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

585.74M

Revenue

3Y-5.0%

5Y+11.0%

10Y+19.0%

35.01M

Net Income

-61%

3Y+65.0%

5Y-60.0%

10Y-52.0%

254.16M

Operating Cash Flow

-4%

3Y-7.0%

5Y-10.0%

10Y+23.0%

World Acceptance Corporation Profit Bridge

WRLD · NASDAQ

Revenue & Cost of Sales

Revenue585.74M

Cost of Goods Sold (3.19M)

Gross Profit585.74M

Operating Expenses

Operating Expenses (490.48M)

Operating Income95.26M

Other Income & Taxes

Interest Expense (49.44M)

Other Income/Expense-49.44M

Pretax Income45.82M

Income Tax (10.80M)

Net Income35.01M

Net Income

35.01M

Profitability Analysis

Gross Margin

100.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

16.3%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

6.0%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

23.6%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

World Acceptance Corporation Income Statement

WRLD • NASDAQ

World Acceptance Corporation Income Statement	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
REVENUE
Revenue	585.7M	564.8M	573.2M	616.5M	585.2M	528M	590.6M	544.5M	502.7M	490.8M	557.5M	606.2M	596.5M	566.3M	526.3M	476.7M	426.8M	383.3M	334.5M	282.7M
GROSS PROFIT
Cost of Revenue	(3.2M)	(169.2M)	(205.2M)	(309.9M)	(219.6M)	(111.9M)	(181.7M)	(8.1M)	(117.6M)	(119.1M)	(123.6M)	(118.8M)	(126.6M)	(114.3M)	(35.6B)	(33.1B)	(104.2M)	(100.4M)	(79.1M)	(61.5M)
Gross Profit	585.7M	395.6M	368M	306.6M	365.6M	416M	408.9M	536.4M	366M	350.2M	407M	487.4M	451.5M	431.9M	-35B	-32.6B	-30.3B	-27.6B	-23.7B	-20B
OPERATING INCOME
Operating Expenses	(490.5M)	(237.1M)	(268.6M)	(279.5M)	(300M)	(304.6M)	(342.5M)	(288.3M)	(265.6M)	(244.3M)	(269.1M)	(291.3M)	(280.2M)	(265.6M)	(260.7M)	(237.5M)	(12.8B)	(200.2M)	(179.2M)	(153.6M)
Selling, General & Administrative	(312.5M)	(188M)	(214.6M)	(222.9M)	(242.9M)	(243M)	(288.2M)	(238M)	(229M)	(205.7M)	(224.2M)	(249.6M)	(241.3M)	(228M)	(225.1M)	(204.5M)	(186.3M)	(172.2M)	(132.1M)	(113.1M)
Operating Income	95.3M	158.5M	99.4M	27.1M	65.6M	111.4M	35.9M	109.3M	101.2M	114M	137.9M	176M	170.2M	166.3M	159.9M	143.2M	119.4M	97.6M	87.7M	77.2M
PRE-TAX INCOME
Interest Expense	(49.4M)	(42.7M)	(48.2M)	(50.5M)	(33.4M)	(25.7M)	(25.9M)	(17.9M)	(19.1M)	(21.5M)	(26.8M)	(23.3M)	(21.2M)	(17.4M)	(13.9M)	(14.8M)	(13.9M)	(14.9M)	(11.6M)	(9.6M)
Net Interest Income	435.4M	422.4M	420.3M	457.9M	452.2M	425.4M	482.4M	451.2M	416.6M	406.4M	468.3M	501M	502.6M	468M	452.6M	409.8M	361.2M	316.6M	280.9M	237.4M
Other Expenses	(178M)	(49.1M)	(54M)	(56.6M)	(57.1M)	(61.6M)	-5M	(0.0)	(0.0)	(38.6M)	(45M)	(41.7M)	(38.9M)	(37.6M)	(35.6M)	(33.1M)	(12.7B)	(28M)	(47.1M)	(40.5M)
Total Other Income Expenses Net	-49.4M	-46.5M	0.0	0.0	0.0	0.0	0.0	-17.9M	-19.1M	0.0	0.0	0.0	0.0	0.0	319.2K	0.0	0.0	0.0	0.0	0.0
Income Before Tax	45.8M	112M	99.4M	27.1M	65.6M	111.4M	34.9M	89.9M	96.9M	105.9M	137.9M	176M	170.2M	166.3M	159.9M	143.2M	119.4M	97.6M	87.7M	77.2M
NET INCOME
Income Tax Expense	(10.8M)	(22.2M)	(22.1M)	(5.9M)	(11.7M)	(23.1M)	(6.8M)	(16M)	(47.8M)	(40.4M)	(50.5M)	(65.2M)	(63.6M)	(62.2M)	(59.2M)	(52M)	(45.8M)	(35.1M)	(34.7M)	(29.3M)
Net Income	35M	89.7M	77.3M	21.2M	53.9M	88.3M	28.2M	37.2M	53.7M	73.6M	87.4M	110.8M	106.6M	104.1M	100.7M	91.2M	73.7M	56.5M	53M	47.9M

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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