Symbols / WRLD Stock $159.90 +4.34% World Acceptance Corporation

Financial Services • Credit Services • United States • NMS
WRLD (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Ms. Janet Lewis Matricciani
Exch · Country NMS · United States
Market Cap 805.59M
Enterprise Value 1.47B
Income 42.76M
Sales 573.38M
FCF (ttm) 15.97M
Book/sh 73.90
Cash/sh 2.10
Employees 2,838
Insider 10d —
IPO Nov 26, 1991
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 20.55
Forward P/E 11.73
PEG —
P/S 1.40
P/B 2.16
P/C —
EV/EBITDA 13.19
EV/Sales 2.56
Quick Ratio 20.94
Current Ratio 21.66
Debt/Eq 213.86
LT Debt/Eq —
EPS (ttm) 7.78
EPS next Y 13.63
EPS Growth —
Revenue Growth 1.90%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-04-30
Earnings (prior) 2026-01-27
ROA 5.67%
ROE 10.97%
ROIC —
Gross Margin 67.77%
Oper. Margin 8.33%
Profit Margin 7.46%
Shs Outstand 4.94M
Shs Float 2.30M
Insider Own 19.48%
Instit Own 85.25%
Short Float 92.60%
Short Ratio 2.97
Short Interest 449.35K
52W High 185.48
vs 52W High -13.79%
52W Low 110.00
vs 52W Low 45.36%
Beta 1.17
Impl. Vol. —
Rel Volume 0.08
Avg Volume 141.50K
Volume 10.98K
Target (mean) $130.00
Tgt Median $130.00
Tgt Low $130.00
Tgt High $130.00
# Analysts 1
Recom None
Prev Close $153.25
Price $159.90
Change 4.34%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$130.00
Mean price target
2. Current target
$159.90
Latest analyst target
3. DCF / Fair value
$58.23
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$159.90
Low
$130.00
High
$130.00
Mean
$130.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2023-10-23 main BMO Capital Underperform → Underperform $56
2023-07-24 main BMO Capital Underperform → Underperform $59
2023-07-19 reit Stephens & Co. Underweight → Underweight $56
2023-01-27 main BMO Capital — → Underperform $32
2022-10-28 main Stephens & Co. — → Underweight $87
2022-07-28 main Stephens & Co. — → Underweight $105
2022-06-29 down Stephens & Co. Equal-Weight → Underweight —
2021-07-22 up Stephens & Co. Underweight → Equal-Weight $140
2019-12-18 up Janney Montgomery Scott Sell → Neutral —
2019-07-25 down Janney Montgomery Scott Neutral → Sell $87
2018-11-05 main BMO Capital Underperform → Underperform $82
2018-07-27 main BMO Capital Underperform → Underperform $79
2018-07-23 main BMO Capital Underperform → Underperform $82
2017-01-10 down Jefferies Hold → Underperform $53
2016-11-18 down BMO Capital Market Perform → Underperform $44
2016-11-09 up Stephens & Co. Underweight → Equal-Weight —
2016-11-01 init Stephens & Co. — → Underweight —
2015-08-11 down Janney Montgomery Scott Buy → Neutral $38
2015-06-30 main Jefferies — → Hold $62
2015-06-25 down FBR Capital Outperform → Market Perform —
News
RSS: Latest WRLD news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-16 MATRICCIANI JANET LEWIS Chief Executive Officer — 7,095 $0.00 $0
2026-03-10 CALMES JOHN L JR. Chief Financial Officer — 1,000 $141.88 $141,880
2026-02-17 TURNER JAMES TOBIN Chief Operating Officer — 6,000 $0.00 $0
2025-12-19 PRASHAD RAVIN CHAD Chief Executive Officer — 6,300 $0.00 $0
