World Acceptance Corporation logo WRLD - World Acceptance Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 1
HOLD 5
SELL 4
STRONG
SELL
0
Metric 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 585.7 564.8 573.2 616.5 585.2 528.0 590.0 544.5 502.7 490.8 557.5 610.2 599.3 563.6 540.2 491.4 440.6 392.2 346.0 292.3 243.3 210.8 179.2 155.7 136.6 120.5 105.3 91.8 80.7 72.8 69.9 58.2 50.7 43.9
Cost of Revenue 3.2 169.2 205.2 309.9 219.6 111.9 207.6 166.4 136.7 140.6 150.4 142.1 147.8 131.7 119.6 110.7 104.2 100.4 79.1 61.5 53.2 44.7 37.4 34.1 31.1 28.0 21.7 17.2 15.1 4.3 3.5 3.6 3.7 4.3
Gross Profit 582.6 395.6 368.0 306.6 365.6 416.0 382.4 378.2 366.0 350.2 407.0 468.1 451.5 431.9 420.6 380.8 336.5 291.8 266.9 230.8 190.1 166.1 141.7 121.6 105.5 92.5 83.6 74.6 65.6 68.5 66.4 54.6 47 39.6
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 312.5 188.0 214.6 222.9 242.9 243.0 288.2 238.0 229.0 205.7 224.2 249.6 241.3 228.0 225.1 204.5 186.3 172.2 132.1 113.1 93.4 81.2 69.8 61.3 53.4 47.8 43.4 41.2 37.1 31.1 36.6 29.6 25.5 21.9
Other Expenses 0 49.1 54.0 56.6 57.1 61.6 59.2 50.3 40.1 38.6 45.0 42.4 39.9 37.6 35.6 33.1 30.7 28.0 47.1 40.5 35.1 31.1 26.5 24.5 22.0 20.4 18.4 22.5 16.5 25.3 13.6 11.5 12.3 10.4
Operating Expenses 312.5 237.1 268.6 279.5 300.0 304.6 347.5 288.3 269.1 244.3 269.1 292.1 281.2 265.6 260.7 237.5 217.0 200.2 179.2 153.6 128.5 112.2 96.3 85.8 75.4 68.3 61.8 63.7 53.6 56.4 50.2 41.1 37.8 32.3
Operating Income
Operating Income 95.3 158.5 99.4 27.1 65.6 111.4 34.9 89.9 96.9 105.9 137.9 176.0 170.2 166.3 159.9 143.2 119.4 91.6 87.7 77.2 61.6 53.9 45.4 35.9 30.0 24.3 21.7 10.9 12 12.1 16.2 13.5 9.2 7.3
Interest Expense 49.4 42.7 48.2 50.5 33.4 25.7 25.9 17.9 19.1 21.5 26.8 23.3 21.2 17.4 13.9 14.8 13.9 14.9 11.6 9.6 7.1 4.6 3.9 4.5 5.4 8.3 6.0 5.5 5.5 4.3 3.5 3.6 3.7 4.3
Interest Income 484.8 465.1 468.5 508.3 485.7 451.1 508.3 469.2 435.7 427.9 495.1 524.3 523.8 485.4 466.5 424.6 375.0 331.5 292.5 247.0 204.5 177.6 151.5 133.3 117.2 103.4 89.1 80.7 0 0 0 0 0 0
Profitability
EBITDA 95.3 165.0 110.3 38.1 77.3 123.8 47.1 98.0 105.2 113.4 144.9 183.3 177.6 174.1 168.1 151.4 127.5 99.6 91.0 83.5 66.9 58.6 49.6 39.9 33.9 27.7 24.8 13.8 15 16.5 20 17.5 13.9 11.7
EBIT 95.3 154.7 99.4 27.1 65.6 111.4 34.9 89.9 96.9 105.9 137.9 176.0 170.2 166.3 159.9 143.2 119.4 91.6 87.7 77.2 61.6 53.9 45.4 35.9 30.0 24.3 21.7 10.9 12 12.1 16.2 13.5 9.2 7.3
