rates by tenure bucket also increased due to actual loss rates increasing as credit normalizes. This was offset to some degree by a shift in portfolio mix to more tenured customers.

Net charge-offs for the quarter increased $40.3 million, from $24.1 million in the first quarter of fiscal 2022 to $64.4 million in the first quarter of fiscal 2023. Net charge-offs as a percentage of average net loan receivables on an annualized basis increased from 11.4% in the first quarter of fiscal 2022 to 22.3% in the first quarter of fiscal 2023. Annualized net charge-offs were 18.3% for the first quarter of fiscal 2021. The increase in delinquency and charge-offs were expected due to the increase in new and shorter tenured customers over the last twelve months.

Accounts 61 days or more past due increased to 6.9% on a recency basis at June 30, 2022, compared to 4.0% at June 30, 2021, and 5.7% at June 30, 2020. Total delinquency on a recency basis increased to 11.2% at June 30, 2022, compared to 6.7% at June 30, 2021, and 8.3% at June 30, 2020. Our allowance for credit losses as a percent of net loans receivable was 13.0% at June 30, 2022, compared to 10.9% at June 30, 2021, and 14.2% at June 30, 2020. The increase in delinquency was expected given the increase in new, shorter tenured borrowers in recent quarters.

The table below is updated to use the customer tenure based methodology that aligns with our CECL methodology. After experiencing rapid portfolio growth during fiscal years 2019 and 2020, primarily in new customers, our gross loan balance experienced pandemic related declines in fiscal 2021 before rebounding during fiscal 2022. The tables below illustrate the changes in the portfolio weighting.

Gross Loan Balance By Customer Tenure at Origination

As of


Less Than 2 Years


More Than 2 Years


Total

06/30/2017


$273,887,376


$707,810,306


$981,697,682

06/30/2018


$319,827,964


$742,845,987


$1,062,673,951

06/30/2019


$429,461,205


$793,297,330


$1,222,758,535

06/30/2020


$355,437,073


$712,516,701


$1,067,953,773

06/30/2021


$382,753,073


$840,444,842


$1,223,197,915

06/30/2022


$522,860,576


$1,119,072,168


$1,641,932,744

Year-Over-Year Growth (Decline) in Gross Loan Balance by Customer Tenure at Origination

12 Month Period Ended


Less Than 2 Years

 

More Than 2 Years

 

Total

6/30/2017


$4,751,788

 

$(9,068,937)

 

$(4,317,149)

6/30/2018


$45,940,588

 

$35,035,681

 

$80,976,269

6/30/2019


$109,633,241

 

$50,451,343

 

$160,084,584

6/30/2020


$(74,024,133)

 

$(80,780,629)

 

$(154,804,762)

6/30/2021


$27,316,000

 

$127,928,141

 

$155,244,141

6/30/2022


$140,107,503

 

$278,627,326

 

$418,734,829

Portfolio Mix by Customer Tenure at Origination

As of


Less Than 2 Years

 

More Than 2 Years

6/30/2017


27.9%

 

72.1%

6/30/2018


30.1%

 

69.9%

6/30/2019


35.1%

 

64.9%

6/30/2020


33.3%

 

66.7%

6/30/2021


31.3%

 

68.7%

6/30/2022


31.8%

 

68.2%

While the mix of less than two year customer balances is relatively consistent with June 30, 2021, there has been a significant increase in the shortest tenured customers within this cohort. The 0-5 month customer bucket has increased from 8.5% of the overall portfolio as of June 30, 2021, to 11.9% of the portfolio as of June 30, 2022. The 0-5 month customer is our riskiest customer.

General and administrative (“G&A”) expenses decreased $0.5 million, or 0.7%, to $72.9 million in the first quarter of fiscal 2023 compared to $73.4 million in the same quarter of the prior fiscal year. As a percentage of revenues, G&A expenses decreased from 56.6% during the first quarter of fiscal 2022 to 46.2% during the first quarter of fiscal 2023. G&A expenses per average open branch increased by 3.3% when comparing the first quarter of fiscal 2023 to the first quarter fiscal 2022.

Personnel expense decreased $1.1 million, or 2.3%, during the first quarter of fiscal 2023 as compared to the first quarter of fiscal 2022. Salary expense increased approximately $1.6 million, or 5.6%, in the quarter ended June 30, 2022, compared to the quarter ended June 30, 2021. Our headcount as of June 30, 2022, increased 3.3% compared to June 30, 2021. Benefit expense decreased approximately $0.4 million, or 4.0%, when comparing the quarterly periods ended June 30, 2022 and 2021. Incentive expense decreased $2.1 million, or 17.4%, in the first quarter of fiscal 2023 compared to first quarter of fiscal 2022.

