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World Acceptance (WRLD) Financials

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$143.45 +0.66 (+0.46%)
Closing price 05/23/2025 04:00 PM Eastern
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$143.70 +0.25 (+0.17%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for World Acceptance

Annual Income Statements for World Acceptance

This table shows World Acceptance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 3/31/2024 3/31/2023 3/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 77 21 54
Consolidated Net Income / (Loss)		 77 21 54
Net Income / (Loss) Continuing Operations		 77 21 54
Total Pre-Tax Income 		99 27 66
Total Revenue		 525 566 552
Net Interest Income / (Expense)		 420 458 452
Total Interest Income		 469 508 486
Loans and Leases Interest Income		 469 508 486
Total Interest Expense		 48 50 33
Long-Term Debt Interest Expense		 48 50 33
Total Non-Interest Income		 105 108 100
Provision for Credit Losses		 157 259 186
Total Non-Interest Expense		 269 279 300
Salaries and Employee Benefits		 164 178 183
Net Occupancy & Equipment Expense		 50 52 52
Marketing Expense		 9.93 6.10 18
Other Operating Expenses		 40 39 42
Amortization Expense		 4.22 4.47 5.01
Income Tax Expense		 22 5.91 12
Basic Earnings per Share		 $13.45 $3.69 $8.88
Weighted Average Basic Shares Outstanding		 5.75M 5.75M 6.07M
Diluted Earnings per Share		 $13.19 $3.60 $8.47
Weighted Average Diluted Shares Outstanding		 5.86M 5.90M 6.36M
Weighted Average Basic & Diluted Shares Outstanding		 5.84M 6.24M 6.28M

Quarterly Income Statements for World Acceptance

This table shows World Acceptance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022 3/31/2022 12/31/2021
Net Income / (Loss) Attributable to Common Shareholders		 13 35 17 16 9.54 25 5.80 -0.64 -8.57 18 7.33
Consolidated Net Income / (Loss)		 13 35 17 16 9.54 25 5.80 -0.64 -8.57 18 7.33
Net Income / (Loss) Continuing Operations		 13 35 17 16 9.54 25 5.80 -0.64 -8.57 18 7.33
Total Pre-Tax Income 		16 46 20 21 12 30 7.90 -0.09 -11 23 7.72
Total Revenue		 127 155 126 124 127 149 132 138 147 148 149
Net Interest Income / (Expense)		 111 108 107 104 104 109 112 117 119 237 0.00
Total Interest Income		 122 122 119 117 117 121 126 130 130 258 0.00
Loans and Leases Interest Income		 122 122 119 117 117 121 126 130 130 - -
Total Interest Expense		 11 14 12 13 12 12 14 13 11 21 0.00
Long-Term Debt Interest Expense		 11 14 12 13 12 12 14 13 11 - -
Total Non-Interest Income		 16 47 19 20 23 39 20 21 28 -89 149
Provision for Credit Losses		 44 30 41 40 47 45 60 69 86 - -
Total Non-Interest Expense		 67 78 66 63 68 73 65 70 72 11 141
Salaries and Employee Benefits		 41 49 40 38 42 47 41 45 45 47 44
Net Occupancy & Equipment Expense		 12 13 12 12 13 12 13 13 13 13 13
Marketing Expense		 4.45 2.31 3.72 2.24 2.75 1.55 1.32 1.01 2.21 2.40 6.85
Other Operating Expenses		 8.47 13 9.16 8.78 9.89 12 8.88 8.79 9.90 -53 76
Amortization Expense		 0.94 1.10 1.05 1.06 1.07 1.11 1.11 1.11 1.13 1.27 1.28
Income Tax Expense		 2.62 11 2.85 4.84 2.82 5.43 2.10 0.55 -2.16 4.86 0.39
Basic Earnings per Share		 $2.46 $5.96 $2.89 $2.78 $1.65 $4.28 $1.01 ($0.11) ($1.49) $3.08 $1.20
Weighted Average Basic Shares Outstanding		 5.44M 5.75M 5.77M 5.78M 5.77M 5.75M 5.76M 5.73M 5.74M 6.07M 6.12M
Diluted Earnings per Share		 $2.45 $5.85 $2.84 $2.71 $1.62 $4.21 $0.99 ($0.11) ($1.49) $2.95 $1.14
Weighted Average Diluted Shares Outstanding		 5.46M 5.86M 5.86M 5.94M 5.89M 5.90M 5.86M 5.73M 5.74M 6.36M 6.40M
Weighted Average Basic & Diluted Shares Outstanding		 5.75M 5.84M 6.08M 5.75M 5.85M 6.24M 6.23M 6.26M 6.28M 6.28M 6.55M

