WRLD - NASDAQ

World Acceptance Corporation

WRLD·NASDAQ

$166.21

+0.38%

Financial ServicesFinancial - Credit Services

World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides automobile club memberships to its borrowers; and income tax return preparation and electronic filing services. In addition, the company markets and sells credit life, credit accident and health, credit property and auto, unemployment, and accidental death and dismemberment insurance in connection with its loans. It serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. As of March 31, 2022, it operated 1,167 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$820.56M

EPS6.9700

P/E Ratio23.85

Earnings Date07/23/2026

1.05B

Assets

3Y-6.0%

5Y+10.0%

10Y+31.0%

698.23M

Total Liabilities

23%

3Y-5.0%

5Y+27.0%

10Y+106.0%

1.05B

Total Equity

139%

3Y+173.0%

5Y+160.0%

10Y+128.0%

World Acceptance Corporation Funding & Solvency Profile

WRLD · NASDAQ

Current Assets

Cash & Cash Equivalents5.11M

Net Receivables841.88M

Inventory0.00

Other Current Assets0.00

Total Current Assets847 M

Non-Current Assets

Property, Plant & Equipment162.92M

Goodwill & Intangible Assets11.58M

Long-Term Investments865.18M

Other Non-Current Assets-865.18M

Total Non-Current Assets163 M

Total Assets

1.05B

Financial Health Analysis

Debt-to-Equity Ratio

1.97x

Elevated leverage. Debt exceeds equity, which amplifies both gains and risks. Monitor debt servicing ability.

