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Nasdaq · Financials

World Acceptance Corp. (WRLD)

As-reported financials and SEC filings for World Acceptance Corp. The latest annual period is FY2026. The latest reported quarter is Q1 FY2027. Financial statements come straight from the company’s EDGAR filings; valuation figures such as P/E and market cap use market data.

About World Acceptance Corp.

World Acceptance Corp is a consumer finance company that provides short-term and medium-term installment loans to individuals, primarily serving those with limited access to traditional credit sources. It operates over 1,000 branches across 16 states and offers loans ranging from $150 to $25,200 with terms from 3 to 60 months. The company also sells credit insurance products, automobile club memberships, and provides income tax return preparation services to its customers.

Snapshot

Revenue
$585.2M
Revenue growth (YoY)
3.7%
Net income
$34.6M
Diluted EPS
$6.88
Gross margin
—
Operating margin
—
Net margin
5.9%
FCF margin
43.7%
ROE
9.9%
net income / fiscal-year-end equity
P/E
22.2×
trailing when available, otherwise FY EPS
Market cap
$821.7M
Long-term debt / equity
1.67×
non-current term debt only

Fundamentals are from SEC filings for FY2026, the latest annual period (ended March 31, 2026). P/E and market cap are derived from stored market prices, last retrieved on a rolling basis and typically within the past week.

What changed at World Acceptance

  • Revenue grew 3.7% to $585M in FY2026, after a 1.5% decline the year before.
  • Most recent quarter Q1 FY2027: revenue $139M, up 4.8% from Q1 FY2026.
  • Free cash flow was $255M in FY2026, 43.7% of revenue.
  • Net income fell 61.2% to $35M in FY2026.

Computed from the as-reported figures in the statements below. A change we cannot state from filed figures is left out rather than estimated.

Peer comparison

Where World Acceptance’s fundamentals sit among the 424 Financials companies. Each figure is ranked only against peers that report it, from lowest (left) to highest (right).

Net margin5.9%
26th percentile of 372
FCF margin43.7%
84th percentile of 266
Revenue growth (YoY)+3.7%
26th percentile of 418
ROE9.9%
52nd percentile of 373
P/E22.2×
80th percentile of 307
Long-term debt / equity1.67×
88th percentile of 192
Short interest6.22d
82nd percentile of 417

World Acceptance’s long-term debt to equity of 1.67 ranks in the 88th percentile of the 192 Financials companies reporting it.

No reported insider purchases (code P) in the last 90 days; 8 insider sales totaling $26.0M. For context, about 15% of companies in the universe saw any reported insider purchase (code P) in the same window. Browse insider activity →

Percentiles describe where a figure sits among sector peers reporting it (100th = highest). They are position within a peer group, not a rating, and not investment advice. Short interest ranking uses days to cover from FINRA Consolidated Short Interest data; FINRA is the owner and source of that data, included at no additional charge.

Institutional ownership

Held by 7 quant / multi-strat books among the superinvestors we track; no conviction manager currently reports a position.

Conviction investors
0
+7 quant / multi-strat
Initiated / added
3
0 new, 3 added
Reduced / exited
4
4 trimmed, 0 exited
Combined position
$89.9M
reported long value
InvestorAs ofPosition valueSharesChange
AQR Capital ManagementquantQ2 2026$45.0M201.3KAdded
Citadel AdvisorsquantQ2 2026$13.4M60.1KAdded
Millennium ManagementquantQ2 2026$10.2M45.6KReduced
Renaissance TechnologiesquantQ2 2026$9.8M43.8KReduced
Two Sigma InvestmentsquantQ2 2026$5.9M26.5KReduced
D. E. ShawquantQ2 2026$5.1M22.8KAdded
Point72 Asset ManagementquantQ2 2026$360,1421.6KReduced

From quarterly Form 13F filings, which can be up to 45 days delayed. Long US-listed positions only: excludes short positions, options, cash, bonds, and non-US holdings, so this is not a manager’s complete portfolio. Counts are of the investors we track, not all institutions. Not investment advice.

Recent insider activity

Non-derivative buys and sells (codes P/S) reported by officers, directors and 10% owners on SEC Form 4.

Buys (90d)
0
code P
Bought (90d)
—
code P value
Sells (90d)
8
$26.0M
Reported activity
Net selling
by $ value, 90d
Trade dateInsiderTypeSharesPriceValue
2026-08-14
filed 2026-08-18
Prescott General Partners LLC10% ownerSell72.5K$187.69$13.6M
2026-08-14
filed 2026-08-18
Prescott General Partners LLC10% ownerSell42.1K$187.69$7.9M
2026-08-14
filed 2026-08-18
Prescott General Partners LLC10% ownerSell10.7K$187.69$2.0M
2026-08-14
filed 2026-08-18
Prescott General Partners LLC10% ownerSell8.0K$187.69$1.5M
2026-08-12
filed 2026-08-13
Jason E. ChildersSVP, Information TechnologySell2.0K$190.74$381K
2026-08-10
filed 2026-08-11
Benjamin E. Robinson IIIDirectorSell90$187.26$17K
2026-08-03
filed 2026-08-04
Scott McIntyreSVP, AccountingSell1.3K$185.00$241K
2026-07-30
filed 2026-07-31
John L. Calmes Jr.See remarksSell2.0K$186.00$372K
2026-06-30
filed 2026-07-01
Charles D. WayDirectorSell833$225.00$187K
2026-06-29
filed 2026-07-01
Benjamin E. Robinson IIIDirectorSell2.0K$222.77$452K
2026-06-26
filed 2026-06-29
Charles D. WayDirectorSell833$210.00$175K
2026-06-15
filed 2026-06-16
Alice Lindsay CaulderSVP, Human ResourcesSell609$181.00$110K

