WRLD
World Acceptance Corporation
Price Chart
Latest Quote
$123.20
Current Price| Previous Close | $121.25 |
| Open | $123.36 |
| Day High | $124.59 |
| Day Low | $122.18 |
| Volume | 39,351 |
Stock Information
| Shares Outstanding | 4.80M |
| Total Debt | $650.38M |
| Cash Equivalents | $9.45M |
| Revenue | $573.38M |
| Net Income | $42.77M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $620.69M |
| P/E Ratio | 15.90 |
| EPS (TTM) | $7.75 |
| Exchange | NMS |
đ Custom Metrics & Score
Score: 11/42| Debt to Equity | 1.20 |
| Debt to Earnings | 4.69 |
| Avg Revenue Growth | -1.34% |
| Profit Margin | 17.19% |
| Return on Equity | 20.42% |
| Avg FCF Growth | -1.49% |
| FCF Yield | 40.35% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $123.20 | 46,800 |
| 2026-01-30 | $121.25 | 72,800 |
| 2026-01-29 | $119.53 | 94,900 |
| 2026-01-28 | $115.57 | 126,000 |
| 2026-01-27 | $117.51 | 184,400 |
| 2026-01-26 | $142.58 | 115,500 |
| 2026-01-23 | $139.08 | 91,900 |
| 2026-01-22 | $142.46 | 51,000 |
| 2026-01-21 | $138.79 | 83,300 |
| 2026-01-20 | $131.46 | 94,200 |
| 2026-01-16 | $138.95 | 106,600 |
| 2026-01-15 | $139.55 | 165,000 |
| 2026-01-14 | $142.56 | 116,100 |
| 2026-01-13 | $142.76 | 77,700 |
| 2026-01-12 | $138.82 | 121,100 |
| 2026-01-09 | $149.35 | 65,200 |
| 2026-01-08 | $150.32 | 93,400 |
| 2026-01-07 | $148.84 | 82,500 |
| 2026-01-06 | $150.80 | 88,600 |
| 2026-01-05 | $146.72 | 78,300 |
About World Acceptance Corporation
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.
đ° Latest News
World Acceptance Corp (WRLD) Q3 2026 Earnings Call Highlights: Strong Customer Growth and ...
GuruFocus.com âĸ 2026-01-27T21:04:53Z
World Acceptance Q3 Earnings Call Highlights
MarketBeat âĸ 2026-01-27T16:39:06Z
World Acceptance (WRLD) Earnings Call Transcript
Motley Fool âĸ 2026-01-27T15:50:08Z
World Acceptance (WRLD) Reports Q3 Loss, Beats Revenue Estimates
Zacks âĸ 2026-01-27T13:40:02Z
World Acceptance: Fiscal Q3 Earnings Snapshot
Associated Press Finance âĸ 2026-01-27T12:37:20ZWorld Acceptance (NASDAQ:WRLD) sheds 7.9% this week, as yearly returns fall more in line with earnings growth
Simply Wall St. âĸ 2026-01-13T10:10:55Z
World Acceptance (WRLD) Margin Expansion Reinforces Bullish Narratives Despite Slower Revenue Growth
Simply Wall St. âĸ 2025-10-24T00:26:09Z
World Acceptance Corp (WRLD) Q2 2026 Earnings Call Highlights: Record New Customer Growth Amid ...
