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World Acceptance (WRLD) Financials

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$169.50 -0.95 (-0.56%)
Closing price 04:00 PM Eastern
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$169.54 +0.04 (+0.02%)
As of 04:12 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 87 74 54 37 28 88 54 21 77 89 35
Consolidated Net Income / (Loss)		 87 74 54 37 28 88 54 21 77 89 35
Net Income / (Loss) Continuing Operations		 87 68 49 74 28 88 54 21 77 89 35
Total Pre-Tax Income 		138 106 97 90 35 111 66 27 99 111 45
Total Revenue		 557 469 484 527 564 502 552 566 573 564 585
Net Interest Income / (Expense)		 0.00 406 417 451 482 425 452 458 469 465 485
Total Interest Income		 0.00 428 436 469 508 451 486 508 469 465 485
Loans and Leases Interest Income		 - 428 436 469 508 451 486 508 469 465 485
Total Interest Expense		 0.00 22 19 18 26 26 33 50 0.00 0.00 0.00
Total Non-Interest Income		 557 63 67 75 82 77 100 108 104 99 100
Provision for Credit Losses		 124 119 118 148 182 86 186 259 157 169 189
Total Non-Interest Expense		 296 244 269 288 347 305 300 279 317 284 351
Salaries and Employee Benefits		 170 159 164 181 204 185 183 178 164 141 200
Net Occupancy & Equipment Expense		 44 38 39 49 54 56 52 52 50 49 48
Marketing Expense		 17 17 21 22 24 17 18 6.10 9.93 10 11
Other Operating Expenses		 65 31 43 35 60 41 42 39 88 79 89
Amortization Expense		 0.53 0.49 0.99 1.53 5.01 5.47 5.01 4.47 4.22 3.81 3.19
Income Tax Expense		 50 38 48 16 6.75 23 12 5.91 22 22 11
Basic Earnings per Share		 $10.12 $8.45 $6.11 $4.14 $3.66 $13.59 $8.88 $3.69 $13.40 $16.45 $7.00
Weighted Average Basic Shares Outstanding		 8.64M 8.71M 8.79M 8.99M 7.69M 6.49M 6.07M 5.75M 5.75M 5.43M 4.94M
Diluted Earnings per Share		 $10.05 $8.38 $5.99 $4.05 $3.54 $13.23 $8.47 $3.60 $13.14 $16.21 $6.88
Weighted Average Diluted Shares Outstanding		 8.69M 8.78M 8.96M 9.20M 7.95M 6.67M 6.36M 5.90M 5.86M 5.51M 5.03M
Weighted Average Basic & Diluted Shares Outstanding		 8.60M 8.70M 8.80M 9M 7.51M 6.78M 6.28M 6.24M 5.84M 5.31M 4.64M

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 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 16 17 35 9.95 22 13 44 1.34 -1.95 -0.91 36
Consolidated Net Income / (Loss)		 16 17 35 9.95 22 13 44 1.34 -1.95 -0.91 36
Net Income / (Loss) Continuing Operations		 16 17 35 9.95 22 13 44 1.34 -1.95 -0.91 36
Total Pre-Tax Income 		21 20 46 13 28 16 54 1.95 -1.69 -1.01 46
Total Revenue		 124 126 155 120 121 127 196 123 120 128 214
Net Interest Income / (Expense)		 104 107 108 101 103 111 149 106 105 113 161
Total Interest Income		 117 119 122 111 114 122 118 115 119 126 125
Loans and Leases Interest Income		 117 119 122 111 114 122 118 115 119 126 125
Total Interest Expense		 13 12 14 9.77 10 11 -32 9.63 14 13 -37
Total Non-Interest Income		 20 19 47 18 18 16 47 17 16 15 52
Provision for Credit Losses		 40 41 30 45 47 44 33 51 50 51 37
Total Non-Interest Expense		 63 66 78 61 46 67 109 70 72 78 131
Salaries and Employee Benefits		 38 40 49 37 22 41 41 46 48 51 55
Net Occupancy & Equipment Expense		 12 12 13 12 12 12 12 12 12 12 12
Marketing Expense		 2.24 3.72 2.31 1.66 2.82 4.45 1.30 2.30 2.17 3.76 2.36
Other Operating Expenses		 8.78 9.16 13 9.61 8.48 8.47 53 9.68 9.18 9.76 61
Amortization Expense		 1.06 1.05 1.10 1.01 0.96 0.94 0.91 0.83 0.81 0.78 0.77
Income Tax Expense		 4.84 2.85 11 2.98 5.80 2.62 11 0.60 0.26 -0.10 9.90
Basic Earnings per Share		 $2.78 $2.89 $5.96 $1.82 $4.05 $2.46 $8.12 $0.26 ($0.38) ($0.19) $7.31
Weighted Average Basic Shares Outstanding		 5.78M 5.77M 5.75M 5.48M 5.47M 5.44M 5.43M 5.22M 5.09M 4.76M 4.94M
Diluted Earnings per Share		 $2.71 $2.84 $5.85 $1.79 $3.99 $2.45 $7.98 $0.25 ($0.38) ($0.19) $7.20
Weighted Average Diluted Shares Outstanding		 5.94M 5.86M 5.86M 5.57M 5.55M 5.46M 5.51M 5.29M 5.09M 4.76M 5.03M
Weighted Average Basic & Diluted Shares Outstanding		 6.22M 6.08M 5.84M - 5.75M 5.75M 5.31M 5.45M 5.04M 4.94M 4.64M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -26 2.82 17 -23 2.28 4.13 3.49 -2.73 -4.67 -2.11 20
Net Cash From Operating Activities		 206 219 218 245 281 227 272 292 266 254 259
Net Cash From Continuing Operating Activities		 206 136 218 245 280 227 272 292 266 254 259
Net Income / (Loss) Continuing Operations		 87 0.00 54 37 28 88 54 21 77 89 35
Consolidated Net Income / (Loss)		 87 - 54 37 28 88 54 21 77 89 35
Provision For Loan Losses		 124 119 131 148 182 86 186 259 157 169 189
Depreciation Expense		 6.50 6.92 7.34 6.61 7.67 8.27 10 6.24 6.67 6.33 5.80
Amortization Expense		 3.30 2.52 1.86 2.12 29 24 23 22 20 19 19
Non-Cash Adjustments to Reconcile Net Income		 -7.21 3.95 14 52 30 27 3.13 1.03 6.99 -23 15
Changes in Operating Assets and Liabilities, net		 -7.51 2.88 9.73 -2.18 4.37 -6.18 -4.42 -18 -2.02 -5.79 -4.38
Net Cash From Investing Activities		 -102 -132 -170 -207 -279 -82 -452 -181 -135 -153 -233
Net Cash From Continuing Investing Activities		 -102 -132 -170 -207 -279 -82 -452 -181 -135 -153 -233
Purchase of Property, Leasehold Improvements and Equipment		 -8.65 -6.81 -9.17 -9.81 -11 -12 -6.07 -5.83 -5.93 -3.68 -3.88
Purchase of Investment Securities		 -94 -105 -143 -191 -207 -56 -447 -175 -1,318 -1,347 -1,452
Sale of Property, Leasehold Improvements and Equipment		 0.89 0.80 0.31 0.47 0.28 3.16 1.35 0.53 0.35 0.55 0.79
Sale and/or Maturity of Investments		 0.03 0.00 - 0.00 0.00 2.45 - - 1,189 1,197 1,222
Net Cash From Financing Activities		 -129 -84 -31 -63 0.39 -141 183 -114 -135 -104 -6.83
Net Cash From Continuing Financing Activities		 -129 -84 -31 -63 0.39 -141 183 -114 -135 -104 -6.83
Issuance of Debt		 295 275 295 364 541 311 815 314 306 417 1,002
Repayment of Debt		 -427 -355 -346 -357 -343 -358 -529 -411 -405 -466 -871
Repurchase of Common Equity		 0.00 -5.00 -4.61 -75 -197 -102 -111 -14 -36 -54 -132
Other Financing Activities, Net		 3.33 0.60 24 4.60 0.14 9.09 7.73 -1.89 0.04 -0.32 -6.33
Cash Interest Paid		 24 19 18 17 24 25 21 52 49 45 47

