Symbols / WRLD Stock $169.50 -0.56% 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 —
Exch · Country NMS · United States
Market Cap 786.53M
Enterprise Value 1.41B
Income 34.59M
Sales 584.79M
FCF (ttm) 14.78M
Book/sh 73.90
Cash/sh 1.36
Employees 2,907
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 24.74
Forward P/E 12.00
PEG 0.70
P/S 1.34
P/B 2.29
P/C —
EV/EBITDA 13.67
EV/Sales 2.42
Quick Ratio 14.22
Current Ratio 14.61
Debt/Eq 188.37
LT Debt/Eq —
EPS (ttm) 6.85
EPS next Y 14.12
EPS Growth -5.40%
Revenue Growth 7.30%
EPS Gr Q/Q -17.50%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-30
ROA 5.72%
ROE 8.78%
ROIC —
Gross Margin 67.75%
Oper. Margin 33.01%
Profit Margin 5.91%
Shs Outstand 4.64M
Shs Float 2.02M
Insider Own 20.70%
Instit Own 96.32%
Short Float 279.44%
Short Ratio 3.09
Short Interest 527.30K
52W High 185.48
vs 52W High -8.62%
52W Low 110.00
vs 52W Low 54.09%
Beta 1.20
Impl. Vol. —
Rel Volume 0.59
Avg Volume 161.76K
Volume 94.75K
Target (mean) $141.00
Tgt Median $141.00
Tgt Low $141.00
Tgt High $141.00
# Analysts 1
Recom None
Prev Close $170.45
Price $169.50
Change -0.56%
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 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$141.00
Mean price target
2. Current target
$169.50
Latest analyst target
3. DCF / Fair value
$57.32
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$169.50
Low
$141.00
High
$141.00
Mean
$141.00

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
2026-05-22 ROBINSON BENJAMIN E III Director — 90 $160.00 $14,400
2026-04-30 ROBINSON BENJAMIN E III Director — 180 $160.00 $28,800
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
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 2026-03-31 2025-03-31 2024-03-31 2023-03-31
Total Revenue
535.72
+2.74%
521.46
-0.59%
524.58
-7.33%
566.08
Operating Revenue
535.72
+2.74%
521.46
-0.59%
524.58
-7.33%
566.08
Selling General And Administration
250.33
+33.17%
187.98
-12.41%
214.60
-3.72%
222.90
Selling And Marketing Expense
10.59
+3.54%
10.22
+2.95%
9.93
+62.93%
6.10
General And Administrative Expense
239.75
+34.87%
177.76
-13.15%
204.67
-5.60%
216.80
Salaries And Wages
200.02
+41.80%
141.06
-14.23%
164.45
-7.45%
177.69
Other Gand A
39.73
+8.25%
36.70
-8.75%
40.22
+2.82%
39.11
Reconciled Depreciation
8.99
-11.33%
10.13
-6.92%
10.89
-0.20%
10.91
Net Income
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Pretax Income
45.24
-59.36%
111.31
+12.43%
99.00
+264.72%
27.15
Net Interest Income
435.39
+3.08%
422.38
+0.50%
420.30
-8.21%
457.87
Interest Expense
49.44
+15.76%
42.71
-11.45%
48.23
-4.42%
50.46
Interest Income
484.83
+4.24%
465.09
-0.73%
468.53
-7.83%
508.34
Tax Provision
10.66
-51.72%
22.07
+0.52%
21.96
+271.31%
5.91
Tax Rate For Calcs
0.00
+18.79%
0.00
-10.68%
0.00
+1.90%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Net Income From Continuing Operation Net Minority Interest
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Net Income From Continuing And Discontinued Operation
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Net Income Continuous Operations
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Normalized Income
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Net Income Common Stockholders
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Diluted EPS
6.97
-57.00%
16.21
+23.36%
13.14
+285.65%
3.41
Basic EPS
7.52
-54.29%
16.45
+22.76%
13.40
+293.28%
3.41
Basic Average Shares
4.66
-14.17%
5.43
-5.62%
5.75
-7.74%
6.23
Diluted Average Shares
5.03
-8.73%
5.51
-6.05%
5.86