Income Before Tax 45.8 112.0 99.4 27.1 65.6 111.4 34.9 89.9 96.9 105.9 137.9 176.0 170.2 166.3 159.9 143.2 119.4 91.6 87.7 77.2 61.6 53.9 45.4 35.9 30.0 24.3 21.7 10.9 12 12.1 16.2 13.5 9.2 7.3
Income Tax Expense 10.8 22.2 22.1 5.9 11.7 23.1 6.8 16.0 47.8 38.2 50.5 65.2 63.6 62.2 59.2 52.0 45.8 35.1 34.7 29.3 23.1 19.9 16.6 13.0 10.7 8.7 7.6 3.6 3.9 4 5.6 4.9 3.4 2.9
Net Income 35.0 89.7 77.3 21.2 53.9 88.3 28.2 37.2 53.7 73.6 87.4 110.8 106.6 104.1 100.7 91.2 73.7 56.5 53.0 47.9 38.5 34.0 28.8 22.9 19.3 15.6 14.2 7.3 8.1 8.1 10.6 8.6 5.8 4.4
Per Share Data
EPS (Basic) 6.97 16.54 13.45 3.69 8.88 13.59 3.66 4.01 6.11 8.45 10.12 12.12 10.39 8.55 7.25 5.81 4.52 3.48 3.11 2.66 2.08 1.81 1.58 1.28 1.03 0.84 0.75 0.39 0.43 0.41 0.49 0.41 0.28 0.21
EPS (Diluted) 6.97 16.30 13.19 3.60 8.47 13.23 3.54 4.01 5.99 8.38 10.05 11.90 9.08 7.88 6.59 5.63 4.45 3.43 3.05 2.60 2.02 1.74 1.49 1.25 1.00 0.83 0.74 0.38 0.42 0.41 0.49 0.41 0.28 0.21
Shares Outstanding 5.0 5.5 5.7 5.7 6.1 6.8 7.7 9.3 8.8 8.7 8.8 9.0 10.3 12.2 13.9 15.7 16.3 16.2 17.0 18.0 18.5 18.8 18.1 17.9 18.8 18.7 19.0 19.0 19.0 19.5 21.7 21.0 20.7 21.0
Metric 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 5.1 9.7 11.8 16.5 19.2 15.7 11.6 9.3 12.5 15.2 12.4 6.3 7.6 4.3 4.0 3.2 3.3 1.7 1.2 1.2 1.5 1.7 1.2 1.3 0.5
Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 841.9 813.0 3.1 887.8 985.5 733.7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 (887.8) (985.5) (733.7) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 847.0 822.7 14.9 16.5 19.2 15.7 11.6 9.3 12.5 15.2 12.4 6.3 7.6 4.3 4.0 3.2 3.3 1.7 1.2 1.2 1.5 1.7 1.2 1.3 0.5
Non-Current Assets
Property, Plant & Equipment 162.9 96.0 102.4 105.2 110.7 116.4 126.4 25.4 22.8 24.2 25.3 23.1 18.7 9.3 8.3 6.9 6.5 6.8 6.3 6.4 6.1 5.6 4.4 3.4 1.5
Goodwill 7.4 7.4 7.4 7.4 7.4 7.4 7.4 7.0 7.0 6.1 6.1 5.6 0 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 4.2 7.4 11.1 15.3 19.8 23.5 24.4 15.3 6.6 6.6 2.9 9.0 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 865.2 813.0 847.4 887.8 985.5 734.8 808.4 755.6 758.6 695.7 706.7 460.4 411.6 219.3 188.1 159.7 150.4 125.7 108.6 94.9 83.3 74.6 67.2 54.7 46.7
Other Non-Current Assets (865.2) (738.8) 42.2 43.4 35.9 31.4 28.5 18.4 13.2 13.8 14.6 9.5 33.0 13.6 13.3 11.4 9.8 8.3 7.5 6.3 2.2 2.6 2.2 2.6 1.9