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 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 2.80 -6.01 -0.94 -0.72 -1.37 5.84 -5.85 -1.60 6.76 27 -13
Net Cash From Operating Activities		 63 59 84 48 54 61 91 58 49 58 95
Net Cash From Continuing Operating Activities		 63 59 84 48 54 61 91 58 49 58 95
Net Income / (Loss) Continuing Operations		 16 17 35 9.95 22 13 44 1.34 -1.95 -0.91 36
Consolidated Net Income / (Loss)		 16 17 35 9.95 22 13 44 1.34 -1.95 -0.91 36
Provision For Loan Losses		 40 41 29 45 47 44 33 51 50 51 37
Depreciation Expense		 1.66 1.71 1.73 1.64 1.60 1.55 1.53 1.52 1.45 1.41 1.42
Amortization Expense		 4.99 5.07 5.32 4.71 4.80 4.48 4.61 4.61 4.38 5.13 5.20
Non-Cash Adjustments to Reconcile Net Income		 -2.13 3.73 6.08 -3.41 -18 -3.77 2.01 6.98 6.31 5.76 -3.63
Changes in Operating Assets and Liabilities, net		 2.30 -8.92 6.35 -9.89 -3.35 1.34 5.51 -6.82 -11 -4.84 19
Net Cash From Investing Activities		 -36 -70 22 -36 -58 -107 48 -68 -81 -105 21
Net Cash From Continuing Investing Activities		 -36 -70 22 -36 -58 -107 48 -68 -81 -105 21
Purchase of Property, Leasehold Improvements and Equipment		 -1.54 -1.22 -1.51 -1.08 -1.05 -0.69 -0.87 -1.04 -0.92 -0.81 -1.12
Purchase of Investment Securities		 -35 -69 24 -35 -591 -375 49 -68 -613 -376 -395
Sale of Property, Leasehold Improvements and Equipment		 0.10 0.05 0.04 0.16 0.16 0.12 0.11 0.48 0.17 0.07 0.07
Sale and/or Maturity of Investments		 - - - - - 269 - - - 272 418
Net Cash From Financing Activities		 -25 5.14 -107 -13 3.03 52 -145 8.51 39 74 -129
Net Cash From Continuing Financing Activities		 -25 5.14 -107 -13 3.03 52 -145 8.51 39 74 -129
Issuance of Debt		 58 91 91 94 80 123 119 92 334 308 268
Repayment of Debt		 -83 -67 -179 -97 -68 -69 -233 -68 -229 -215 -359
Repurchase of Common Equity		 - -17 -19 -11 -10.00 -1.05 -32 -13 -67 -15 -38
Other Financing Activities, Net		 0.36 -1.88 0.85 0.56 0.77 -2.12 0.48 -3.06 0.98 -3.48 -0.76
Cash Interest Paid		 7.23 17 7.60 15 6.21 15 8.21 12 11 12 13

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026
Total Assets		 806 801 841 855 1,030 954 1,218 1,117 1,056 1,008 1,054
Cash and Due from Banks		 12 15 12 9.34 12 16 19 17 12 4.71 6.07
Restricted Cash		 - - - - - - - - - 5.02 23
Loans and Leases, Net of Allowance		 707 696 679 756 804 1,013 1,389 1,264 1,174 1,122 1,167
Loans and Leases		 776 768 745 837 901 1,105 1,523 1,390 1,277 1,226 1,279
Allowance for Loan and Lease Losses		 70 72 66 82 96 92 134 126 103 103 112
Premises and Equipment, Net		 25 24 23 25 25 25 24 24 23 20 17
Goodwill		 6.12 6.07 7.03 7.03 7.37 7.37 7.37 7.37 7.37 7.37 7.37
Intangible Assets		 2.92 6.61 6.64 15 24 24 20 15 11 7.39 4.21
Other Assets		 53 53 113 42 157 -131 -241 -210 -171 -158 -171
Total Liabilities & Shareholders' Equity		 806 801 841 855 1,030 954 1,218 1,117 1,056 1,008 1,054
Total Liabilities		 414 340 300 303 618 549 845 732 632 571 703
Short-Term Debt		 - - - - - - - - - 262 587
Other Short-Term Payables		 31 32 34 39 - 41 58 51 54 42 38
Long-Term Debt		 375 295 245 252 451 405 692 595 496 184 0.00
Other Long-Term Liabilities		 8.26 13 21 12 167 103 95 86 82 82 78
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 392 461 541 552 412 405 373 385 424 437 351
Total Preferred & Common Equity		 392 461 541 552 412 405 373 385 424 437 351
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 392 461 541 552 412 405 373 385 424 437 351
Common Stock		 139 144 176 198 227 256 281 288 286 266 279
Retained Earnings		 276 345 391 354 185 149 92 97 138 171 72