Working Capital

847 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

81% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

World Acceptance Corporation Balance Sheet

WRLD • NASDAQ

World Acceptance Corporation Balance Sheet	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010	Mar 2009	Mar 2008	Mar 2007
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	5.1M	9.7M	11.8M	16.5M	19.2M	15.7M	11.6M	9.3M	12.5M	15.2M	12.4M	38.3M	19.6M	11.6M	10.8M	8M	5.4M	6.3M	7.6M	5.8M
Short-Term Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	365.0	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	5.1M	9.7M	11.8M	16.5M	19.2M	15.7M	11.6M	9.3M	12.5M	15.2M	12.4M	38.3M	19.6M	11.6M	10.8M	8M	5.4M	6.3M	7.6M	5.8M
Net Receivables	841.9M	813M	3.1M	887.8M	985.5M	733.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Accounts Receivables	841.9M	813M	0.0	887.8M	985.5M	733.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Receivables	0.0	0.0	3.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	0.0	0.0	0.0	-887.8M	-985.5M	-733.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	847M	822.7M	14.9M	16.5M	19.2M	15.7M	11.6M	9.3M	12.5M	15.2M	12.4M	38.3M	19.6M	11.6M	10.8M	8M	5.4M	6.3M	7.6M	5.8M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	162.9M	96M	102.4M	105.2M	110.7M	116.4M	126.4M	25.4M	22.8M	24.2M	25.3M	25.9M	24.8M	23.9M	23.5M	23.4M	23M	23.1M	18.7M	14.3M
Goodwill	7.4M	7.4M	7.4M	7.4M	7.4M	7.4M	7.4M	7M	7M	6.1M	6.1M	6.1M	6M	5.9M	5.7M	5.6M	5.6M	5.6M	0.0	0.0
Intangible Assets	4.2M	7.4M	11.1M	15.3M	19.8M	23.5M	24.4M	15.3M	6.6M	6.6M	2.9M	3.4M	3.8M	4.6M	5.5M	6.4M	7.6M	9M	0.0	0.0
Goodwill & Intangible Assets	11.6M	14.8M	18.4M	22.7M	27.1M	30.9M	31.8M	22.4M	13.7M	12.7M	9M	9.5M	9.7M	10.5M	11.2M	12M	13.2M	14.6M	15.4M	16.1M
Long-Term Investments	865.2M	813M	847.4M	887.8M	985.5M	734.8M	808.4M	755.6M	758.6M	695.7M	706.7M	742.3M	750.7M	722.1M	660.6M	597.7M	528.2M	460.4M	411.6M	350.2M
Tax Assets	0.0	0.0	30.9M	41.7M	39.8M	25M	23.3M	23.8M	20.2M	39M	38.1M	37.3M	33.5M	29.4M	18.5M	14.5M	11.6M	12.3M	0.0	0.0
Other Non-Current Assets	-865.2M	-738.8M	42.2M	43.4M	35.9M	31.4M	28.5M	18.4M	13.2M	13.8M	14.6M	12.7M	11.7M	11.7M	10.5M	10.8M	11.6M	9.5M	33M	24.7M
Total Non-Current Assets	174.5M	184.9M	1B	1.1B	1.2B	938.5M	1B	845.7M	828.5M	785.4M	793.8M	827.8M	830.5M	797.7M	724.2M	658.4M	587.6M	519.8M	478.5M	405.3M
Other Assets	30.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	1.1B	1B	1.1B	1.1B	1.2B	954.3M	1B	855M	841M	800.6M	806.2M	866.1M	850M	809.3M	735M	666.4M	593.1M	526.1M	486.1M	411.1M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	37.1M	54M	50.6M	58M	41M	59.3M	39.4M	33.5M	31.9M	31.4M	31.2M	27.7M	28.7M	25.3M	0.0	77M	95M	0.0	16.4M
Accounts Payable	0.0	37.1M	54M	50.6M	58M	41M	59.3M	39.4M	33.5M	31.9M	31.4M	31.2M	27.7M	28.7M	25.3M	0.0	77M	95M	0.0	16.4M
Accrued Expenses	0.0	5.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	25.3M	23.3M	25.4M	21.3M	0.0	0.0
Capital Lease Obligations (Current)	0.0	23M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Tax Payables	0.0	0.0	0.0	2.5M	7.4M	11.6M	5B	11.6M	14.5M	12.5M	7.6M	18.2M	9.5M	13.9M	11.5M	13.1M	12.3M	11.3M	18B	8M
Other Current Liabilities	0.0	222.7K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Liabilities	0.0	65.5M	54M	50.6M	58M	41M	59.3M	39.4M	33.5M	31.9M	31.4M	31.2M	27.7M	28.7M	50.7M	23.3M	102.4M	116.3M	0.0	16.4M
NON-CURRENT LIABILITIES
Long Term Debt	587.2M	446.9M	496M	595.3M	692.4M	405M	451.1M	251.9M	244.9M	295.1M	374.7M	501.2M	505.5M	400.3M	279.3M	187.4M	170.6M	102M	214.9M	171.2M
Other Non-Current Liabilities	37M	0.0	0.0	2.5M	7.4M	11.6M	5M	11.6M	21.5M	12.5M	8.3M	18.2M	9.5M	13.9M	-13.8M	13.1M	-63M	11.4M	36.9M	8M
Total Non-Current Liabilities	698.2M	502.6M	577.9M	681.5M	787.2M	508.3M	558.8M	263.5M	266.4M	307.7M	382.9M	519.4M	515M	414.2M	265.4M	200.5M	107.7M	113.5M	251.8M	179.2M
Capital Lease Obligations	74M	78.7M	81.9M	83.7M	87.5M	91.7M	102.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	698.2M	568.1M	631.9M	732.1M	845.3M	549.3M	618.1M	302.9M	299.9M	339.5M	414.3M	550.6M	542.7M	442.9M	316.1M	223.8M	210.1M	229.8M	251.8M	195.6M
SHAREHOLDERS' EQUITY
Additional Paid-In Capital	0.0	266.4M	286.4M	288.1M	280.9M	255.6M	227.2M	198.1M	175.9M	144.2M	138.8M	141.9M	118.4M	89.8M	65.6M	47.4M	27.1M	17M	1.3M	5.8M
Retained Earnings	0.0	173.1M	138M	97.2M	92.1M	149.3M	184.7M	354M	391.3M	344.6M	276M	188.6M	193.1M	277M	356M	395.1M	357.2M	283.5M	232.8M	209.8M
Accumulated Other Comprehensive Income/Loss	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-26.1M	-27.8M	-22.9M	-14.9M	-4.1M	-418.3K	-2.7M	136.2K	-1.3M	-4.2M	169.5K	-47.8K
Other Total Stockholders' Equity	1.1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	1.1B	439.5M	424.4M	385.2M	373M	404.9M	412M	552.1M	541.1M	461.1M	391.9M	315.6M	307.4M	366.4M	418.9M	442.6M	382.9M	296.3M	234.3M	215.5M
Total Equity	1.1B	439.5M	424.4M	385.2M	373M	404.9M	412M	552.1M	541.1M	461.1M	391.9M	315.6M	307.4M	366.4M	418.9M	442.6M	382.9M	296.3M	234.3M	215.5M
SUMMARY
Total Liabilities & Equity	1.8B	1B	1.1B	1.1B	1.2B	954.3M	1B	855M	841M	800.6M	806.2M	866.1M	850M	809.3M	735M	666.4M	593.1M	526.1M	486.1M	411.1M
Total Investments	865.2M	813M	847.4M	887.8M	985.5M	734.8M	808.4M	755.6M	758.6M	695.7M	706.7M	742.3M	750.7M	722.1M	660.6M	597.7M	528.2M	460.4M	411.6M	350.2M
Total Debt	661.2M	525.6M	577.9M	679M	779.8M	496.7M	553.9M	251.9M	244.9M	295.1M	374.7M	501.2M	505.5M	400.3M	279.3M	187.4M	170.6M	102M	214.9M	171.2M
Net Debt	656.1M	515.8M	566.1M	662.5M	760.6M	481M	542.2M	242.6M	232.4M	279.9M	362.3M	462.8M	485.9M	388.6M	268.5M	179.4M	165.2M	95.8M	207.3M	165.4M
Shares Outstanding	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478	5,225,478

SEC Filings

WRLD - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 26, 2026	May 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 30, 2026	April 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 15, 2026	April 10, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 17, 2026	February 17, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 11, 2026	February 11, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 09, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 04, 2025	December 04, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 06, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 23, 2025	October 23, 2025	2025	View Filing

Showing 1 to 10 of 386 filings

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