Total Non-Current Assets 174.5 184.9 1,041.4 1,100.8 1,199.1 938.5 1,018.5 845.7 828.5 785.4 793.8 519.8 478.5 257.7 224.3 192.0 179.9 151.8 132.2 117.2 100.7 87.7 82.3 71.9 62.9
Total Assets 1,052.1 1,007.6 1,056.4 1,117.3 1,218.3 954.3 1,030.1 855.0 841.0 800.6 806.2 526.1 486.1 262.0 228.3 195.2 183.2 153.5 133.4 118.4 102.2 89.4 83.5 73.2 63.4
Current Liabilities
Account Payables 0 37.1 54.0 50.6 58.0 41.0 59.3 39.4 33.5 31.9 31.4 95 0 0 0 0 0 0 0 0 0 0 0 9.1 7.7
Short-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 0.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Liabilities 0 65.5 54.0 50.6 58.0 41.0 59.3 39.4 33.5 31.9 31.4 116.3 0 0 0 0 0 0 0 0 0 0 0 9.1 7.7
Non-Current Liabilities
Long-Term Debt 587.2 446.9 496.0 595.3 692.4 405.0 451.1 251.9 244.9 295.1 374.7 102.0 214.9 95.0 102.5 83.4 91.6 78.4 71.7 64.2 58.7 38.3 37.9 36.1 32.8
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 37.0 0 0 2.5 7.4 11.6 5.0 11.6 21.5 12.5 8.3 11.4 36.9 10.4 9.7 9.4 8.8 6.9 7 6.9 4.5 6.2 9.8 1.1 1.9
Total Non-Current Liabilities 698.2 502.6 577.9 681.5 787.2 508.3 558.8 263.5 266.4 307.7 382.9 113.5 251.8 105.4 112.3 92.8 100.4 85.3 78.7 71.1 63.2 44.5 47.7 37.2 34.7
Total Liabilities 698.2 568.1 631.9 732.1 845.3 549.3 618.1 302.9 299.9 339.5 414.3 229.8 251.8 105.4 112.3 92.8 100.4 85.3 78.7 71.1 63.2 44.5 47.7 46.3 42.4
Stockholders' Equity
Common Stock 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Retained Earnings 0 173.1 138.0 97.2 92.1 149.3 184.7 354.0 391.3 344.6 276.0 283.5 232.8 143.8 115.0 101.8 82.4 67.9 53.8 46.4 38.3 30.2 19.7 11.1 5.3
Accumulated Other Comprehensive Income 0 0 0 0 0 0 0 0 (26.1) (27.8) (22.9) (4.2) 0.2 0 0 0 0 0 0 0 0 0 0 0 0
Total Stockholders' Equity 1,052.1 439.5 424.4 385.2 373.0 404.9 412.0 552.1 541.1 461.1 391.9 296.3 234.3 156.6 116.0 102.4 82.7 68.2 54.7 47.3 39 44.9 35.8 26.9 21
Total Liabilities & Equity 1,750.4 1,007.6 1,056.4 1,117.3 1,218.3 954.3 1,030.1 855.0 841.0 800.6 806.2 526.1 486.1 262.0 228.3 195.2 183.2 153.5 133.4 118.4 102.2 89.4 83.5 73.2 63.4
Debt Metrics
Total Debt 661.2 525.6 577.9 679.0 779.8 496.7 553.9 251.9 244.9 295.1 374.7 102.0 214.9 95.0 102.5 83.4 91.6 78.4 71.7 64.2 58.7 38.3 37.9 36.1 32.8
Net Debt 656.1 515.8 566.1 662.5 760.6 481.0 542.2 242.6 232.4 279.9 362.3 95.8 207.3 90.7 98.5 80.2 88.3 76.7 70.5 63 57.2 36.6 36.7 34.8 32.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 89.7 77.3 21.2 53.9 88.3 28.2 37.2 53.7 73.6 87.4 34.0 28.8 22.9 19.3 15.6 14.2 7.3 8.1 8.1 10.6 8.6 5.8 4.4