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 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2022 12/31/2022 6/30/2023 9/30/2023 12/31/2023 6/30/2024 9/30/2024 12/31/2024 6/30/2025 9/30/2025 12/31/2025
Total Assets		 1,247 1,217 1,114 1,106 1,120 1,048 1,049 1,111 1,024 1,062 1,142
Cash and Due from Banks		 21 21 16 19 13 11 9.75 16 8.13 15 10
Restricted Cash		 - - - - - - - - - - 32
Loans and Leases, Net of Allowance		 -156 -145 -129 -129 -121 -110 -114 -116 -109 -118 -123
Allowance for Loan and Lease Losses		 156 145 129 129 121 110 114 116 109 118 123
Premises and Equipment, Net		 25 24 24 24 23 22 21 21 19 18 18
Goodwill		 7.37 7.37 7.37 7.37 7.37 7.37 7.37 7.37 7.37 7.37 7.37
Intangible Assets		 18 16 14 13 12 10 9.11 8.30 6.56 5.75 4.98
Other Assets		 1,333 1,292 1,182 1,172 1,185 1,107 1,116 1,175 1,092 1,134 1,193
Total Liabilities & Shareholders' Equity		 1,247 1,217 1,114 1,106 1,120 1,048 1,049 1,111 1,024 1,062 1,142
Total Liabilities		 891 857 717 696 713 626 632 682 596 697 791
Short-Term Debt		 - - - - - - - - - 585 677
Long-Term Debt		 747 723 585 561 585 493 505 560 472 0.00 0.00
Other Long-Term Liabilities		 89 86 86 85 82 83 83 81 77 75 114
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 357 360 397 410 407 423 417 428 428 366 352
Total Preferred & Common Equity		 357 360 397 410 407 423 417 428 428 366 352
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 357 360 397 410 407 423 417 428 428 366 352
Common Stock		 289 286 290 287 285 286 269 267 266 274 275
Retained Earnings		 68 73 107 123 122 137 149 161 161 92 76