-5.92%
6.23
Diluted NI Availto Com Stockholders
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Average Dilution Earnings
—
0.00
0.00
0.00
Amortization
3.19
-16.39%
3.81
-9.72%
4.22
-5.52%
4.47
Amortization Of Intangibles Income Statement
3.19
-16.39%
3.81
-9.72%
4.22
-5.52%
4.47
Depreciation Amortization Depletion Income Statement
3.19
-16.39%
3.81
-9.72%
4.22
-5.52%
4.47
Depreciation And Amortization In Income Statement
3.19
-16.39%
3.81
-9.72%
4.22
-5.52%
4.47
Occupancy And Equipment
48.36
-1.59%
49.14
-1.28%
49.78
-4.47%
52.11
Line Item Trend 2026-03-31 2025-03-31 2024-03-31 2023-03-31
Total Assets
1,054.12
+4.52%
1,008.49
-4.53%
1,056.35
-5.46%
1,117.32
Cash And Cash Equivalents
6.07
+28.78%
4.71
-60.18%
11.84
-28.28%
16.51
Receivables
2.42
0.00
-100.00%
3.09
0.00
Other Receivables
2.42
—
3.09
—
Net PPE
88.96
-7.34%
96.00
-6.25%
102.40
-2.68%
105.22
Gross PPE
153.55
-1.99%
156.67
-1.20%
158.57
+1.40%
156.38
Accumulated Depreciation
-64.59
-6.46%
-60.67
-8.00%
-56.17
-9.80%
-51.16
Land And Improvements
0.04
-55.75%
0.10
+0.00%
0.10
+0.00%
0.10
Buildings And Improvements
21.62
+3.61%
20.87
+3.54%
20.16
+8.93%
18.50
Machinery Furniture Equipment
60.35
+1.49%
59.47
+1.11%
58.81
+4.13%
56.48
Other Properties
71.53
-6.18%
76.23
-4.11%
79.50
-2.20%
81.29
Goodwill And Other Intangible Assets
11.58
-21.57%
14.77
-19.93%
18.44
-18.62%
22.66
Goodwill
7.37
+0.00%
7.37
+0.00%
7.37
+0.00%
7.37
Other Intangible Assets
4.21
-43.07%
7.39
-33.20%
11.07
-27.60%
15.29
Total Liabilities Net Minority Interest
703.12
+23.03%
571.50
-9.56%
631.92
-13.68%
732.09
Payables And Accrued Expenses
38.00
-10.78%
42.59
-21.10%
53.97
+1.66%
53.09
Payables
38.00
-10.78%
42.59
-21.10%
53.97
+1.66%
53.09
Accounts Payable
38.00
-10.31%
42.37
-21.51%
53.97
+6.75%
50.56
Total Tax Payable
0.00
-100.00%
0.22
0.00
-100.00%
2.53
Income Tax Payable
0.00
-100.00%
0.22
0.00
-100.00%
2.53
Long Term Debt And Capital Lease Obligation
661.19
+25.81%
525.56
-9.06%
577.95
-14.88%
679.00
Long Term Debt
587.23
+31.41%
446.87
-9.91%
496.03
-16.67%
595.26
Long Term Capital Lease Obligation
73.96
-6.00%
78.69
-3.94%
81.92
-2.17%
83.74
Non Current Deferred Liabilities
3.93
+17.19%
3.35
—
—
Non Current Deferred Revenue
3.93
+17.19%
3.35
—
—
Stockholders Equity
351.01
-19.68%
436.99
+2.96%
424.43
+10.18%
385.23
Common Stock Equity
351.01
-19.68%
436.99
+2.96%
424.43
+10.18%
385.23
Capital Stock
0.00
0.00
0.00
0.00
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
4.66
-13.35%
5.37
-9.51%
5.94
-4.69%
6.23
Ordinary Shares Number
4.66
-13.35%
5.37
-9.51%
5.94
-4.69%
6.23
Additional Paid In Capital
279.44
+4.89%
266.43
-6.98%
286.43
-0.57%
288.07
Retained Earnings
71.56
-58.04%
170.57
+23.60%
137.99
+42.04%
97.15
Total Equity Gross Minority Interest
351.01
-19.68%
436.99
+2.96%
424.43
+10.18%
385.23
Total Capitalization
938.23
+6.15%
883.86
-3.98%
920.46
-6.12%
980.49
Invested Capital
938.23
+6.15%
883.86
-3.98%
920.46
-6.12%
980.49
Total Debt
661.19
+25.81%
525.56
-9.06%
577.95
-14.88%
679.00
Net Debt
581.16
+31.44%
442.16
-8.68%
484.19
-16.34%
578.75
Capital Lease Obligations
73.96
-6.00%
78.69
-3.94%
81.92
-2.17%
83.74
Net Tangible Assets
339.43
-19.61%
422.23
+4.00%
405.99
+11.98%
362.57
Tangible Book Value
339.43
-19.61%
422.23
+4.00%
405.99
+11.98%
362.57
Cash Cash Equivalents And Federal Funds Sold
29.37
+201.89%
9.73
-17.81%
11.84
-28.28%
16.51
Line Item Trend 2026-03-31 2025-03-31 2024-03-31 2023-03-31
Operating Cash Flow
259.36
+2.04%
254.16
-4.37%
265.78
-8.84%
291.55
Cash Flow From Continuing Operating Activities
