Benzinga·Jun 29, 2026
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World Acceptance Corporation(WRLD)Earnings, Financials & Key Ratios
WRLD•NASDAQ
$199.11
28.9× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutWorld 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.Show more
- EBITDA$104M-38.5%
- Net Income$35M-61.5%
- EPS (Diluted)6.88-57.8%
- Gross Margin96.83%+38.2%
- EBITDA Margin17.7%-40.7%
- Operating Margin16.16%-42.4%
- Net Margin5.9%-62.8%
- ROE8.75%-57.9%
WRLD Price & Volume
World Acceptance Corporation (WRLD) stock price & volume — 10-year historical chart
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Earnings Volatility Masks Underlying Structural Margin Pressures
Investment Thesis • Updated 2026Q4
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Strained
Cash Flow:Mixed
Primary Risk:Regulatory and Credit Normalization
Key Thesis Takeaways
- World Acceptance Corporation faces significant headwinds as its traditional branch-based lending model struggles with inconsistent operating margins and the distortive effects of CECL accounting on net income.
- While the firm maintains a resilient free cash flow profile, the erosion of retained earnings from $173.1M in 2025Q4 to $71.6M in 2026Q4, combined with an escalating debt-to-equity ratio of 1.88, suggests a narrowing margin for error.
- Investors should monitor whether the firm can stabilize its core profitability amidst a challenging regulatory environment and the potential obsolescence of its high-overhead physical footprint.
Verdict Logic
the combination of a precarious $5.1M cash position in 2026Q4 and a declining equity base warrants caution regarding the firm's long-term solvency and operational sustainability.
WRLD Growth Metrics
World Acceptance Corporation (WRLD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years0.5%
5 Years2.1%
3 Years-1.69%
TTM-
Profit CAGR
10 Years-8.85%
5 Years-17.09%
3 Years17.66%
TTM-60.98%
EPS CAGR
10 Years-3.72%
5 Years-12.26%
3 Years24.1%
TTM-54.89%
Return on Capital
10 Years9.71%
5 Years8.86%
3 Years11.84%
Last Year9.6%
WRLD Recent Earnings
World Acceptance Corporation (WRLD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$7.70-0.5%
$7.74
Rev
$178M+5.4%
$168M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.19-132.8%
$0.58
Rev
$141M+9.2%
$129M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.38-120.3%
$1.87
Rev
$134M+0.7%
$133M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.25-89.8%
$2.44
Rev
$132M+2.6%
$129M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $7.70vs $7.74-0.5% | $178Mvs $168M+5.4% |
| Q1 2026 | Jan 27, 2026 | $0.19vs $0.58-132.8% | $141Mvs $129M+9.2% |
| Q4 2025 | Oct 23, 2025 | $0.38vs $1.87-120.3% | $134Mvs $133M+0.7% |
| Q3 2025 | Jul 24, 2025 | $0.25vs $2.44-89.8% | $132Mvs $129M+2.6% |
Based on last 12 quarters of dataView full earnings history →
Latest WRLD News
Recent stock market news and headlines for World Acceptance Corporation (WRLD)
Peers Comparison
Key metrics vs top competitors for World Acceptance Corporation (WRLD)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $199.11 | $923.93M | 28.94 | 3.7% | 5.9% | 8.75% | — | |
| $41.88 | $393.54M | 9.41 | 9.7% | 7.4% | 13.16% | — | |
| $18.03 | $687.68M | -2.31 | 10.36% | -21.88% | -25% | — | |
| $223.25 | $9.85B | 30.09 | 8.04% | 9.14% | 15.91% | — | |
| $25.08 | $4.97B | 7.25 | 4.1% | 33.13% | 31.01% | — | |
| $8.35 | $784.81M | -10.31 | -23.74% | -1.96% | -2.45% | — |
Compare WRLD vs Peers
World Acceptance Corporation (WRLD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
WRLD SEC Filings & Documents
World Acceptance Corporation (WRLD) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 4, 2026·SEC
Material company update
May 26, 2026·SEC
Material company update
Apr 30, 2026·SEC
10-K Annual Reports
410-Q Quarterly Reports
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WRLD Frequently Asked Questions
World Acceptance Corporation (WRLD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is World Acceptance Corporation's revenue?
World Acceptance Corporation (WRLD) reported $585.7M in revenue for fiscal year 2026.
How fast is World Acceptance Corporation growing?
World Acceptance Corporation (WRLD) grew revenue by 3.7% over the past year. Growth has been modest.
Is WRLD profitable?
Yes, World Acceptance Corporation (WRLD) is profitable, generating $35.0M in net income for fiscal year 2026 (5.9% net margin).
Dividend & Returns
What is WRLD's return on equity?
World Acceptance Corporation (WRLD) has a return on equity (ROE) of 8.8%. This is below average, suggesting room for improvement.
What is World Acceptance Corporation's free cash flow?
World Acceptance Corporation (WRLD) generated $255.5M in free cash flow for fiscal year 2026. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.