World Acceptance Corporation WRLD

171.99 1.24 0.73% as of 25 Sep
Market cap
$796.2M
P/E
20.3×

Insider Decisions

Total sells 29.23
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — 3 — — 1 1 1 5 1 4 —
Insider Ownership 15.63%

Capital & Financial Ratios

Market Cap 796.24
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 20.33
P/S ratio 1.31
P/B ratio 2.13
Past 5Y EPS Growth 35.71%
This Y EPS Growth 89.10%
Next Y EPS Growth 14.87%
Next 5Y EPS Growth (5.79%)
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2018 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

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

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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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
in millions of $ · 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

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029
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
Low Price
88.26 125.14 175.78 124.02 265.75 243.24 160.07 149.31 185.48 227.68
High Price
4,851 3,419 3,624 3,744 3,175 3,121 3,075 2,872 2,838 2,907
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
491 503 545 590 528 585 617 573 564 585
Revenue
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Gross Margin
106 97 90 35 111 66 27 99 111 45
EBT
21.59% 19.27% 16.51% 5.92% 21.10% 11.21% 4.40% 17.28% 19.73% 7.73%
EBT Margin
74 54 37 28 88 54 21 77 89 35
Net Income
9 9 9 37 32 34 28 27 25 25
Depreciation
56.38 57.18 60.55 76.75 81.30 96.37 107.24 99.64 103.99 118.43
Revenue/Sh
8.38 5.99 4.05 3.86 13.23 8.47 3.60 13.19 16.30 6.97
Earnings/Sh
25.20 24.80 27.20 36.55 34.95 44.87 50.71 46.23 46.85 52.49
Cash Flow/Sh
(1.17) (1.23) (2.17) (3.31) (2.45) (1.16) (0.92) (0.97) (0.58) (0.63)
Capex/Sh
24.03 23.57 25.03 33.24 32.50 43.71 49.79 45.26 46.27 51.87
Free CF/Sh
52.96 61.55 61.39 53.59 62.35 61.43 67.01 73.83 80.55 71.04
Book Value/Sh
9 9 9 8 6 6 6 6 5 5
Shares
6.17 17.42 29.10 14.56 9.68 22.60 22.46 10.48 7.74 18.30
PE Ratio
0.92 1.81 1.98 0.71 1.60 1.99 0.78 1.39 1.22 1.14
PS Ratio
0.98 1.68 1.96 1.02 2.08 3.12 1.24 1.88 1.57 1.90
PB Ratio
1.49 2.28 2.43 1.46 2.33 3.14 1.72 2.24 1.99 1.85
EV/Sales
3.49 5.52 5.88 3.36 5.84 6.99 3.74 5.00 4.54 4.28
EV/FCF
219 218 245 281 227 272 292 266 254 259
Op' Cash Flow
(10) (11) (20) (25) (16) (7) (5) (6) (3) (3)
Capex
209 207 225 256 211 265 286 260 251 256
FCF
667 644 714 752 697 939 851 808 780 836
Working Cap'
295 245 252 451 405 692 595 496 447 444
Total Debt
280 232 243 439 389 673 579 484 437 415
Net Debt
461 541 552 412 405 373 385 424 437 351
Sh' Equity
9.16% 6.54% 4.39% 2.99% 8.90% 4.96% 1.82% 7.09% 8.64% 3.35%
ROA
8.94% 7.83% 7.07% 2.56% 8.77% 3.92% 1.76% 6.81% 7.96% 3.69%
ROIC
17.26% 10.71% 6.81% 5.84% 21.61% 13.86% 5.60% 19.03% 20.72% 8.78%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Mar 2026 · latest quarter Jun 2026

World Acceptance Corporation peers in Credit Services

All 55 Credit Services stocks →

World Acceptance Corporation (WRLD) key facts

  • World Acceptance Corporation (WRLD) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • World Acceptance Corporation’s revenue for fiscal 2026 (year ended March 2026) was $585.2 million, up 3.72% from fiscal 2025.
  • As of September 25, 2026, WRLD traded at $171.99, a market capitalization of $796.2 million.
  • Return on equity was 8.78% and debt-to-equity 1.29.