Annual Cash Flow Statements for World Acceptance

This table details how cash moves in and out of World Acceptance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 3/31/2024 3/31/2023 3/31/2022
Net Change in Cash & Equivalents		 -4.67 -2.73 3.49
Net Cash From Operating Activities		 266 292 272
Net Cash From Continuing Operating Activities		 266 292 272
Net Income / (Loss) Continuing Operations		 77 21 54
Consolidated Net Income / (Loss)		 77 21 54
Provision For Loan Losses		 157 259 186
Depreciation Expense		 6.67 6.24 10
Amortization Expense		 20 22 23
Non-Cash Adjustments to Reconcile Net Income		 7.10 1.14 3.13
Changes in Operating Assets and Liabilities, net		 -2.43 -18 -4.42
Net Cash From Investing Activities		 -135 -181 -452
Net Cash From Continuing Investing Activities		 -135 -181 -452
Purchase of Property, Leasehold Improvements and Equipment		 -5.93 -5.83 -6.07
Purchase of Investment Securities		 -130 -175 -447
Sale of Property, Leasehold Improvements and Equipment		 0.35 0.53 1.35
Net Cash From Financing Activities		 -135 -114 183
Net Cash From Continuing Financing Activities		 -135 -114 183
Issuance of Debt		 306 314 815
Repayment of Debt		 -405 -411 -529
Repurchase of Common Equity		 -36 -14 -111
Other Financing Activities, Net		 0.04 -1.89 7.73
Cash Interest Paid		 49 52 21
Cash Income Taxes Paid		 8.95 11 31

Quarterly Cash Flow Statements for World Acceptance

This table details how cash moves in and out of World Acceptance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2024 12/31/2023 9/30/2023 6/30/2024 3/31/2023 12/31/2022 9/30/2022 6/30/2022 3/31/2022 12/31/2021
Net Change in Cash & Equivalents		 -0.94 -6.01 2.80 -0.72 -4.45 0.27 7.39 -5.93 0.57 1.78
Net Cash From Operating Activities		 84 59 63 48 86 69 78 58 105 60
Net Cash From Continuing Operating Activities		 84 59 63 48 86 69 78 58 105 60
Net Income / (Loss) Continuing Operations		 35 17 16 9.95 25 5.80 -0.64 -8.57 18 7.33
Consolidated Net Income / (Loss)		 35 17 16 9.95 25 5.80 -0.64 -8.57 18 7.33
Provision For Loan Losses		 29 41 40 45 45 60 69 86 57 56
Depreciation Expense		 1.73 1.71 1.66 1.64 1.59 1.63 1.51 1.51 2.51 2.57
Amortization Expense		 5.32 5.07 4.99 4.71 4.94 5.72 5.18 6.02 6.79 6.15
Non-Cash Adjustments to Reconcile Net Income		 6.08 3.73 -2.13 -3.41 3.36 5.66 -1.73 -6.15 15 -12
Changes in Operating Assets and Liabilities, net		 6.35 -8.92 2.30 -9.89 5.85 -9.21 5.55 -20 4.60 -0.33
Net Cash From Investing Activities		 22 -70 -36 -36 35 -41 -40 -134 -17 -187
Net Cash From Continuing Investing Activities		 22 -70 -36 -36 35 -41 -40 -134 -17 -187
Purchase of Property, Leasehold Improvements and Equipment		 -1.51 -1.22 -1.54 -1.08 -1.31 -1.39 -1.78 -1.35 -1.59 -1.10
Purchase of Investment Securities		 24 -69 -35 -35 37 -40 -38 -133 -15 -186
Sale of Property, Leasehold Improvements and Equipment		 0.04 0.05 0.10 0.16 0.18 0.07 - 0.28 0.06 0.03
Net Cash From Financing Activities		 -107 5.14 -25 -13 -126 -28 -31 70 -88 128
Net Cash From Continuing Financing Activities		 -107 5.14 -25 -13 -126 -28 -31 70 -88 128
Issuance of Debt		 91 91 58 94 62 69 55 128 108 168
Repayment of Debt		 -179 -67 -83 -97 -188 -94 -85 -44 -136 -19
Repurchase of Common Equity		 -19 -17 - -11 -0.00 - - -14 -61 -19
Other Financing Activities, Net		 0.85 -1.88 0.36 0.56 0.17 -2.46 - 0.40 1.09 -1.89
Cash Interest Paid		 7.60 17 7.23 15 8.93 18 6.81 18 5.30 4.77
Cash Income Taxes Paid		 1.23 0.56 4.71 0.95 0.01 - 6.77 4.01 4.06 7.68