GuruFocus.com âĸ 2025-10-23T21:02:53Z
World Acceptance (WRLD) Reports Q2 Loss, Beats Revenue Estimates
Zacks âĸ 2025-10-23T12:40:02Z
World Acceptance: Fiscal Q2 Earnings Snapshot
Associated Press Finance âĸ 2025-10-23T11:35:27ZIncome Statement (Annual)
Revenue
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Total Revenue | $522,131,885 | $524,981,115 | $566,082,770 | $551,761,965 |
| Operating Revenue | $522,131,885 | $524,981,115 | $566,082,770 | $551,761,965 |
Expenses
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Interest Expense | $42,709,580 | $48,232,287 | $50,462,594 | $33,424,788 |
| Selling And Marketing Expense | $10,224,708 | $9,932,122 | $6,096,083 | $18,298,212 |
| General And Administrative Expense | $177,756,718 | $204,671,991 | $216,804,613 | $224,582,177 |
| Other Non Interest Expense | - | - | - | - |
Income & Earnings
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Net Interest Income | $422,380,937 | $420,295,574 | $457,873,087 | $452,241,791 |
| Interest Income | $465,090,517 | $468,527,861 | $508,335,681 | $485,666,579 |
| Normalized Income | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Net Income From Continuing And Discontinued Operation | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Average Dilution Earnings | $0 | $0 | $0 | $0 |
| Net Income Common Stockholders | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Net Income | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Net Income Including Noncontrolling Interests | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Net Income Continuous Operations | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Pretax Income | $111,985,377 | $99,407,736 | $27,145,773 | $65,579,319 |
| Depreciation Amortization Depletion Income Statement | $3,809,753 | $4,219,846 | $4,466,535 | $5,010,275 |
| Depreciation And Amortization In Income Statement | $3,809,753 | $4,219,846 | $4,466,535 | $5,010,275 |
| Amortization Of Intangibles Income Statement | $3,809,753 | $4,219,846 | $4,466,535 | $5,010,275 |
| Net Income Discontinuous Operations | - | - | - | - |
Per Share Metrics
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Diluted EPS | $16.30 | $13.02 | $3.41 | $8.47 |
| Basic EPS | $16.70 | $13.02 | $3.41 | $8.49 |
Other
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $10,134,789 | $10,888,403 | $10,910,353 | $11,671,074 |
| Diluted Average Shares | $5,507,000 | $5,938,665 | $6,231,082 | $6,364,000 |
| Basic Average Shares | $5,374,012 | $5,938,665 | $6,231,082 | $6,348,314 |
| Diluted NI Availto Com Stockholders | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Tax Provision | $22,243,979 | $22,062,509 | $5,913,783 | $11,659,482 |
| Amortization | $3,809,753 | $4,219,846 | $4,466,535 | $5,010,275 |
| Selling General And Administration | $187,981,426 | $214,604,113 | $222,900,696 | $242,880,389 |
| Other Gand A | $36,696,936 | $40,217,781 | $39,113,656 | $41,523,834 |
| Salaries And Wages | $141,059,782 | $164,454,210 | $177,690,957 | $183,058,343 |
| Occupancy And Equipment | $49,139,934 | $49,776,200 | $52,106,567 | $52,084,641 |
Balance Sheet (Annual)
Assets
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Net Tangible Assets | $424,715,092 | $405,986,692 | $362,566,367 | $345,897,523 |
| Total Assets | $1,007,627,647 | $1,056,351,043 | $1,117,318,141 | $1,218,296,589 |
| Goodwill And Other Intangible Assets | $14,765,372 | $18,440,524 | $22,660,370 | $27,126,905 |
| Other Intangible Assets | $7,394,581 | $11,069,733 | $15,289,579 | $19,756,114 |
| Receivables | $0 | $3,091,229 | $0 | - |
| Cash And Cash Equivalents | $9,730,296 | $11,839,460 | $16,508,935 | $19,236,322 |