Source: company filings (standardised) and stockrow calculations.

World Acceptance Corporation (WRLD) Latest News

News by impact score

Fine-tune

21 Sep

3

World Acceptance Corporation appointed John L. Calmes Jr. as President and Chief Executive Officer, effective September 21, 2026. Calmes previously served as Executive Vice President, Chief Financial and Strategy Officer, and Treasurer, and is credited with driving financial discipline and a strong balance sheet. Board Chairman Ken Bramlett Jr. said Calmes has the respect of the organization and will hit the ground running. Calmes expressed honor and optimism about presiding over the company’s 60-year legacy of helping customers reach financial goals and building on a solid foundation, noting first-half results were strong and in line with the prior quarter. The release highlights ongoing risks around executive changes and includes standard forward-looking caution. World Acceptance operates primarily in personal installment loans and tax services, with about 1,000 branches in 16 states serving customers with limited access to credit. Insider promotion supports continuity and could modestly boost sentiment, but core business and competitive dynamics remain largely unchanged.

24 Jul

4

World Acceptance Corporation released its fiscal 2027 first quarter results. Quarterly earnings releases typically drive notable stock price reactions and shifts in investor views for the company.

4

World Acceptance Corporation reported its financial results for the first quarter of fiscal 2026, highlighting key metrics such as revenue, net income, and loan growth. The company experienced an increase in total revenue compared to the previous year, driven by higher loan originations and improved collections. Additionally, management provided insights into strategic initiatives aimed at enhancing operational efficiency and customer service. The outlook for the remainder of the fiscal year remains positive, with expectations for continued growth in the lending sector. The financial results indicate significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3

World Acceptance Corp (WRLD) reported strong revenue growth during its Q1 2027 earnings call. Strong revenue growth in Q1 2027 earnings signals moderately positive effects on financial performance and investor views.

3 transcript

World Acceptance Corporation held its Q1 2027 earnings call covering quarterly financial results and operational outlook. Quarterly earnings and guidance directly shape near-term financial expectations and stock valuation.

3

World Acceptance Corporation released Q1 earnings call highlights covering financial results and operational updates. Q1 earnings metrics can moderately shift near-term investor sentiment and valuation for WRLD.

3

World Acceptance Corporation beat earnings forecasts but posted revenue below expectations. Earnings beat offset by revenue miss points to moderate influence on near-term stock movement and outlook.

3

World Acceptance (WRLD) reported Q1 earnings of $0.25 per share, significantly missing the Zacks Consensus Estimate of $2.44 per share and down from $1.79 per share a year ago, marking an earnings surprise of -89.75%. The company posted revenues of $132.45 million, exceeding estimates by 3.48% and up from $129.53 million year-over-year. Despite outperforming the market with a 52.4% gain this year, the stock holds a Zacks Rank #3 (Hold) due to mixed earnings outlooks. The current consensus EPS estimate for the next quarter is $1.80, with $130 million in revenues expected. The Financial - Consumer Loans industry ranks in the bottom 22% of Zacks industries, which may impact stock performance. Earnings miss and mixed outlook suggest a moderately noticeable influence on future performance.

1 May

4

World Acceptance Corporation (WRLD) released highlights from its Q4 earnings call. Q4 earnings call highlights detail financial results and guidance directly impacting stock performance and investor outlook.

30 Apr

4

World Acceptance Corporation reported fiscal 2026 fourth quarter results, detailing revenue, net income, loan volumes, and future outlook. Year-end quarterly earnings directly impact financial performance metrics and investor expectations for the company's trajectory.

13 Apr

3

World Acceptance Corporation has named Janet Matricciani as interim CEO. Interim CEO appointment introduces management uncertainty with moderate potential to influence operations and investor sentiment.

17 Feb

3

World Acceptance Corporation (WRLD) names J. Tobin Turner Executive Vice President and Chief Operating Officer. Appointment of a new COO impacts operational leadership and strategy but remains balanced by other factors.