Annual Balance Sheets for World Acceptance

This table presents World Acceptance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 3/31/2024 3/31/2023 3/31/2022
Total Assets		 1,056 1,117 1,218
Cash and Due from Banks		 12 17 19
Loans and Leases, Net of Allowance		 -103 1,264 1,389
Allowance for Loan and Lease Losses		 103 126 134
Premises and Equipment, Net		 23 24 24
Goodwill		 7.37 7.37 7.37
Intangible Assets		 11 15 20
Other Assets		 1,106 -210 -241
Total Liabilities & Shareholders' Equity		 1,056 1,117 1,218
Total Liabilities		 632 732 845
Other Short-Term Payables		 54 51 58
Long-Term Debt		 496 595 692
Other Long-Term Liabilities		 82 86 95
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 424 385 373
Total Preferred & Common Equity		 424 385 373
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 424 385 373
Common Stock		 286 288 281
Retained Earnings		 138 97 92

Quarterly Balance Sheets for World Acceptance

This table presents World Acceptance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 12/31/2024 12/31/2023 9/30/2024 6/30/2024 12/31/2022 9/30/2022 6/30/2022 12/31/2021
Total Assets		 1,111 1,120 1,049 1,048 1,217 1,247 1,279 1,270
Cash and Due from Banks		 16 13 9.75 11 21 21 13 19
Loans and Leases, Net of Allowance		 -116 -121 -114 -110 -145 -156 -156 -133
Allowance for Loan and Lease Losses		 116 121 114 110 145 156 156 133
Premises and Equipment, Net		 21 23 21 22 24 25 24 25
Goodwill		 7.37 7.37 7.37 7.37 7.37 7.37 7.37 7.37
Intangible Assets		 8.30 12 9.11 10 16 18 19 21
Other Assets		 1,175 1,185 1,116 1,107 1,292 1,333 1,371 1,332
Total Liabilities & Shareholders' Equity		 1,111 1,120 1,049 1,048 1,217 1,247 1,279 1,270
Total Liabilities		 682 713 632 626 857 891 925 861
Other Short-Term Payables		 41 45 44 50 49 55 53 51
Long-Term Debt		 560 585 505 493 723 747 777 720
Other Long-Term Liabilities		 81 82 83 83 86 89 95 89
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 428 407 417 423 360 357 354 409
Total Preferred & Common Equity		 428 407 417 423 360 357 354 409
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 428 407 417 423 360 357 354 409
Common Stock		 267 285 269 286 286 289 285 275
Retained Earnings		 161 122 149 137 73 68 69 134

Annual Metrics And Ratios for World Acceptance

This table displays calculated financial ratios and metrics derived from World Acceptance's official financial filings.