259.36
+2.04%
254.16
-4.37%
265.78
-8.84%
291.55
Net Income From Continuing Operations
34.59
-61.24%
89.24
+15.83%
77.05
+262.88%
21.23
Depreciation Amortization Depletion
8.99
-11.33%
10.13
-6.92%
10.89
-0.20%
10.91
Depreciation
5.80
-8.27%
6.33
-5.15%
6.67
+3.49%
6.44
Amortization Cash Flow
3.19
-16.39%
3.81
-9.72%
4.22
-5.52%
4.47
Depreciation And Amortization
8.99
-11.33%
10.13
-6.92%
10.89
-0.20%
10.91
Amortization Of Intangibles
3.19
-16.39%
3.81
-9.72%
4.22
-5.52%
4.47
Other Non Cash Items
-0.88
-137.04%
2.38
+494.39%
0.40
-91.60%
4.76
Stock Based Compensation
19.34
+198.24%
-19.69
-1069.81%
-1.68
-118.59%
9.05
Deferred Tax
-7.09
-181.33%
-2.52
-123.70%
10.63
+605.86%
-2.10
Deferred Income Tax
-7.09
-181.33%
-2.52
-123.70%
10.63
+605.86%
-2.10
Operating Gains Losses
3.33
+419.01%
-1.04
+42.12%
-1.80
+69.00%
-5.81
Gain Loss On Sale Of PPE
-0.38
-527.34%
-0.06
-5.23%
-0.06
-582.39%
0.01
Change In Working Capital
-2.09
+70.36%
-7.04
-690.89%
-0.89
+95.85%
-21.48
Change In Payables And Accrued Expense
-5.54
+54.24%
-12.10
-488.55%
3.11
+141.60%
-7.48
Change In Payable
-5.54
+54.24%
-12.10
-488.55%
3.11
+141.60%
-7.48
Change In Account Payable
-5.54
+54.24%
-12.10
-488.55%
3.11
+141.60%
-7.48
Change In Other Working Capital
-2.64
-179.76%
3.31
+158.93%
-5.62
-15.93%
-4.85
Change In Other Current Assets
5.52
+416.47%
1.07
-12.30%
1.22
+113.31%
-9.15
Investing Cash Flow
-232.88
-52.46%
-152.75
-13.03%
-135.14
+25.17%
-180.58
Cash Flow From Continuing Investing Activities
-232.88
-52.46%
-152.75
-13.03%
-135.14
+25.17%
-180.58
Net PPE Purchase And Sale
-3.09
+1.40%
-3.13
+43.87%
-5.58
-5.37%
-5.30
Purchase Of PPE
-3.88
-5.39%
-3.68
+37.91%
-5.93
-1.80%
-5.83
Sale Of PPE
0.79
+44.05%
0.55
+57.13%
0.35
-33.90%
0.53
Capital Expenditure
-3.88
-5.39%
-3.68
+37.91%
-5.93
-1.80%
-5.83
Net Intangibles Purchase And Sale
—
—
—
—
Purchase Of Intangibles
—
—
—
—
Net Other Investing Changes
—
—
—
—
Financing Cash Flow
-6.83
+93.40%
-103.52
+23.50%
-135.32
-19.01%
-113.70
Cash Flow From Continuing Financing Activities
-6.83
+93.40%
-103.52
+23.50%
-135.32
-19.01%
-113.70
Net Issuance Payments Of Debt
136.49
+378.78%
-48.96
+50.31%
-98.53
-2.31%
-96.31
Issuance Of Debt
1,002.45
+140.63%
416.60
+36.28%
305.70
-2.60%
313.86
Repayment Of Debt
-865.96
-86.01%
-465.56
-15.17%
-404.24
+1.45%
-410.18
Long Term Debt Issuance
1,002.45
+140.63%
416.60
+36.28%
305.70
-2.60%
313.86
Long Term Debt Payments
-865.96
-86.01%
-465.56
-15.17%
-404.24
+1.45%
-410.18
Net Long Term Debt Issuance
136.49
+378.78%
-48.96
+50.31%
-98.53
-2.31%
-96.31
Net Common Stock Issuance
-132.42
-144.34%
-54.20
-49.69%
-36.20
-152.93%
-14.31
Common Stock Payments
-132.42
-144.34%
-54.20
-49.69%
-36.20
-152.93%
-14.31
Repurchase Of Capital Stock
-132.42
-144.34%
-54.20
-49.69%
-36.20
-152.93%
-14.31
Proceeds From Stock Option Exercised
2.74
+16.08%
2.36
-17.76%
2.87
+337.91%
0.65
Net Other Financing Charges
-13.63
-400.07%
-2.73
+20.82%
-3.44
+7.54%
-3.72
Changes In Cash
19.64
+1031.38%
-2.11
+54.83%
-4.67
-71.21%
-2.73
Beginning Cash Position
9.73
-17.81%
11.84
-28.28%
16.51
-14.18%
19.24
End Cash Position
29.37
+201.89%
9.73
-17.81%
11.84
-28.28%
16.51
Free Cash Flow
255.48
+1.99%
250.48
-3.61%
259.85
-9.06%
285.73
Interest Paid Supplemental Data
47.40
+6.06%
44.69
-8.49%
48.84
-5.65%
51.76
Income Tax Paid Supplemental Data
1.17
-68.08%
3.65
-59.18%
8.95
-16.98%
10.78
SEC Filings

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

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