Annual Metrics And Ratios for World Acceptance

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

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 4,936,879.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 4,936,879.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 7.01
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.64% -15.81% 3.04% 8.90% 7.13% -10.96% 9.85% 2.60% -7.26% -0.54% 3.72%
EBITDA Growth		 -19.61% -21.87% -8.09% -7.02% -27.83% 101.40% -30.79% -44.31% 128.47% 8.48% -48.35%
EBIT Growth		 -21.67% -23.16% -8.59% -7.20% -61.16% 219.12% -41.13% -58.61% 266.20% 12.65% -59.36%
NOPAT Growth		 -21.15% -22.43% -27.58% 50.53% -61.90% 213.53% -38.92% -60.62% 264.29% 16.03% -61.25%
Net Income Growth		 -21.15% -15.78% -27.05% -30.65% -24.38% 213.53% -38.92% -60.62% 264.29% 16.03% -61.25%
EPS Growth		 -15.55% -16.62% -28.52% -32.39% -12.59% 273.73% -35.98% -57.50% 266.39% 23.58% -57.56%
Operating Cash Flow Growth		 -14.81% 6.45% -0.61% 12.22% 14.84% -19.23% 20.05% 7.01% -8.84% -4.37% 2.04%
Free Cash Flow Firm Growth		 28.56% -43.15% -75.33% 189.60% -155.24% 558.40% -242.52% 152.66% 29.44% -9.85% -115.72%
Invested Capital Growth		 -6.14% -1.35% 3.94% 2.30% 7.34% -6.16% 31.54% -7.97% -6.12% -3.71% 6.15%
Revenue Q/Q Growth		 -5.18% -11.67% 9.06% 4.15% 1.31% -1.72% 1.12% 0.13% 1.19% 0.00% 11.36%
EBITDA Q/Q Growth		 -35.53% -52.94% -52.08% -59.97% -75.62% -47.88% -54.85% -85.43% 15.04% 0.00% -10.93%
EBIT Q/Q Growth		 -37.39% -54.94% -54.36% -62.17% -87.52% -52.65% -62.86% -92.21% 19.15% 0.00% -16.78%
NOPAT Q/Q Growth		 -17.62% -5.29% -0.78% 19.94% -34.20% 32.35% -32.95% 41.71% 14.88% 0.00% -19.12%
Net Income Q/Q Growth		 -17.62% 2.83% -4.80% 30.94% -45.22% 51.97% -32.95% 41.71% 14.88% 0.00% -19.12%
EPS Q/Q Growth		 -16.46% 2.57% -6.41% 29.39% -22.20% 38.10% -31.14% 53.85% 14.20% 0.00% -11.23%
Operating Cash Flow Q/Q Growth		 -1.51% -1.02% 4.35% 3.41% 11.91% -6.15% 3.61% -6.23% -0.70% 2.89% 1.45%
Free Cash Flow Firm Q/Q Growth		 0.90% -38.18% 433.60% 107.63% -104.25% -1.89% -33.61% 69.71% -12.76% 0.00% -1,110.69%
Invested Capital Q/Q Growth		 -12.37% -7.77% -9.22% -51.53% -11.56% -9.85% -5.69% -9.40% -7.21% 0.00% -8.81%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 26.49% 24.59% 21.93% 18.72% 12.61% 28.53% 17.98% 9.76% 24.04% 26.22% 12.03%
EBIT Margin		 24.73% 22.57% 20.03% 17.07% 6.19% 22.18% 11.89% 4.80% 18.94% 21.45% 7.73%
Profit (Net Income) Margin		 15.68% 15.68% 11.10% 7.07% 4.99% 17.58% 9.77% 3.75% 14.73% 17.19% 5.91%
Tax Burden Percent		 63.38% 69.47% 55.44% 41.43% 80.66% 79.25% 82.22% 78.21% 77.81% 80.14% 76.45%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.62% 36.02% 49.31% 17.78% 19.34% 20.75% 17.78% 21.79% 22.19% 19.86% 23.55%
Return on Invested Capital (ROIC)		 11.04% 8.90% 6.37% 9.29% 3.38% 10.55% 5.75% 2.08% 8.14% 9.93% 3.80%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.04% 10.64% 8.07% -5.46% 3.38% 10.55% 5.75% 2.08% 8.14% 9.93% 3.80%
Return on Net Nonoperating Assets (RNNOA)		 13.67% 8.35% 4.35% -2.48% 2.46% 11.06% 8.11% 3.52% 10.97% 10.84% 4.98%
Return on Equity (ROE)		 24.71% 17.26% 10.71% 6.81% 5.84% 21.61% 13.86% 5.60% 19.11% 20.78% 8.78%
Cash Return on Invested Capital (CROIC)		 17.37% 10.27% 2.50% 7.02% -3.70% 16.91% -21.49% 10.38% 14.45% 13.71% -2.17%
Operating Return on Assets (OROA)		 16.49% 13.19% 11.80% 10.60% 3.70% 11.23% 6.04% 2.32% 9.15% 10.85% 4.39%
Return on Assets (ROA)		 10.45% 9.16% 6.54% 4.39% 2.99% 8.90% 4.96% 1.82% 7.12% 8.70% 3.35%
Return on Common Equity (ROCE)		 24.71% 17.26% 10.71% 6.81% 5.84% 21.61% 13.86% 5.60% 19.11% 20.78% 8.78%
Return on Equity Simple (ROE_SIMPLE)		 22.30% 15.96% 9.92% 6.74% 6.84% 21.80% 14.45% 5.51% 18.22% 20.42% 9.85%
Net Operating Profit after Tax (NOPAT)		 87 68 49 74 28 88 54 21 77 90 35
NOPAT Margin		 15.68% 14.44% 10.15% 14.03% 4.99% 17.58% 9.77% 3.75% 14.73% 17.19% 5.91%
Net Nonoperating Expense Percent (NNEP)		 0.00% -1.73% -1.70% 14.76% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 41.42% 45.43% 46.49% 47.81% 50.04% 51.36% 45.93% 41.67% 42.70% 38.39% 44.26%
Operating Expenses to Revenue		 53.09% 52.05% 55.65% 54.75% 61.60% 60.65% 54.37% 49.37% 51.16% 46.14% 60.04%
Earnings before Interest and Taxes (EBIT)		 138 106 97 90 35 111 66 27 99 112 45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 148 115 106 99 71 143 99 55 126 137 70
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 0.99 1.77 2.04 1.05 2.18 3.37 1.35 2.08 1.65 1.90
Price to Tangible Book Value (P/TBV)		 0.88 1.01 1.81 2.13 1.14 2.36 3.63 1.43 2.17 1.71 1.96
Price to Revenue (P/Rev)		 0.61 0.97 1.98 2.14 0.77 1.76 2.28 0.92 1.68 1.39 1.14
Price to Earnings (P/E)		 3.87 6.18 17.81 30.27 15.38 10.00 23.29 24.43 11.40 8.10 19.28
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		 25.83% 16.18% 5.61% 3.30% 6.50% 10.00% 4.29% 4.09% 8.77% 12.34% 5.19%
Enterprise Value to Invested Capital (EV/IC)		 0.91 0.97 1.51 1.70 1.01 1.57 1.81 1.12 1.48 1.31 1.31
Enterprise Value to Revenue (EV/Rev)		 1.26 1.57 2.46 2.60 1.55 2.53 3.50 1.94 2.60 2.23 2.09
Enterprise Value to EBITDA (EV/EBITDA)		 4.74 6.37 11.21 13.89 12.26 8.88 19.45 19.87 10.82 8.51 17.40