Metric 2024 2023 2022
Period end date 3/31/2024 3/31/2023 3/31/2022
Growth Metrics		 - - -
Revenue Growth		 -7.26% 2.60% 9.85%
EBITDA Growth		 128.47% -44.31% -30.79%
EBIT Growth		 266.20% -58.61% -41.13%
NOPAT Growth		 264.29% -60.62% -38.92%
Net Income Growth		 264.29% -60.62% -38.92%
EPS Growth		 266.39% -57.50% -35.98%
Operating Cash Flow Growth		 -8.84% 7.01% 20.05%
Free Cash Flow Firm Growth		 29.44% 152.66% -242.52%
Invested Capital Growth		 -6.12% -7.97% 31.54%
Revenue Q/Q Growth		 1.19% 0.13% 1.12%
EBITDA Q/Q Growth		 15.04% -85.43% -54.85%
EBIT Q/Q Growth		 19.15% -92.21% -62.86%
NOPAT Q/Q Growth		 14.88% 41.71% -32.95%
Net Income Q/Q Growth		 14.88% 41.71% -32.95%
EPS Q/Q Growth		 14.20% 53.85% -31.14%
Operating Cash Flow Q/Q Growth		 -0.70% -6.23% 3.61%
Free Cash Flow Firm Q/Q Growth		 -12.76% 69.71% -33.61%
Invested Capital Q/Q Growth		 -7.21% -9.40% -5.69%
Profitability Metrics		 - - -
EBITDA Margin		 24.04% 9.76% 17.98%
EBIT Margin		 18.94% 4.80% 11.89%
Profit (Net Income) Margin		 14.73% 3.75% 9.77%
Tax Burden Percent		 77.81% 78.21% 82.22%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 22.19% 21.79% 17.78%
Return on Invested Capital (ROIC)		 8.14% 2.08% 5.75%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.14% 2.08% 5.75%
Return on Net Nonoperating Assets (RNNOA)		 10.97% 3.52% 8.11%
Return on Equity (ROE)		 19.11% 5.60% 13.86%
Cash Return on Invested Capital (CROIC)		 14.45% 10.38% -21.49%
Operating Return on Assets (OROA)		 9.15% 2.32% 6.04%
Return on Assets (ROA)		 7.12% 1.82% 4.96%
Return on Common Equity (ROCE)		 19.11% 5.60% 13.86%
Return on Equity Simple (ROE_SIMPLE)		 18.22% 5.51% 14.45%
Net Operating Profit after Tax (NOPAT)		 77 21 54
NOPAT Margin		 14.73% 3.75% 9.77%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.70% 41.67% 45.93%
Operating Expenses to Revenue		 51.16% 49.37% 54.37%
Earnings before Interest and Taxes (EBIT)		 99 27 66
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 126 55 99
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 2.08 1.35 3.37
Price to Tangible Book Value (P/TBV)		 2.17 1.43 3.63
Price to Revenue (P/Rev)		 1.68 0.92 2.28
Price to Earnings (P/E)		 11.40 24.43 23.29
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 8.77% 4.09% 4.29%
Enterprise Value to Invested Capital (EV/IC)		 1.48 1.12 1.81
Enterprise Value to Revenue (EV/Rev)		 2.60 1.94 3.50
Enterprise Value to EBITDA (EV/EBITDA)		 10.82 19.87 19.45
Enterprise Value to EBIT (EV/EBIT)		 13.74 40.43 29.41
Enterprise Value to NOPAT (EV/NOPAT)		 17.66 51.69 35.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.14 3.76 7.08
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.94 10.34 0.00
Leverage & Solvency		 - - -
Debt to Equity		 1.17 1.55 1.86
Long-Term Debt to Equity		 1.17 1.55 1.86
Financial Leverage		 1.35 1.70 1.41
Leverage Ratio		 2.68 3.08 2.79
Compound Leverage Factor		 2.68 3.08 2.79
Debt to Total Capital		 53.89% 60.71% 64.99%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 53.89% 60.71% 64.99%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 46.11% 39.29% 35.01%
Debt to EBITDA		 3.93 10.78 6.98
Net Debt to EBITDA		 3.84 10.48 6.79
Long-Term Debt to EBITDA		 3.93 10.78 6.98
Debt to NOPAT		 6.41 28.04 12.84
Net Debt to NOPAT		 6.26 27.26 12.48
Long-Term Debt to NOPAT		 6.41 28.04 12.84
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 137 106 -202
Operating Cash Flow to CapEx		 4,760.95% 5,503.10% 5,772.68%
Free Cash Flow to Firm to Interest Expense		 2.85 2.10 -6.03
Operating Cash Flow to Interest Expense		 5.51 5.78 8.15
Operating Cash Flow Less CapEx to Interest Expense		 5.39 5.67 8.01
Efficiency Ratios		 - - -
Asset Turnover		 0.48 0.48 0.51
Fixed Asset Turnover		 22.42 23.39 22.16
Capital & Investment Metrics		 - - -
Invested Capital		 920 980 1,065
Invested Capital Turnover		 0.55 0.55 0.59
Increase / (Decrease) in Invested Capital		 -60 -85 255
Enterprise Value (EV)		 1,366 1,098 1,929
Market Capitalization		 882 519 1,256
Book Value per Share		 $69.80 $61.85 $56.98
Tangible Book Value per Share		 $66.77 $58.21 $52.84
Total Capital		 920 980 1,065
Total Debt		 496 595 692
Total Long-Term Debt		 496 595 692
Net Debt		 484 579 673
Capital Expenditures (CapEx)		 5.58 5.30 4.72
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 496 595 692
Total Depreciation and Amortization (D&A)		 27 28 34
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $13.45 $0.00 $8.88
Adjusted Weighted Average Basic Shares Outstanding		 5.75M 0.00 6.07M
Adjusted Diluted Earnings per Share		 $13.19 $0.00 $8.47
Adjusted Weighted Average Diluted Shares Outstanding		 5.86M 0.00 6.36M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.84M 0.00 6.28M
Normalized Net Operating Profit after Tax (NOPAT)		 77 21 54
Normalized NOPAT Margin		 14.73% 3.75% 9.77%
Pre Tax Income Margin		 18.94% 4.80% 11.89%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 2.06 0.54 1.96
NOPAT to Interest Expense		 1.60 0.42 1.61
EBIT Less CapEx to Interest Expense		 1.95 0.43 1.82
NOPAT Less CapEx to Interest Expense		 1.49 0.32 1.47
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 46.81% 67.42% 206.12%

