World Acceptance Corporation WRLD

171.99 1.24 0.73% as of 25 Sep
Market cap
$796.2M
P/E
20.3×
Mar '26 Mar '25 Mar '24 Mar '23 Mar '22 Mar '21 Mar '20 Mar '19 Mar '18 Mar '17
P/E ratio
18.30 7.74 10.48 22.46 22.60 9.68 14.56 29.10 17.42 6.17
P/S ratio
1.14 1.22 1.39 0.78 1.99 1.60 0.71 1.98 1.81 0.92
P/FCF ratio
2.64 2.78 3.11 1.69 4.43 3.99 1.64 4.80 4.40 2.16
P/Operating CF
7.05 7.55 9.53 5.59 11.09 8.82 3.80 13.42 12.58 7.11
P/B ratio
1.90 1.57 1.88 1.24 3.12 2.08 1.02 1.96 1.68 0.98
Price to Tangible BV
1.97 1.63 1.97 1.32 3.37 2.25 1.10 2.04 1.73 1.01
EV/Sales
1.85 1.99 2.24 1.72 3.14 2.33 1.46 2.43 2.28 1.49
EV/EBITDA
9.03 6.28 7.37 10.01 13.86 7.29 8.82 11.36 9.14 5.34
EV/Operating CF
4.17 4.42 4.83 3.63 6.75 5.43 3.06 5.41 5.25 3.33
EV/FCF
4.28 4.54 5.00 3.74 6.99 5.84 3.36 5.88 5.52 3.49
Quick Ratio
0.84 0.23 0.28 0.31 0.29 0.30 0.25 0.18 0.26 0.34
Current Ratio
22.99 19.32 15.98 17.03 15.36 14.24 12.70 15.02 14.53 16.02
Net Debt/EBITDA
3.46 2.44 2.78 5.48 5.08 2.30 4.51 2.08 1.86 2.05
Debt/Assets
42.11% 44.31% 46.96% 53.28% 56.84% 42.44% 43.79% 29.47% 29.12% 36.86%
Debt/Equity
1.26 1.02 1.17 1.55 1.86 1.00 1.10 0.46 0.45 0.64
Asset Turnover
0.57 0.55 0.53 0.53 0.54 0.53 0.63 0.64 0.61 0.61
Operating CF/Net income
7.50 2.85 3.45 13.73 5.05 2.57 9.98 6.57 4.06 2.98
Capex/Depreciation
(0.12) (0.13) (0.21) (0.19) (0.21) (0.50) (0.70) (2.24) (1.18) (1.07)
Interest Coverage
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ROE
8.78% 20.72% 19.03% 5.60% 13.86% 21.61% 5.84% 6.81% 10.71% 17.26%
ROA
3.35% 8.64% 7.09% 1.82% 4.96% 8.90% 2.99% 4.39% 6.54% 9.16%
ROIC
3.69% 7.96% 6.81% 1.76% 3.92% 8.77% 2.56% 7.07% 7.83% 8.94%
Return on Tangible Assets
4.05% 11.16% 9.27% 2.43% 5.59% 12.23% 3.63% 5.04% 8.05% 10.66%
Average Days of Receivables
1.51 0.00 1.97 0.00 0.00 0.00 2.64 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
51.59% 42.71% 46.89% 45.33% 51.26% 57.70% 58.89% 52.94% 53.54% 49.77%
Intangible Assets out of Total Assets
0.01 0.01 0.02 0.02 0.02 0.03 0.03 0.03 0.02 0.02
Share Based Compensation of Revenue
3.31% (3.49%) (0.29%) 1.47% 3.00% 3.65% 4.91% 3.24% 1.08% 0.98%
Graham Net Nets
0.26 0.37 0.29 0.36 0.14 0.24 0.47 0.43 0.43 0.82
Graham Number
108.61 172.19 148.41 74.78 108.33 137.16 67.26 75.53 90.78 99.99
Earnings Yield
5.47% 12.93% 9.54% 4.45% 4.43% 10.33% 6.87% 3.44% 5.74% 16.20%
Free Cash Flow Yield
37.85% 36.03% 32.11% 59.01% 22.57% 25.05% 60.86% 20.82% 22.73% 46.39%
Revenue per Share
118.43 103.99 99.64 107.24 96.37 81.30 76.75 60.55 57.18 56.38
Operating CF per Share
52.49 46.85 46.23 50.71 44.87 34.95 36.55 27.20 24.80 25.20
Capex per Share
(0.63) (0.58) (0.97) (0.92) (1.16) (2.45) (3.31) (2.17) (1.23) (1.17)
Free Cash Flow per Share
51.87 46.27 45.26 49.79 43.71 32.50 33.24 25.03 23.57 24.03
Cash per Share
5.95 1.79 2.06 2.87 3.17 2.42 1.51 1.04 1.42 1.75
Shareholders Equity per Share
71.04 80.55 73.83 67.01 61.43 62.35 53.59 61.39 61.55 52.96
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
71.04 80.55 73.83 67.01 61.43 62.35 53.59 61.39 61.55 52.96
Free Cash Flow
256.27 251.03 260.20 286.26 265.39 211.05 255.53 225.10 207.18 209.22
Working Capital
835.68 780.11 808.40 851.20 939.32 696.79 751.76 714.03 644.03 666.51
Capital Expenditures
(3.09) (3.13) (5.58) (5.30) (7.05) (15.90) (25.45) (19.56) (10.85) (10.14)
Net Current Asset Value
170.56 251.20 230.45 172.21 159.48 200.06 197.90 462.09 391.75 371.38
EV/EBIT
11.43 7.30 8.71 13.63 18.57 8.99 14.13 12.28 9.86 5.73
Capex to Sales
0.01 0.01 0.01 0.01 0.01 0.03 0.04 0.04 0.02 0.02
Net Profit Margin
5.91% 15.82% 13.45% 3.44% 9.21% 16.72% 4.77% 6.84% 10.68% 15.00%
Price to Operating Income
14.75 6.17 8.07 17.64 17.76 7.56 12.03 12.03 9.41 4.25
Other line items
Depreciation/Fixed assets
1.44 1.26 1.17 1.17 1.37 1.26 1.48 0.34 0.40 0.39
Cash ROIC
29.35% 26.23% 26.05% 26.84% 22.86% 24.42% 29.29% 26.95% 24.45% 25.30%
Accounts Receivable Turnover
212.33 0.00 155.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Receivables
2.76 — 3.68 — — — — — — —
Average Payables
40.18 48.17 52.27 54.30 49.54 50.17 49.34 36.44 32.69 31.62
Average Assets
1,031.30 1,032.42 1,086.83 1,167.81 1,086.28 992.18 942.54 847.99 820.79 803.40
Average Common Equity
394.00 430.71 404.83 379.13 388.98 408.45 482.04 546.61 501.09 426.48

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