World Acceptance Corporation (WRLD) — Earnings Call X-Ray
Our AI read all 39 of WRLD's earnings calls (2016–2025) and answered the same battery of questions about each one. Every past call is free; the newest quarter unlocks with a free account.
Previous Call Grade
B
Q4 2025
Calls Analyzed
39
2016–2025
Avg Candor
6.5/9
evasion 2.9/9
Call-by-call analysis
🔒 Q1 2026 earnings call
2025-07-24
NEWEST
Guidance: ■■■■■Demand: ■■■■■■
Margins: ■■■■Backlog: ■■■■
■ analysts, ■■ questionsexpected move ±■■%
Management ■■■■■■ guidance against ■■■■■■■■ demand and ■■■■■■■ margins. The delivery was ■■■■■■■■ and ■■■■ in specifics, with ■■■ questions left hanging.
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B
Q4 2025 earnings call
2025-04-29
move ±18.6%
Management held guidance steady against steady demand and expanding margins. The delivery was unusually candid, rich in specifics.
Guidance: maintainedDemand: stableMargins: expandingPricing: raising 2 analysts · 5 questions
⚑ Critic ammunition✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubtsDirection beats results
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
YES Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
YES Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
B
Q3 2025 earnings call
2025-01-28
move ±13.9%
Management held guidance steady against accelerating demand and expanding margins. The delivery was unusually candid, rich in specifics, relaxed under questioning.
Guidance: maintainedDemand: acceleratingMargins: expandingPricing: raising 2 analysts · 5 questions
⚑ Critic ammunition✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
C+
Q2 2025 earnings call
2024-10-25
move ±9.1%
Management held guidance steady against accelerating demand and expanding margins. The delivery was unusually candid, rich in specifics.
Guidance: maintainedDemand: acceleratingMargins: expandingPricing: raising 1 analysts · 4 questions
⚑ Critic ammunition✓ Guidance underwritable✓ Resolves doubts✓ Volume step-up aheadDirection beats results
All 20 questions our AI answered about this call
NO Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
YES Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
YES Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
D
Q1 2025 earnings call
2024-07-26
move ±13.8%
Management held guidance steady against steady demand and expanding margins. The delivery was rich in specifics.
Guidance: maintainedDemand: stableMargins: expandingPricing: raisingHeadcount: cutting 2 analysts · 8 questions
⚑ Critic ammunition⚑ Question left hangingDirection beats results
All 20 questions our AI answered about this call
NO Would a skeptical short-seller find this call reassuring?
NO Would a careful investor underwrite management's guidance?
NO Is management's confidence proportionate to the evidence presented?
NO Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
YES Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
YES Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
B+
Q4 2024 earnings call
2024-05-03
move ±8%
Management held guidance steady against accelerating demand and expanding margins. The delivery was unusually candid, rich in specifics.
Guidance: maintainedDemand: acceleratingMargins: expandingPricing: raising 1 analysts · 3 questions
✓ Clean call✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
NO Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
B+
Q3 2024 earnings call
2024-01-19
move ±11.6%
Management held guidance steady against accelerating demand and expanding margins. The delivery was unusually candid, rich in specifics.
Guidance: maintainedDemand: acceleratingMargins: expandingPricing: raising 2 analysts · 5 questions
✓ Clean call✓ Skeptic reassured✓ Guidance underwritable✓ Resolves doubts
All 20 questions our AI answered about this call
YES Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
NO Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
NO Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
D
Q2 2024 earnings call
2023-10-20
move ±15.8%
Management lowered guidance against steady demand and expanding margins. The delivery was unusually candid.
Guidance: loweredDemand: stableMargins: expandingPricing: raising 2 analysts · 8 questions
⚑ Critic ammunition✓ Guidance underwritable✓ Resolves doubtsDirection beats results
All 20 questions our AI answered about this call
NO Would a skeptical short-seller find this call reassuring?
YES Would a careful investor underwrite management's guidance?
YES Is management's confidence proportionate to the evidence presented?
YES Does the call resolve more doubts than it creates?
YES Is there something a critic could fairly use against the company?
NO Is a claimed advantage dependent on scale they lack?
NO Does an obvious question remain unanswered?
NO Is a product early in its life but growing very fast?
NO Do they serve a small fraction of their addressable customers?
NO Is volume about to step up rather than grow gradually?
NO Are high fixed costs currently underutilised?
YES Is pricing recovering from a depressed level?
YES Do current results look bad while the direction looks better?
NO Are deferred revenue or customer prepayments growing?
NO Is consolidation happening among their peers?
NO Is a founder still running the company?