Quarterly Metrics And Ratios for World Acceptance

This table displays calculated financial ratios and metrics derived from World Acceptance's official financial filings.

Metric Q3 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2024 3/31/2023 12/31/2022 9/30/2022 6/30/2022 3/31/2022 12/31/2021
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.01% 4.16% -4.83% -10.05% -18.39% 0.50% -10.84% 5.42% 18.19% 4.32% 20.16%
EBITDA Growth		 -35.53% 45.09% 72.38% 318.15% 702.15% -75.01% -7.16% -68.51% -110.92% 95.05% -27.67%
EBIT Growth		 -17.96% 53.16% 147.01% 23,689.21% 220.49% -78.08% 2.38% -100.63% -152.23% 143.61% -54.36%
NOPAT Growth		 -19.66% 40.68% 187.10% 26,004.41% 232.45% 34.00% -20.78% -100.50% -147.62% -59.05% -49.44%
Net Income Growth		 -19.66% 40.68% 187.10% 2,622.42% 216.12% 34.00% -20.78% -105.13% -154.32% -59.05% -49.44%
EPS Growth		 -13.73% 38.95% 186.87% 2,563.64% 220.13% 42.71% -13.16% -105.67% -161.07% -56.49% -49.33%
Operating Cash Flow Growth		 0.00% -2.18% -14.93% -19.27% 2.66% -18.43% 14.58% 35.27% 18.77% 9.94% 17.98%
Free Cash Flow Firm Growth		 -83.72% -13.56% 100.16% 273.18% 185.03% 146.20% 123.83% 38.53% -133.00% -341.88% -343.63%
Invested Capital Growth		 -0.40% -6.12% -8.33% -16.39% -19.08% -7.97% -4.21% 11.49% 29.55% 31.54% 25.74%
Revenue Q/Q Growth		 0.00% 22.82% 1.39% -2.16% -19.44% 12.22% -4.17% -5.80% -0.79% -0.44% 13.32%
EBITDA Q/Q Growth		 0.00% 101.92% -4.62% 43.17% -47.38% 139.90% 131.37% 306.17% -102.18% 791.40% -21.53%
EBIT Q/Q Growth		 0.00% 135.89% -6.71% 61.84% -57.00% 280.45% 9,009.18% 99.17% -107.82% 1,676.93% -45.19%
NOPAT Q/Q Growth		 0.00% 107.93% 3.62% 61.67% -59.61% 324.34% 9,449.61% 99.17% -140.86% 150.89% -41.10%
Net Income Q/Q Growth		 0.00% 107.93% 3.62% 68.60% -59.61% 324.34% 1,010.41% 92.56% -146.60% 150.89% -41.10%
EPS Q/Q Growth		 0.00% 105.99% 4.80% 67.28% -57.48% 325.25% 1,000.00% 92.62% -150.51% 158.77% -41.24%
Operating Cash Flow Q/Q Growth		 0.00% 42.34% -7.06% 30.88% -30.29% 23.79% -11.80% 34.90% -44.61% 73.89% 4.12%
Free Cash Flow Firm Q/Q Growth		 0.00% -11.35% -45.77% -12.76% 106.11% 105.27% 146.92% 57.17% -11.99% -5.87% -21.05%
Invested Capital Q/Q Growth		 0.00% -7.21% 7.55% 0.77% -6.64% -9.40% -1.91% -2.47% 6.17% -5.69% 14.16%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 13.31% 34.29% 20.86% 22.17% 16.08% 24.61% 11.51% 4.77% -2.18% 99.00% 11.06%
EBIT Margin		 12.57% 29.74% 15.48% 16.83% 10.79% 20.22% 5.97% -0.06% -7.31% 92.71% 5.19%
Profit (Net Income) Margin		 10.51% 22.38% 13.22% 12.94% 8.31% 16.57% 4.38% -0.46% -5.84% 12.43% 4.93%
Tax Burden Percent		 83.61% 75.26% 85.38% 76.87% 76.95% 81.94% 73.46% 718.88% 79.85% 79.10% 94.93%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 16.95% 100.00%
Effective Tax Rate		 16.39% 24.74% 14.62% 23.13% 23.05% 18.06% 26.54% 0.00% 0.00% 20.90% 5.07%
Return on Invested Capital (ROIC)		 0.00% 12.36% 6.71% 6.71% 4.38% 9.17% 2.24% -0.03% -2.93% 7.31% 2.65%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 12.36% 6.71% 6.71% 4.38% 9.17% 2.24% -0.11% -3.10% 7.31% 2.65%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 16.66% 11.44% 10.85% 7.15% 15.57% 4.20% -0.19% -5.08% 10.32% 4.35%
Return on Equity (ROE)		 0.00% 29.02% 18.14% 17.55% 11.53% 24.74% 6.44% -0.22% -8.02% 17.63% 7.00%
Cash Return on Invested Capital (CROIC)		 0.00% 14.45% 15.14% 23.43% 24.98% 10.38% 5.65% -9.28% -22.79% -21.49% -14.87%
