WORLD ACCEPTANCE CORP

WRLD

WORLD ACCEPTANCE CORP

WRLD

Insider Sentiment (TTM):

Last Purchase:-Last Sale:2026-06-26Shares Purchased (TTM):0Shares Sold (TTM):370,686

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:4,248,001Shares Outstanding:4,941,307Institutional Ownership Pct.:85.97%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Revolving Credit Facility	-	444	576	-	640	262	-	-	-	-	-	-
Assets
Cash And Cash Equivalents At Carrying Value	10	6	10	15	3	5	10	10	11	12	13	19
Financing Receivable Before Allowance For Credit L…	-	1,279	-	-	-	1,226	-	-	-	1,277	-	-
Less
Notes Receivable Net	845	842	913	859	829	813	904	843	835	847	907	880
Restricted Cash	18	23	32	-	5	5	5	-	-	-	-	-
Income Tax Receivable	8	2	16	12	8	0	7	5	4	3	2	-
Operating Lease Right Of Use Asset	73	72	72	73	75	76	79	81	81	80	80	80
Property Plant And Equipment Net	17	17	18	18	19	20	21	21	22	23	23	24
Deferred Income Tax Assets Net	37	41	32	32	29	34	32	32	32	31	37	42
Other Assets	61	39	36	40	42	41	37	41	46	42	38	40
Goodwill	7	7	7	7	7	7	7	7	7	7	7	7
Intangible Assets Net Excluding Goodwill	3	4	5	6	7	7	8	9	10	11	12	13
Assets	1,079	1,054	1,142	1,062	1,024	1,008	1,111	1,049	1,048	1,056	1,120	1,106
Senior Notes	-	-	-	-	303	262	336	266	242	223	305	277
Liabilities And Stockhold…
Liabilities
Line Of Credit	-	-	-	585	-	-	-	-	-	-	-	-
Other Notes Payable	-	0	0	0	169	184	224	239	251	273	280	284
Accrued Income Taxes	-	0	0	0	0	0	-	-	-	0	0	2
Operating Lease Liability	75	74	75	75	77	79	81	83	83	82	82	83
Contract With Customer Liability	-	4	-	-	-	3	-	-	-	-	-	-
Accounts Payable And Accrued Liabilities Current A…	65	38	39	37	47	42	41	44	50	54	45	50
Liabilities	717	703	791	697	596	571	682	632	626	632	713	696
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	287	279	275	274	266	266	267	269	286	286	285	287
Retained Earnings Accumulated Deficit	76	72	76	92	161	171	161	149	137	138	122	123
Stockholders Equity	362	351	352	366	426	437	428	417	423	424	407	410
Liabilities And Stockholders Equity	1,079	1,054	1,142	1,062	1,024	1,008	1,111	1,049	1,048	1,056	1,120	1,106
Variable Interest Entity Primary Beneficiary	-	228	152	-	-	0	-	-	-	-	-	-
Warehouse Facility	-	143	102	-	-	0	-	-	-	-	-	-
Notes Receivable Gross	1,294	1,279	1,402	1,315	1,264	1,226	1,381	1,296	1,275	-	1,401	1,380
Financing Receivable Allowance For Credit Losses	-	-112	-123	-118	-109	-103	-116	-114	-110	-103	-121	-129
Preferred Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	95	95	95	95	95	95	95	95	95	95	95	95
Common Stock Shares Issued	5	5	5	5	5	5	6	6	6	6	6	6
Shares Outstanding	5	5	5	5	5	5	6	6	6	6	6	6