2025-12-18 PRASHAD RAVIN CHAD Chief Executive Officer — 3,000 $146.72 $442,997
2025-12-17 CALMES JOHN L JR. Chief Financial Officer — 1,000 $148.11 $149,213
2025-12-16 DYER DANIEL CLINTON Officer — 8,946 $149.00 $1,333,043
2025-09-17 CAULDER ALICE LINDSAY Officer — 1,000 $167.33 $167,330
2025-09-15 PRASHAD RAVIN CHAD Chief Executive Officer — 8,924 $166.00 $1,485,805
2025-09-15 CHILDERS JASON E Officer — 759 $166.75 $126,563
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-03-31 2024-03-31 2023-03-31 2022-03-31
Total Revenue
522.13
-0.54%
524.98
-7.26%
566.08
+2.60%
551.76
Operating Revenue
522.13
-0.54%
524.98
-7.26%
566.08
+2.60%
551.76
Selling General And Administration
187.98
-12.41%
214.60
-3.72%
222.90
-8.23%
242.88
Selling And Marketing Expense
10.22
+2.95%
9.93
+62.93%
6.10
-66.68%
18.30
General And Administrative Expense
177.76
-13.15%
204.67
-5.60%
216.80
-3.46%
224.58
Salaries And Wages
141.06
-14.23%
164.45
-7.45%
177.69
-2.93%
183.06
Other Gand A
36.70
-8.75%
40.22
+2.82%
39.11
-5.80%
41.52
Reconciled Depreciation
10.13
-6.92%
10.89
-0.20%
10.91
-6.52%
11.67
Net Income
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Pretax Income
111.99
+12.65%
99.41
+266.20%
27.15
-58.61%
65.58
Net Interest Income
422.38
+0.50%
420.30
-8.21%
457.87
+1.25%
452.24
Interest Expense
42.71
-11.45%
48.23
-4.42%
50.46
+50.97%
33.42
Interest Income
465.09
-0.73%
468.53
-7.83%
508.34
+4.67%
485.67
Tax Provision
22.24
+0.82%
22.06
+273.07%
5.91
-49.28%
11.66
Tax Rate For Calcs
0.00
-10.36%
0.00
+1.90%
0.00
+22.53%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Net Income From Continuing Operation Net Minority Interest
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Net Income From Continuing And Discontinued Operation
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Net Income Continuous Operations
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Normalized Income
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Net Income Common Stockholders
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Diluted EPS
16.30
+25.15%
13.02
+282.25%
3.41
-59.77%
8.47
Basic EPS
16.70
+28.22%
13.02
+282.25%
3.41
-59.88%
8.49
Basic Average Shares
5.37
-9.51%
5.94
-4.69%
6.23
-1.85%
6.35
Diluted Average Shares
5.51
-7.27%
5.94
-4.69%
6.23
-2.09%
6.36
Diluted NI Availto Com Stockholders
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Average Dilution Earnings
0.00
0.00
0.00
0.00
Amortization
3.81
-9.72%
4.22
-5.52%
4.47
-10.85%
5.01
Amortization Of Intangibles Income Statement
3.81
-9.72%
4.22
-5.52%
4.47
-10.85%
5.01
Depreciation Amortization Depletion Income Statement
3.81
-9.72%
4.22
-5.52%
4.47
-10.85%
5.01
Depreciation And Amortization In Income Statement
3.81
-9.72%
4.22
-5.52%
4.47
-10.85%
5.01
Occupancy And Equipment
49.14
-1.28%
49.78
-4.47%
52.11
+0.04%
52.08
Line Item Trend 2025-03-31 2024-03-31 2023-03-31 2022-03-31
Total Assets
1,007.63
-4.61%
1,056.35
-5.46%
1,117.32
-8.29%
1,218.30
Cash And Cash Equivalents
9.73
-17.81%
11.84
-28.28%
16.51
-14.18%
19.24
Receivables
0.00
-100.00%
3.09
0.00
—