Operating Return on Assets (OROA)		 0.00% 14.36% 6.97% 7.70% 5.00% 9.80% 2.71% -0.03% -3.65% 47.09% 2.46%
Return on Assets (ROA)		 0.00% 10.81% 5.95% 5.92% 3.85% 8.03% 1.99% -0.22% -2.91% 6.31% 2.34%
Return on Common Equity (ROCE)		 0.00% 29.02% 18.14% 17.55% 11.53% 24.74% 6.44% -0.22% -8.02% 17.63% 7.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 16.44% 13.53% 9.40% 0.00% 4.17% 4.63% 8.35% 0.00% 19.64%
Net Operating Profit after Tax (NOPAT)		 13 35 17 16 9.95 25 5.80 -0.06 -7.51 18 7.33
NOPAT Margin		 10.51% 22.38% 13.22% 12.94% 8.31% 16.57% 4.38% -0.04% -5.12% 12.43% 4.93%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.09% 0.17% 0.00% 0.00%
SG&A Expenses to Revenue		 45.40% 41.70% 44.19% 42.71% 42.42% 40.71% 41.49% 43.26% 41.31% 41.93% 42.97%
Operating Expenses to Revenue		 52.79% 50.59% 52.28% 50.63% 51.28% 49.23% 49.03% 50.42% 48.83% 7.29% 94.81%
Earnings before Interest and Taxes (EBIT)		 16 46 20 21 13 30 7.90 -0.09 -11 137 7.72
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 17 53 26 28 19 37 15 6.59 -3.20 146 16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.51 2.08 2.00 1.90 1.71 1.35 1.15 1.71 1.99 3.37 4.02
Price to Tangible Book Value (P/TBV)		 1.57 2.17 2.10 1.98 1.78 1.43 1.23 1.83 2.15 3.63 4.32
Price to Revenue (P/Rev)		 0.00 1.68 1.54 1.51 1.34 0.92 0.73 1.05 1.23 2.28 3.01
Price to Earnings (P/E)		 0.00 11.40 12.14 14.05 18.17 24.43 27.54 36.85 23.82 23.29 20.45
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 8.77% 8.24% 7.12% 5.50% 4.09% 3.63% 2.71% 4.20% 4.29% 4.89%
Enterprise Value to Invested Capital (EV/IC)		 1.21 1.48 1.40 1.40 1.32 1.12 1.03 1.21 1.30 1.81 2.08
Enterprise Value to Revenue (EV/Rev)		 0.00 2.60 2.63 2.45 2.23 1.94 1.97 2.29 2.56 3.50 4.30
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 10.82 12.69 13.06 15.50 19.87 2.94 25.48 22.01 19.45 10.68
Enterprise Value to EBIT (EV/EBIT)		 0.00 13.74 16.71 17.94 23.70 40.43 3.20 66.25 42.80 29.41 13.29
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 17.66 20.69 22.82 30.29 51.69 74.36 80.84 49.64 35.77 29.17
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.82 5.14 5.17 4.63 4.11 3.76 3.58 4.42 5.21 7.08 8.92
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 9.94 8.82 5.43 4.71 10.34 17.82 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.31 1.17 1.44 1.21 1.17 1.55 2.01 2.09 2.19 1.86 1.76
Long-Term Debt to Equity		 1.31 1.17 1.44 1.21 1.17 1.55 2.01 2.09 2.19 1.86 1.76
Financial Leverage		 1.37 1.35 1.71 1.62 1.63 1.70 1.88 1.70 1.64 1.41 1.64
Leverage Ratio		 2.67 2.68 3.05 2.97 3.00 3.08 3.23 3.08 3.03 2.79 3.00
Compound Leverage Factor		 2.67 2.68 3.05 2.97 3.00 3.08 3.23 3.08 3.03 0.47 3.00
Debt to Total Capital		 56.66% 53.89% 58.97% 54.74% 53.83% 60.71% 66.77% 67.68% 68.69% 64.99% 63.76%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 56.66% 53.89% 58.97% 54.74% 53.83% 60.71% 66.77% 67.68% 68.69% 64.99% 63.76%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 43.34% 46.11% 41.03% 45.26% 46.17% 39.29% 33.23% 32.32% 31.31% 35.01% 36.24%
Debt to EBITDA		 0.00 3.93 5.36 5.12 6.34 10.78 1.91 14.26 11.65 6.98 3.28
Net Debt to EBITDA		 0.00 3.84 5.24 5.02 6.20 10.48 1.85 13.86 11.45 6.79 3.19
Long-Term Debt to EBITDA		 0.00 3.93 5.36 5.12 6.34 10.78 1.91 14.26 11.65 6.98 3.28
Debt to NOPAT		 0.00 6.41 8.74 8.94 12.40 28.04 48.22 45.24 26.27 12.84 8.96
Net Debt to NOPAT		 0.00 6.26 8.55 8.77 12.12 27.26 46.83 43.99 25.82 12.48 8.72