Reported non-derivative purchases and sales (codes P/S), which may be open-market or private. Excludes option exercises, grants, and shares withheld for taxes. Dates shown are the trade date; a Form 4 can be filed days to years later. A sale can be routine (e.g. a pre-set 10b5-1 plan), so read individual transactions in context. From SEC Form 4. Not investment advice.

Short interest

Total shares sold short as of each twice-monthly FINRA settlement. Rising short interest means more investors are positioned against the stock; days to cover estimates how many trading days of average volume that position represents.

Shares short
395.0K
settled 2026-09-30
Change vs prior
-5.1%
vs previous settlement
Days to cover
6.22
at avg daily volume
Avg daily volume
63.5K
FINRA reported
SettlementShares shortChangeDays to cover
2026-09-30395.0K-5.1%6.22
2026-09-15416.4K-9.8%6.80
2026-08-31461.4K-4.4%6.67
2026-08-14482.7K-4.9%4.93
2026-07-31507.6K-13.7%3.12
2026-07-15587.8K+2.2%4.88
2026-06-30575.4K+5.3%5.39
2026-06-15546.5K+3.6%3.89

Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data, which is included at no additional charge for your own personal or professional use; republishing or redistributing it is not permitted. Settlement dates are shown; FINRA publishes each settlement about nine business days later, so the latest figure can be two to four weeks old. Not presented as a percentage of float. No FINRA endorsement of this product is implied. Not investment advice.

Income statement (as reported)

 FY2026FY2025FY2024FY2023FY2022
Revenue$585.2M$564.2M$572.8M$616.5M$585.2M
Gross profit—————
Operating income—————
Net income$34.6M$89.2M$77.0M$21.2M$53.9M
Diluted EPS$6.88$16.21$13.14$3.60$8.47

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (tap or hover a figure to see how it was calculated or what was filed). Full details: where the numbers come from.

Balance sheet (as reported)

 FY2026FY2025FY2024FY2023FY2022
Cash and equivalents$6.1M$4.7M$5.2M$16.5M$19.2M
Current assets—————
Total assets$1.05B$1.01B$1.06B$1.12B$1.22B
Current liabilities—————
Long-term debt$587.2M$447.9M$498.4M$598.8M$697.0M
Total liabilities$703.1M$571.5M$631.9M$732.1M$845.3M
Total equity$351.0M$437.0M$422.4M$383.5M$373.0M

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (tap or hover a figure to see how it was calculated or what was filed). Full details: where the numbers come from.

Cash flow (as reported)

 FY2026FY2025FY2024FY2023FY2022
Operating cash flow$259.4M$254.2M$265.8M$291.6M$272.4M
Capital expenditure$3.9M$3.7M$5.9M$5.8M$6.1M
Free cash flow

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (tap or hover a figure to see how it was calculated or what was filed). Full details: where the numbers come from.

Quarterly trend

QuarterRevenueRevenue YoYNet incomeDiluted EPS
Q1 FY2027$139.2M4.8%$6.1M$1.33
Q4 FY20267.5%
Q3 FY2026$141.6M1.9%$-625,000$-0.13
Q2 FY2026$134.8M2.4%$-1.7M$-0.33
Q1 FY2026$132.8M2.3%$1.6M$0.30
Q4 FY20253.6%
Q3 FY2025$139.0M0.9%$13.6M$2.49
Q2 FY2025$131.7M-3.8%$22.4M$4.03

Latest 8 quarters, from company XBRL filings on SEC EDGAR. A dotted underline marks a fourth-quarter figure we calculated from the full year and the first nine months. Revenue YoY is our calculation too: each quarter against the same quarter a year earlier.

Company facts

ExchangeNasdaq
SectorFinancials
SIC industryPersonal Credit Institutions
Latest annual periodFY2026 (ended March 31, 2026)
Latest reported quarterQ1 FY2027 (ended June 30, 2026)
Oldest indexed filing2010
SEC CIK108385

Selected SEC filings

10-K/A2026-06-05
View on EDGAR →
10-K2026-06-04
View on EDGAR →
10-Q2026-08-06
View on EDGAR →
10-Q2026-02-09
View on EDGAR →
8-K2026-09-21
View on EDGAR →
8-K2026-08-19
View on EDGAR →
8-K2026-08-13
View on EDGAR →
8-K2026-07-24
View on EDGAR →

Largest Financials peers

All Financials companies →

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Data sourced from SEC EDGAR. Figures are as-reported and may be unaudited or restated; verify against the source filing before relying on them. Informational only. Not investment advice.