← WORLD ACCEPTANCE CORP
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $531.7m |
$502.7m
-5.47%
|
$544.5m
+8.33%
|
$590.0m
+8.35%
|
$525.5m
-10.93%
|
$582.4m
+10.82%
|
$616.5m
+5.87%
|
$573.2m
-7.03%
|
$564.8m
-1.46%
|
$585.2m
+3.60%
|
|
| General and Administrative Expense | $267.7m | $269.1m | $288.3m | $347.5m | $302.2m | $297.2m | $279.5m | $268.6m | $240.9m | $301.9m | |
| Labor and Related Expense | $172.0m | $164.5m | $180.6m | — | $184.6m | $183.1m | $177.7m | $164.5m | $141.1m | $200.0m | |
| Other General and Administrative Expense | $34.9m | $43.3m | $35.0m | — | $38.7m | $38.7m | $39.1m | $40.2m | $36.7m | $39.7m | |
| Amortization of Intangible Assets | $490k | $990k | $1.5m | $5.0m | $5.5m | $5.0m | $4.5m | $4.2m | $3.8m | $3.2m | |
| Operating Expenses | $417.7m | $405.8m | $454.7m | — | — | — | — | — | — | — | |
| Interest Expense | $21.5m | $19.1m | $17.9m | $25.9m | $25.7m | $33.4m | $50.5m | $48.2m | $42.7m | $49.4m | |
| Insurance and other income, net | $63.0m | $67.0m | $75.4m | $81.7m | $74.4m | $96.7m | $108.2m | $104.7m | $99.8m | $100.3m | |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $114.0m | $49.1m | $73.9m | $28.2m | $111.4m | $65.6m | $27.1m | $99.4m | $112.0m | $45.2m | |
| Current Income Tax Expense (Benefit) | $41.3m | — | — | — | — | $26.5m | $8.0m | $11.3m | $24.6m | $17.7m | |
| Income taxes | $40.4m | $47.5m | $16.0m | $6.8m | $0 | $11.7m | $5.9m | $22.1m | $22.2m | $10.7m | |
| Income Tax Expense (Benefit) | $40.4m | $47.8m | $16.0m | — | $23.1m | $11.7m | $5.9m | $22.1m | $22.2m | $10.7m | |
| Net Income (Loss) Attributable to Parent | $73.6m |
$53.7m
-27.05%
|
$37.2m
-30.65%
|
$28.2m
-24.38%
|
$88.3m
+213.53%
|
$53.9m
-38.92%
|
$21.2m
-60.62%
|
$77.3m
+264.29%
|
$89.7m
+16.03%
|
$34.6m
-61.46%
|
|
| Earnings Per Share, Basic | $8.45 | $6.11 | $4.14 | $3.66 | $13.59 | $8.88 | $3.69 | $13.45 | $16.54 | $7.00 | |
| Earnings Per Share, Diluted | $8.38 | $5.99 | $4.05 | $3.54 | $13.23 | $8.47 | $3.60 | $13.19 | $16.30 | $6.88 | |
| Income (Loss) from Continuing Operations, Per Basic Share | — | $6 | $8 | — | $14 | $9 | — | — | — | — | |
| Income (Loss) from Continuing Operations, Per Diluted Share | — | $5 | $8 | — | $13 | $8 | — | — | — | — | |
| Weighted Average Number of Shares Outstanding, Basic | 8.7m | 8.8m | 9.0m | 7.7m | 6.5m | 6.1m | 5.7m | 5.7m | 5.4m | 4.9m | |
| Basic (in shares) | $8.7m | $8.8m | $9.0m | $7.7m | $6.5m | $6.1m | $5.7m | $5.7m | $5.4m | $4.9m | |
| Diluted (in shares) | $8.8m | $9.0m | $9.2m | $8.0m | $6.7m | $6.4m | $5.9m | $5.9m | $5.5m | $5.0m | |
| Weighted Average Number of Shares Outstanding, Diluted | 8.8m | 9.0m | 9.2m | 8.0m | 6.7m | 6.4m | 5.9m | 5.9m | 5.5m | 5.0m | |
| Additional Financial Items | |||||||||||
| Costs and Expenses | $417.7m | $447.5m | $454.7m | $555.1m | $414.1m | $516.8m | $589.4m | $473.8m | $452.9m | $539.9m | |
| Goodwill, Impairment Loss | $54k | $0 | $0 | — | $0 | $0 | — | — | — | — | |
| Interest and fee income | $468.8m | $481.7m | $469.2m | $508.3m | $451.1m | $485.7m | $508.3m | $468.5m | $465.1m | $484.8m | |
| Provision for credit losses | — | — | $148.4m | $181.7m | $86.2m | $186.2m | $259.5m | $157.0m | $169.2m | $188.6m | |
| Personnel | $172.0m | $182.9m | $180.8m | $203.8m | $184.6m | $183.1m | $177.7m | $164.5m | $141.1m | $200.0m | |
| Occupancy and equipment | $42.4m | $43.8m | $41.3m | $54.2m | $56.2m | $52.1m | $52.1m | $49.8m | $49.1m | $48.4m | |
| Advertising | $17.9m | $22.3m | $22.5m | $24.3m | $17.2m | $18.3m | $6.1m | $9.9m | $10.2m | $10.6m | |
| Other | $34.9m | $47.4m | $42.2m | $60.2m | $38.7m | $38.7m | $39.1m | $40.2m | $36.7m | $39.7m | |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent | — | — | — | — | $88.3m | $53.9m | — | — | — | — | |
| Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent | — | $4.6m | ($36.7m) | — | $0 | — | — | — | — | — | |
| Total expenses | $417.7m | $447.5m | $454.7m | $555.1m | $414.1m | $516.8m | $589.4m | $473.8m | $452.9m | $539.9m |