Long-Term Debt to NOPAT		 0.00 6.41 8.74 8.94 12.40 28.04 48.22 45.24 26.27 12.84 8.96
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 17 95 107 197 226 110 53 -114 -266 -237 -224
Operating Cash Flow to CapEx		 0.00% 5,696.54% 5,017.76% 4,384.72% 4,001.10% 7,582.49% 5,243.98% 4,411.73% 5,441.18% 6,866.58% 5,669.94%
Free Cash Flow to Firm to Interest Expense		 1.54 6.65 9.14 15.70 23.11 8.99 3.79 -8.73 -23.76 -11.18 0.00
Operating Cash Flow to Interest Expense		 0.00 5.89 5.04 5.05 6.11 7.03 4.92 6.02 5.21 4.95 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 5.79 4.94 4.94 5.96 6.94 4.83 5.89 5.11 4.88 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.48 0.45 0.46 0.46 0.48 0.45 0.49 0.50 0.51 0.47
Fixed Asset Turnover		 0.00 22.42 22.12 22.74 23.26 23.39 23.12 23.35 23.63 22.16 21.43
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 988 920 992 922 915 980 1,082 1,103 1,131 1,065 1,130
Invested Capital Turnover		 0.00 0.55 0.51 0.52 0.53 0.55 0.51 0.56 0.57 0.59 0.54
Increase / (Decrease) in Invested Capital		 -4.00 -60 -90 -181 -216 -85 -48 114 258 255 231
Enterprise Value (EV)		 1,191 1,366 1,385 1,288 1,204 1,098 1,114 1,334 1,468 1,929 2,346
Market Capitalization		 646 882 813 793 722 519 413 608 705 1,256 1,644
Book Value per Share		 $74.47 $69.80 $65.39 $66.88 $72.30 $61.85 $57.48 $56.77 $56.40 $56.98 $61.11
Tangible Book Value per Share		 $71.74 $66.77 $62.26 $64.24 $69.32 $58.21 $53.68 $52.80 $52.23 $52.84 $56.87
Total Capital		 988 920 992 922 915 980 1,082 1,103 1,131 1,065 1,130
Total Debt		 560 496 585 505 493 595 723 747 777 692 720
Total Long-Term Debt		 560 496 585 505 493 595 723 747 777 692 720
Net Debt		 544 484 572 495 482 579 702 726 764 673 702
Capital Expenditures (CapEx)		 0.00 1.47 1.17 1.45 1.49 1.13 1.32 1.78 1.07 1.53 1.07
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.58 1.06 0.00 0.00
Net Nonoperating Obligations (NNO)		 560 496 585 505 493 595 723 747 777 692 720
Total Depreciation and Amortization (D&A)		 0.94 7.05 6.77 6.64 6.33 6.53 7.35 6.68 7.53 9.30 8.71
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.46 $5.96 $2.89 $2.78 $1.82 $4.28 $1.00 ($0.24) ($1.53) $3.08 $1.20
Adjusted Weighted Average Basic Shares Outstanding		 5.44M 5.75M 5.77M 5.78M 5.48M 5.75M 5.76M 5.73M 5.74M 6.07M 6.12M
Adjusted Diluted Earnings per Share		 $2.45 $5.85 $2.84 $2.71 $1.79 $4.21 $0.98 ($0.24) ($1.53) $2.95 $1.14
Adjusted Weighted Average Diluted Shares Outstanding		 5.46M 5.86M 5.86M 5.94M 5.57M 5.90M 5.86M 5.73M 5.74M 6.36M 6.40M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.75M 5.84M 6.08M 5.75M 5.85M 6.24M 6.23M 6.26M 6.28M 6.28M 6.55M
Normalized Net Operating Profit after Tax (NOPAT)		 13 35 17 16 9.95 25 5.80 -0.06 -7.51 18 7.33
Normalized NOPAT Margin		 10.51% 22.38% 13.22% 12.94% 8.31% 16.57% 4.38% -0.04% -5.12% 12.43% 4.93%
Pre Tax Income Margin		 12.57% 29.74% 15.48% 16.83% 10.79% 20.22% 5.97% -0.06% -7.31% 15.71% 5.19%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.42 3.24 1.67 1.67 1.32 2.47 0.56 -0.01 -0.96 6.47 0.00
NOPAT to Interest Expense		 1.19 2.44 1.43 1.28 1.02 2.02 0.41 0.00 -0.67 0.87 0.00
EBIT Less CapEx to Interest Expense		 0.00 3.13 1.57 1.55 1.17 2.37 0.47 -0.14 -1.06 6.39 0.00
NOPAT Less CapEx to Interest Expense		 0.00 2.33 1.33 1.17 0.87 1.93 0.32 -0.14 -0.77 0.79 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 46.81% 25.84% 0.00% 0.00% 67.42% 500.53% 571.59% 352.81% 206.12% 79.66%

