WORLD ACCEPTANCE CORP WRLD

Financials SIC 6141 - Personal Credit Institutions NAICS Finance and Insurance › Credit Intermediation and Related Activities › Nondepository Credit Intermediation › Other Nondepository Credit Intermediation › Consumer Lending derived Nasdaq

General. The Company, which has continuously operated since July 1962, is one of the nation's largest small-loan consumer finance companies, offering short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. The Company offers traditional installment loans generally between $400 and $5,300, with the average loan origination being $2,015 in fiscal 2026. The Company operates 1,009 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Texas, Tennessee, Utah, and Wisconsin as of March 31, 2026. The Company generally serves individuals with limited access to other sources of consumer credit such as banks, credit unions, other consumer finance businesses and credit card lenders. The Company also offers income tax return preparation services to its loan customers and other individuals.

Last close 167.04 2026-10-23
Market cap $778.9M 2026-06-30 share count
52-week range 110.00 - 227.68

Valuation FY2026 figures against the last close

P/S—
P/E—
P/FCF—
EV/EBITDA—
Dividend yield—
Diluted EPS—

Annual financial statements

Income statement

Fiscal year FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Revenue —$585.2M$564.2M$572.8M$616.5M$585.2M$528.0M$590.0M$544.5M$502.7M
SG&A —$301.9M$240.9M$268.6M$279.5M$300.0M$304.6M$347.5M$288.3M$269.1M
Total operating expenses —$539.9M$452.9M$473.8M$589.4M$519.6M$416.6M$555.1M$454.7M$405.8M
Interest expense —$49.4M$42.7M$48.2M$50.5M$33.4M$25.7M$25.9M$17.9M$19.1M
Pre-tax income —$45.2M$111.3M$99.0M$27.1M$65.6M$111.4M$34.9M$89.9M$96.9M
Income tax —$10.7M$22.1M$22.0M$5.9M$11.7M$23.1M$6.8M$16.0M$47.8M
Net income —$34.6M$89.2M$77.0M$21.2M$53.9M$88.3M$28.2M$37.2M$53.7M
EPS, basic —7.0016.4513.403.698.8813.593.664.146.11
EPS, diluted —6.8816.2113.143.608.4713.233.544.055.99
Shares, diluted (wtd. avg.) —5.0M5.5M5.9M5.9M6.4M6.7M8.0M9.2M9.0M

Balance sheet

Fiscal year FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Cash and equivalents —$6.1M$4.7M$5.2M$16.5M$19.2M$15.7M$11.6M$9.3M$12.5M
Property, plant and equipment —$17.4M$19.8M$22.9M$23.9M$24.5M$25.3M$24.8M$25.4M$22.8M
Goodwill —$7.4M$7.4M$7.4M$7.4M$7.4M$7.4M$7.4M$7.0M$7.0M
Other intangibles —$4.2M$7.4M$11.1M$15.3M$19.8M$23.5M$24.4M$15.3M$6.6M
Total assets —$1.05B$1.01B$1.06B$1.12B$1.22B$954.3M$1.03B$855.0M$841.0M
Long-term debt —$587.2M$447.9M$498.4M$598.8M$697.0M$405.0M$451.1M$251.9M$244.9M
Total liabilities —$703.1M$571.5M$631.9M$732.1M$845.3M$549.3M$618.1M$302.9M$299.9M
Retained earnings —$71.6M$170.6M$138.0M$97.2M$92.1M$149.3M$184.7M$354.0M$391.3M
Total equity —$351.0M$437.0M$422.4M$383.5M$373.0M$404.9M$412.0M$552.1M$541.1M

Cash flow

Fiscal year FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Operating cash flow —$259.4M$254.2M$265.8M$291.6M$272.4M$227.0M$281.0M$244.7M$218.0M
Depreciation and amortisation —$5.8M$6.3M$6.7M$6.2M$6.3M$6.5M$6.8M$6.6M$7.3M
Stock-based compensation ——-$19.7M-$1.7M$9.1M$17.6M$19.3M$29.0M$17.6M$5.4M
Capital expenditure —$3.9M$3.7M$5.9M$5.8M$6.1M$11.7M$11.3M$9.8M$9.2M
Investing cash flow —-$232.9M-$152.8M-$135.1M-$180.6M-$451.9M-$82.0M-$279.1M-$207.0M-$169.8M
Financing cash flow —-$6.8M-$103.5M-$135.3M-$113.7M$182.9M-$140.8M$394.5K-$63.1M-$31.5M
Buybacks —$132.4M$54.2M$36.2M$14.3M$111.1M$102.5M$197.4M$74.5M$4.6M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000108385-26-000017.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 200M 400M 600M 800M Revenue, FY2017: 502.7M Net income, FY2017: 53.7M Revenue, FY2018: 544.5M Net income, FY2018: 37.2M Revenue, FY2019: 590M Net income, FY2019: 28.2M Revenue, FY2020: 528M Net income, FY2020: 88.3M Revenue, FY2021: 585.2M Net income, FY2021: 53.9M Revenue, FY2022: 616.5M Net income, FY2022: 21.2M Revenue, FY2023: 572.8M Net income, FY2023: 77M Revenue, FY2024: 564.2M Net income, FY2024: 89.2M Revenue, FY2025: 585.2M Net income, FY2025: 34.6M FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 FY2026
Fiscal year FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Revenue $502.7M $544.5M $590.0M $528.0M $585.2M $616.5M $572.8M $564.2M $585.2M —
Gross profit — — — — — — — — — —
Net income $53.7M $37.2M $28.2M $88.3M $53.9M $21.2M $77.0M $89.2M $34.6M —

Recent filings and events

  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Material agreement signed Item 1.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Officer or director change Item 5.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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