World Acceptance Corporation/$WRLD
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About World Acceptance Corporation
World Acceptance Corp operates a small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. It also offers income tax return preparation services to its loan customers and other individuals. The Company operates 1,024 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Texas, Tennessee, Utah, and Wisconsin.
Ticker
$WRLD
Sector
Primary listing
Employees
2,838
Headquarters
Website
WRLD Metrics
BasicAdvanced
$879M
11.34
$14.92
1.34
-
Price and volume
Market cap
$879M
Beta
1.34
52-week high
$177.25
52-week low
$104.99
Average daily volume
38K
Financial strength
Current ratio
17.831
Quick ratio
13.029
Long term debt to equity
124.193
Total debt to equity
128.275
Interest coverage (TTM)
3.37%
Profitability
EBITDA (TTM)
153.533
Gross margin (TTM)
69.30%
Net profit margin (TTM)
14.29%
Operating margin (TTM)
25.28%
Effective tax rate (TTM)
19.67%
Revenue per employee (TTM)
$200,000
Management effectiveness
Return on assets (TTM)
8.66%
Return on equity (TTM)
19.08%
Valuation
Price to earnings (TTM)
11.335
Price to revenue (TTM)
1.595
Price to book
2.09
Price to tangible book (TTM)
2.12
Price to free cash flow (TTM)
3.484
Free cash flow yield (TTM)
28.71%
Free cash flow per share (TTM)
48.544
Growth
Revenue change (TTM)
0.80%
Earnings per share change (TTM)
10.94%
3-year revenue growth (CAGR)
-2.26%
10-year revenue growth (CAGR)
-0.58%
3-year earnings per share growth (CAGR)
46.17%
10-year earnings per share growth (CAGR)
1.91%
What the Analysts think about WRLD
Analyst ratings (Buy, Hold, Sell) for World Acceptance Corporation stock.
Bulls say / Bears say
Gross loans outstanding increased sequentially by $38.7 million (3.2%) to $1.26 billion as of June 30, 2025, reversing prior declines and signaling improved loan demand (Business Wire via Nasdaq).
On July 22, 2025, World Acceptance entered into a new $640 million senior secured revolving credit facility, featuring a $150 million accordion and allowing up to $100 million in share repurchases, bolstering liquidity and capital return flexibility (SEC).
For the year ended March 31, 2025, the company delivered a trailing twelve-month return on equity of 21.0% and return on average assets of 8.5%, reflecting strong profitability in its consumer finance niche (Business Wire via Nasdaq).
Net income for Q1 FY2026 fell to $1.3 million ($0.25 per share) from $9.9 million a year earlier, as elevated credit loss provisions weighed heavily on earnings (Business Wire via Nasdaq).
Provision for credit losses rose $5.1 million to $50.5 million in Q1 FY2026, while net charge-offs increased by $6.1 million to $44.8 million, pushing annualized net charge-offs to 19.4% and underscoring credit quality pressures (Business Wire via Nasdaq).
Analysts expect a 3.0% year-over-year decline in Q4 FY2025 revenue to $154.5 million, highlighting ongoing top-line challenges amid contraction in loans outstanding (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 4 Sept 2025.
WRLD Financial Performance
Revenues and expenses
WRLD Earnings Performance
Company profitability
WRLD News
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FAQs
What’s the current market cap for World Acceptance Corporation stock?
World Acceptance Corporation (WRLD) has a market cap of $879M as of September 16, 2025.
What is the P/E ratio for World Acceptance Corporation stock?
The price to earnings (P/E) ratio for World Acceptance Corporation (WRLD) stock is 11.34 as of September 16, 2025.
Does World Acceptance Corporation stock pay dividends?
No, World Acceptance Corporation (WRLD) stock does not pay dividends to its shareholders as of September 16, 2025.
When is the next World Acceptance Corporation dividend payment date?
World Acceptance Corporation (WRLD) stock does not pay dividends to its shareholders.
What is the beta indicator for World Acceptance Corporation?
World Acceptance Corporation (WRLD) has a beta rating of 1.34. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.