WORLD ACCEPTANCE CORP WRLD

Latest FY: 2026 Financial Services Credit Services
Market Price $189.04
Market Cap $880.26M
P/E Ratio 27.48
Quick Peer Compare (Financial Services):
Revenue (FY 2026) ↑3.6% YoY
$585.17M
3-Yr CAGR: -1.7%
Net Income ↓-61.5% YoY
$34.59M
Net Margin: 5.9%
Free Cash Flow ↑2.0% YoY
$255.48M
FCF Yield: 29.02%
EPS (Diluted) ↓-57.8% YoY
$6.88
Basic: $7.00
Return on Equity Efficiency
9.9%
ROA: 3.3%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (WRLD)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2017 $531.7M $510.2M $73.6M $8.38 0.00% $219.4M $212.5M
FY 2018 $502.7M -5.5% $483.6M $53.7M -27.1% $5.99 -28.5% 0.00% $218.0M $208.9M -1.7%
FY 2019 $544.5M +8.3% $526.6M $37.2M -30.6% $4.05 -32.4% 0.00% $244.7M $234.9M +12.5%
FY 2020 $590.0M +8.4% $564.1M $28.2M -24.4% $3.54 -12.6% 0.00% $257.4M $246.1M +4.8%
FY 2021 $525.5M -10.9% $499.8M $88.3M +213.5% $13.23 +273.7% 0.00% $199.6M $187.9M -23.7%
FY 2022 $582.4M +10.8% $549.0M $53.9M -38.9% $8.47 -36.0% 0.00% $281.5M $275.4M +46.6%
FY 2023 $616.5M +5.9% $566.1M $21.2M -60.6% $3.60 -57.5% 0.00% $291.6M $285.7M +3.7%
FY 2024 $573.2M -7.0% $525.0M $77.3M +264.3% $13.19 +266.4% 0.00% $265.8M $259.9M -9.1%
FY 2025 $564.8M -1.5% $522.1M $89.7M +16.0% $16.30 +23.6% 0.00% $254.2M $250.5M -3.6%
FY 2026 $585.2M +3.6% $535.7M $34.6M -61.5% $6.88 -57.8% 0.00% $259.4M $255.5M +2.0%
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Valuation

Market Price $189.04
Market Cap $880.26M
Enterprise Value $1.46B
P/E Ratio 27.48
P/B Ratio 2.51
FCF Yield 29.02%
Dividend Yield N/A
Shares Outstanding 4,656,500
%

Profitability & Margins

Gross Margin 91.55%
Operating Margin 7.73%
Net Margin 5.91%
Return on Equity (ROE) 9.85%
Return on Assets (ROA) 3.28%
Asset Turnover 0.56x
Revenue 3-Yr CAGR -1.73%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 1.673
Debt / Assets 0.557
Cash & Equivalents $6.07M
Total Debt $587.23M
Book Value / Share $75.38
💧

Cash Flow Efficiency

Operating Cash Flow $259.36M
Capital Expenditures (CapEx) $3.88M
Free Cash Flow $255.48M
OCF / Revenue 44.32%
FCF / Revenue 43.66%
FCF 3-Yr CAGR -3.66%
🏷️

Per Share Metrics

EPS (Diluted) $6.88
EPS (Basic) $7.00
Dividends / Share N/A
Book Value / Share $75.38
EPS YoY Growth -57.79%
🏛️

Balance Sheet (FY 2026)

Total Assets $1.05B
Total Liabilities $703.12M
Stockholders' Equity $351.01M
Current Assets N/A
Current Liabilities N/A