| Class | Size ($MM) | % of Pool | Sub % | CPN / Spread | WAL | Legal Final | S&P | Fitch |
|---|---|---|---|---|---|---|---|---|
| Class A-1 | 266.5 | 20.3% | 73.9% | +14 bps | 0.24 | 2027-02-01 | A-1+ | F1+ |
| Class A-2A | 291.0 | 22.2% | 51.8% | +31 bps | 1.10 | 2029-04-01 | AAA | AAA |
| Class A-2B | 125.0 | 9.5% | 42.2% | +31 bps SOFR | 1.10 | 2029-04-01 | AAA | AAA |
| Class A-3 | 416.0 | 31.7% | 10.5% | +36 bps | 2.64 | 2031-05-01 | AAA | AAA |
| Class A-4 | 82.7 | 6.3% | 4.2% | +39 bps | 3.89 | 2032-03-01 | AAA | AAA |
| Class B | 37.1 | 2.8% | 1.4% | +55 bps | 3.91 | 2032-03-01 | AA | AA |
| Class C | 18.6 | 1.4% | 0.0% | +75 bps | 3.91 | 2032-12-01 | A | A |
| Sponsor | World Omni Financial Corp |
|---|---|
| Servicer | World Omni Financial Corp. |
| Depositor / Transferor | World Omni Financial Corp |
| Indenture Trustee | — |
| Owner Trustee | — |
| Asset Rep. Reviewer | — |
| Underwriters | BofA Securities, TD Securities, Barclays Capital |
| WOART 2026-A | WOART 2025-D | WOART 2025-C | WOART 2025-B | WOART 2025-A | WOART 2024-C | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-02-18 | 2025-10-15 | 2025-08-13 | 2025-05-14 | 2025-01-29 | 2024-08-20 |
| Pool balance | $1,312.6MM | $982.7MM | $1,302.9MM | $1,281.8MM | $1,305.7MM | $1,312.6MM |
| WA Credit Score | 758+2 | 757 | 758 | 756 | 756 | 756 |
| WA APR | 5.87%−0.62pp | 6.15% | 6.30% | 6.49% | 6.61% | 6.67% |
| WA original term mo | 68.4+0.2 | 68.6 mo | 68.3 mo | 67.9 mo | 68.2 mo | 68.1 mo |
| % new vehicles | 98.0% | 97.6% | 97.3% | 96.4% | 95.6% | 96.2% |
| Reserve % | 0.24% | 0.23% | 0.23% | 0.24% | 0.23% | 0.23% |
| Geo top-3 | FL 44.5% GA 18.6% NC 16.2% | FL 46.0% GA 18.7% NC 15.7% | FL 47.4% GA 18.6% NC 14.9% | FL 47.7% GA 18.7% NC 15.4% | FL 49.1% GA 18.2% NC 17.8% | — |
| Structure (at issuance) | ||||||
| AAA spread | +31 bps−3bps | +31 bps | +35 bps | +47 bps | +33 bps | — |
| AAA % of pool | 69.7%−0.4pp | 69.9% | 70.4% | 70.1% | 71.1% | 35.4% |
| Subordination below AAA | 4.2%+0.0pp | 4.2% | 4.2% | 4.3% | 4.2% | 4.2% |
| OC (initial) | — | — | — | — | — | — |
| OC target | 0.90% | 0.90% | 0.90% | 0.90% | 0.90% | 0.90% |
| OC floor | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% |
| YSOC | 5.47% | 6.55% | 6.48% | 5.38% | 4.86% | 7.77% |
| Tranches | 7 | 7 | 7 | 7 | 7 | 7 |
OC shown net of any yield-supplement overcollateralization (YSOC); YSOC is a yield mechanism for subvented low-APR pools and is reported separately. OC target is a % of the pool balance — current (amortizing) for greater-of/sum-of structures, original (cut-off) for flat structures; OC floor is a % of the original pool balance.
| WOART 2026-A | HART 2026-A | HAROT 2026-1 | TAOT 2026-A | GMCAR 2026-1 | NAROT 2025-B | |
|---|---|---|---|---|---|---|
| Collateral (pool at cut-off) | ||||||
| Closing date | 2026-02-18 | 2026-02-18 | 2026-02-18 | 2026-01-21 | 2026-01-14 | 2025-11-25 |
| Pool balance | $1,312.6MM | $2,392.4MM | $2,483.1MM | $1,995.4MM | $1,317.6MM | $1,381.3MM |
| WA Credit Score | 758−17 | 775 | 770 | 771 | 779 | 795 |
| WA APR | 5.87%+0.49pp | 5.38% | 5.00% | 5.68% | 5.97% | 4.61% |
| WA original term mo | 68.4+1.9 | 67.2 mo | 61.6 mo | 65.9 mo | 70.0 mo | — |
| % new vehicles | 98.0% | 97.5% | 86.5% | 88.0% | 80.8% | 10.0% |
| Reserve % | 0.24% | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
| Geo top-3 | FL 44.5% GA 18.6% NC 16.2% | TX 13.2% FL 10.1% CA 9.1% | CA 16.0% TX 9.5% NY 6.7% | CA 23.8% TX 16.7% IL 3.8% | TX 14.6% FL 7.1% CA 6.3% | TX 17.5% FL 7.4% CA 6.5% |
| Structure (at issuance) | ||||||
| AAA spread | +31 bps−3bps | +34 bps | +34 bps | +33 bps | +32 bps | +38 bps |
| AAA % of pool | 69.7%−3.5pp | 69.0% | 73.1% | 73.6% | 75.6% | 68.8% |
| Subordination below AAA | 4.2%+1.9pp | 4.5% | 0.0% | 2.4% | 3.0% | 1.5% |
| OC (initial) | — | 3.00% | — | 0.85% | 2.75% | 2.35% |
| OC target | 0.90% | 3.00% | — | 0.85% | 2.75% | 2.35% |
| OC floor | 0.50% | 3.00% | — | 0.85% | 2.75% | 2.35% |
| YSOC | 5.47% | 5.70% | 4.09% | 4.78% | 2.44% | 7.33% |
| Tranches | 7 | 7 | 5 | 6 | 7 | 6 |
OC shown net of any yield-supplement overcollateralization (YSOC); YSOC is a yield mechanism for subvented low-APR pools and is reported separately. OC target is a % of the pool balance — current (amortizing) for greater-of/sum-of structures, original (cut-off) for flat structures; OC floor is a % of the original pool balance.
Anchor expectations in empirical base rates from the sponsor's prior series and FICO-tier peer set.
Left: per-series cumulative NET loss at matched seasoning 10-D (10-D servicer distribution reports). IQR band uses a fixed cohort of all peer series with ≥18 months of data (196 series across 9 issuers). Right: portfolio-level 60+ DQ rate aggregated across all active deals per issuer (calendar time, last 3 years), from ABS-EE loan-level data ABS-EE.
World Omni Financial Corp — ticker WOART.
Peer tier: prime.
Open in Explorer ↗ for
FICO sub-band and new/used stratification.