Occupancy and equipment expense decreased $0.4 million, or 2.7%, when comparing the quarterly periods ended June 30, 2022 and 2021. The prior year includes a $0.3 million write down of signage as a result of rebranding our offices in the prior year fourth quarter and we did not have any similar expense this year.

Advertising expense decreased $1.6 million, or 41.3%, in the first quarter of fiscal 2023 compared to the first quarter of fiscal 2022 due to decreased spending on new customer acquisition programs.

Other expense increased $2.6 million, or 30.0%, in the first quarter of fiscal 2023 compared to the fourth quarter of fiscal 2022.

Interest expense for the quarter ended June 30, 2022, increased by $5.7 million, or 103.1%, from the corresponding quarter of the previous year. Interest expense increased due to an increase in average debt outstanding and a 20.0% increase in the effective interest rate from 5.0% to 6.0%. The average debt outstanding increased from $420.2 million to $741.7 million when comparing the quarters ended June 30, 2021 and 2022. The Company’s debt to equity ratio increased to 2.2:1 at June 30, 2022, compared to 1.2:1 at June 30, 2021. As of June 30, 2022, the Company had $777.0 million of debt outstanding, net of unamortized debt issuance costs related to the unsecured senior notes payable.

Other key return ratios for the first quarter of fiscal 2023 included a 2.5% return on average assets and a return on average equity of 7.5% (both on a trailing twelve-month basis).

Non-GAAP financial measures

From time-to-time the Company uses certain financial measures derived on a basis other than generally accepted accounting principles (“GAAP”), primarily by excluding from a comparable GAAP measure certain items the Company does not consider to be representative of its actual operating performance. Such financial measures qualify as “non-GAAP financial measures” as defined in SEC rules. The Company uses these non-GAAP financial measures in operating its business because management believes they are less susceptible to variances in actual operating performance that can result from the excluded items and other infrequent charges. The Company may present these financial measures to investors because management believes they are useful to investors in evaluating the primary factors that drive the Company’s core operating performance and provide greater transparency into the Company’s results of operations. However, items that are excluded and other adjustments and assumptions that are made in calculating these non-GAAP financial measures are significant components to understanding and assessing the Company’s financial performance. Such non-GAAP financial measures should be evaluated in conjunction with, and are not a substitute for, the Company’s GAAP financial measures. Further, because these non-GAAP financial measures are not determined in accordance with GAAP and are, thus, susceptible to varying calculations, any non-GAAP financial measures, as presented, may not be comparable to other similarly titled measures of other companies.

For purposes of assessing performance, the Company will adjust earnings to remove the impact of the change in the allowance for credit losses but including the impact of recognized net credit losses. The Company believes this measure improves the compatibility of our results to peer companies who use varying methods to determine their allowance for credit losses under the CECL. The measure also normalizes earnings for the impact of growth, seasonality and periods of volatility in expected loss rates.

This measure has limitations as an analytical tool and should not be considered in isolation or as a substitute for GAAP earnings or other income statement data prepared in accordance with GAAP. The following table reconciles GAAP net income (loss) to Adjusted net income (loss):

 

Three months
ended
June 30,

 

Three months
ended
June 30,

 

2022

 

2021

 

 

 

 

Income (loss) before income taxes

$(12,252,252)

 

$

20,541,298

 

 

 

 

 

Provision for credit losses

85,822,267

 

 

30,265,811

 

Net charge-offs

(64,414,450)

 

 

(24,135,468

)

Adjusted income before income taxes

9,155,565

 

 

26,671,641

 

Income taxes at actual rate

2,577,555

 

 

6,194,169

 

Adjusted net income

$6,578,010

 

$

20,477,472

 

 

 

 

 

Weighted average dilutive shares outstanding

5,740,835

 

 

6,455,753

 

 

 

 

 

Adjusted net income per common share, diluted

$1.15

 

$

3.17

 

About World Acceptance Corporation (World Finance)

Founded in 1962, World Acceptance Corporation (NASDAQ: WRLD), is a people-focused finance company that provides personal installment loan solutions and personal tax preparation and filing services to over one million customers each year. Headquartered in Greenville, South Carolina, the Company operates more than 1,100 community-based World Finance branches across 16 states. The Company primarily serves a segment of the population that does not have ready access to credit; however, unlike many other lenders in this segment, we strive to work with our customers to understand their broader financial pictures, ensure they have the ability and stability to make payments, and help them achieve their financial goals. For more information, visit www.loansbyworld.com.

First quarter conference call

The senior management of World Acceptance Corporation will be discussing these results in its quarterly conference call to be held at 10:00 a.m. Eastern Time today. A simulcast of the conference call will be available on the Internet at https://event.choruscall.com/mediaframe/webcast.html?webcastid=DC1YNN8t. The call will be available for replay on the Internet for approximately 30 days.