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2027	-	-	-	-	-	-	-	-	-	-	-	-
2026	6.61%	14.70%	-12.19%	18.81%	13.23%	6.84%	15.47%	16.21%	26.31%	27.40%	21.97%	-
2025	10.59%	7.25%	8.20%	-1.20%	-9.53%	5.94%	-5.35%	-10.85%	-5.83%	5.60%	19.48%	12.63%
2024	-	-	-	5.17%	23.18%	32.73%	-3.97%	13.19%	9.67%	-5.78%	4.61%	-15.53%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	1.97	1.89	2.13	2.53	3.36	3.61	3.39	3.45	3.18	3.06	2.63	2.33
Per Share Metrics
Diluted EPS TTM	8.26	6.63	8.93	11.15	15.29	16.21	14.74	15.10	13.96	13.19	10.84	8.87
Free Cash Flow Per Share TTM	70.91	41.67	42.54	40.39	29.40	46.17	44.65	43.88	45.46	45.20	45.37	47.07
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	91.34%	91.55%	91.63%	91.86%	92.50%	92.43%	92.26%	92.17%	91.88%	91.59%	91.53%	91.25%
Operating Profit Margin TTM	8.60%	7.73%	9.43%	12.45%	17.74%	19.73%	18.52%	19.18%	17.75%	17.34%	14.42%	12.21%
Net Profit Margin TTM	6.40%	5.69%	7.42%	9.96%	14.25%	15.82%	14.41%	15.02%	13.80%	13.49%	11.05%	9.02%
Growth Metrics
Net Revenue Growth (1Y)	4.26%	3.72%	2.55%	2.24%	0.71%	-1.58%	-2.78%	-4.39%	-5.78%	-7.03%	-8.01%	-6.91%
Net Income Growth (1Y)	-53.22%	-62.67%	-47.21%	-32.21%	4.02%	15.38%	26.77%	59.14%	116.36%	333.73%	323.94%	219.04%
EPS Growth (1Y)	-45.60%	-59.01%	-39.70%	-27.20%	9.12%	22.25%	34.60%	68.18%	127.91%	333.80%	323.17%	216.09%
Valuation Metrics
P/E TTM	26.58	20.03	15.72	15.16	10.67	7.69	7.59	7.70	8.71	10.78	11.86	13.95
P/B TTM	2.78	1.90	1.90	2.36	2.03	1.57	1.43	1.55	1.60	1.96	1.85	1.79
P/S TTM	1.70	1.14	1.17	1.51	1.52	1.22	1.09	1.16	1.20	1.45	1.31	1.26
Market Cap	1.01B	667.27M	668.17M	861.40M	862.59M	686.59M	611.30M	645.27M	677.24M	833.43M	753.48M	734.41M
Enterprise Value	995.10M	661.20M	658.17M	846.52M	1.16B	939.32M	936.95M	901.15M	907.85M	1.05B	1.05B	992.18M
Calculated Values
Free Cash Flow TTM	318.57M	205.93M	202.46M	205.71M	153.60M	250.48M	242.76M	240.01M	249.11M	259.85M	261.92M	272.09M
Net Debt	-10.42M	-6.07M	-10.00M	-14.88M	299.65M	252.72M	325.65M	255.88M	230.61M	211.58M	292.31M	257.77M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-26Sale

Owner: Way, Charles D

Title: -

Shares: 833

Price/Share: $210.00

Value: $174,930.00

Shares Owned: 13,562

Relationship: Director

Ownership: Direct

2026-06-15Sale

Owner: Caulder, Alice Lindsay

Title: SVP, Human Resources

Shares: 609

Price/Share: $181.00

Value: $110,229.00

Shares Owned: 14,682

Relationship: Officer

Ownership: Direct

2026-06-12Sale

Owner: Umstetter, Luke J.

