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World Acceptance Corporation

WRLD Financial Credit Services

World Acceptance Corporation’s revenue for fiscal 2026 (year ended March 2026) was $585.2 million, up 3.72% from fiscal 2025.

Revenue
+3.53%
EPS
+605.3%
Free cash flow
+9.97%
Total debt
−14.0%

Quarter to September 2026, against a year earlier

148.82 0.76 −0.51%
Market cap
$673.1M
P/E
13.9×
Fwd P/E
12.7×
Dividend yield
—
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 44.91
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 3 — — 1 1 1 5 1 4 — 2 1
Insider Ownership 18.74%

Capital & Financial Ratios $m

Size
Market Cap 673.11
Revenue ttm 596.34
Net income ttm 39.11
Free cash flow ttm 262.01
Net debt Q 475.21
Valuation
P/E 13.94
Forward P/E 12.70
Price / sales 1.13
Forward P/S Powerpack
Price / FCF 2.61
Price / book 1.86
Financial health
Current ratio Q 14.38
Debt / equity Q 1.44
Interest coverage Q 2.00
Growth
Revenue growth Q +3.53% (above 0%: growing)
Operating income growth Q −4,045.08% (below 0%: shrinking)
EPS, this year +97.13% (at or above 15%: strong)
EPS, next year A +10.19%
Revenue, next year A +3.12%
EPS, past 5 yrs −12.03% (below 0%: weak)
EPS, next 5 yrs A +35.76% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 45.58%
10-year low 10-year high
P/S against its own 10 years 31.54%
10-year low 10-year high
P/B against its own 10 years 56.25%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 12 10 29 27
Receivables 3 — 2 6
Inventory — — — —
Other — — — —
862 823 874 889
2024 2025 2026 Q'26
Payables 54 42 38 62
ST’ Debt — — — —
Other — — — —
54 43 38 62

Compound Annual Growth %

10y 5y 3y
Sales 0.49% 2.08% (1.73%)
Cash Flow 2.33% 2.71% (3.83%)
Earnings (8.85%) (17.09%) 17.66%
Book Value (1.10%) (2.82%) (3.05%)

Earnings Trends EPS, adjusted, against the consensus

Q2 FY27 Estimate 0.78 Actual 1.93

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY26 2.44 0.25 Miss by 2.19
Q2 FY26 1.87 −0.38 Miss by 2.25
Q3 FY26 0.58 −0.19 Miss by 0.77
Q2 FY27 0.78 1.93 Beat by 1.15
Q3 FY27 1.04 — Reports 26 January 2027

EPS $

Jun Sep Dec Mar Year
’26 1.33 1.92 — — —
’26 0.30 (0.38) (0.19) 7.70 6.97
’25 1.79 3.99 2.45 8.13 16.30
’24 1.62 2.71 2.84 6.09 13.19
’23 (1.53) (0.11) 0.98 4.37 3.60
’22 2.44 1.94 1.14 2.97 8.47
’21 2.24 1.96 2.25 6.96 13.23
Fiscal quarters ending in the months shown.

Revenue $m

Jun Sep Dec Mar Year
’26 139 139 — — —
’26 133 134 141 177 585
’25 130 131 139 165 564
’24 139 137 138 159 573
’23 158 151 147 161 617
’22 130 138 149 169 585
’21 124 124 131 149 528
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Jun Sep Dec Mar Year
’26 64 — — — —
’26 58 49 58 95 259
’25 48 54 61 91 254
’24 60 63 59 84 266
’23 58 78 69 86 292
’22 49 58 60 105 272
’21 52 28 51 96 227
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Jun Sep Dec Mar Year
’26 63 — — — —
’26 58 48 57 94 256
’25 47 53 61 90 251
’24 58 62 58 82 260
’23 57 77 68 85 286
’22 48 54 58 102 265
’21 48 29 41 93 211
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to March

