WRLD

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World Acceptance Corp.

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Key Metrics

Previous Close: $184.55
52-Week Range: $110.00 – $227.68
Market Cap: $857.75M
P/E (TTM): 23.34
EPS (TTM): 7.88
Dividend Yield: —

Advanced Metrics

Price/Book: 2.35
PEG Ratio: 0.70
Return on Equity: 9.90%
Return on Assets: 6.17%
Gross Margin: 69.24%
Operating Margin: 15.32%
Profit Margin: 6.61%
Current Ratio: 10.38
Debt/Equity: 1.79
Total Debt: $648.07M
Free Cash Flow: $60.71M
Revenue Growth: 4.80%
Earnings Growth: 343.30%
Enterprise Value: $1.47B

WRLD Income statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Revenue	$566.08M	$524.58M	$521.46M	$535.72M
Selling, General & Admin	$222.90M	$214.60M	$187.98M	$250.33M
Pretax Income	$27.15M	$99.00M	$111.31M	$45.24M
Income Tax	$5.91M	$21.96M	$22.07M	$10.66M
Net Income	$21.23M	$77.05M	$89.24M	$34.59M
Diluted EPS	3.41	13.02	16.30	6.97
Diluted Shares	6.23M	5.94M	5.51M	5.03M

WRLD Balance Sheet statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Cash & Equivalents	$16.51M	$11.84M	$4.71M	$6.07M
Receivables	$0.00	$3.09M	$0.00	$2.42M
Total Assets	$1.12B	$1.06B	$1.01B	$1.05B
Long-Term Debt	$595.26M	$496.03M	$446.87M	$587.23M
Total Debt	$679.00M	$577.95M	$525.56M	$661.19M
Total Liabilities	$732.09M	$631.92M	$571.50M	$703.12M
Retained Earnings	$97.15M	$137.99M	$170.57M	$71.56M
Shareholders' Equity	$385.23M	$424.43M	$436.99M	$351.01M
Net Debt	$578.75M	$484.19M	$442.16M	$581.16M

WRLD Cash Flow statement, annual periods, in USD
USD	FY2023	FY2024	FY2025	FY2026
Operating Cash Flow	$291.55M	$265.78M	$254.16M	$259.36M
Capital Expenditure	-$5.83M	-$5.93M	-$3.68M	-$3.88M
Free Cash Flow	$285.73M	$259.85M	$250.48M	$255.48M
Depreciation & Amortisation	$10.91M	$10.89M	$10.13M	$8.99M
Stock-Based Compensation	$9.05M	-$1.68M	-$19.69M	$19.34M
Investing Cash Flow	-$180.58M	-$135.14M	-$152.75M	-$232.88M
Financing Cash Flow	-$113.70M	-$135.32M	-$103.52M	-$6.83M
Share Repurchases	-$14.31M	-$36.20M	-$54.20M	-$132.42M
Net Change in Cash	-$2.73M	-$4.67M	-$2.11M	$19.64M

WRLD Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$122.82M	$120.12M	$128.47M	$164.31M	—
Selling, General & Admin	$57.74M	$59.34M	$64.84M	$68.41M	—
Pretax Income	$1.95M	-$1.69M	-$1.01M	$46.00M	—
Income Tax	$601.75K	$260.15K	-$102.05K	$9.90M	—
Net Income	$1.34M	-$1.95M	-$911.33K	$36.10M	—
Diluted EPS	0.25	-0.38	-0.19	7.70	1.32
Diluted Shares	5.44M	5.09M	4.94M	4.75M	4.64M

WRLD Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$4.71M	$8.13M	$14.88M	$10.00M	$6.07M
Receivables	$0.00	$7.63M	$11.57M	$16.37M	$2.42M
Total Assets	$1.01B	$1.02B	$1.06B	$1.14B	$1.05B
Long-Term Debt	$446.87M	$471.74M	$584.59M	$677.23M	$587.23M
Total Debt	$525.56M	$548.82M	$660.08M	$751.93M	$661.19M
Total Liabilities	$571.50M	$596.21M	$696.72M	$790.78M	$703.12M
Retained Earnings	$170.57M	$161.38M	$92.14M	$76.15M	$71.56M
Shareholders' Equity	$436.99M	$427.85M	$365.65M	$351.60M	$351.01M
Net Debt	$442.16M	$463.61M	$569.70M	$667.23M	$581.16M

WRLD Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$90.96M	$58.15M	$48.63M	$57.97M	$94.60M
Capital Expenditure	-$869.35K	-$1.04M	-$917.98K	-$807.94K	-$1.12M
Free Cash Flow	$90.09M	$57.11M	$47.71M	$57.16M	$93.49M
Depreciation & Amortisation	$2.43M	$2.35M	$2.26M	$2.19M	$2.19M
Stock-Based Compensation	-$1.13M	$3.11M	$6.06M	$5.43M	$4.75M
Investing Cash Flow	$48.06M	-$68.27M	-$81.14M	-$104.80M	$21.32M
Financing Cash Flow	-$144.87M	$8.51M	$39.27M	$74.16M	-$128.77M
Share Repurchases	-$32.00M	-$12.97M	-$66.63M	-$14.99M	-$37.83M
Net Change in Cash	-$5.85M	-$1.60M	$6.76M	$27.33M	-$12.84M

Market Snapshot

About

World Acceptance Corp. is a small-loan consumer finance company that provides short-term small loans, medium-term larger loans, related credit insurance, and ancillary products and services to individuals. The company operates through a network of branches primarily in the southeastern United States and Texas.