Title: See remarks

Shares: 1,000

Price/Share: $181.66

Value: $181,660.00

Shares Owned: 28,245

Relationship: Officer

Ownership: Direct

2026-05-22Sale

Owner: Robinson, Benjamin E Iii

Title: -

Shares: 90

Price/Share: $160.00

Value: $14,400.00

Shares Owned: 4,836

Relationship: Director

Ownership: Direct

2026-04-30Sale

Owner: Robinson, Benjamin E Iii

Title: -

Shares: 180

Price/Share: $160.00

Value: $28,800.00

Shares Owned: 4,926

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-26	Way, Charles D	Director	-	Direct	Sale	833	210.00	$174,930.00	13,562	4
2026-06-15	Caulder, Alice Lindsay	Officer	SVP, Human Resources	Direct	Sale	609	181.00	$110,229.00	14,682	4
2026-06-12	Umstetter, Luke J.	Officer	See remarks	Direct	Sale	1,000	181.66	$181,660.00	28,245	4
2026-05-22	Robinson, Benjamin E Iii	Director	-	Direct	Sale	90	160.00	$14,400.00	4,836	4
2026-04-30	Robinson, Benjamin E Iii	Director	-	Direct	Sale	180	160.00	$28,800.00	4,926	4
2026-03-10	Calmes, John L Jr	Officer	See remarks	Direct	Sale	1,000	141.88	$141,880.00	50,334	4
2025-12-18	Prashad, R Chad	Director,Officer	President and CEO	Direct	Sale	3,000	147.68	$443,040.00	73,660	4
2025-12-17	Calmes, John L Jr	Officer	See remarks	Direct	Sale	1,000	148.79	$148,790.00	54,395	4
2025-12-16	Dyer, Daniel Clinton	Officer	See remarks	Direct	Sale	8,857	149.00	$1,319,693.00	33,640	4
2025-09-17	Caulder, Alice Lindsay	Officer	SVP, Human Resources	Direct	Sale	1,000	167.33	$167,330.00	16,515	4
2025-09-15	Childers, Jason E.	Officer	SVP, Information Technology	Direct	Sale	759	166.75	$126,563.25	16,023	4
2025-09-15	Prashad, R Chad	Director,Officer	President and CEO	Direct	Sale	1,905	166.00	$316,230.00	76,660	4
2025-09-10	Bramlett, Ken R Jr	Director	-	Direct	Sale	3,389	167.48	$567,589.72	32,205	4
2025-09-04	Prescott, General Partner…	TenPercentOwner,Other	-	Indirect	Sale	347,064	172.88	$60,000,424.32	41,804	4
2025-08-06	Way, Charles D	Director	-	Direct	Sale	402	160.00	$64,320.00	15,395	4
2025-07-31	Dyer, Daniel Clinton	Officer	See remarks	Direct	Sale	128	159.00	$20,352.00	42,586	4
2025-07-30	Dyer, Daniel Clinton	Officer	See remarks	Direct	Sale	4,704	159.50	$750,288.00	42,714	4
2025-06-11	Way, Charles D	Director	-	Direct	Sale	50	161.00	$8,050.00	15,797	4
2025-06-02	Whitaker, Darrell E	Director	-	Direct	Sale	2,500	155.92	$389,800.00	5,074	4
2025-05-21	Caulder, Alice Lindsay	Officer	SVP, Human Resources	Direct	Sale	1,010	150.00	$151,500.00	10,315	4
2025-02-21	Calmes, John L Jr	Officer	See remarks	Direct	Sale	1,000	145.00	$145,000.00	31,431	4
2025-02-18	Prescott, General Partner…	TenPercentOwner,Other	-	Indirect	Sale	162,712	147.50	$24,000,020.00	1,245,016	4
2025-02-14	Mcintyre, Scott	Officer	SVP, Accounting	Direct	Sale	2,000	150.43	$300,860.00	7,183	4
2025-02-14	Umstetter, Luke J.	Officer	See remarks	Direct	Sale	162	151.83	$24,596.46	14,598	4
2025-02-13	Childers, Jason E.	Officer	SVP, Information Technology	Direct	Sale	1,259	148.46	$186,911.14	6,780	4
2025-02-12	Childers, Jason E.	Officer	SVP, Information Technology	Direct	Sale	500	143.82	$71,910.00	8,039	4
2025-01-31	Caulder, Alice Lindsay	Officer	SVP, Human Resources	Direct	Sale	600	139.81	$83,886.00	8,524	4
2025-01-28	Umstetter, Luke J.	Officer	See remarks	Direct	Sale	600	150.00	$90,000.00	15,248	4
2024-11-01	Umstetter, Luke J.	Officer	See remarks	Direct	Sale	550	114.30	$62,865.00	11,370	4
2024-08-01	Umstetter, Luke J.	Officer	See remarks	Direct	Sale	500	120.78	$60,390.00	14,238	4
2024-05-01	Umstetter, Luke J.	Officer	See remarks	Direct	Sale	450	136.46	$61,407.00	14,738	4
2024-02-01	Umstetter, Luke J.	Officer	See remarks	Direct	Sale	400	131.41	$52,564.00	15,188	4
2023-12-01	Calmes, John L Jr	Officer	See remarks	Direct	Sale	6,500	112.73	$732,745.00	28,665	4
2023-07-21	Childers, Jason E.	Officer	SVP, Information Technology	Direct	Sale	933	150.83	$140,724.39	8,634	4
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Institutional Ownership