| Cash Cash Equivalents And Federal Funds Sold | $9,730,296 | $11,839,460 | $16,508,935 | $19,236,322 |
| Other Receivables | - | $3,091,229 | - | - |
Debt
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Net Debt | $437,139,390 | $484,189,304 | $578,754,781 | $673,130,415 |
| Total Debt | $525,559,409 | $577,949,629 | $678,998,718 | $779,845,853 |
| Long Term Debt And Capital Lease Obligation | $525,559,409 | $577,949,629 | $678,998,718 | $779,845,853 |
| Long Term Debt | $446,869,686 | $496,028,764 | $595,263,716 | $692,366,737 |
Liabilities
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $568,147,183 | $631,923,827 | $732,091,404 | $845,272,161 |
| Payables And Accrued Expenses | $42,587,774 | $53,974,198 | $53,092,686 | $65,426,308 |
| Payables | $42,587,774 | $53,974,198 | $53,092,686 | $65,426,308 |
| Total Tax Payable | $222,742 | $0 | $2,532,766 | $7,384,169 |
| Income Tax Payable | $222,742 | $0 | $2,532,766 | $7,384,169 |
| Accounts Payable | $42,365,032 | $53,974,198 | $50,559,920 | $58,042,139 |
Equity
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Common Stock Equity | $439,480,464 | $424,427,216 | $385,226,737 | $373,024,428 |
| Total Equity Gross Minority Interest | $439,480,464 | $424,427,216 | $385,226,737 | $373,024,428 |
| Stockholders Equity | $439,480,464 | $424,427,216 | $385,226,737 | $373,024,428 |
| Retained Earnings | $173,053,986 | $137,994,264 | $97,154,898 | $92,117,343 |
Other
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Ordinary Shares Number | $5,374,012 | $5,938,665 | $6,231,082 | $6,348,314 |
| Share Issued | $5,374,012 | $5,938,665 | $6,231,082 | $6,348,314 |
| Tangible Book Value | $424,715,092 | $405,986,692 | $362,566,367 | $345,897,523 |
| Invested Capital | $886,350,150 | $920,455,980 | $980,490,453 | $1,065,391,165 |
| Capital Lease Obligations | $78,689,723 | $81,920,865 | $83,735,002 | $87,479,116 |
| Total Capitalization | $886,350,150 | $920,455,980 | $980,490,453 | $1,065,391,165 |
| Additional Paid In Capital | $266,426,478 | $286,432,952 | $288,071,839 | $280,907,085 |
| Capital Stock | $0 | $0 | $0 | $0 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $78,689,723 | $81,920,865 | $83,735,002 | $87,479,116 |
| Goodwill | $7,370,791 | $7,370,791 | $7,370,791 | $7,370,791 |
| Net PPE | $96,000,620 | $102,398,435 | $105,215,320 | $110,715,047 |
| Accumulated Depreciation | $-60,669,785 | $-56,173,639 | $-51,161,252 | $-50,375,024 |
| Gross PPE | $156,670,405 | $158,572,074 | $156,376,572 | $161,090,071 |
| Other Properties | $76,234,832 | $79,501,238 | $81,289,240 | $86,238,816 |
| Machinery Furniture Equipment | $59,465,807 | $58,814,442 | $56,482,568 | $56,273,499 |
| Buildings And Improvements | $20,869,323 | $20,155,951 | $18,504,321 | $18,477,313 |
| Land And Improvements | $100,443 | $100,443 | $100,443 | $100,443 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Free Cash Flow | $250,479,818 | $259,850,618 | $285,726,013 | $266,376,127 |
Operating Activities
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Operating Cash Flow | $254,163,602 | $265,783,366 | $291,553,786 | $272,446,541 |
| Cash Flow From Continuing Operating Activities | $254,163,602 | $265,783,366 | $291,553,786 | $272,446,541 |
| Operating Gains Losses | $-1,042,878 | $-1,801,747 | $-5,812,608 | $458,608 |
Investing Activities
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Capital Expenditure | $-3,683,784 | $-5,932,748 | $-5,827,773 | $-6,070,414 |
| Investing Cash Flow | $-152,750,703 | $-135,137,818 | $-180,583,800 | $-451,891,141 |
| Cash Flow From Continuing Investing Activities | $-152,750,703 | $-135,137,818 | $-180,583,800 | $-451,891,141 |