Frequently Asked Questions About World Acceptance's Financials

When does World Acceptance's financial year end?

According to the most recent income statement we have on file, World Acceptance's fiscal year ends in March. Their fiscal year 2024 ended on March 31, 2024.

How has World Acceptance's net income changed over the last 2 years?

World Acceptance's net income appears to be on an upward trend, with a most recent value of $77.35 million in 2024, rising from $53.92 million in 2022. The previous period was $21.23 million in 2023. Check out World Acceptance's forecast to explore projected trends and price targets.

How has World Acceptance revenue changed over the last 2 years?

Over the last 2 years, World Acceptance's total revenue changed from $551.76 million in 2022 to $524.98 million in 2024, a change of -4.9%.

How much debt does World Acceptance have?

World Acceptance's total liabilities were at $631.92 million at the end of 2024, a 13.7% decrease from 2023, and a 25.2% decrease since 2022.

How much cash does World Acceptance have?

In the past 2 years, World Acceptance's cash and equivalents has ranged from $11.84 million in 2024 to $19.24 million in 2022, and is currently $11.84 million as of their latest financial filing in 2024.

How has World Acceptance's book value per share changed over the last 2 years?

Over the last 2 years, World Acceptance's book value per share changed from 56.98 in 2022 to 69.80 in 2024, a change of 22.5%.


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This page (NASDAQ:WRLD) was last updated on 5/25/2025 by MarketBeat.com Staff
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