No data available for chart

2026-03-31

85.97%

Inst. Shares: 4,248,001

Shares Outstanding: 4,941,307

2025-12-31

84.54%

Inst. Shares: 4,023,816

Shares Outstanding: 4,759,405

2025-09-30

76.86%

Inst. Shares: 3,914,189

Shares Outstanding: 5,092,845

2025-06-30

82.41%

Inst. Shares: 4,304,889

Shares Outstanding: 5,224,004

2025-03-31

79.46%

Inst. Shares: 4,311,171

Shares Outstanding: 5,425,483

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	4,248,001	4,941,307	85.97%
2025-12-31	4,023,816	4,759,405	84.54%
2025-09-30	3,914,189	5,092,845	76.86%
2025-06-30	4,304,889	5,224,004	82.41%
2025-03-31	4,311,171	5,425,483	79.46%
2024-12-31	4,516,341	5,436,688	83.07%
2024-09-30	4,581,511	5,469,276	83.77%
2024-06-30	4,705,102	5,480,205	85.86%
2024-03-31	4,723,719	5,748,554	82.17%
2023-12-31	4,944,037	5,772,503	85.65%
2023-09-30	5,139,512	5,780,061	88.92%
2023-06-30	5,154,290	5,772,733	89.29%
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WORLD ACCEPTANCE CORP (WRLD) — SEC Financial Statements & Analysis

WORLD ACCEPTANCE CORP (WRLD) is a personal credit institutions company, incorporated in SC. WORLD ACCEPTANCE CORP trades on Nasdaq as: WRLD. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), WORLD ACCEPTANCE CORP reported a 4.26% year-over-year revenue growth, a Gross Profit Margin of 91.34% (TTM), a Price-to-Sales (P/S) ratio of 1.70x (TTM), a Price-to-Book (P/B) ratio of 2.78x (TTM), at a market cap of $1.01B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 4.26%
Gross Profit Margin TTM: 91.34%
P/S TTM: 1.70x
P/B TTM: 2.78x
Market Cap: $1.01B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is WORLD ACCEPTANCE CORP in?

WORLD ACCEPTANCE CORP (WRLD) operates in the Personal Credit Institutions industry.

What is WRLD's market cap?

WORLD ACCEPTANCE CORP (WRLD) has a market capitalization of $1.01B as of 2026-06-30.

What is WRLD's P/E ratio?

WORLD ACCEPTANCE CORP (WRLD)'s trailing twelve month P/E ratio is 26.58x as of 2026-06-30.

What exchange does WRLD trade on?

WORLD ACCEPTANCE CORP (WRLD) trades on the Nasdaq.

Where is WORLD ACCEPTANCE CORP incorporated?

WORLD ACCEPTANCE CORP is incorporated in SC.