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World Acceptance Corporation WRLD R2KR3KFINANCIAL

Financial Services · Credit Services · United States
https://www.loansbyworld.com
Company Profile ↓
$167.04
-3.04% 1Y
Mkt Cap$778.48M
P/E21.39
P/B2.27
52W High$223.83
52W Low$115.57
Book Value$80.15
EPS (TTM)$7.81

Company Overview

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 to borrowers. 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.

Why Investors Should Care

Healthy Margins

Operating margin of 15.3% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of $535.72M (+2.7% YoY); net profit $34.59M.
  • Trailing 12 Months Year-on-year growth — revenue +4.8%, earnings +343.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 1.3%, profit CAGR -4.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:1.31%
1 Year:4.80%

Compounded Profit Growth

5 Years:-4.92%
1 Year:343.30%

Stock Price Performance

1 Year:-3.04%
6 Months:+10.39%
3 Months:-14.70%
1 Month:-2.17%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 48% of range
$115.57 $223.83
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)37.04 · Neutral
Price Performance
1M-2.17%
3M-14.70%
6M+10.39%
1Y-3.04%
Valuation vs Sector

P/E of 21.39 is above the sector median of 13.55 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -4.9% CAGR over 5 years.
  • Trading 25.4% below its 52-week high.

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

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Valuation

Stock P/E
21.39
Industry PE
13.55
Forward P/E
11.03
PEG Ratio
0.70
Book Value
$80.15
Price to Book
2.27
P/S
1.44
EV/EBITDA
12.98
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
1.31%
Profit 5Y
-4.92%
Revenue (YoY)
4.80%
Earnings (YoY)
343.30%

Profitability & Returns

ROCE
-
ROE
9.90%
ROA
6.17%
Profit Margin
6.61%
Op Margin
15.32%
Gross Margin
69.24%
EPS (Latest Qtr)
$1.33
EPS (TTM)
$7.81

Balance Sheet & Liquidity

Debt/Equity
1.79
Quick Ratio
10.18
Current Ratio
10.38
Debt
$648.07M
Total Assets
$1.08B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
18.11%
Chg in Prom Hold
0.04%
FII / Inst Holding
92.18%
Chg in FII Hold
-0.22%

Financial Snapshot

Enterprise Value
$778.48M
Total Revenue (TTM)
$591.22M
EBITDA
$112.58M
Free Cash Flow
$60.71M
Operating Cash Flow
$265.58M
Shares Outstanding
4.66M
Gross Margin
69.24%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 WRLD World Acceptance Corporation R2KR3KFINANCIAL 167.04 21.39 $778.48M 0.00% - 9.90% 1.31% -4.92%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 129.27M130.81M144.57M116.64M118.93M125.70M141.40M122.79M127.12M137.64M157.00M138.44M141.57M147.00M163.02M123.87M124.44M130.95M146.28M129.66M137.83M149.05M168.66M157.92M151.26M146.53M160.84M139.32M136.88M137.75M159.26M129.80M131.73M138.96M154.08M122.82M120.12M128.47M164.31M139.21M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------11.19M9.63M14.34M12.79M12.68M-
Pretax Income ----------------------------------55.12M1.95M-1.69M-1.01M46.00M-
Tax Provision ----------------------------------10.84M601.75K260.15K-102.05K9.90M-
Net Income 15.49M9.64M31.85M13.07M9.80M1.68M29.14M-21.50M14.54M6.26M37.94M8.61M2.51M-6.27M23.30M15.51M13.40M14.49M44.88M15.77M12.44M7.33M18.38M-8.57M-637.00K5.81M24.63M9.54M16.08M16.67M35.06M10.15M22.37M13.63M44.28M1.34M-1.95M-911.33K36.10M6.11M
Diluted EPS 1.761.103.641.481.100.193.18-2.321.560.674.220.970.31-0.873.182.241.962.256.962.441.941.142.97-1.49-0.110.994.201.622.712.846.091.824.032.498.130.25-0.38-0.197.701.33

Profit & Loss (Annual)

Figures in USD.

Metric Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 440.64M491.45M540.16M563.64M599.26M610.21M557.48M490.82M502.67M544.54M590.03M527.99M-566.08M524.58M521.46M535.72M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------50.46M48.23M42.71M49.44M
Pretax Income -------------27.15M99.00M111.31M45.24M
Tax Provision -------------5.91M21.96M22.07M10.66M
Net Income 73.66M91.25M100.69M104.09M106.61M110.83M87.40M73.60M53.69M37.24M28.16M88.28M-21.23M77.05M89.24M34.59M
Diluted EPS 4.455.636.598.009.6011.9010.058.385.994.053.5413.23-3.4113.0216.306.97

Balance Sheet (Annual)

Figures in USD.