Enterprise Value to EBIT (EV/EBIT)		 5.08 6.93 12.27 15.24 25.00 11.42 29.41 40.43 13.74 10.40 27.07
Enterprise Value to NOPAT (EV/NOPAT)		 8.02 10.84 24.21 18.54 30.99 14.41 35.77 51.69 17.66 12.97 35.41
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.40 3.35 5.45 5.60 3.11 5.61 7.08 3.76 5.14 4.58 4.72
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.09 9.40 61.64 24.53 0.00 9.00 0.00 10.34 9.94 9.40 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.96 0.64 0.45 0.46 1.10 1.00 1.86 1.55 1.17 1.02 1.67
Long-Term Debt to Equity		 0.96 0.64 0.45 0.46 1.10 1.00 1.86 1.55 1.17 1.02 0.00
Financial Leverage		 1.24 0.79 0.54 0.45 0.73 1.05 1.41 1.70 1.35 1.09 1.31
Leverage Ratio		 2.36 1.88 1.64 1.55 1.96 2.43 2.79 3.08 2.68 2.39 2.62
Compound Leverage Factor		 2.36 1.88 1.64 1.55 1.96 2.43 2.79 3.08 2.68 2.39 2.62
Debt to Total Capital		 48.88% 39.03% 31.16% 31.33% 52.27% 50.00% 64.99% 60.71% 53.89% 50.42% 62.59%
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% 62.59%
Long-Term Debt to Total Capital		 48.88% 39.03% 31.16% 31.33% 52.27% 50.00% 64.99% 60.71% 53.89% 50.42% 0.00%
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		 51.12% 60.97% 68.84% 68.67% 47.73% 50.00% 35.01% 39.29% 46.11% 49.58% 37.41%
Debt to EBITDA		 2.54 2.56 2.31 2.56 6.34 2.83 6.98 10.78 3.93 3.26 8.35
Net Debt to EBITDA		 2.45 2.43 2.19 2.46 6.18 2.72 6.79 10.48 3.84 3.19 7.93
Long-Term Debt to EBITDA		 2.54 2.56 2.31 2.56 6.34 2.83 6.98 10.78 3.93 3.26 0.00
Debt to NOPAT		 4.29 4.35 4.99 3.41 16.02 4.59 12.84 28.04 6.41 4.98 16.98
Net Debt to NOPAT		 4.15 4.13 4.73 3.28 15.61 4.41 12.48 27.26 6.26 4.87 16.13
Long-Term Debt to NOPAT		 4.29 4.35 4.99 3.41 16.02 4.59 12.84 28.04 6.41 4.98 0.00
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)		 138 78 19 56 -31 141 -202 106 137 124 -20
Operating Cash Flow to CapEx		 2,653.88% 3,648.88% 2,460.54% 2,620.01% 2,555.99% 2,661.74% 5,772.68% 5,503.10% 4,760.95% 8,111.07% 8,394.22%
Free Cash Flow to Firm to Interest Expense		 0.00 3.64 1.01 3.11 -1.19 5.50 -6.03 2.10 2.85 2.90 0.00
Operating Cash Flow to Interest Expense		 0.00 10.20 11.42 13.64 10.85 8.83 8.15 5.78 5.51 5.95 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 9.92 10.96 13.12 10.43 8.50 8.01 5.67 5.39 5.88 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.67 0.58 0.59 0.62 0.60 0.51 0.51 0.48 0.48 0.51 0.57
Fixed Asset Turnover		 21.77 18.97 20.59 21.85 22.48 20.06 22.16 23.39 22.42 24.48 31.46
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 767 756 786 804 863 810 1,065 980 920 886 938
Invested Capital Turnover		 0.70 0.62 0.63 0.66 0.68 0.60 0.59 0.55 0.55 0.58 0.64
Increase / (Decrease) in Invested Capital		 -50 -10 30 18 59 -53 255 -85 -60 -34 54
Enterprise Value (EV)		 701 735 1,189 1,370 873 1,272 1,929 1,098 1,366 1,164 1,225
Market Capitalization		 338 455 956 1,127 433 883 1,256 519 882 727 667
Book Value per Share		 $43.92 $52.49 $59.59 $57.38 $51.93 $59.51 $56.98 $61.85 $69.80 $76.48 $71.10
Tangible Book Value per Share		 $42.91 $51.05 $58.08 $55.05 $47.92 $54.97 $52.84 $58.21 $66.77 $73.91 $68.75
Total Capital		 767 756 786 804 863 810 1,065 980 920 886 938
Total Debt		 375 295 245 252 451 405 692 595 496 447 587
Total Long-Term Debt		 375 295 245 252 451 405 692 595 496 447 0.00
Net Debt		 362 280 232 243 439 389 673 579 484 437 558
Capital Expenditures (CapEx)		 7.76 6.01 8.86 9.34 11 8.53 4.72 5.30 5.58 3.13 3.09
Net Nonoperating Expense (NNE)		 0.00 -5.81 -4.60 37 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 375 295 245 252 451 405 692 595 496 447 587
Total Depreciation and Amortization (D&A)		 9.80 9.44 9.20 8.73 36 32 34 28 27 25 25
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $10.12 $8.45 $6.11 $4.14 $3.66 $13.59 $8.88 $0.00 $13.45 $16.54 $7.00
Adjusted Weighted Average Basic Shares Outstanding		 8.64M 8.71M 8.79M 8.99M 7.69M 6.49M 6.07M 0.00 5.75M 5.43M 4.94M
Adjusted Diluted Earnings per Share		 $10.05 $8.38 $5.99 $4.05 $3.54 $13.23 $8.47 $0.00 $13.19 $16.30 $6.88
Adjusted Weighted Average Diluted Shares Outstanding		 8.69M 8.78M 8.96M 9.20M 7.95M 6.67M 6.36M 0.00 5.86M 5.51M 5.03M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $4.14 $3.66 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 8.81M 8.82M 9.13M 9.31M 7.51M 6.78M 6.28M 0.00 5.84M 5.31M 4.64M
Normalized Net Operating Profit after Tax (NOPAT)		 87 68 49 74 28 88 54 21 77 90 35
Normalized NOPAT Margin		 15.68% 14.44% 10.15% 14.03% 4.99% 17.58% 9.77% 3.75% 14.73% 17.19% 5.91%
Pre Tax Income Margin		 24.73% 22.57% 20.03% 17.07% 6.19% 22.18% 11.89% 4.80% 18.94% 21.45% 7.73%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 4.93 5.07 5.01 1.35 4.34 1.96 0.54 2.06 2.62 0.00
NOPAT to Interest Expense		 0.00 3.15 2.57 4.12 1.09 3.44 1.61 0.42 1.60 2.10 0.00
EBIT Less CapEx to Interest Expense		 0.00 4.65 4.61 4.49 0.92 4.00 1.82 0.43 1.95 2.55 0.00
NOPAT Less CapEx to Interest Expense		 0.00 2.87 2.11 3.60 0.66 3.10 1.47 0.32 1.49 2.03 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% 6.79% 8.59% 200.13% 701.06% 116.05% 206.12% 67.42% 46.81% 60.39% 382.88%

