World Acceptance Corporation/$WRLD
1D1W1MYTD1Y5YMAX
Capital at risk
About World Acceptance Corporation
World Acceptance Corp operates a small-loan consumer finance (installment loan) business. It offers short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. The Company generally serves individuals with limited access to other sources of consumer credit such as banks, credit unions, other consumer finance businesses and credit card lenders. The Company also offers income tax return preparation services to its loan customers and other individuals. The traditional installment loan industry is a fragmented segment of the consumer lending industry. The Company has one reportable segment: the consumer finance segment.
- Ticker
- $WRLD
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 2,907
- Headquarters
- Greenville, United States
- Website
- www.loansbyworld.com
WRLD Metrics
BasicAdvanced
$839M
23.02
$8.06
1.14
-
Price and volume
Market cap
$839M
Beta
1.14
52-week high
$227.68
52-week low
$110.00
Average daily volume
72K
Financial strength
Current ratio
13.491
Quick ratio
10.175
Long term debt to equity
1.789
Total debt to equity
1.789
Interest coverage (TTM)
2.07%
Profitability
EBITDA (TTM)
112.582
Gross margin (TTM)
69.24%
Net profit margin (TTM)
6.61%
Operating margin (TTM)
17.93%
Effective tax rate (TTM)
23.12%
Revenue per employee (TTM)
$200,000
Management effectiveness
Return on assets (TTM)
6.17%
Return on equity (TTM)
9.90%
Valuation
Price to earnings (TTM)
23.025
Price to revenue (TTM)
1.496
Price to book
2.35
Price to tangible book (TTM)
2.42
Price to free cash flow (TTM)
3.378
Free cash flow yield (TTM)
29.61%
Free cash flow per share (TTM)
54.947
Growth
Revenue change (TTM)
4.14%
Earnings per share change (TTM)
-45.97%
3-year revenue growth (CAGR)
-0.42%
10-year revenue growth (CAGR)
0.77%
3-year earnings per share growth (CAGR)
6.71%
10-year earnings per share growth (CAGR)
-1.34%
What the Analysts think about WRLD
Analyst ratings (Buy, Hold, Sell) for World Acceptance Corporation stock.
Analyst projections of the future price of World Acceptance Corporation stock.
Bulls say / Bears say
First-quarter fiscal 2027 revenue rose 4.8% and adjusted earnings per share reached $2.12, helped by a 13.4% fall in provision expense. Annualised net charge-offs also improved to 18.2% from 19.4%, while both front-end and back-end delinquency declined. (SEC, Business Wire)
The loan book returned to year-on-year growth, reaching $1.29 billion in June, while refinancing volume rose 4.3% in the latest quarter. Earlier fiscal 2026 organic growth of 4.9% suggests the portfolio can expand as the newer, higher-reserve loans mature. (SEC, Business Wire)
World Acceptance repurchased 16.5% of its outstanding shares during fiscal 2026 and continued buying shares in the first quarter of fiscal 2027. A further $50 million authorisation could support strong per-share earnings growth if credit performance stabilises. (Business Wire, SEC)
Fiscal 2026 net income fell to $35.0 million from $89.7 million, while annualised net charge-offs rose to 18.5% from 17.5%. The latest quarter improved, but losses remain high and profitability has not recovered to the previous level. (Business Wire)
New-customer loan volume fell 40.1% year on year in the first quarter, and the customer base shrank 1.9%. That protects credit quality in the short term, but it leaves future loan growth more dependent on existing borrowers and refinancing. (SEC)
The company’s 2026 annual report says 61.7% of gross loans carried annual rates above 36% and warns that a national 36% cap would almost certainly eliminate its current operations. This makes regulation an existential risk, not just a potential source of extra costs. (SEC, TickerGuard)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.
WRLD Financial Performance
Revenues and expenses
WRLD Earnings Performance
Company profitability
Upcoming events
No upcoming events
WRLD News
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Funds containing WRLD
AllUSDGBPEUR
Fund name | Fund size | $WRLD weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.03% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.03% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.02% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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