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World Acceptance Corporation WRLD R2K

Financial Services · Credit Services · United States
https://www.loansbyworld.com
Company Profile ↓
$195.87
+14.93% 1Y
Mkt Cap$908.90M
P/E28.47
P/B2.76
52W High$223.83
52W Low$115.57
Book Value$73.90
EPS (TTM)$6.88

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

Consistent Profit Growth

Net profit has compounded at 17.7% per year over the last five years.

Healthy Margins

Operating margin of 33.0% 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 +7.3%, earnings -5.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR -1.8%, profit CAGR 17.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-1.82%
1 Year:7.30%

Compounded Profit Growth

5 Years:17.66%
1 Year:-5.40%

Stock Price Performance

1 Year:+14.93%
6 Months:+31.15%
3 Months:+38.96%
1 Month:+10.68%

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

Technical Snapshot Bullish
52-Week Range 74% of range
$115.57 $223.83
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)53.98 · Neutral
Price Performance
1M+10.68%
3M+38.96%
6M+31.15%
1Y+14.93%
Valuation vs Sector

P/E of 28.47 is above the sector median of 13.30 — 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

  • Profit CAGR of 17.7% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -1.8% CAGR over 5 years.

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

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Valuation

Stock P/E
28.47
Industry PE
13.30
Forward P/E
13.87
PEG Ratio
0.70
Book Value
$73.90
Price to Book
2.76
P/S
1.62
EV/EBITDA
15.34
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-1.82%
Profit 5Y
17.66%
Revenue (YoY)
7.30%
Earnings (YoY)
-5.40%

Profitability & Returns

ROCE
-
ROE
8.78%
ROA
5.72%
Profit Margin
5.91%
Op Margin
33.01%
Gross Margin
67.75%
EPS (Latest Qtr)
$7.70
EPS (TTM)
$6.88

Balance Sheet & Liquidity

Debt/Equity
1.88
Quick Ratio
14.22
Current Ratio
14.61
Debt
$661.19M
Total Assets
$1.05B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
20.66%
Chg in Prom Hold
-0.04%
FII / Inst Holding
95.32%
Chg in FII Hold
-0.14%

Financial Snapshot

Enterprise Value
$908.90M
Total Revenue (TTM)
$584.79M
EBITDA
$103.30M
Free Cash Flow
$14.78M
Operating Cash Flow
$259.36M
Shares Outstanding
4.64M
Gross Margin
67.75%
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 R2K 195.87 28.47 $908.90M 0.00% - 8.78% -1.82% 17.66%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 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 2026
Revenue 127.08M129.27M130.81M144.57M116.64M118.93M125.70M141.40M122.79M127.12M137.64M157.00M138.44M141.57M147.00M163.02M123.87M124.44M130.95M146.28M129.66M137.83M149.05M168.66M157.92M151.26M146.53M160.84M139.32M136.88M137.75M159.26M129.80M131.73M138.96M154.08M122.82M120.12M128.47M164.31M
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 16.62M15.49M9.64M31.85M13.07M9.80M1.68M29.14M-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-911.33K36.10M
Diluted EPS 1.891.761.103.641.481.100.193.18-2.321.560.674.220.970.31-0.873.182.241.962.256.962.441.941.142.97-1.49-0.110.994.201.622.712.846.091.824.032.498.130.25-0.38-0.197.70

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
20.66%
Institutions
95.32%
Public Float
120.14%

Top Institutional Holders

#Holder% HeldSharesValue
1 Prescott General Partners LLC 32.59% 1.51M $308.81M
2 Blackrock Inc. 9.75% 452.41K $92.38M
3 Dimensional Fund Advisors LP 4.84% 224.60K $45.86M
4 AQR Capital Management, LLC 3.34% 154.97K $31.64M
5 UBS Group AG 2.88% 133.47K $27.25M
6 Vanguard Capital Management LLC 2.55% 118.36K $24.17M
7 State Street Corporation 2.55% 118.25K $24.15M
8 Vanguard Portfolio Management LLC 2.22% 102.94K $21.02M
9 Millennium Management Llc 2.00% 92.69K $18.93M
10 American Century Companies Inc 1.92% 89.11K $18.20M

Analyst View

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Latest News

Recent headlines for WRLD

Google News ue, 14 Jul 2026

World Acceptance (NASDAQ:WRLD) Stock Passes Above 200 Day Moving Average - Here's What Happened - MarketBeat

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Google News Fri, 10 Jul 2026

Liquidity Mapping Around (WRLD) Price Events - Stock Traders Daily

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Google News Mon, 29 Jun 2026

Insider Sale: Director at $WRLD Sells 833 Shares - Quiver Quantitative

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Google News Wed, 01 Jul 2026

World Acceptance (WRLD) director exercises options and sells 2,031 shares - Stock Titan

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Google News hu, 30 Apr 2026

World Acceptance Corporation (WRLD): Deep Value Consumer Lending Business - The Acquirer's Multiple

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Google News Mon, 29 Jun 2026

Insider Sale: Director at $WRLD Sells 833 Shares - Moomoo

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WRLD — Frequently Asked Questions

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

As of 2026-07-14 21:23 PDT, World Acceptance Corporation (WRLD) trades at $195.87 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 $908.90M on NasdaqGS.

What is the P/E ratio of WRLD?

WRLD trades at a trailing price-to-earnings (P/E) ratio of 28.47. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 2.76.

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

WRLD has a return on equity (ROE) of 8.78%.

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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