Quarterly Metrics And Ratios for World Acceptance

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

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 5,746,677.00 - - 5,038,077.00 4,936,879.00
DEI Adjusted Shares Outstanding		 - - - - - - 5,746,677.00 - - 5,038,077.00 4,936,879.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 7.62 - - -0.18 7.31
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -10.05% -4.83% 4.16% -5.76% -2.72% 1.01% 0.40% 2.56% -0.69% - 8.99%
EBITDA Growth		 318.15% 72.38% 45.09% 0.11% 24.55% -35.53% 13.75% -58.13% -87.92% - -13.15%
EBIT Growth		 23,689.21% 147.01% 53.16% 0.00% 33.49% -17.96% 17.82% -84.95% -106.04% - -15.52%
NOPAT Growth		 26,004.41% 187.10% 40.68% 0.00% 37.59% -19.66% 25.94% -86.49% -105.33% - -17.54%
Net Income Growth		 2,622.42% 187.10% 40.68% 4.28% 37.59% -19.66% 25.94% -86.49% -108.80% - -17.54%
EPS Growth		 2,563.64% 186.87% 38.95% 10.49% 47.23% -13.73% 33.67% -86.03% -109.52% - -9.77%
Operating Cash Flow Growth		 -19.27% -14.93% -2.18% -18.95% -15.14% 0.00% 8.44% 20.12% -9.55% - 4.09%
Free Cash Flow Firm Growth		 273.18% 100.16% -13.56% 309.86% -52.37% -83.72% -15.21% -197.08% -141.04% - -122.74%
Invested Capital Growth		 -16.39% -8.33% -6.12% 0.00% -5.00% -0.40% -3.98% 0.00% 3.02% - 6.15%
Revenue Q/Q Growth		 -2.16% 1.39% 22.82% -20.63% 1.00% 0.00% 54.02% 0.00% -2.20% - 66.39%
EBITDA Q/Q Growth		 43.17% -4.62% 101.92% -58.69% 78.11% 0.00% 174.83% 0.00% -48.60% - 851.38%
EBIT Q/Q Growth		 61.84% -6.71% 135.89% -67.36% 116.04% 0.00% 240.03% 0.00% -186.65% - 4,638.90%
NOPAT Q/Q Growth		 61.67% 3.62% 107.93% -65.71% 122.45% 0.00% 226.99% 0.00% -187.81% - 5,189.00%
Net Income Q/Q Growth		 68.60% 3.62% 107.93% -65.71% 122.45% 0.00% 226.99% 0.00% -244.80% - 4,061.19%
EPS Q/Q Growth		 67.28% 4.80% 105.99% -62.24% 122.91% 0.00% 225.71% 0.00% -252.00% - 3,889.47%
Operating Cash Flow Q/Q Growth		 30.88% -7.06% 42.34% -42.24% 11.06% 0.00% 48.75% -36.07% -16.38% - 63.19%
Free Cash Flow Firm Q/Q Growth		 -12.76% -45.77% -11.35% 939.10% -92.36% 0.00% 362.35% 0.00% 96.77% - 55.98%
Invested Capital Q/Q Growth		 0.77% 7.55% -7.21% -100.00% 0.00% 0.00% -10.54% 0.00% 5.63% - -8.81%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 22.17% 20.86% 34.29% 16.10% 28.38% 13.31% 30.89% 6.57% 3.45% - 24.62%
EBIT Margin		 16.83% 15.48% 29.74% 10.79% 23.09% 12.57% 27.76% 1.58% -1.40% - 21.52%
Profit (Net Income) Margin		 12.94% 13.22% 22.38% 8.31% 18.30% 10.51% 22.32% 1.09% -1.62% - 16.89%
Tax Burden Percent		 76.87% 85.38% 75.26% 76.95% 79.23% 83.61% 80.41% 69.07% 115.43% - 78.48%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 23.13% 14.62% 24.74% 23.05% 20.77% 16.39% 19.59% 30.93% 0.00% - 21.52%
Return on Invested Capital (ROIC)		 6.71% 6.71% 12.36% 0.00% 9.94% 0.00% 13.96% 1.28% -0.55% - 10.85%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.71% 6.71% 12.36% 0.00% 9.94% 0.00% 13.96% 1.28% -0.69% - 10.85%
Return on Net Nonoperating Assets (RNNOA)		 10.85% 11.44% 16.66% 0.00% 12.80% 0.00% 15.28% 1.41% -0.96% - 14.24%
Return on Equity (ROE)		 17.55% 18.14% 29.02% 0.00% 22.74% 0.00% 29.24% 2.69% -1.51% - 25.08%
Cash Return on Invested Capital (CROIC)		 23.43% 15.14% 14.45% 0.00% 13.98% 0.00% 13.95% -181.96% 3.12% - -2.17%
Operating Return on Assets (OROA)		 7.70% 6.97% 14.36% 0.00% 11.02% 0.00% 15.17% 0.81% -0.70% - 12.21%
Return on Assets (ROA)		 5.92% 5.95% 10.81% 0.00% 8.73% 0.00% 12.20% 0.56% -0.80% - 9.58%
Return on Common Equity (ROCE)		 17.55% 18.14% 29.02% 0.00% 22.74% 0.00% 29.24% 2.69% -1.51% - 25.08%
Return on Equity Simple (ROE_SIMPLE)		 13.53% 16.44% 0.00% 0.00% 20.07% 0.00% 0.00% 18.96% 15.61% - 0.00%
Net Operating Profit after Tax (NOPAT)		 16 17 35 9.95 22 13 44 1.34 -1.18 - 36
NOPAT Margin		 12.94% 13.22% 22.38% 8.31% 18.30% 10.51% 22.32% 1.09% -0.98% - 16.89%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.14% - 0.00%
SG&A Expenses to Revenue		 42.71% 44.19% 41.70% 42.42% 30.52% 45.40% 27.99% 48.73% 51.60% - 32.57%
Operating Expenses to Revenue		 50.63% 52.28% 50.59% 51.28% 38.33% 52.79% 55.40% 57.29% 59.91% - 61.26%
Earnings before Interest and Taxes (EBIT)		 21 20 46 13 28 16 54 1.95 -1.69 - 46
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 28 26 53 19 34 17 61 8.07 4.15 - 53
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.90 2.00 2.08 0.00 1.65 1.51 1.66 2.05 2.52 - 1.90
Price to Tangible Book Value (P/TBV)		 1.98 2.10 2.17 0.00 1.72 1.57 1.72 2.12 2.61 - 1.96
Price to Revenue (P/Rev)		 1.51 1.54 1.68 1.40 1.34 0.00 1.29 1.67 1.76 - 1.14
Price to Earnings (P/E)		 14.05 12.14 11.40 9.29 8.24 0.00 8.15 10.80 16.14 - 19.28
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Earnings Yield		 7.12% 8.24% 8.77% 10.76% 12.13% 0.00% 12.27% 9.26% 6.20% - 5.19%
Enterprise Value to Invested Capital (EV/IC)		 1.40 1.40 1.48 0.00 1.29 1.21 1.32 1.49 1.57 - 1.31
Enterprise Value to Revenue (EV/Rev)		 2.45 2.63 2.60 0.00 2.31 0.00 2.06 2.55 2.84 - 2.09
Enterprise Value to EBITDA (EV/EBITDA)		 13.06 12.69 10.82 0.00 8.88 0.00 8.55 10.66 15.61 - 17.40