Other Receivables
—
3.09
—
—
Net PPE
96.00
-6.25%
102.40
-2.68%
105.22
-4.97%
110.72
Gross PPE
156.67
-1.20%
158.57
+1.40%
156.38
-2.93%
161.09
Accumulated Depreciation
-60.67
-8.00%
-56.17
-9.80%
-51.16
-1.56%
-50.38
Land And Improvements
0.10
+0.00%
0.10
+0.00%
0.10
+0.00%
0.10
Buildings And Improvements
20.87
+3.54%
20.16
+8.93%
18.50
+0.15%
18.48
Machinery Furniture Equipment
59.47
+1.11%
58.81
+4.13%
56.48
+0.37%
56.27
Other Properties
76.23
-4.11%
79.50
-2.20%
81.29
-5.74%
86.24
Goodwill And Other Intangible Assets
14.77
-19.93%
18.44
-18.62%
22.66
-16.47%
27.13
Goodwill
7.37
+0.00%
7.37
+0.00%
7.37
+0.00%
7.37
Other Intangible Assets
7.39
-33.20%
11.07
-27.60%
15.29
-22.61%
19.76
Total Liabilities Net Minority Interest
568.15
-10.09%
631.92
-13.68%
732.09
-13.39%
845.27
Payables And Accrued Expenses
42.59
-21.10%
53.97
+1.66%
53.09
-18.85%
65.43
Payables
42.59
-21.10%
53.97
+1.66%
53.09
-18.85%
65.43
Accounts Payable
42.37
-21.51%
53.97
+6.75%
50.56
-12.89%
58.04
Total Tax Payable
0.22
0.00
-100.00%
2.53
-65.70%
7.38
Income Tax Payable
0.22
0.00
-100.00%
2.53
-65.70%
7.38
Long Term Debt And Capital Lease Obligation
525.56
-9.06%
577.95
-14.88%
679.00
-12.93%
779.85
Long Term Debt
446.87
-9.91%
496.03
-16.67%
595.26
-14.02%
692.37
Long Term Capital Lease Obligation
78.69
-3.94%
81.92
-2.17%
83.74
-4.28%
87.48
Stockholders Equity
439.48
+3.55%
424.43
+10.18%
385.23
+3.27%
373.02
Common Stock Equity
439.48
+3.55%
424.43
+10.18%
385.23
+3.27%
373.02
Capital Stock
0.00
0.00
0.00
0.00
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
5.37
-9.51%
5.94
-4.69%
6.23
-1.85%
6.35
Ordinary Shares Number
5.37
-9.51%
5.94
-4.69%
6.23
-1.85%
6.35
Additional Paid In Capital
266.43
-6.98%
286.43
-0.57%
288.07
+2.55%
280.91
Retained Earnings
173.05
+25.41%
137.99
+42.04%
97.15
+5.47%
92.12
Total Equity Gross Minority Interest
439.48
+3.55%
424.43
+10.18%
385.23
+3.27%
373.02
Total Capitalization
886.35
-3.71%
920.46
-6.12%
980.49
-7.97%
1,065.39
Invested Capital
886.35
-3.71%
920.46
-6.12%
980.49
-7.97%
1,065.39
Total Debt
525.56
-9.06%
577.95
-14.88%
679.00
-12.93%
779.85
Net Debt
437.14
-9.72%
484.19
-16.34%
578.75
-14.02%
673.13
Capital Lease Obligations
78.69
-3.94%
81.92
-2.17%
83.74
-4.28%
87.48
Net Tangible Assets
424.72
+4.61%
405.99
+11.98%
362.57
+4.82%
345.90
Tangible Book Value
424.72
+4.61%
405.99
+11.98%
362.57
+4.82%
345.90
Cash Cash Equivalents And Federal Funds Sold
9.73
-17.81%
11.84
-28.28%
16.51
-14.18%
19.24
Line Item Trend 2025-03-31 2024-03-31 2023-03-31 2022-03-31
Operating Cash Flow
254.16
-4.37%
265.78
-8.84%
291.55
+7.01%
272.45
Cash Flow From Continuing Operating Activities
254.16
-4.37%
265.78
-8.84%
291.55
+7.01%
272.45
Net Income From Continuing Operations
89.74
+16.03%
77.35
+264.29%
21.23
-60.62%
53.92
Depreciation Amortization Depletion
10.13
-6.92%
10.89
-0.20%
10.91
-6.52%
11.67
Depreciation
6.33
-5.15%
6.67
+3.49%
6.44
-3.26%
6.66
Amortization Cash Flow
3.81
-9.72%
4.22
-5.52%
4.47
-10.85%
5.01
Depreciation And Amortization
10.13
-6.92%
10.89
-0.20%
10.91
-6.52%
11.67
Amortization Of Intangibles
