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World Acceptance Corporation

Data quality: 100%
WRLD
NASDAQ Financial Services Financial - Credit Services
$136.31
▲ $5.46 (4.17%)
Mkt Cap: 686.74M
Day Range
$133.89 $140.83
52-Week Range
$104.99 $185.48
Volume
187,999
50D / 200D Avg
$133.21 / $152.58
Prev Close
$130.85

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 7.7 10.3
P/B 1.6 1.1
ROE % 20.8 11.7
Net Margin % 15.9 16.8
Rev Growth 5Y % 1.7 11.7
D/E 1.2 0.5

Insider Trading Activity

Buy ratio (90d) 0.0%
20 transactions
Date Insider Type Shares Price Value
Mar 10, 2026
Calmes John L Jr
See remarks
sell 1,000 $141.88 $141,880
Feb 17, 2026
Turner James Tobin
EVP, Chief Operating Officer
grant 6,000
Dec 18, 2025
Dyer Daniel Clinton
See remarks
other 2,590 $147.94 $383,165
Dec 18, 2025
Umstetter Luke J.
See remarks
other 2,040 $147.94 $301,798
Dec 16, 2025
Dyer Daniel Clinton
See remarks
sell 8,857 $149.00 $1,319,693
Dec 15, 2025
Dyer Daniel Clinton
See remarks
sell 89 $150.00 $13,350
Sep 17, 2025
Caulder Alice Lindsay
SVP, Human Resources
sell 1,000 $167.33 $167,330
Aug 6, 2025
WAY CHARLES D
Director
sell 402 $160.00 $64,320
Jul 31, 2025
Dyer Daniel Clinton
See remarks
sell 128 $159.00 $20,352
Jun 10, 2025
Robinson Benjamin E III
Director
grant 2,000
Jun 10, 2025
Dyer Daniel Clinton
See remarks
grant 8,000
Jun 10, 2025
Caulder Alice Lindsay
SVP, Human Resources
grant 7,200
Jun 10, 2025
BRAMLETT KEN R JR
Director
grant 2,000
Jun 10, 2025
McIntyre Scott
SVP, Accounting
grant 7,200
Jun 10, 2025
Calmes John L Jr
See remarks
grant 16,000
Jun 10, 2025
Umstetter Luke J.
See remarks
grant 12,000
Jun 10, 2025
Prashad R Chad
President and CEO
grant 28,000
Jun 10, 2025
Neuhoff Elizabeth R.
Director
grant 2,000
Jun 10, 2025
Whitaker Darrell E
Director
grant 2,000
May 21, 2025
Caulder Alice Lindsay
SVP, Human Resources
sell 1,010 $150.00 $151,500

Key Takeaways

Revenue grew 1.70% annually over 5 years — modest growth
Earnings grew 16.03% over the past year
ROE of 20.78% indicates high profitability
Net margin of 15.89% shows strong profitability
Generating 250.48M in free cash flow
P/E of 7.65 — trading at a low valuation

Growth

Revenue Growth (5Y)
1.70%
Revenue (1Y)-1.46%
Earnings (1Y)16.03%
FCF Growth (3Y)-6.37%

Quality

Return on Equity
20.78%
ROIC12.32%
Net Margin15.89%
Op. Margin28.06%

Safety

Debt / Equity
1.20
Current Ratio12.55
Interest Coverage3.71

Valuation

P/E Ratio
7.65
P/B Ratio1.56
EV/EBITDA7.59
Dividend Yield0.00%

All Fundamental Metrics

Growth
Revenue Growth (1Y) -1.46% Revenue Growth (3Y) -4.28%
Earnings Growth (1Y) 16.03% Earnings Growth (3Y) 105.59%
Revenue Growth (5Y) 1.70% Earnings Growth (5Y) 0.41%
Profitability
Revenue (TTM) 564.84M Net Income (TTM) 89.74M
ROE 20.78% ROA 8.91%
Gross Margin 70.04% Operating Margin 28.06%
Net Margin 15.89% Free Cash Flow (TTM) 250.48M
ROIC 12.32% FCF Growth (3Y) -6.37%
Safety
Debt / Equity 1.20 Current Ratio 12.55
Interest Coverage 3.71 Dividend Yield 0.00%
Valuation
P/E Ratio 7.65 P/B Ratio 1.56
P/S Ratio 1.22 PEG Ratio 0.34
EV/EBITDA 7.59 Dividend Yield 0.00%
Market Cap 686.74M Enterprise Value 1.20B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 564.84M 573.21M 616.55M 585.19M 527.99M
Net Income 89.74M 77.35M 21.23M 53.92M 88.28M
EPS (Diluted) 16.30 13.19 3.60 8.47 13.23
Gross Profit 395.63M 368.01M 306.62M 365.55M 416.05M
Operating Income 158.51M 99.41M 27.15M 65.58M 111.40M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.01B 1.06B 1.12B 1.22B 954.27M
Total Liabilities 568.15M 631.92M 732.09M 845.27M 549.34M
Shareholders' Equity 439.48M 424.43M 385.23M 373.02M 404.93M
Total Debt 525.56M 577.95M 679.00M 779.85M 496.73M
Cash & Equivalents 9.73M 11.84M 16.51M 19.24M 15.75M
Current Assets 822.70M 14.93M 16.51M 19.24M 15.75M
Current Liabilities 65.55M 53.97M 50.56M 58.04M 41.04M

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#204 of 658
44

Recent Activity

Entered Contrarian Investing (David Dreman)
Mar 24, 2026