Saturday 17 October 2026 Export WRLD’s income statement to Excel — free account

World Acceptance Corporation

World Acceptance Corporation’s revenue for fiscal 2026 (year ended March 2026) was $585.2 million, up 3.72% from fiscal 2025. In the quarter to June 2026, revenue grew 4.85%, EPS grew 432.0%, free cash flow grew 9.97% and total debt was flat, each against the same quarter a year earlier.

171.66 0.71 −0.41%

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Market cap: $803.8M
P/E: 20.3×
Fwd P/E: 15.2×
Dividend yield: —
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 29.23

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	3	—	—	1	1	1	5	1	4	—	—

Insider Ownership 15.63%

Capital & Financial Ratios $m

Market Cap 803.80

Revenue 591.60

Net Income 39.11

Free Cash Flow 262.01

Net Debt 439.67

Current Ratio 13.49

Debt/Equity 1.29

P/E ratio 20.29

Fwd P/E 15.20

P/S ratio 1.30

P/B ratio 2.13

Past 5Y EPS Growth (12.03%)

This Y EPS Growth 89.10%

Next Y EPS Growth 14.87%

Next Y revenue growth 4.77%

Next 5Y EPS Growth 35.76%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 74.75%

10-year low 10-year high

P/S against its own 10 years 48.43%

10-year low 10-year high

P/B against its own 10 years 78.33%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2018	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2024	2025	2026	Q'26
Cash	12	10	29	28
Receivables	3	—	2	8
Inventory	—	—	—	—
Other	—	—	—	—
	862	823	874	880

	2024	2025	2026	Q'26
Payables	54	42	38	65
ST’ Debt	—	—	—	—
Other	—	—	—	—
	54	43	38	65

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%)

Revenue $m

	Jun	Sep	Dec	Mar	Year
’26	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.

EPS $

	Jun	Sep	Dec	Mar	Year
’26	1.33	—	—	—	—
’26	0.25	(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.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	42.01	80.35	84.56	43.16	100.71	58.44	63.75	101.85	104.99	110.00	Analyst estimates 2027–2029 Powerpack
	High	88.26	125.14	175.78	124.02	265.75	243.24	160.07	149.31	185.48	227.68
People
People	Employees	4,851	3,419	3,624	3,744	3,175	3,121	3,075	2,872	2,838	2,907
	Revenue/emp, $m	0.10	0.15	0.15	0.16	0.17	0.19	0.20	0.20	0.20	0.20
Income, $m
Income, $m	Revenue	491	503	545	590	528	585	617	573	564	585
	Gross margin, %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	106	97	90	35	111	66	27	99	111	45
	EBT margin, %	21.59	19.27	16.51	5.92	21.10	11.21	4.40	17.28	19.73	7.73
	Net income	74	54	37	28	88	54	21	77	89	35
	Depreciation	9	9	9	37	32	34	28	27	25	25
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
	Earnings	8.38	5.99	4.05	3.86	13.23	8.47	3.60	13.19	16.30	6.97
	Cash flow	25.20	24.80	27.20	36.55	34.95	44.87	50.71	46.23	46.85	52.49
	Capex	(1.17)	(1.23)	(2.17)	(3.31)	(2.45)	(1.16)	(0.92)	(0.97)	(0.58)	(0.63)
	Free cash flow	24.03	23.57	25.03	33.24	32.50	43.71	49.79	45.26	46.27	51.87
	Book value	52.96	61.55	61.39	53.59	62.35	61.43	67.01	73.83	80.55	71.04
	Shares, m	9	9	9	8	6	6	6	6	5	5
Valuation, ×
Valuation, ×	P/E	6.17	17.42	29.10	14.56	9.68	22.60	22.46	10.48	7.74	18.30
	P/S	0.92	1.81	1.98	0.71	1.60	1.99	0.78	1.39	1.22	1.14
	P/B	0.98	1.68	1.96	1.02	2.08	3.12	1.24	1.88	1.57	1.90
	EV/Sales	1.49	2.28	2.43	1.46	2.33	3.14	1.72	2.24	1.99	1.85
	EV/FCF	3.49	5.52	5.88	3.36	5.84	6.99	3.74	5.00	4.54	4.28
Cash, $m
Cash, $m	Operating cash flow	219	218	245	281	227	272	292	266	254	259
	Capex	(10)	(11)	(20)	(25)	(16)	(7)	(5)	(6)	(3)	(3)
	Free cash flow	209	207	225	256	211	265	286	260	251	256
Balance, $m
Balance, $m	Working capital	667	644	714	752	697	939	851	808	780	836
	Total debt	295	245	252	451	405	692	595	496	447	444
	Net debt	280	232	243	439	389	673	579	484	437	415
	Shareholders’ equity	461	541	552	412	405	373	385	424	437	351
Returns, %
Returns, %	ROA	9.16	6.54	4.39	2.99	8.90	4.96	1.82	7.09	8.64	3.35
	ROIC	8.94	7.83	7.07	2.56	8.77	3.92	1.76	6.81	7.96	3.69
	ROE	17.26	10.71	6.81	5.84	21.61	13.86	5.60	19.03	20.72	8.78