3.81
-9.72%
4.22
-5.52%
4.47
-10.85%
5.01
Other Non Cash Items
2.38
+494.39%
0.40
-91.60%
4.76
+159.23%
-8.04
Stock Based Compensation
-19.69
-1069.81%
-1.68
-118.59%
9.05
-48.51%
17.58
Deferred Tax
-2.35
-121.87%
10.74
+610.81%
-2.10
+80.68%
-10.88
Deferred Income Tax
-2.35
-121.87%
10.74
+610.81%
-2.10
+80.68%
-10.88
Operating Gains Losses
-1.04
+42.12%
-1.80
+69.00%
-5.81
-1367.45%
0.46
Gain Loss On Sale Of PPE
-0.06
-5.23%
-0.06
-582.39%
0.01
-97.18%
0.42
Change In Working Capital
-7.71
-496.34%
-1.29
+93.98%
-21.48
-565.29%
4.62
Change In Payables And Accrued Expense
-12.10
-488.55%
3.11
+141.60%
-7.48
-144.01%
17.00
Change In Payable
-12.10
-488.55%
3.11
+141.60%
-7.48
-144.01%
17.00
Change In Account Payable
-12.10
-488.55%
3.11
+141.60%
-7.48
-144.01%
17.00
Change In Other Working Capital
3.31
+158.93%
-5.62
-15.93%
-4.85
-15.74%
-4.19
Change In Other Current Assets
1.07
-12.30%
1.22
+113.31%
-9.15
-11.64%
-8.19
Investing Cash Flow
-152.75
-13.03%
-135.14
+25.17%
-180.58
+60.04%
-451.89
Cash Flow From Continuing Investing Activities
-152.75
-13.03%
-135.14
+25.17%
-180.58
+60.04%
-451.89
Net PPE Purchase And Sale
-3.13
+43.87%
-5.58
-5.37%
-5.30
+9.04%
-5.82
Purchase Of PPE
-3.68
+37.91%
-5.93
-1.80%
-5.83
+4.00%
-6.07
Sale Of PPE
0.55
+57.13%
0.35
-33.90%
0.53
+115.42%
0.25
Capital Expenditure
-3.68
+37.91%
-5.93
-1.80%
-5.83
+4.00%
-6.07
Net Intangibles Purchase And Sale
—
—
—
-1.23
Purchase Of Intangibles
—
—
—
-1.23
Net Other Investing Changes
—
—
—
1.10
Financing Cash Flow
-103.52
+23.50%
-135.32
-19.01%
-113.70
-162.15%
182.93
Cash Flow From Continuing Financing Activities
-103.52
+23.50%
-135.32
-19.01%
-113.70
-162.15%
182.93
Net Issuance Payments Of Debt
-48.96
+50.31%
-98.53
-2.31%
-96.31
-133.05%
291.46
Issuance Of Debt
416.60
+36.28%
305.70
-2.60%
313.86
-61.50%
815.32
Repayment Of Debt
-465.56
-15.17%
-404.24
+1.45%
-410.18
+21.70%
-523.86
Long Term Debt Issuance
416.60
+36.28%
305.70
-2.60%
313.86
-61.50%
815.32
Long Term Debt Payments
-465.56
-15.17%
-404.24
+1.45%
-410.18
+21.70%
-523.86
Net Long Term Debt Issuance
-48.96
+50.31%
-98.53
-2.31%
-96.31
-133.05%
291.46
Net Common Stock Issuance
-54.20
-49.69%
-36.20
-152.93%
-14.31
+87.12%
-111.14
Common Stock Payments
-54.20
-49.69%
-36.20
-152.93%
-14.31
+87.12%
-111.14
Repurchase Of Capital Stock
-54.20
-49.69%
-36.20
-152.93%
-14.31
+87.12%
-111.14
Proceeds From Stock Option Exercised
2.36
-17.76%
2.87
+337.91%
0.65
-94.89%
12.81
Net Other Financing Charges
-2.73
+20.82%
-3.44
+7.54%
-3.72
+63.46%
-10.19
Changes In Cash
-2.11
+54.83%
-4.67
-71.21%
-2.73
-178.15%
3.49
Beginning Cash Position
11.84
-28.28%
16.51
-14.18%
19.24
+22.16%
15.75
End Cash Position
9.73
-17.81%
11.84
-28.28%
16.51
-14.18%
19.24
Free Cash Flow
250.48
-3.61%
259.85
-9.06%
285.73
+7.26%
266.38
Interest Paid Supplemental Data
44.69
-8.49%
48.84
-5.65%
51.76
+142.80%
21.32
Income Tax Paid Supplemental Data
3.65
-59.18%
8.95
-16.98%
10.78
-65.15%
30.94
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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