| Net Other Investing Changes | - | - | - | $1,104,895 |
Financing Activities
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-54,195,564 | $-36,204,531 | $-14,314,089 | $-111,139,261 |
| Financing Cash Flow | $-103,522,063 | $-135,315,023 | $-113,697,373 | $182,934,468 |
| Cash Flow From Continuing Financing Activities | $-103,522,063 | $-135,315,023 | $-113,697,373 | $182,934,468 |
| Net Other Financing Charges | $-2,726,535 | $-3,443,615 | $-3,724,515 | $-10,191,877 |
| Net Common Stock Issuance | $-54,195,564 | $-36,204,531 | $-14,314,089 | $-111,139,261 |
Other
| Metric | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-465,556,386 | $-404,235,815 | $-410,176,637 | $-523,855,286 |
| Issuance Of Debt | $416,597,875 | $305,700,964 | $313,862,948 | $815,315,246 |
| Interest Paid Supplemental Data | $44,691,237 | $48,836,325 | $51,761,768 | $21,318,911 |
| Income Tax Paid Supplemental Data | $3,654,628 | $8,952,124 | $10,783,143 | $30,941,852 |
| End Cash Position | $9,730,296 | $11,839,460 | $16,508,935 | $19,236,322 |
| Beginning Cash Position | $11,839,460 | $16,508,935 | $19,236,322 | $15,746,454 |
| Changes In Cash | $-2,109,164 | $-4,669,475 | $-2,727,387 | $3,489,868 |
| Proceeds From Stock Option Exercised | $2,358,547 | $2,867,974 | $654,920 | $12,805,646 |
| Common Stock Payments | $-54,195,564 | $-36,204,531 | $-14,314,089 | $-111,139,261 |
| Net Issuance Payments Of Debt | $-48,958,511 | $-98,534,851 | $-96,313,689 | $291,459,960 |
| Net Long Term Debt Issuance | $-48,958,511 | $-98,534,851 | $-96,313,689 | $291,459,960 |
| Long Term Debt Payments | $-465,556,386 | $-404,235,815 | $-410,176,637 | $-523,855,286 |
| Long Term Debt Issuance | $416,597,875 | $305,700,964 | $313,862,948 | $815,315,246 |
| Net PPE Purchase And Sale | $-3,133,540 | $-5,582,574 | $-5,297,992 | $-5,824,479 |
| Sale Of PPE | $550,244 | $350,174 | $529,781 | $245,935 |
| Purchase Of PPE | $-3,683,784 | $-5,932,748 | $-5,827,773 | $-6,070,414 |
| Change In Working Capital | $-7,713,466 | $-1,293,473 | $-21,480,774 | $4,616,629 |
| Change In Other Working Capital | $3,313,971 | $-5,623,995 | $-4,851,403 | $-4,191,692 |
| Change In Other Current Assets | $1,067,841 | $1,217,574 | $-9,147,152 | $-8,193,529 |
| Change In Payables And Accrued Expense | $-12,095,278 | $3,112,948 | $-7,482,219 | $17,001,850 |
| Change In Payable | $-12,095,278 | $3,112,948 | $-7,482,219 | $17,001,850 |
| Change In Account Payable | $-12,095,278 | $3,112,948 | $-7,482,219 | $17,001,850 |
| Other Non Cash Items | $2,380,160 | $400,438 | $4,764,540 | $-8,043,580 |
| Stock Based Compensation | $-19,688,968 | $-1,683,087 | $9,052,835 | $17,582,995 |
| Deferred Tax | $-2,348,230 | $10,737,604 | $-2,102,085 | $-10,877,962 |
| Deferred Income Tax | $-2,348,230 | $10,737,604 | $-2,102,085 | $-10,877,962 |
| Depreciation Amortization Depletion | $10,134,789 | $10,888,403 | $10,910,353 | $11,671,074 |
| Depreciation And Amortization | $10,134,789 | $10,888,403 | $10,910,353 | $11,671,074 |
| Amortization Cash Flow | $3,809,753 | $4,219,846 | $4,466,535 | $5,010,275 |
| Amortization Of Intangibles | $3,809,753 | $4,219,846 | $4,466,535 | $5,010,275 |
| Depreciation | $6,325,036 | $6,668,557 | $6,443,818 | $6,660,799 |
| Gain Loss On Sale Of PPE | $-60,087 | $-57,100 | $11,837 | $419,975 |
| Net Income From Continuing Operations | $89,741,398 | $77,345,227 | $21,231,990 | $53,919,837 |
| Net Intangibles Purchase And Sale | - | - | - | $-1,228,872 |
| Purchase Of Intangibles | - | - | - | $-1,228,872 |
| Effect Of Exchange Rate Changes | - | - | - | - |
| Net Business Purchase And Sale | - | - | - | - |
| Sale Of Business | - | - | - | - |
| Purchase Of Business | - | - | - | - |