Enterprise Value to EBIT (EV/EBIT)		 17.94 16.71 13.74 0.00 11.08 0.00 10.46 13.27 20.88 - 27.07
Enterprise Value to NOPAT (EV/NOPAT)		 22.82 20.69 17.66 0.00 14.15 0.00 13.05 16.51 26.13 - 35.41
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.63 5.17 5.14 0.00 4.84 4.82 4.58 5.08 5.76 - 4.72
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.43 8.82 9.94 0.00 8.96 0.00 9.25 0.00 50.99 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.21 1.44 1.17 0.00 1.21 1.31 1.02 1.10 1.60 - 1.67
Long-Term Debt to Equity		 1.21 1.44 1.17 0.00 1.21 1.31 0.42 1.10 0.00 - 0.00
Financial Leverage		 1.62 1.71 1.35 0.00 1.29 1.37 1.09 1.10 1.39 - 1.31
Leverage Ratio		 2.97 3.05 2.68 0.00 2.60 2.67 2.40 2.39 2.70 - 2.62
Compound Leverage Factor		 2.97 3.05 2.68 0.00 2.60 2.67 2.40 2.39 2.70 - 2.62
Debt to Total Capital		 54.74% 58.97% 53.89% 0.00% 54.74% 56.66% 50.56% 52.44% 61.52% - 62.59%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 29.69% 0.00% 61.52% - 62.59%
Long-Term Debt to Total Capital		 54.74% 58.97% 53.89% 0.00% 54.74% 56.66% 20.87% 52.44% 0.00% - 0.00%
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%
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%
Common Equity to Total Capital		 45.26% 41.03% 46.11% 0.00% 45.26% 43.34% 49.44% 47.56% 38.48% - 37.41%
Debt to EBITDA		 5.12 5.36 3.93 0.00 3.78 0.00 3.28 3.75 6.12 - 8.35
Net Debt to EBITDA		 5.02 5.24 3.84 0.00 3.71 0.00 3.21 3.69 5.96 - 7.93
Long-Term Debt to EBITDA		 5.12 5.36 3.93 0.00 3.78 0.00 1.35 3.75 0.00 - 0.00
Debt to NOPAT		 8.94 8.74 6.41 0.00 6.03 0.00 5.01 5.81 10.24 - 16.98
Net Debt to NOPAT		 8.77 8.55 6.26 0.00 5.91 0.00 4.90 5.71 9.98 - 16.13
Long-Term Debt to NOPAT		 8.94 8.74 6.41 0.00 6.03 0.00 2.07 5.81 0.00 - 0.00
Noncontrolling Interest Sharing Ratio		 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)		 197 107 95 925 71 17 80 -898 -29 - -18
Operating Cash Flow to CapEx		 4,384.72% 5,017.76% 5,696.54% 5,250.31% 6,081.01% 0.00% 11,987.89% 10,403.42% 6,504.11% - 9,054.62%
Free Cash Flow to Firm to Interest Expense		 15.70 9.14 6.65 94.72 6.76 1.54 0.00 -93.28 -2.02 - 0.00
Operating Cash Flow to Interest Expense		 5.05 5.04 5.89 4.96 5.14 0.00 0.00 6.04 3.39 - 0.00
Operating Cash Flow Less CapEx to Interest Expense		 4.94 4.94 5.79 4.86 5.06 0.00 0.00 5.98 3.34 - 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.46 0.45 0.48 0.00 0.48 0.00 0.55 0.51 0.50 - 0.57
Fixed Asset Turnover		 22.74 22.12 22.42 0.00 22.79 0.00 26.45 27.44 26.28 - 31.46
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 922 992 920 0.00 922 988 884 900 950 - 938
Invested Capital Turnover		 0.52 0.51 0.55 0.00 0.54 0.00 0.63 1.17 0.56 - 0.64
Increase / (Decrease) in Invested Capital		 -181 -90 -60 -915 -49 -4.00 -37 900 28 - 54
Enterprise Value (EV)		 1,288 1,385 1,366 0.00 1,186 1,191 1,164 1,340 1,491 - 1,225
Market Capitalization		 793 813 882 722 691 646 727 876 921 - 667
Book Value per Share		 $66.88 $65.39 $69.80 $0.00 $71.31 $74.47 $76.04 $80.62 $67.14 - $71.10
Tangible Book Value per Share		 $64.24 $62.26 $66.77 $0.00 $68.49 $71.74 $73.47 $77.99 $64.73 - $68.75
Total Capital		 922 992 920 0.00 922 988 884 900 950 - 938
Total Debt		 505 585 496 0.00 505 560 447 472 585 - 587
Total Long-Term Debt		 505 585 496 0.00 505 560 184 472 0.00 - 0.00
Net Debt		 495 572 484 0.00 495 544 437 464 570 - 558
Capital Expenditures (CapEx)		 1.45 1.17 1.47 0.92 0.88 0.00 0.76 0.56 0.75 - 1.04
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.77 - 0.00
Net Nonoperating Obligations (NNO)		 505 585 496 0.00 505 560 447 472 585 - 587
Total Depreciation and Amortization (D&A)		 6.64 6.77 7.05 6.35 6.40 0.94 6.14 6.12 5.83 - 6.62
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.78 $2.89 $5.96 $0.00 $4.05 $2.46 $8.12 $0.26 ($0.38) ($0.19) $7.31
Adjusted Weighted Average Basic Shares Outstanding		 5.78M 5.77M 5.75M 0.00 5.47M 5.44M 5.43M 5.22M 5.09M 4.76M 4.94M
Adjusted Diluted Earnings per Share		 $2.71 $2.84 $5.85 $0.00 $3.99 $2.45 $7.98 $0.25 ($0.38) ($0.19) $7.20
Adjusted Weighted Average Diluted Shares Outstanding		 5.94M 5.86M 5.86M 0.00 5.55M 5.46M 5.51M 5.29M 5.09M 4.76M 5.03M
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 6.08M 5.84M 0.00 5.75M 5.75M 5.31M 5.45M 5.04M 4.94M 4.64M
Normalized Net Operating Profit after Tax (NOPAT)		 16 17 35 9.95 22 13 44 1.34 -1.18 - 36
Normalized NOPAT Margin		 12.94% 13.22% 22.38% 8.31% 18.30% 10.51% 22.32% 1.09% -0.98% - 16.89%
Pre Tax Income Margin		 16.83% 15.48% 29.74% 10.79% 23.09% 12.57% 27.76% 1.58% -1.40% - 21.52%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.67 1.67 3.24 1.32 2.67 1.42 0.00 0.20 -0.12 - 0.00
NOPAT to Interest Expense		 1.28 1.43 2.44 1.02 2.12 1.19 0.00 0.14 -0.08 - 0.00
EBIT Less CapEx to Interest Expense		 1.55 1.57 3.13 1.23 2.59 0.00 0.00 0.14 -0.17 - 0.00
NOPAT Less CapEx to Interest Expense		 1.17 1.33 2.33 0.92 2.03 0.00 0.00 0.08 -0.13 - 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%
Augmented Payout Ratio		 0.00% 25.84% 46.81% 60.90% 68.44% 0.00% 60.73% 69.04% 197.41% - 382.88%