During the conference call, the Company may discuss and answer questions concerning business and financial developments and trends that have occurred after quarter end. The Company’s responses to questions, as well as other matters discussed during the conference call, may contain or constitute information that has not been disclosed previously.

Cautionary Note Regarding Forward-looking Information

This press release may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, that represent the Company’s current expectations or beliefs concerning future events. Statements other than those of historical fact, as well as those identified by words such as “anticipate,” “estimate,” intend,” “plan,” “expect,” “project,” “believe,” “may,” “will,” “should,” “would,” “could,” “probable” and any variation of the foregoing and similar expressions are forward-looking statements. Such forward-looking statements are inherently subject to risks and uncertainties. The Company’s actual results and financial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not rely on any of these forward-looking statements. Important factors that could cause actual results or performance to differ from the expectations expressed or implied in such forward-looking statements include the following: the ongoing impact of the COVID-19 pandemic and the mitigation efforts by governments and related effects on our financial condition, business operations and liquidity, our customers, our employees, and the overall economy; recently enacted, proposed or future legislation and the manner in which it is implemented; changes in the U.S. tax code; the nature and scope of regulatory authority, particularly discretionary authority, that may be exercised by regulators, including, but not limited to, U.S. Consumer Financial Protection Bureau, and individual state regulators having jurisdiction over the Company; the unpredictable nature of regulatory proceedings and litigation; employee misconduct or misconduct by third parties; uncertainties associated with management turnover and the effective succession of senior management; media and public characterization of consumer installment loans; labor unrest; the impact of changes in accounting rules and regulations, or their interpretation or application, which could materially and adversely affect the Company’s reported consolidated financial statements or necessitate material delays or changes in the issuance of the Company’s audited consolidated financial statements; the Company's assessment of its internal control over financial reporting; changes in interest rates; the impact of inflation; risks relating to the acquisition or sale of assets or businesses or other strategic initiatives, including increased loan delinquencies or net charge-offs, the loss of key personnel, integration or migration issues, the failure to achieve anticipated synergies, increased costs of servicing, incomplete records, and retention of customers; risks inherent in making loans, including repayment risks and value of collateral; cybersecurity threats, including the potential misappropriation of assets or sensitive information, corruption of data or operational disruption; our dependence on debt and the potential impact of limitations in the Company’s amended revolving credit facility or other impacts on the Company's ability to borrow money on favorable terms, or at all; the timing and amount of revenues that may be recognized by the Company; changes in current revenue and expense trends (including trends affecting delinquency and charge-offs); the impact of extreme weather events and natural disasters; changes in the Company’s markets and general changes in the economy (particularly in the markets served by the Company).

These and other factors are discussed in greater detail in Part I, Item 1A, “Risk Factors” in the Company’s most recent annual report on Form 10-K for the fiscal year ended March 31, 2022, as filed with the SEC and the Company’s other reports filed with, or furnished to, the SEC from time to time. World Acceptance Corporation does not undertake any obligation to update any forward-looking statements it makes. The Company is also not responsible for updating the information contained in this press release beyond the publication date, or for changes made to this document by wire services or Internet services.

WORLD ACCEPTANCE CORPORATION AND SUBSIDIARIES


CONSOLIDATED STATEMENTS OF OPERATIONS

(unaudited and in thousands, except per share amounts)

 


Three months ended June 30,

 


2022

 

2021

Revenues:


 

 

 

Interest and fee income


$

130,205

 

 

$

109,175

Insurance income, net and other income


 

27,389

 

 

 

20,484

Total revenues


 

157,594

 

 

 

129,659

 


 

 

 

Expenses:


 

 

 

Provision for credit losses


 

85,822

 

 

 

30,266

General and administrative expenses:


 

 

 

Personnel


 

45,178

 

 

 

46,232

Occupancy and equipment


 

13,235

 

 

 

13,607

Advertising


 

2,208

 

 

 

3,760

Amortization of intangible assets


 

1,132

 

 

 

1,215

Other


 

11,097

 

 

 

8,537

Total general and administrative expenses


 

72,850

 

 

 

73,351

 


 

 

 

Interest expense


 

11,174

 

 

 

5,501

Total expenses


 

169,846

 

 

 

109,118

 


 

 

 

Income (loss) before income taxes


 

(12,252

)

 

 

20,541

 


 

 

 

Income taxes


 

(3,449

)

 

 

4,770

 


 

 

 

Net income (loss)


$

(8,803

)

 

$

15,771

 


 

 

 

Net income (loss) per common share, diluted


$

(1.53

)

 

$

2.44

 


 

 

 

Weighted average diluted shares outstanding


 

5,741

 

 

 

6,456

WORLD ACCEPTANCE CORPORATION AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(unaudited and in thousands)







 

 


June 30, 2022

 

March 31, 2022

 

June 30, 2021

ASSETS


 

 

 

 

 