Metric Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets --666.40M735.00M809.32M850.03M866.13M806.22M800.59M840.99M854.99M1.03B954.27M1.22B1.12B1.06B1.01B1.05B
Current Assets ------------------
Cash & Equivalents 6.26M5.45M8.03M10.77M11.63M38.34M38.34M8.10M11.58M12.47M9.34M11.62M15.75M19.24M16.51M11.84M4.71M6.07M
Inventory ------------------
Receivables --------------03.09M02.42M
Total Liabilities --223.82M316.13M442.93M542.67M550.56M414.32M339.53M299.88M302.87M618.12M549.34M845.27M732.09M631.92M571.50M703.12M
Current Liabilities ------------------
Long Term Debt ---279.25M-505.50M501.15M374.69M295.14M244.90M251.94M451.10M405.01M696.97M595.26M496.03M446.87M587.23M
Total Debt --------------679.00M577.95M525.56M661.19M
Total Equity 296.33M382.95M442.58M418.88M366.40M307.36M315.57M391.90M461.06M541.11M552.12M411.96M404.93M373.02M385.23M424.43M436.99M351.01M
Shares Outstanding --------------6.23M5.94M5.37M4.66M

Cash Flows (Annual)

Figures in USD.

Metric Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 183.61M199.84M219.40M232.04M245.96M241.89M206.07M219.36M218.03M244.66M280.98M226.95M-291.55M265.78M254.16M259.36M
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--180.58M-135.14M-152.75M-232.88M
Financing Cash Flow -22.62M-25.97M-38.14M-50.04M-71.83M-112.48M-128.64M-84.15M-31.46M-63.12M394.49K-140.83M--113.70M-135.32M-103.52M-6.83M
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--5.83M-5.93M-3.68M-3.88M
Free Cash Flow 178.36M193.44M212.55M225.13M238.53M233.30M197.42M212.55M208.85M234.86M269.70M215.27M-285.73M259.85M250.48M255.48M
Net Change in Cash --------------2.73M-4.67M-2.11M19.64M
Share Buybacks 1.43M53.34M139.80M183.05M190.54M115.32M05.00M4.61M74.52M197.40M102.45M111.14M14.31M36.20M54.20M132.42M

Ratios (Annual)

Figures in %.

Metric Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
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%-3.8%14.7%17.1%6.5%
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%-5.5%18.2%20.4%9.9%
ROCE % -----------------

Shareholding Pattern

Insiders
18.11%
Institutions
92.18%
Public Float
112.56%

Top Institutional Holders

#Holder% HeldSharesValue
1 Prescott General Partners LLC 32.45% 1.51M $265.40M
2 Blackrock Inc. 9.60% 447.23K $78.48M
3 Dimensional Fund Advisors LP 4.78% 222.88K $39.11M
4 AQR Capital Management, LLC 4.32% 201.26K $35.32M
5 Jacobs Levy Equity Management, Inc. 2.43% 113.09K $19.84M
6 Vanguard Capital Management LLC 2.39% 111.61K $19.59M
7 State Street Corporation 2.28% 106.26K $18.65M
8 JPMORGAN CHASE & CO 2.09% 97.27K $17.07M
9 BNP Paribas Financial Markets 2.06% 95.85K $16.82M
10 American Century Companies Inc 1.98% 92.36K $16.21M

Analyst View

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Latest News

Recent headlines for WRLD

Google News Fri, 23 Oct 2026

World Acceptance (WRLD) Q2 2027 Earnings Call Transcript - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxQTGQyOHVwZjlQZ2NXOVBrSEw1emEtNWllYjdoSlk5QkhGcjJad3hmNWx5dEtEbGltcERDcDFTVGJTVDhyUkNSUm5WcElJYm9TcDU4a1ZudF9Fam9zZmxjTlVoVVRhUVBkbWx5X3BDcVFBdkxWSm1rLXFKN0JQS1JGVkxfWWtCRENjUm9kbX…

Google News Fri, 23 Oct 2026

Customer base fell 5.4%. World Acceptance expects to carefully increase lending to new customers. - Stock Titan

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Google News Fri, 23 Oct 2026

World Acceptance Corporation Estimates – NASDAQ:WRLD - TradingView

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Google News Fri, 23 Oct 2026

Is World Acceptance Corp (WRLD) Undervalued After Q2 Earnings Be - GuruFocus

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Google News Fri, 23 Oct 2026

World Acceptance Corp (WRLD) (Q2 2027) Earnings Call Highlights: Credit Quality Improves as ... - Yahoo Finance

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Google News Fri, 23 Oct 2026

World Acceptance (NASDAQ:WRLD) Shares Gap Up - Still a Buy? - MarketBeat

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WRLD — Frequently Asked Questions

What is the current share price of World Acceptance Corporation (WRLD)?

As of 2026-10-23 16:27 PDT, World Acceptance Corporation (WRLD) trades at $167.04 on NasdaqGS. Its 52-week range is $115.57 to $223.83.

What is the market capitalisation of WRLD?

World Acceptance Corporation (WRLD) has a market capitalisation of $778.48M on NasdaqGS.

What is the P/E ratio of WRLD?

WRLD trades at a trailing price-to-earnings (P/E) ratio of 21.39. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 2.27.

What is the return on equity (ROE) of WRLD?

WRLD has a return on equity (ROE) of 9.90%.

Is WRLD a good stock to buy?

This page provides a data-driven analysis of World Acceptance Corporation (WRLD), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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