World Acceptance Corp
WRLD Nasdaq· Personal Credit Institutions
Last close · Oct 26, 2026
$167.36
KIRA · Stoqly’s AI analyst, in plain words
- World Acceptance Corp had $585M of revenue in fiscal 2026, up 3.7% on the year before. Over five years, revenue changed +2.1% a year on average.
- World Acceptance Corp made $34.6M of net profit in fiscal 2026. From fiscal 2017 to 2026, diluted EPS grew −2.2% a year.
- Free cash flow was $255M in fiscal 2026, 43.7% of revenue.
- World Acceptance Corp returned $132M to shareholders in fiscal 2026, 52% of free cash flow. The diluted share count fell 8.7%.
- World Acceptance Corp owes $581M more than it holds in cash.
Market cap
$767M
P/E
20.1x
Revenue
$585M
Net income
$34.6M
Free cash flow
$255M
Operating margin
—
World Acceptance Corp in 30 seconds · fiscal 2026
Are sales growing?
+3.7%
Only a little. Sales grew 3.7% last year.
Does it make a profit?
5.9%
A little. It keeps 5.9% of every sale as profit.
Does profit turn into cash?
43.7%
Yes. 43.7% of sales ends up as free cash.
How healthy are the accounts?
4 / 7
Mixed. It passes 4 of 7 health tests.
How is the share priced?
20.1x
One share costs 20.1 times its yearly profit per share.
What World Acceptance Corp does
No business description yet.
- Fiscal year ends
- March 31, 2026
- Latest annual report
- 10-K · Jun 4, 2026
- Legal name
- WORLD ACCEPTANCE CORP
- CIK
- 0000108385
World Acceptance Corp · WRLD
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $585M | $617M | $573M | $564M | $585M |
| Revenue growth | 10.8% | 5.4% | −7.1% | −1.5% | 3.7% |
| Net income | $53.9M | $21.2M | $77.0M | $89.2M | $34.6M |
| Net margin | 9.2% | 3.4% | 13.5% | 15.8% | 5.9% |
| Diluted EPS | $8.47 | $3.60 | $13.14 | $16.21 | $6.88 |
| Cash | |||||
| Cash from operations | $272M | $292M | $266M | $254M | $259M |
| Capital expenditure | $6.1M | $5.8M | $5.9M | $3.7M | $3.9M |
| Free cash flow | $266M | $286M | $260M | $250M | $255M |
| FCF margin | 45.5% | 46.3% | 45.4% | 44.4% | 43.7% |
| Share buybacks | $111M | $14.3M | $36.2M | $54.2M | $132M |
| Share count change | −4.6% | −7.3% | −0.6% | −6.1% | −8.7% |
| Debt and strength | |||||
| Cash and short-term investments | $19.2M | $16.5M | $5.2M | $4.7M | $6.1M |
| Debt incl. finance leases | $697M | $599M | $498M | $448M | $587M |
| Loans, net | $986M | — | — | — | — |
| Shareholders' equity | $373M | $384M | $422M | $437M | $351M |
| Returns and quality | |||||
| Return on equity | 13.9% | 5.6% | 19.1% | 20.8% | 8.8% |
| Return on tangible equity | 15.6% | 5.9% | 19.1% | 21.1% | 10.2% |
| Piotroski F-score | 4 | 6 | 6 | 7 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$29.2M
10 insiders
Of sales under plans
3%
$0.9M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
World Acceptance Corp · WRLD
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $167.36 a share, the company is worth $767M: 20.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000108385). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.