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WRLD - Earnings announcements
World Acceptance Corporation (WRLD) earnings announcements - real-time wire coverage filtered to Earnings only.
Recent Earnings for WRLD
- World Acceptance Corporation Announces Fourth Quarter 2026 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its fourth quarter conference call to be held on Thursday, April 30, 2026. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 4Q26 Webcast on April 30 beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 preparati
- World Acceptance Corporation Reports Fiscal 2026 Third Quarter ResultsGREENVILLE, S.C. (January 27, 2026) - World Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its third quarter of fiscal 2026. Third fiscal quarter highlights Following the pandemic, the Company made the strategic decision to tighten underwriting standards dramatically in an effort to manage conservatively through the uncertainty and improve the credit quality of our portfolio. One consequence of this decision was that our outstanding balances decreased each year from fiscal 2023 to fiscal 2025. During fiscal 2025, we made the decision to resume a strategy of targeted growth in the portfolio. As a result, we are pleased to report that for the second quarter in
- World Acceptance Corporation Announces Third Quarter 2026 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its third quarter conference call to be held on Tuesday, January 27, 2026. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 3Q26 Webcast on January 27 beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 preparati
- World Acceptance Corporation Reports Fiscal 2026 Second Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its second quarter of fiscal 2026. Second fiscal quarter highlights During its second fiscal quarter, World Acceptance Corporation (the "Company") grew outstanding loans by $51.2 million from June 30, 2025, compared to $21.1 million in the second quarter of the prior year, which resulted in 1.5% year over year growth in outstanding loans. This represents the first year over year growth since September 2022. While the Company experienced a net loss per diluted share of $0.38 for the quarter due to expenses related to the early redemption of bonds and the return to portfolio growth, we believe that these and o
- World Acceptance Corporation Announces Second Quarter 2026 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its second quarter conference call to be held on Thursday, October 23. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 2Q26 Webcast on October 23 beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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
- World Acceptance Corporation Reports Fiscal 2026 First Quarter ResultsWorld Acceptance Corporation (NASDAQ: WRLD) today reported financial results for its first quarter of fiscal 2026. First fiscal quarter highlights During its first fiscal quarter, World Acceptance Corporation grew outstanding loans by $38.7 million from March 31, 2025, compared to a slight decrease in outstanding loans in the first quarter of the prior year. Total delinquency on a recency basis decreased $15.9 million as compared to June 30, 2024, with loans 61 days or more past due on a recency basis decreasing $3.4 million compared to June 30, 2024, and $5.6 million compared to March 31, 2025. This loan growth and decrease in delinquencies positions us for higher revenue and lower cha
- World Acceptance Corporation Announces First Quarter 2026 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its first quarter conference call to be held on Thursday, July 24. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 1Q26 Webcast on July 24 beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 fili
- World Acceptance Corporation Reports Fiscal 2025 Fourth Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its fourth quarter of fiscal 2025. Fourth fiscal quarter highlights During its fourth fiscal quarter, World Acceptance Corporation achieved improved earnings driven by an increase in our tax preparation revenue. The quarter also benefited from a partial forfeiture of our performance-based restricted shares granted in 2018 that had a $16.35 earnings per share (EPS) performance target (the $16.35 Performance Shares). The forfeiture of such shares resulted in a $2.8 million after tax release of share based compensation expense, resulting in EPS of $16.36 per diluted share on a rolling four-quarter basis. Prior to
- World Acceptance Corporation Announces Fourth Quarter 2025 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its fourth quarter conference call to be held on Tuesday, April 29. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 4Q25 Webcast on April 29 beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 fil
- World Acceptance Corporation Reports Fiscal 2025 Third Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its third quarter of fiscal 2025. Third fiscal quarter highlights During its third fiscal quarter, World Acceptance Corporation achieved improved loan growth while continuing to focus on credit quality. Management believes that continuing to carefully invest in our best customers and closely monitoring performance has strengthened the Company's financial position and positioned us well for the remainder of the fiscal year. Highlights from the third quarter include: Increase in total revenues to $138.6 million, including a 208 basis point yield increase compared to the same quarter in the prior year
- World Acceptance Corporation Announces Third Quarter 2025 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its third quarter conference call to be held on Tuesday, January 28. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 3Q25 Webcast on January 28, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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
- World Acceptance Corporation Reports Fiscal 2025 Second Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its second quarter of fiscal 2025. Second fiscal quarter highlights During its second fiscal quarter, World Acceptance Corporation achieved improved loan growth while continuing to focus on credit quality. Management believes that continuing to carefully invest in our best customers and closely monitoring performance has strengthened the Company's financial position and positioned us well for the remainder of the fiscal year. Highlights from the second quarter include: Net income of $22.1 million Diluted net income per share of $3.99 Recency delinquency on accounts 90+ days past due improved to 3.4% at
- World Acceptance Corporation Announces Second Quarter 2025 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its second quarter conference call to be held on Friday, October 25. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 2Q25 Webcast on October 25, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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