27 Jan

4 transcript

World Acceptance Corporation (WRLD) reported strong customer growth in its Q3 2026 earnings call, highlighting an increase in loan originations and improved customer engagement. The company emphasized its strategic initiatives aimed at expanding its market presence and enhancing service offerings. Financial metrics showed positive trends, indicating resilience in a competitive landscape. Management expressed optimism about future growth prospects and ongoing efforts to adapt to changing market conditions. Strong customer growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

4 transcript

World Acceptance Corporation reported its Q3 earnings, highlighting a significant increase in revenue and net income compared to the previous year. The company attributed this growth to improved loan performance and effective cost management strategies. Additionally, management provided insights into future growth initiatives and market expansion plans, emphasizing a commitment to enhancing customer service and operational efficiency. The outlook for the upcoming quarters appears optimistic, with expectations for continued profitability and strategic investments. The reported revenue and net income growth, along with future expansion plans, indicate a significant positive shift in the company's trajectory.

4 earnings

World Acceptance Corporation reported its fiscal Q3 earnings, highlighting key financial metrics and performance indicators. The company showed growth in revenue and net income compared to the previous year, driven by increased loan demand and improved operational efficiency. Management provided insights into future strategies and market conditions, indicating a positive outlook despite potential challenges in the lending environment. Overall, the earnings report reflects a solid performance and strategic positioning for continued growth. The earnings report indicates significant growth and strategic insights that could alter the company's trajectory and investor sentiment.

4

World Acceptance Corporation reported its financial results for the third quarter of fiscal 2026, highlighting key metrics such as revenue, net income, and loan growth. The company experienced an increase in total revenue compared to the previous year, driven by higher loan originations and improved collections. Additionally, operational efficiencies contributed to a rise in net income. The management expressed optimism about future growth prospects and ongoing strategic initiatives aimed at enhancing customer service and expanding market reach. The reported financial results indicate significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3 transcript

World Acceptance Corporation reported its latest earnings, highlighting key financial metrics and operational updates. The company discussed its performance in the consumer finance sector, addressing challenges and opportunities in the current market environment. Management provided insights into strategic initiatives aimed at enhancing growth and profitability, while also outlining expectations for future performance. Overall, the earnings call reflected a cautious yet optimistic outlook for the company amidst ongoing economic conditions. Moderate influence on financial performance and competitive positioning is expected due to strategic initiatives discussed.

3

World Acceptance Corporation (WRLD) reported a loss for Q3, exceeding revenue estimates despite the negative earnings. The company's financial performance reflects ongoing challenges, but the revenue figures indicate some resilience in its operations. Investors are likely to scrutinize the implications of these results on future growth and market positioning. The loss in Q3 suggests potential challenges ahead, but beating revenue estimates indicates some positive aspects that may balance the overall impact.

13 Jan

3

World Acceptance Corporation (WRLD) experienced a 7.9% decline this week, aligning its yearly returns more closely with its earnings growth. The company's performance reflects broader market trends and investor sentiment, indicating potential challenges ahead. The decline in stock price suggests a moderately noticeable influence on investor sentiment and financial performance.

23 Oct

4

World Acceptance Corporation (WRLD) reported record new customer growth in its Q2 2026 earnings call, highlighting strong performance and strategic initiatives aimed at expanding its market presence. The company emphasized its focus on customer acquisition and retention, which contributed to improved financial metrics. Management expressed optimism about future growth prospects, driven by ongoing investments in technology and service enhancements. Record customer growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

4

World Acceptance Corporation reported its fiscal Q2 earnings, showing a notable increase in revenue and net income compared to the previous year. The company attributed this growth to improved loan performance and effective cost management strategies. Additionally, management provided an optimistic outlook for the upcoming quarters, highlighting plans for expansion and enhanced customer service initiatives. The results reflect a positive trend in the company's financial health, suggesting a strong position in the market. The significant increase in revenue and net income, along with plans for expansion, indicates a likely positive shift in the company's trajectory.

3

World Acceptance Corporation (WRLD) has demonstrated margin expansion, which supports bullish narratives despite a slowdown in revenue growth. The company's ability to improve margins indicates operational efficiency and potential for future profitability, even as revenue growth rates decline. Investors remain optimistic about WRLD's strategic positioning and financial health, suggesting that the company may navigate current challenges effectively. Margin expansion amidst slower revenue growth indicates a moderately noticeable influence on financial performance and investor sentiment.

