World Acceptance Corporation WRLD R2K

Financial Services · Credit Services · United States

https://www.loansbyworld.com

World Acceptance Corporation engages in consumer finance business in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides income tax return preparation and electronic filing services; and automobile club memberships. The company serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.

Market & Price

Market Cap

$742.90M

Current Price

$165.09

High / Low (52W)

$184.43 / $115.57

Beta

1.17

Valuation

Stock P/E

23.69

Industry PE

12.01

Forward P/E

11.69

PEG Ratio

0.70

Book Value

$73.90

Price to Book

2.23

P/S

1.27

EV/EBITDA

13.41

Dividend Yield

Profitability & Returns

ROCE

ROE

8.83%

ROA

5.78%

Profit Margin

5.98%

Op Margin

33.37%

EPS (Latest Qtr)

$7.70

EPS (TTM)

$6.97

Balance Sheet & Liquidity

Debt/Equity

1.87

Quick Ratio

22.94

Current Ratio

23.57

Debt

$661.19M

Total Assets

$1.01B

Current Assets

Working Capital

Ownership

Promoter Holding

19.48%

Chg in Prom Hold

FII / Inst Holding

90.61%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$1.40B

Total Revenue (TTM)

$585.74M

EBITDA

$104.33M

Free Cash Flow

Operating Cash Flow

Shares Outstanding

4.50M

Gross Margin

67.80%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

-1.82%

Profit 5Y

18.51%

Revenue (YoY)

7.50%

Earnings (YoY)

-5.30%

PROS

Profit CAGR of 18.5% over 5 years.

CONS

Revenue declined at -1.8% CAGR over 5 years.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	WRLD World Acceptance Corporation R2K	165.09	23.69	$742.90M	-	-	8.83%	-1.82%	18.51%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	127.08M	129.27M	130.81M	144.57M	116.64M	118.93M	125.70M	141.40M	122.79M	127.12M	137.64M	157.00M	138.44M	141.57M	147.00M	163.02M	123.87M	124.44M	130.95M	146.28M	129.66M	137.83M	149.05M	168.66M	157.92M	151.26M	146.53M	160.84M	139.32M	136.88M	137.75M	159.26M	129.53M	131.41M	127.34M	154.08M	122.82M	120.12M	128.47M	-
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.29M	11.19M	9.63M	14.34M	12.79M	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.01M	55.12M	1.95M	-1.69M	-1.01M	-
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.62M	10.84M	601.75K	260.15K	-102.05K	-
Net Income	16.62M	15.49M	9.64M	31.85M	13.07M	9.80M	1.68M	29.14M	-21.50M	14.54M	6.26M	37.94M	8.61M	2.51M	-6.27M	23.30M	15.51M	13.40M	14.49M	44.88M	15.77M	12.44M	7.33M	18.38M	-8.57M	-637.00K	5.81M	24.63M	9.54M	16.08M	16.67M	35.06M	9.95M	22.13M	13.39M	44.28M	1.34M	-1.95M	-911.33K	-
Diluted EPS	1.89	1.76	1.10	3.64	1.48	1.10	0.19	3.18	-2.32	1.56	0.67	4.22	0.97	0.31	-0.87	3.18	2.24	1.96	2.25	6.96	2.44	1.94	1.14	2.97	-1.49	-0.11	0.99	4.20	1.62	2.71	2.84	6.09	1.79	3.99	-	8.13	0.25	-0.38	-0.19	7.70

Profit & Loss (Annual)

Figures in USD.

Metric	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	440.64M	491.45M	540.16M	563.64M	599.26M	610.21M	557.48M	490.82M	502.67M	544.54M	590.03M	527.99M	551.76M	566.08M	524.98M	522.13M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	33.42M	50.46M	48.23M	42.71M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	65.58M	27.15M	99.41M	111.99M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	11.66M	5.91M	22.06M	22.24M
Net Income	73.66M	91.25M	100.69M	104.09M	106.61M	110.83M	87.40M	73.60M	53.69M	37.24M	28.16M	88.28M	53.92M	21.23M	77.35M	89.74M
Diluted EPS	4.45	5.63	6.59	8.00	9.60	11.90	10.05	8.38	5.99	4.05	3.54	13.23	8.47	3.41	13.02	16.30

Compounded Sales Growth

5 Years:	-1.82%
1 Year:	7.50%

Compounded Profit Growth

5 Years:	18.51%
1 Year:	-5.30%

Stock Price Performance

1 Year:	+6.87%
6 Months:	+7.54%
3 Months:	+22.40%
1 Month:	+7.73%

Balance Sheet (Annual)

Figures in USD.