Financials Breakdown Chart

Key Financial Trends

World Acceptance (NASDAQ: WRLD) showed a much stronger end to fiscal 2026, but the broader multi-year trend is mixed. The company swung from a small loss in Q3 2026 to a solid profit in Q4 2026, while full-year-style comparison points show earnings and operating cash flow remain highly dependent on credit-loss provisions, leverage, and loan growth. Over the last several years, revenue has held up reasonably well, but earnings have been volatile and balance-sheet debt has been a major swing factor.

  • Q4 2026 profit rebounded sharply. WRLD reported net income of $36.1 million in Q4 2026, compared with a net loss of $0.9 million in Q3 2026.
  • Operating cash flow was strong in Q4 2026. Net cash from operating activities rose to $94.6 million, up from $57.9 million in Q3 2026.
  • Revenue improved sequentially. Total revenue increased to $213.8 million in Q4 2026 from $128.5 million in Q3 2026, helped by stronger non-interest income.
  • Pre-tax income recovered meaningfully in Q4 2026. Pre-tax income climbed to $46.0 million from a loss of $1.0 million in Q3 2026.
  • Q1 2026 was profitable and showed solid cash generation. The company earned $1.3 million in Q1 2026 and generated $58.2 million in operating cash flow.
  • Equity grew over the period. Total common equity increased from $396.9 million in Q1 2024 to $351.6 million in Q3 2026 after a period of volatility, with retained earnings also improving materially versus earlier periods.
  • Loan interest income has stayed relatively stable. Total interest income generally ranged around the $115 million to $126 million mark across recent quarters, suggesting the core lending business remains intact.
  • Share count has been fairly stable to slightly lower. Weighted average diluted shares moved within a relatively tight range, which helps limit EPS dilution.
  • Investment activity remains large and active. WRLD regularly buys and sells investment securities, so cash flow can look noisy from quarter to quarter.
  • Credit loss provisions remain a major drag. The provision for credit losses was $36.8 million in Q4 2026 and $51.4 million in Q3 2026, showing that loan quality remains a key risk.
  • Q3 2026 was loss-making. The company posted a net loss of $0.9 million and negative pre-tax income in that quarter.
  • Debt levels are still high. Total liabilities were $790.8 million in Q3 2026, including $677.2 million of short-term debt, which keeps financing risk elevated.
  • Leverage has increased versus earlier periods. Long-term debt jumped to $471.7 million in Q1 2026 and remained substantial in subsequent quarters, pressuring financial flexibility.
  • Non-interest expenses can be volatile. Operating costs, especially other operating expenses and employee costs, have swung noticeably across quarters, making profitability less predictable.
  • Cash changes were negative in Q4 2026 despite profits. Net change in cash and equivalents was down $12.8 million, reflecting debt repayments, share repurchases, and investing activity.

Bottom line: World Acceptance’s latest quarter looked much healthier than the prior one, with better earnings and strong operating cash flow. Still, investors should watch credit-loss provisions and debt closely, because those two items have been the biggest drivers of volatility in WRLD’s results over the past several years.

06/09/26 11:35 PM ETAI Generated. May Contain Errors.

World Acceptance Financials - Frequently Asked Questions

According to the most recent income statement we have on file, World Acceptance's financial year ends in March. Their financial year 2026 ended on March 31, 2026.

World Acceptance's net income appears to be on a downward trend, with a most recent value of $34.59 million in 2026, falling from $87.40 million in 2016. The previous period was $89.24 million in 2025. View World Acceptance's forecast to see where analysts expect World Acceptance to go next.

Over the last 10 years, World Acceptance's total revenue changed from $557.48 million in 2016 to $585.17 million in 2026, a change of 5.0%.

World Acceptance's total liabilities were at $703.12 million at the end of 2026, a 23.0% increase from 2025, and a 69.7% increase since 2016.

In the past 10 years, World Acceptance's cash and equivalents has ranged from $4.71 million in 2025 to $19.24 million in 2022, and is currently $6.07 million as of their latest financial filing in 2026.

Over the last 10 years, World Acceptance's book value per share changed from 43.92 in 2016 to 71.10 in 2026, a change of 61.9%.


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Financial statements for NASDAQ:WRLD last updated on 6/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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