- World Acceptance Corporation Reports Fiscal 2025 First Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its first quarter of fiscal 2025. First fiscal quarter highlights During its first fiscal quarter, World Acceptance Corporation continued to focus on credit quality and a conservative approach to its lending operations. Management believes that continuing to carefully invest in our best customers and closely monitoring performance has strengthened the Company's financial position and positioned us well for the remainder of the fiscal year. Highlights from the first quarter include: Net income of $9.9 million Diluted net income per share of $1.79 Recency delinquency on accounts 90+ days past due im
- World Acceptance Corporation Announces First Quarter 2025 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its first quarter conference call to be held on Friday, July 26. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 1Q25 Webcast on July 26, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 fil
- World Acceptance Corporation Reports Fiscal 2024 Fourth Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its fourth quarter of fiscal 2024 and twelve months ended March 31, 2024. Fourth fiscal quarter highlights During its fourth fiscal quarter, World Acceptance Corporation continued to focus on credit quality and a conservative approach to its lending operations. Management believes that continuing to carefully invest in our best customers and closely monitoring performance has put the Company in a strong position throughout the fiscal year and should continue to well-position the Company for fiscal 2025. Highlights from the fourth quarter include: Net income of $35.1 million Diluted net income per sha
- World Acceptance Corporation Announces Fourth Quarter 2024 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its fourth quarter conference call to be held on Thursday, May 2. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 4Q24 Webcast on May 2, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 fili
- World Acceptance Corporation Reports Fiscal 2024 Third Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its third quarter of fiscal 2024 and nine months ended December 31, 2023. Third fiscal quarter highlights During its third fiscal quarter, World Acceptance Corporation continued to focus on credit quality and a conservative approach to its lending operations. Management believes that continuing to carefully invest in our best customers and closely monitoring performance will put the Company in a strong position throughout the fiscal year, particularly given the uncertain economic environment. Highlights from the third quarter include: Net income of $16.7 million Diluted net income per share of $2.84
- World Acceptance Corporation Announces Third Quarter 2024 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its third quarter conference call to be held on Friday, January 19. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 3Q24 Webcast on January 19, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 a
- World Acceptance Corporation Reports Fiscal 2024 Second Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its second quarter of fiscal 2024 and six months ended September 30, 2023. Second fiscal quarter highlights During its second fiscal quarter, World Acceptance Corporation continued to focus on credit quality and a conservative approach to its lending operations. Management believes that continuing to carefully invest in our best customers and closely monitoring performance will put the Company in a strong position throughout the fiscal year, particularly given the potentially challenging economic environment. Highlights from the second quarter include: Net income of $16.1 million Diluted net income p
- World Acceptance Corporation Announces Second Quarter 2024 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its second quarter conference call to be held on Friday, October 20. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 2Q24 Webcast on October 20, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 an
- World Acceptance Corporation Reports Fiscal 2024 First Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its first quarter of fiscal 2024 and three months ended June 30, 2023. First quarter highlights During its first fiscal quarter, World Acceptance Corporation continued to focus on credit quality and a conservative approach to its lending operations. Management believes that continuing to carefully invest in our best customers and closely monitoring performance will put the Company in a strong position throughout the fiscal year, particularly given the potentially challenging economic environment. Highlights from the first quarter include: Net income of $9.5 million Diluted net income per share of $1.
- World Acceptance Corporation Announces First Quarter 2024 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its first quarter conference call to be held on Friday, July 21. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 1Q24 Webcast on July 21, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. 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 fil
- World Acceptance Corporation Reports Fiscal 2023 Fourth Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its fourth quarter of fiscal 2023 and twelve months ended March 31, 2023. Fourth quarter highlights During its fourth fiscal quarter, World Acceptance Corporation continued to focus on credit quality and to utilize the conservative approach to its lending operations implemented in the previous quarter. Management believes that continuing to carefully invest in our best customers and closely monitoring performance will put the Company in a strong position going into the new fiscal year, particularly given the potentially challenging economic environment. Highlights from the fourth quarter include: Net in
- World Acceptance Corporation Announces Fourth Quarter 2023 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its fourth quarter conference call to be held on Thursday, May 4. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 4Q23 Webcast on May 4, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. About World Acceptance Corporation 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 o
- World Acceptance Corporation Reports Fiscal 2023 Third Quarter ResultsWorld Acceptance Corporation (the "Company") (NASDAQ:WRLD) today reported financial results for its third quarter of fiscal 2023 and nine months ended December 31, 2022. Third quarter highlights During its third fiscal quarter, World Acceptance Corporation slowed its growth in both loan balances and customer base by reducing new borrower marketing spend and tightening its overall underwriting requirements. Management believes that continuing to conservatively manage investment in the Company's highest credit-risk customers, including lower credit-grade new customers, is prudent given current economic uncertainties. Highlights from the third quarter include: Net income of $5.8 million