Negative figures in brackets.

All 10 years →

Fiscal years to Mar 2026 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ATLC Atlanticus Holdings Corporation	$1.4B	9.6×	8.8×	+88.84% (above 0%: growing)	+67.38% (above 0%: growing)	+112.08% (above 0%: growing)	83.42%	0.00%	Compare
JCAP Jefferson Capital, Inc.	$1.2B	8.4×	6.3×	+16.26% (above 0%: growing)	−96.40% (below 0%: shrinking)	−45.57% (below 0%: shrinking)	63.06%	45.87%	Compare
NAVI Navient Corporation	$896.6M	— (loss-making)	10.6×	−11.91% (below 0%: shrinking)	+92.86% (above 0%: growing)	+13.49% (above 0%: growing)	21.13%	0.00%	Compare
WRLD World Acceptance Corporation	$803.8M	20.3×	15.2×	+4.85% (above 0%: growing)	+432.00% (above 0%: growing)	+9.97% (above 0%: growing)	100.00%	13.88%
PRAA PRA Group, Inc.	$751.1M	— (loss-making)	6.0×	+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	$740.9M	— (loss-making)	2.4×	−4.84% (below 0%: shrinking)	n/m	−225.59% (below 0%: shrinking)	100.00%	68.30%	Compare
QFIN Qfin Holdings Inc. - Sponsored ADR	$709.5M	1.3×	3.6×	−27.81% (below 0%: shrinking)	−72.53% (below 0%: shrinking)	−55.53% (below 0%: shrinking)	81.04%	36.17%	Compare
GDOT Green Dot Corporation	$698.6M	— (loss-making)	11.6×	+18.19% (above 0%: growing)	n/m	+61.21% (above 0%: growing)	100.00%	(0.13%)	Compare
OPFI OppFi Inc.	$491.7M	1.7×	4.3×	−14.04% (below 0%: shrinking)	n/m	−3.92% (below 0%: shrinking)	86.77%	37.69%	Compare
Median of peers	$746.0M	5.0×	6.1×	+5.71%	+40.74%	−24.74%	85.10%	36.93%

All 55 Credit Services stocks →

World Acceptance Corporation (WRLD) key facts

Strength: World Acceptance Corporation’s revenue for fiscal 2026 (year ended March 2026) was $585.2 million, up 3.72% from fiscal 2025.
World Acceptance Corporation (WRLD) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, WRLD traded at $171.66, a market capitalization of $803.8 million.
Return on equity was 8.78% and debt-to-equity 1.29.
Its Piotroski F-score is 7 out of 9 for fiscal 2026.

Source: company filings (standardised) and stockrow calculations.