3

World Acceptance Corporation (WRLD) reported a loss for Q2, exceeding revenue estimates despite the negative earnings. The company continues to face challenges but managed to outperform expectations in terms of revenue, indicating some resilience in its operations. The loss reported may affect investor sentiment, but the revenue beat suggests some stability in operations.

3

World Acceptance Corporation reported its fiscal 2026 second quarter results, highlighting key financial metrics and performance indicators. The company experienced changes in revenue, net income, and operational efficiency compared to the previous quarter. Management provided insights into strategic initiatives and market conditions affecting future growth. Overall, the report reflects the company's ongoing efforts to adapt to market dynamics and enhance shareholder value. The financial results indicate moderate changes that may influence the company's performance but are not expected to drastically alter its trajectory.

6 Oct

4

World Acceptance Corporation (WRLD) is highlighted as an undiscovered gem in the US market, showcasing its potential for growth and profitability. The article emphasizes the company's strong financial performance, innovative product offerings, and strategic positioning within the consumer finance sector. Analysts suggest that WRLD's focus on underserved markets and commitment to customer service could drive future success. Additionally, the company's recent initiatives and market trends indicate a favorable outlook, making it an attractive investment opportunity for those seeking growth in the financial services industry. Significant strategic moves and market positioning are expected to alter the company's trajectory and investor sentiment.

4 Sep

4

World Acceptance Corporation (WRLD) is highlighted as an undervalued investment opportunity in the U.S. market for September 2025. The article emphasizes the company's strong fundamentals, growth potential, and favorable market conditions that could lead to significant returns for investors. Analysts suggest that WRLD's strategic initiatives and market positioning make it a compelling choice for those seeking undiscovered gems in the financial sector. WRLD's strategic initiatives and favorable market conditions are expected to significantly influence its future performance and investor sentiment.

1 Aug

4

World Acceptance Corporation (WRLD) is highlighted as a promising investment opportunity in August 2025, showcasing its strong financial performance and strategic initiatives aimed at expanding its market presence. The company has demonstrated resilience in a competitive landscape, with innovative product offerings and a focus on customer service. Analysts predict continued growth driven by favorable market conditions and effective management strategies, positioning WRLD as an undiscovered gem in the U.S. market. Significant strategic initiatives and market positioning are expected to alter the company's trajectory.

25 Jul

4

World Acceptance Corporation reported its fiscal Q1 earnings, highlighting a significant increase in revenue and net income compared to the previous year. The company attributed this growth to improved loan performance and effective cost management strategies. Additionally, management provided an optimistic outlook for the upcoming quarters, anticipating continued growth driven by strategic initiatives and market expansion efforts. The earnings report indicates strong financial performance and a positive outlook, suggesting significant potential for future growth and investor sentiment.

3

World Acceptance Corporation (WRLD) reported a net income of approximately $45 million since January 1, 2025, and increased its credit agreement commitments to $640 million, allowing for stock repurchases. The company plans to redeem $170 million in outstanding bonds by August, enabling accelerated stock repurchases. New originations grew by 12.6%, and the customer base increased by 4%, marking the first growth in three years. However, earnings are seasonal, and the company is cautious about portfolio growth, with a decrease in new customers potentially limiting future expansion. Delinquency rates improved due to a reduction in new customer risk, and gross yields increased by over 230 basis points year-over-year. The company's strategic moves and growth in new originations and customer base indicate a moderately noticeable influence on future performance.

2 Jul

3

World Acceptance Corporation (WRLD) is highlighted as one of three promising investment opportunities in the U.S. market. The company has shown resilience and potential for growth, particularly in the consumer finance sector. Analysts suggest that WRLD's strategic initiatives and market positioning could lead to significant returns for investors. The article emphasizes the importance of recognizing undervalued stocks like WRLD that may not yet be on the radar of mainstream investors. The company's strategic initiatives and market positioning may moderately influence its financial performance and competitive standing.

stockrow.com/WRLD · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com