NO Does the final speaker sound like they are summarizing a finished story?
NO Is a fast-growing segment obscured by a declining one?
NO Does the CFO speak more than the CEO?
NO Does the call read rehearsed rather than lived?
Earlier calls
| Call | Date | Grade | Guidance | Demand | Margins | Candor | Evasion |
|---|
| Q1 2024 |
2023-07-21 |
C+ |
maintained | accelerating | expanding |
7/9 |
2/9 |
| Q4 2023 |
2023-05-05 |
A |
raised | stable | expanding |
8/9 |
1/9 |
| Q3 2023 |
2023-01-27 |
A |
accelerating | — | unclear |
8/9 |
1/9 |
| Q2 2023 |
2022-10-30 |
D |
lowered | stable | unclear |
7/9 |
2/9 |
| Q1 2023 |
2022-07-27 |
D |
maintained | accelerating | contracting |
7/9 |
3/9 |
| Q4 2022 |
2022-05-07 |
D |
maintained | accelerating | unclear |
6/9 |
5/9 |
| Q3 2022 |
2022-01-25 |
D |
maintained | accelerating | contracting |
6/9 |
3/9 |
| Q2 2022 |
2021-10-26 |
D |
maintained | accelerating | contracting |
6/9 |
4/9 |
| Q1 2022 |
2021-07-21 |
B |
maintained | accelerating | unclear |
7/9 |
1/9 |
| Q4 2021 |
2021-05-09 |
C+ |
none | accelerating | unclear |
7/9 |
3/9 |
| Q3 2021 |
2021-01-22 |
C+ |
none | accelerating | unclear |
7/9 |
2/9 |
| Q2 2021 |
2020-10-22 |
B |
none | accelerating | unclear |
7/9 |
2/9 |
| Q1 2021 |
2020-08-02 |
C+ |
none | mixed | unclear |
8/9 |
2/9 |
| Q4 2020 |
2020-05-08 |
C |
none | slowing | unclear |
7/9 |
2/9 |
| Q3 2020 |
2020-01-30 |
D |
maintained | accelerating | contracting |
6/9 |
4/9 |
| Q2 2020 |
2019-11-03 |
D |
none | accelerating | contracting |
6/9 |
3/9 |
| Q1 2019 |
2019-07-25 |
C |
none | accelerating | contracting |
7/9 |
4/9 |
| Q4 2019 |
2019-05-12 |
B+ |
none | accelerating | unclear |
7/9 |
2/9 |
| Q3 2019 |
2019-01-31 |
D |
none | accelerating | unclear |
6/9 |
4/9 |
| Q2 2019 |
2018-11-02 |
C+ |
none | accelerating | unclear |
7/9 |
3/9 |
| Q1 2019 |
2018-07-26 |
F |
none | stable | unclear |
5/9 |
4/9 |
| Q4 2018 |
2018-05-10 |
B |
none | stable | unclear |
7/9 |
1/9 |
| Q3 2018 |
2018-01-29 |
F |
none | accelerating | unclear |
4/9 |
5/9 |
| Q2 2018 |
2017-11-01 |
F |
none | accelerating | unclear |
5/9 |
6/9 |
| Q1 2018 |
2017-08-06 |
F |
none | stable | unclear |
5/9 |
6/9 |
| Q4 2017 |
2017-05-09 |
C |
none | stable | unclear |
6/9 |
3/9 |
| Q3 2017 |
2017-01-26 |
D |
none | mixed | contracting |
6/9 |
2/9 |
| Q3 2016 |
2016-11-05 |
F |
none | mixed | contracting |
6/9 |
4/9 |
| Q1 2017 |
2016-07-28 |
F |
none | mixed | contracting |
6/9 |
4/9 |
| Q4 2016 |
2016-05-05 |
D |
none | slowing | contracting |
6/9 |
4/9 |
| Q3 2016 |
2016-01-28 |
F |
none | slowing | unclear |
6/9 |
6/9 |
How to read this page
The grade is a transparent composite of call quality — candor, specificity, low evasion, low stress, whether the call resolves more doubts than it creates, and the guidance action — not a buy or sell signal. The expected move is a volatility estimate from the one signal that survived our out-of-sample tests: how a stock's own reaction and pre-call volatility predict the size (not direction) of its next move. Full detail, including everything that failed: methodology.
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Not investment advice. Artul.ai publishes AI-generated earnings-call quality grades and expected-volatility estimates — never buy or sell recommendations. We tested over 1,600 predictive hypotheses against 165,000 transcripts; the honest result, including what failed, is documented in our
methodology.