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Sep ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 491 503 545 590 528 585 617 573 564 585 596 +2.0% 603 642 682 +5.2%
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT 106 97 90 35 111 66 27 99 111 45 64 (9.0%)
EBT margin, % 21.59 19.27 16.51 5.92 21.10 11.21 4.40 17.28 19.73 7.73 10.77 (13.9) pt
Net income 74 54 37 28 88 54 21 77 89 35 39 (8.0%)
Per share, $
Per share, $ Revenue 56.38 57.18 60.55 76.75 81.30 96.37 107.24 99.64 103.99 118.43 0.00 +8.6%
Earnings 8.38 5.99 4.05 3.86 13.23 8.47 3.60 13.19 16.30 6.97 10.76 (2.0%)
Cash flow 25.20 24.80 27.20 36.55 34.95 44.87 50.71 46.23 46.85 52.49 59.12 +8.5%
Capex (1.17) (1.23) (2.17) (3.31) (2.45) (1.16) (0.92) (0.97) (0.58) (0.63) (0.79) (6.7%)
Free cash flow 24.03 23.57 25.03 33.24 32.50 43.71 49.79 45.26 46.27 51.87 58.33 +8.9%
Book value 52.96 61.55 61.39 53.59 62.35 61.43 67.01 73.83 80.55 71.04 0.00 +3.3%
Shares, m 9 9 9 8 6 6 6 6 5 5 5 (6.1%)
Valuation, ×
Valuation, × P/E 6.17 17.42 29.10 14.56 9.68 22.60 22.46 10.48 7.74 18.18 13.94 15.8
P/S 0.92 1.81 1.98 0.71 1.60 1.99 0.78 1.39 1.22 1.14 1.13 1.4
P/B 0.98 1.68 1.96 1.02 2.08 3.12 1.24 1.88 1.57 1.90 1.86 1.7
EV/Sales 1.49 2.28 2.43 1.46 2.33 3.14 1.72 2.24 1.99 1.85 — 2.1
EV/FCF 3.49 5.52 5.88 3.36 5.84 6.99 3.74 5.00 4.54 4.28 — 4.9
Cash, $m
Cash, $m Operating cash flow 219 218 245 281 227 272 292 266 254 259 266 +1.9%
Capex (10) (11) (20) (25) (16) (7) (5) (6) (3) (3) (4) (12.4%)
Free cash flow 209 207 225 256 211 265 286 260 251 256 262 +2.3%
Balance, $m
Balance, $m Working capital 667 644 714 752 697 939 851 808 780 836 827 +2.5%
Net debt 280 232 243 439 389 673 579 484 437 415 475 +4.5%
Shareholders’ equity 461 541 552 412 405 373 385 424 437 351 349 (3.0%)
Returns, %
Returns, % ROA 9.16 6.54 4.39 2.99 8.90 4.96 1.82 7.09 8.64 3.35 4.64 (5.8) pt
ROIC 8.94 7.83 7.07 2.56 8.77 3.92 1.76 6.81 7.96 3.69 (1.31) (5.2) pt
ROE 17.26 10.71 6.81 5.84 21.61 13.86 5.60 19.03 20.72 8.78 0.00 (8.5) pt
People
People Employees 4,851 3,419 3,624 3,744 3,175 3,121 3,075 2,872 2,838 2,907 — (5.5%)
Revenue/emp, $m 0.10 0.15 0.15 0.16 0.17 0.19 0.20 0.20 0.20 0.20 — +7.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Mar 2026 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

World Acceptance Corporation vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
PRAA PRA Group, Inc. $768.8M — (loss-making) 5.9× +29.37% (above 0%: growing) +40.74% (above 0%: growing) −172.63% (below 0%: shrinking) 100.00% 41.19% Compare
LU Lufax Holding Ltd. Sponsored ADR $723.6M — (loss-making) — (loss-making) +12.08% (above 0%: growing) n/m −108.45% (below 0%: shrinking) 100.00% 63.39% Compare
GDOT Green Dot Corporation $708.9M — (loss-making) 58.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%) Compare
WRLD World Acceptance Corporation $673.1M 13.9× 12.7× +3.53% (above 0%: growing) n/m +9.97% (above 0%: growing) 100.00% 16.75%
QFIN Qfin Holdings Inc. - Sponsored ADR $665.6M 1.3× 2.1× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
Median of peers $716.3M 5.6× 7.0× +7.63% −15.78% −31.99% 84.62% 18.09%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 22 July 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 6.71m 6.14m 104.07
2025 2.28m (6.97m) 97.53
2024 965.74k 7.27m 111.73
2023 956.59k (12.83m) 64.19
2022 933.97k 9.95m 147.84

Ownership

Directors and executive officers, together 38.00%
Scott J. Vassalluzzo 31.90%
Prescott General Partners, LLC 31.20%
Thomas W. Smith 11.90%
BlackRock, Inc. 11.10%
The Vanguard Group 8.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

World Acceptance Corporation (WRLD) Latest News

24 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · Business Wire
Impact 4 · · GuruFocus.com
Impact 4 · · Associated Press Finance
Impact 3 · · Moby transcript
Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat
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Impact 3 · · Zacks
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21 Sep

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24 Jul

Impact 4 ·
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Impact 3 · · Moby transcript
Impact 3 · · MarketBeat
Impact 3 · · InvestorsHub

1 May

Impact 4 · · MarketBeat

30 Apr

Impact 4 · · Business Wire

13 Apr

Impact 3 · · Business Wire

17 Feb

Impact 3 · · Business Wire

27 Jan

Impact 4 · · GuruFocus.com transcript
Impact 4 · · MarketBeat transcript
Impact 4 · · Associated Press Finance earnings
Impact 4 · · Business Wire
Impact 3 · · The Motley Fool transcript
Impact 3 · · Zacks

13 Jan

Impact 3 · · Simply Wall St.

6 Oct

Impact 4 · · Simply Wall St.

4 Sep

Impact 4 · · Simply Wall St.

1 Aug

Impact 4 · · Simply Wall St.
stockrow.com/WRLD · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com