Depreciation & Amortization 10.1 10.9 10.9 11.7 12.4 12.2 8.1 8.3 7.4 7.0 4.7 4.2 4.0 3.8 3.4 3.0 2.9 3 4.4 3.8 4 4.7 4.4
Stock-Based Compensation (19.7) (1.7) 9.1 17.6 19.3 29.0 17.6 5.4 4.8 (6.4) 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (7.7) (1.3) (21.5) 4.6 (15.9) 4.4 (2.2) 9.7 3.9 (7.5) 10.1 4.9 0.4 0.4 1.1 (1.1) (1.2) (1.6) (1.4) (1.8) (0.3) 0.8 2.1
Other Non-Cash Items 184.0 169.8 273.9 195.5 115.5 205.9 187.5 132.1 130.6 126.3 40.0 33.0 29.6 25.7 19.7 15.7 11.7 9.5 9.5 9.1 5.9 4.2 3.6
Operating Cash Flow 254.2 265.8 291.6 272.4 227.0 281.0 244.7 218.0 219.4 206.1 87.7 69.9 55.1 48.3 39.1 31.9 20.7 19 20.6 21.7 18.2 14.7 14
Investing Activities
Capital Expenditure (3.7) (5.9) (5.8) (6.1) (11.7) (25.7) (20.0) (11.2) (10.9) (8.7) (6.8) (5.5) (2.9) (2.0) (1.3) (1.9) (1.3) (1.8) (1.7) (2.2) (1.8) (1.5) (0.8)
Acquisitions (18.4) (1.6) (22.6) 0 0 0 37.5 (15.6) (20.8) (0.1) (26.1) (18.7) (19.7) (13.7) (19.5) (12.4) (5.8) (9.4) (20.0) 0 0 0 0
Purchases of Investments 0 0 0 0 0 0 0 0 0 0 (45.6) 0 0 0 0 0 0 0 0 0 0 0 0
Sales/Maturities of Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Investing Activities (130.7) (127.6) (152.2) (445.8) (70.3) (267.8) (234.7) (143.1) (99.8) (93.1) 4.4 (46.4) (41.3) (24.3) (28.8) (23.2) (21.1) (13.8) (5.5) (19.6) (18.4) (15.5) (7.5)
Investing Cash Flow (152.8) (135.1) (180.6) (451.9) (82.0) (279.1) (207.0) (169.8) (131.6) (101.9) (74.2) (70.6) (63.8) (40.0) (49.6) (37.5) (28.2) (25) (27.2) (21.8) (20.2) (17) (8.3)
Financing Activities
Net Debt Issuance (49.0) (98.5) (97.5) 291.5 (46.7) 198.6 7.0 (50.2) (79.5) (132.0) (10.8) (7.0) 19.1 (8.2) 13.2 6.8 7.5 5.5 20.5 0.4 1.8 3.2 (5.7)
Stock Repurchased (54.2) (36.2) (14.3) (111.1) (102.5) (197.4) (74.5) (4.6) (5.0) 0 (8.8) 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Financing Activities (0.4) (0.6) (1.9) 2.6 8.3 (0.9) (1.6) (1.9) 0.4 0.1 (0.4) 0 0 0 0 0 (0.1) 0 0 0 (0.1) 0 0
Financing Cash Flow (103.5) (135.3) (113.7) 182.9 (140.8) 0.4 (63.1) (31.5) (84.2) (128.6) (15.2) 1.0 9.5 (8.4) 12.1 6.1 7.5 5.7 6.4 0.6 1.9 3.2 (5.7)
Cash Position
Net Change in Cash (2.1) (4.7) (2.7) 3.5 4.1 2.3 (22.8) 16.9 2.8 (26.0) (1.3) 0.3 0.8 (0.1) 1.6 0.5 0 (0.3) (0.2) 0.5 (1.3) (0.5) (0.4)
Cash at Beginning 11.8 16.5 19.2 15.7 11.6 9.3 32.1 15.2 12.4 38.3 4.3 4.0 3.2 3.3 1.7 1.2 1.2 1.5 1.7 1.2 1.3 0.5 0.4
