World Acceptance Corporation

World Acceptance Corporation

WRLD
World Acceptance CorporationUS flagNASDAQ Global Select
178.45
USD
+1.48
- -
828.07MMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
56.33
65.43
60.21
53.44
53.03
56.72
72.25
73.81
86.91
90.85
91.25
96.11
115.05
108.6
Basic EPS, GAAP
10.39
12.36
9.92
8.38
5.89
4.01
3.61
12.97
8.49
3.41
13.4
16.45
7.43
7.01
Free Cash Flow per Basic Share
23.22
25.96
22.39
23.73
22.68
24.2
32.69
30.96
41.77
45.85
45.2
46.17
54.86
51.79
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
18.82
21.03
31.32
39.24
42.91
38.13
23.66
21.94
14.51
15.59
24.01
31.44
15.37
14.51
Tangible Book Value per Share
29
34.12
43.45
51.05
57.84
57.06
48.69
54.96
54.49
58.19
70.62
77.82
72.89
68.8
Basic Weighted Avg Shares
10
9
9
9
9
9
8
7
6
6
6
5
5
5
Sales/Revenue/Turnover
578
587
531
469
484
527
564
502
552
566
525
521
536
536
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
7
7
7
7
8
8
12
12
12
11
11
10
9
9
Net Income, GAAP
107
111
87
74
54
37
28
88
54
21
77
89
35
35
Effective Tax Rate (%)
37.38
37.04
36.62
36.02
49.31
17.78
19.34
20.75
17.78
21.79
22.18
19.83
23.55
23.55
Profit Margin (%)
18.44
18.88
16.47
15.68
11.1
7.07
4.99
17.58
9.77
3.75
14.69
17.11
6.46
6.46
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
506
501
375
295
245
252
554
497
780
679
578
526
661
661
Total Equity
307
316
392
461
541
552
412
405
373
385
424
437
351
351
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
45.35
58.07
37.62
23.72
14.59
9.99
10.45
52.85
44.66
22.44
65.53
57.84
28.57
28.57

Capital Structure

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
585
677
587
LT Finance Leases
75
75
74
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
893
718
666

Working Capital

FRC

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
15
10
6
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
37
39
38
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.12%
-2.23%
-19.68%
Free Cash Flow
3.26%
4.58%
1.99%
Net Income, GAAP
23.36%
23.59%
-61.24%
Sales/Revenue/Turnover
0.38%
1.45%
2.74%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
127
124
126
148
525
2025
120
121
127
154
521
2026
123
120
128
164
536

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.53
2.57
2.74
5.9
13.4
2025
1.82
4.05
2.46
8.24
16.45
2026
0.26
-0.38
-0.19
7.75
7.43

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Janet Lewis Matricciani
Full Time Employees
2,872
Sector
Financial Services
Industry
Financial - Credit Services
Address
104 S. Main Street Greenville SC United States of America 29601
IPO Date
Nov 26, 1991
Business
World Acceptance Corporation (WRLD), founded in 1962 and headquartered in Greenville, South Carolina, engages in the consumer finance business servicing individuals with limited access to mainstream credit sources such as banks, credit unions, and credit card lenders. The company offers short-term small installment loans, medium-term larger installment loans typically ranging from $400 to $5,000 with an average origination around $1,975, related credit insurance products, and ancillary services including income tax return preparation with electronic filing, tax advance loans, and automobile or motor club memberships for roadside assistance; these offerings are provided through approximately 1,000 to 1,200 branches across 15 to 16 states including South Carolina, Georgia, Texas, Oklahoma, Louisiana, Tennessee, Missouri, Illinois, New Mexico, Kentucky, and Alabama. World Acceptance operates under primary trade names like World Finance and Loans by World, emphasizing fixed interest rates, transparent up-front pricing without hidden fees, flexible repayment terms tailored to customer budgets, and credit-building opportunities. In September 2025, the company and its subsidiary WFC Receivables I, LLC entered into a $175 million revolving warehouse credit facility secured by consumer loan receivables, providing enhanced liquidity for loan origination and management with provisions for servicing delegation and risk mitigation; this agreement supports ongoing operational efficiency amid recent quarterly earnings reports reflecting stable revenue around $571 million and net income of $57 million on a trailing twelve-month basis.

Company News

MCPAPIChat
  • World Acceptance Corporation (WRLD) Q4 2026 Earnings Call Transcript

  • World Acceptance Corporation Reports Fiscal 2026 Fourth Quarter Results

  • World Acceptance Corporation Names Janet Matricciani Interim CEO

  • World Acceptance Corporation $WRLD Shares Sold by JPMorgan Chase & Co.

  • World Acceptance Corporation (NASDAQ:WRLD) Sees Large Decrease in Short Interest

  • World Acceptance Corporation Names J. Tobin Turner Executive Vice President and Chief Operating Officer

  • World Acceptance (NASDAQ:WRLD) Shares Gap Down Following Weak Earnings

  • World Acceptance Corporation (WRLD) Q3 2026 Earnings Call Transcript

  • World Acceptance (WRLD) Reports Q3 Loss, Beats Revenue Estimates

  • World Acceptance Corporation Reports Fiscal 2026 Third Quarter Results

  • World Acceptance Corporation Announces Third Quarter 2026 Conference Call on the Internet

  • World Acceptance (NASDAQ:WRLD) Trading Down 4.5% – Here’s Why

  • Squarepoint Ops LLC Purchases Shares of 5,700 World Acceptance Corporation $WRLD

  • World Acceptance Corporation Announces the Retirement of Chief Branch Operations Officer D. Clinton Dyer

  • Teacher Retirement System of Texas Buys 7,153 Shares of World Acceptance Corporation $WRLD

  • World Acceptance Corporation (WRLD) Q2 2026 Earnings Call Transcript

  • World Acceptance (WRLD) Reports Q2 Loss, Beats Revenue Estimates

  • World Acceptance Corporation Reports Fiscal 2026 Second Quarter Results

  • World Acceptance Corporation Announces Second Quarter 2026 Conference Call on the Internet

  • World Acceptance Posts Q1 Profit Drop