World Acceptance Corporation

WRLD | NASDAQ

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$171.09

-$11.05 (-6.07%)

At close: Sep 21, 2026, 4:00 PM ET

$167.10

-$3.99 (-2.33%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $848.85M

Enterprise Value $786.93M

Beta 1.14

Average Volume 128.36K

Shares Outstanding (Diluted) 4.58M

Shares Change YoY -13.39%

Institutional Ownership 86.75%

Exchange NASDAQ

ISIN US9814191048

Price Performance

Price Change 1M -8.6%

Price Change 3M -7.3%

Price Change 6M 34.2%

Price Change YTD 20.7%

Price Change 1Y -2.9%

Price Change 3Y 36.6%

Price Change 5Y -13.0%

1M CAGR (ann.) -4.2%

1Y CAGR (ann.) 8.5%

5Y CAGR (ann.) -1.5%

All-Time CAGR 6.9%

Valuation

PE Ratio 20.22

Forward PE 12.81

PEG Ratio -0.50

Forward PEG 1.42

PS Ratio 1.35

Forward PS 1.30

PB Ratio 2.20

P/FCF Ratio 3.12

P/Adj. FCF Ratio 3.38

P/OCF Ratio 2.95

EV/Sales 1.33

EV/EBIT 7.61

EV/EBITDA 7.15

EV/FCF 3.08

Earnings Yield 4.9%

FCF Yield 32.0%

Adj. FCF Yield 29.6%

Financial Health

Net Cash $10.42M

Total Debt $0

Cash & Short-Term Investments $10.42M

Total Assets $1.08B

Current Ratio 0.43

Quick Ratio 0.43

Debt / Equity Ratio 1.79

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage 1.00

Altman Z-Score 1.53

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 60.6%

Operating Profit Margin 17.5%

EBITDA Margin 10.1%

Net Profit Margin 6.7%

FCF Margin 43.2%

Adj. FCF Margin 39.9%

SBC / Revenue 3.6%

SBC Impact (per share) -7.6%

Returns

Return on Assets 3.6%

Return on Equity 11.0%

Return on Invested Capital 3.9%

Return on Capital Employed 5.0%

Return on Tangible Assets 3.7%

Historical Growth (CAGR)

Revenue CAGR 3Y -0.4%

Revenue CAGR 5Y 2.2%

Revenue CAGR 10Y 0.8%

EPS CAGR 3Y 9.6%

EPS CAGR 5Y -8.6%

EPS CAGR 10Y -0.9%

FCF CAGR 3Y -3.7%

FCF CAGR 5Y 6.8%

FCF CAGR 10Y 2.6%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $0.79

EPS Growth Est (next Q) -307.9%

Revenue Est (next Q) $140.7M

Revenue Growth Est (next Q) 4.6%

Fair Value Estimates

Graham Number $122.67

Graham Upside -28.3%

Lynch Fair Value $42.30

Lynch Upside -75.3%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $259.36M

Free Cash Flow $255.48M

Adj. Free Cash Flow $236.13M

FCF Per Share $56.82

OCF Per Share $57.97

OCF/S Ratio 44.9%

Income Statement

Revenue $591.92M

Gross Profit $426.04M

Operating Income $103.48M

EBITDA $110.11M

Net Income $39.35M

EPS (Diluted) $8.46

Revenue / Employee $203.62K

Profit / Employee $13.54K

Employees 2,907