Cash and cash equivalents


$

13,303

 

 

$

19,236

 

 

$

8,387

 

Gross loans receivable


 

1,641,798

 

 

 

1,522,789

 

 

 

1,223,139

 

Less:


 

 

 

 

 

Unearned interest, insurance and fees


 

(447,290

)

 

 

(403,031

)

 

 

(322,754

)

Allowance for credit losses


 

(155,651

)

 

 

(134,243

)

 

 

(97,853

)

Loans receivable, net


 

1,038,857

 

 

 

985,515

 

 

 

802,532

 

Operating lease right-of-use assets, net


 

86,224

 

 

 

85,631

 

 

 

87,951

 

Finance lease right-of-use assets, net


 

505

 

 

 

608

 

 

 

912

 

Property and equipment, net


 

24,164

 

 

 

24,476

 

 

 

25,391

 

Deferred income taxes, net


 

45,579

 

 

 

39,801

 

 

 

28,782

 

Other assets, net


 

44,231

 

 

 

35,902

 

 

 

38,867

 

Goodwill


 

7,371

 

 

 

7,371

 

 

 

7,371

 

Intangible assets, net


 

18,839

 

 

 

19,756

 

 

 

22,340

 

Assets held for sale


 

—

 

 

 

—

 

 

 

1,144

 

Total assets


$

1,279,073

 

 

$

1,218,296

 

 

$

1,023,677

 

 


 

 

 

 

 

LIABILITIES & SHAREHOLDERS' EQUITY


 

 

 

 

 

Liabilities:


 

 

 

 

 

Senior notes payable


$

481,393

 

 

$

396,973

 

 

$

467,700

 

Senior unsecured notes payable, net


 

295,645

 

 

 

295,394

 

 

 

—

 

Income taxes payable


 

6,632

 

 

 

7,384

 

 

 

12,407

 

Operating lease liability


 

88,304

 

 

 

87,399

 

 

 

89,441

 

Finance lease liability


 

46

 

 

 

80

 

 

 

431

 

Accounts payable and accrued expenses


 

52,926

 

 

 

58,042

 

 

 

48,227

 

Total liabilities


 

924,946

 

 

 

845,272

 

 

 

618,206

 

 


 

 

 

 

 

Shareholders' equity


 

354,127

 

 

 

373,024

 

 

 

405,471

 

Total liabilities and shareholders' equity


$

1,279,073

 

 

$

1,218,296

 

 

$

1,023,677

 

WORLD ACCEPTANCE CORPORATION AND SUBSIDIARIES

SELECTED CONSOLIDATED STATISTICS

(unaudited and in thousands, except percentages and branches)

 

 

Three months ended June 30,

 

 

2022

 

2021

 

 

 

 

 

Gross loans receivable

 

$

1,641,798

 

 

$

1,223,139

 

Average gross loans receivable (1)

 

 

1,575,548

 

 

 

1,144,425

 

Net loans receivable (2)

 

 

1,194,508

 

 

 

900,385

 

Average net loans receivable (3)

 

 

1,152,981

 

 

 

849,175

 

 

 

 

 

 

Expenses as a percentage of total revenue:

 

 

 

 

Provision for credit losses

 

 

54.5

%

 

 

23.3

%

General and administrative

 

 

46.2

%

 

 

56.6

%

Interest expense

 

 

7.1

%

 

 

4.2

%

Operating income (loss) as a % of total revenue (4)

 

 

(0.7

) %

 

 

20.1

%

 

 

 

 

 

Loan volume (5)

 

 

932,379

 

 

 

754,209

 

 

 

 

 

 

Net charge-offs as percent of average net loans receivable on an annualized basis

 

 

22.3

%

 

 

11.4

%

 

 

 

 

 

Return on average assets (trailing 12 months)

 

 

2.5

%

 

 

9.1

%

 

 

 

 

 

Return on average equity (trailing 12 months)

 

 

7.5

%

 

 

23.0

%

 

 

 

 

 

Branches opened or acquired (merged or closed), net

 

 

(21

)

 

 

—

 

 

 

 

 

 

Branches open (at period end)

 

 

1,146

 

 

 

1,205

 

_______________________________________________________

(1) Average gross loans receivable have been determined by averaging month-end gross loans receivable over the indicated period, excluding tax advances.

(2) Net loans receivable is defined as gross loans receivable less unearned interest and deferred fees.

(3) Average net loans receivable have been determined by averaging month-end gross loans receivable less unearned interest and deferred fees over the indicated period, excluding tax advances.

(4) Operating income is computed as total revenues less provision for credit losses and general and administrative expenses.

(5) Loan volume includes all loan balances originated by the Company. It does not include loans purchased through acquisitions.

 

Contacts

John L. Calmes, Jr.
Chief Financial and Strategy Officer
(864) 298-9800

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