- World Acceptance Corporation Announces Third Quarter 2023 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its third quarter conference call to be held on Thursday, January 26. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 3Q23 Webcast on January 26, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. About World Acceptance Corporation Founded in 1962, Greenville, S.C.-based World Acceptance Corporation (NASDAQ:WRLD) is one of North America's largest small-loan consumer finance companies. The company offers short and medium-te
- World Acceptance Corporation Reports Fiscal 2023 Second Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its second quarter of fiscal 2023 and six months ended September 30, 2022. Second quarter highlights During its fiscal second quarter, World Acceptance Corporation slowed growth in both loan balances and customer base by tightening underwriting and reducing new borrower marketing spend. Management believes that continuing to conservatively manage investment in our highest credit-risk customers, including lower credit-grade new customers, is prudent given current economic uncertainties. Highlights from the second quarter include: Gross loans outstanding of $1.60 billion, a 14.6% increase from same quarter pr
- World Acceptance Corporation Announces Second Quarter 2023 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its second quarter conference call to be held on Thursday, October 27. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 2Q23 Webcast on October 27, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. About World Acceptance Corporation Founded in 1962, Greenville, S.C.-based World Acceptance Corporation (NASDAQ:WRLD) is one of North America's largest small-loan consumer finance companies. The company offers short and medium-t
- World Acceptance Corporation Reports Fiscal 2023 First Quarter ResultsWorld 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: Uni
- World Acceptance Corporation Announces First Quarter 2023 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its first quarter conference call to be held on Wednesday, July 27. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 1Q23 Webcast on July 27, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. About World Acceptance Corporation Founded in 1962, Greenville, S.C.-based World Acceptance Corporation (NASDAQ:WRLD) is one of North America's largest small-loan consumer finance companies. The company offers short and medium-term in
- World Acceptance Corporation Reports Fiscal 2022 Fourth Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its fourth quarter of fiscal 2022 and twelve months ended March 31, 2022. Fourth quarter highlights During its fourth quarter, the World Acceptance Corporation experienced exceptional growth in both loan balances and customer base relative to prior fourth quarters. 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. Some highlights from the fourth quarter include: Record fourth quarter loan or
- World Acceptance Corporation Announces Fourth Quarter 2022 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its fourth quarter conference call to be held on Thursday, May 5. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 4Q22 Webcast on May 5, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. About World Acceptance Corporation Founded in 1962, Greenville, S.C.-based World Acceptance Corporation (NASDAQ:WRLD) is one of North America's largest small-loan consumer finance companies. The company offers short and medium-term instal
- World Acceptance Corporation Reports Fiscal 2022 Third Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its third quarter of fiscal 2022 and nine months ended December 31, 2021. Third quarter highlights During its third quarter, the Company experienced exceptional growth in both loan balances and the customer base. 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. Some highlights from the third quarter include: Gross loans outstanding of $1.61 billion, a Q3 increase of $211.3 million, or 15.1%
- World Acceptance Corporation Announces Third Quarter 2022 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its third quarter conference call to be held on Tuesday, January 25. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 3Q22 Webcast on January 25, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. About World Acceptance Corporation Founded in 1962, Greenville, S.C.-based World Acceptance Corporation (NASDAQ:WRLD) is one of North America's largest small-loan consumer finance companies. The company offers short and medium-ter
- World Acceptance Corporation Reports Fiscal 2022 Second Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its second quarter of fiscal 2022 and six months ended September 30, 2021. Second quarter highlights: Loans outstanding of $1.39 billion, a 25.7% increase from the same quarter prior year Total revenues of $137.8 million, a 10.8% increase from the same quarter prior year Net income of $12.4 million, a $1.0 million decrease from $13.4 million in same quarter prior year Net income per diluted share of $1.94, a $0.02 decrease from $1.96 per share in same quarter prior year Significant decrease in net charge-off rate from same quarter prior year Portfolio results Gross loans outstanding increased to $1
- World Acceptance Corporation Announces Second Quarter 2022 Conference Call on the InternetWorld Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its second quarter conference call to be held on Tuesday, October 26. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 2Q22 Webcast on October 26, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. About World Acceptance Corporation Founded in 1962, Greenville, S.C.-based World Acceptance Corporation (NASDAQ:WRLD) is one of North America's largest small-loan consumer finance companies. The company offers short and medium-ter
- World Acceptance Corporation Reports Fiscal 2022 First Quarter ResultsWorld Acceptance Corporation (NASDAQ:WRLD) today reported financial results for its first fiscal quarter 2022 and three months ended June 30, 2021. First quarter highlights: Loans outstanding of $1.22 billion, a 14.5% increase from the same quarter prior year Total revenues of $129.7 million, a 4.7% increase from the same quarter prior year Net income of $15.8 million, a $0.3 million increase from $15.5 million in same quarter prior year Net income per diluted share of $2.44, a $0.20 increase from $2.24 per share in same quarter prior year Significant decrease in net charge-off rate and delinquency from same quarter prior year Cash flow from operating activities of $197.2 milli