Metric	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Total Assets	-	-	666.40M	735.00M	809.32M	850.03M	866.13M	806.22M	800.59M	840.99M	854.99M	1.03B	954.27M	1.22B	1.12B	1.06B	1.01B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	6.26M	5.45M	8.03M	10.77M	11.63M	38.34M	38.34M	8.10M	11.58M	12.47M	9.34M	11.62M	15.75M	19.24M	16.51M	11.84M	9.73M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	3.09M	0
Total Liabilities	-	-	223.82M	316.13M	442.93M	542.67M	550.56M	414.32M	339.53M	299.88M	302.87M	618.12M	549.34M	845.27M	732.09M	631.92M	568.15M
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	279.25M	-	505.50M	501.15M	374.69M	295.14M	244.90M	251.94M	451.10M	405.01M	692.37M	595.26M	496.03M	446.87M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	779.85M	679.00M	577.95M	525.56M
Total Equity	296.33M	382.95M	442.58M	418.88M	366.40M	307.36M	315.57M	391.90M	461.06M	541.11M	552.12M	411.96M	404.93M	373.02M	385.23M	424.43M	439.48M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	6.35M	6.23M	5.94M	5.37M

Cash Flows (Annual)

Figures in USD.

Metric	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Operating Cash Flow	183.61M	199.84M	219.40M	232.04M	245.96M	241.89M	206.07M	219.36M	218.03M	244.66M	280.98M	226.95M	272.45M	291.55M	265.78M	254.16M
Investing Cash Flow	-161.99M	-171.39M	-178.33M	-181.54M	-165.59M	-108.21M	-101.89M	-131.61M	-169.81M	-206.97M	-279.09M	-82.00M	-451.89M	-180.58M	-135.14M	-152.75M
Financing Cash Flow	-22.62M	-25.97M	-38.14M	-50.04M	-71.83M	-112.48M	-128.64M	-84.15M	-31.46M	-63.12M	394.49K	-140.83M	182.93M	-113.70M	-135.32M	-103.52M
Capital Expenditure	-5.24M	-6.39M	-6.86M	-6.91M	-7.43M	-8.59M	-8.65M	-6.81M	-9.17M	-9.81M	-11.28M	-11.68M	-6.07M	-5.83M	-5.93M	-3.68M
Free Cash Flow	178.36M	193.44M	212.55M	225.13M	238.53M	233.30M	197.42M	212.55M	208.85M	234.86M	269.70M	215.27M	266.38M	285.73M	259.85M	250.48M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	3.49M	-2.73M	-4.67M	-2.11M
Share Buybacks	1.43M	53.34M	139.80M	183.05M	190.54M	115.32M	0	5.00M	4.61M	74.52M	197.40M	102.45M	111.14M	14.31M	36.20M	54.20M

Ratios (Annual)

Figures in %.

Metric	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	16.7%	18.6%	18.6%	18.5%	17.8%	18.2%	15.7%	15.0%	10.7%	6.8%	4.8%	16.7%	9.8%	3.8%	14.7%	17.2%
ROE %	19.2%	20.6%	24.0%	28.4%	34.7%	35.1%	22.3%	16.0%	9.9%	6.7%	6.8%	21.8%	14.5%	5.5%	18.2%	20.4%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

19.48%

Institutions

90.61%

Public Float

112.52%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Prescott General Partners LLC	30.64%	1.51M	$249.69M
2	Blackrock Inc.	9.16%	452.41K	$74.69M
3	Dimensional Fund Advisors LP	4.55%	224.60K	$37.08M
4	AQR Capital Management, LLC	3.14%	154.97K	$25.58M
5	UBS Group AG	2.70%	133.47K	$22.03M
6	Vanguard Capital Management LLC	2.40%	118.36K	$19.54M
7	State Street Corporation	2.40%	118.25K	$19.52M
8	Vanguard Portfolio Management LLC	2.09%	102.94K	$16.99M
9	Millennium Management Llc	1.88%	92.69K	$15.30M
10	American Century Companies Inc	1.81%	89.11K	$14.71M

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WRLD · Financial Services