Cash at End 9.7 11.8 16.5 19.2 15.7 11.6 9.3 32.1 15.2 12.4 3.0 4.3 4.0 3.2 3.3 1.7 1.2 1.2 1.5 1.7 0 0 0
Free Cash Flow 250.5 259.9 285.7 266.4 215.3 255.2 224.6 206.9 208.4 197.3 80.8 64.3 52.3 46.3 37.8 30.0 19.4 17.2 18.9 19.5 16.4 13.2 13.2
Key Metrics 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 585.7 564.8 573.2 616.5 585.2 528.0 590.0 544.5 502.7 490.8 557.5 610.2 599.3 563.6 540.2 491.4 440.6 392.2 346.0 292.3 243.3 210.8 179.2 155.7 136.6 120.5 105.3 91.8 80.7 72.8 69.9 58.2 50.7 43.9
Gross Profit 582.6 395.6 368.0 306.6 365.6 416.0 382.4 378.2 366.0 350.2 407.0 468.1 451.5 431.9 420.6 380.8 336.5 291.8 266.9 230.8 190.1 166.1 141.7 121.6 105.5 92.5 83.6 74.6 65.6 68.5 66.4 54.6 47 39.6
Operating Income 95.3 158.5 99.4 27.1 65.6 111.4 34.9 89.9 96.9 105.9 137.9 176.0 170.2 166.3 159.9 143.2 119.4 91.6 87.7 77.2 61.6 53.9 45.4 35.9 30.0 24.3 21.7 10.9 12 12.1 16.2 13.5 9.2 7.3
Net Income 35.0 89.7 77.3 21.2 53.9 88.3 28.2 37.2 53.7 73.6 87.4 110.8 106.6 104.1 100.7 91.2 73.7 56.5 53.0 47.9 38.5 34.0 28.8 22.9 19.3 15.6 14.2 7.3 8.1 8.1 10.6 8.6 5.8 4.4
EPS (Diluted) 6.97 16.30 13.19 3.60 8.47 13.23 3.54 4.01 5.99 8.38 10.05 11.90 9.08 7.88 6.59 5.63 4.45 3.43 3.05 2.60 2.02 1.74 1.49 1.25 1.00 0.83 0.74 0.38 0.42 0.41 0.49 0.41 0.28 0.21
Balance Sheet
Cash & Equivalents 5.1 9.7 11.8 16.5 19.2 15.7 11.6 9.3 12.5 15.2 12.4 6.3 7.6 4.3 4.0 3.2 3.3 1.7 1.2 1.2 1.5 1.7 1.2 1.3 0.5
Total Assets 1,052.1 1,007.6 1,056.4 1,117.3 1,218.3 954.3 1,030.1 855.0 841.0 800.6 806.2 526.1 486.1 262.0 228.3 195.2 183.2 153.5 133.4 118.4 102.2 89.4 83.5 73.2 63.4
Total Debt 661.2 525.6 577.9 679.0 779.8 496.7 553.9 251.9 244.9 295.1 374.7 102.0 214.9 95.0 102.5 83.4 91.6 78.4 71.7 64.2 58.7 38.3 37.9 36.1 32.8
Stockholders' Equity 1,052.1 439.5 424.4 385.2 373.0 404.9 412.0 552.1 541.1 461.1 391.9 296.3 234.3 156.6 116.0 102.4 82.7 68.2 54.7 47.3 39 44.9 35.8 26.9 21
Cash Flow
Operating Cash Flow 254.2 265.8 291.6 272.4 227.0 281.0 244.7 218.0 219.4 206.1 87.7 69.9 55.1 48.3 39.1 31.9 20.7 19 20.6 21.7 18.2 14.7 14
Capital Expenditure (3.7) (5.9) (5.8) (6.1) (11.7) (25.7) (20.0) (11.2) (10.9) (8.7) (6.8) (5.5) (2.9) (2.0) (1.3) (1.9) (1.3) (1.8) (1.7) (2.2) (1.8) (1.5) (0.8)
Free Cash Flow 250.5 259.9 285.7 266.4 215.3 255.2 224.6 206.9 208.4 197.3 80.8 64.3 52.3 46.3 37.8 30.0 19.4 17.2 18.9 19.5 16.4 13.2 13.2