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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| WRLD | +7.92% | +37.94% | +6.64% | +5,561% |
| S&P | +12.65% | +91.73% | +13.89% | +1,680% |
World Acceptance Corp. engages in the small-loan consumer finance business. It offers short-term small instalment, medium-term larger loans, related credit insurance, ancillary products and services to individuals. The firm also offers income tax return preparation services to customers. The company also markets computer software and related services to financial services companies through its subsidiary, ParaData Financial Systems. It operates in the following segments: Small Loans, Large Loans, and Tax Advance Loans. World Acceptance was founded in 1962 and is headquartered in Greenville, SC.
The consumer lender saw its share price pop on the back of improved earnings in its fiscal fourth quarter.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $134.47M | 2.3% |
| Gross Profit | $132.20M | 2.6% |
| Gross Margin | 98.32% | 0.3% |
| Market Cap | $921.10M | 33.4% |
| Market Cap / Employee | $0.32M | 0.0% |
| Employees | 2.8K | -1.2% |
| Net Income | -$1.95M | -108.8% |
| EBITDA | $64.76M | -26.1% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $14.88M | 52.7% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $648.24M | 12.6% |
| Short Term Debt | $11.84M | -1.6% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 5.41% | -2.4% |
| Return On Invested Capital | 6.86% | 1.3% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $47.71M | -9.4% |
| Operating Free Cash Flow | $48.63M | -9.4% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 7.96 | 7.74 | 11.14 | 16.18 | 99.18% |
| Price to Book | 1.55 | 1.71 | 2.02 | 2.15 | 31.98% |
| Price to Sales | 1.10 | 1.22 | 1.54 | 1.51 | 28.62% |
| Price to Tangible Book Value | 1.62 | 1.78 | 2.09 | 2.22 | 31.03% |
| Price to Free Cash Flow TTM | 2.53 | 2.75 | 3.36 | 3.37 | 23.66% |
| Enterprise Value to EBITDA | 16.78 | 11.84 | 21.22 | 23.26 | 65.36% |
| Free Cash Flow Yield | 39.5% | 36.3% | 29.8% | 29.6% | -19.13% |
| Return on Equity | 19.3% | 20.8% | 19.1% | 14.6% | -28.04% |
| Total Debt | $641.07M | $525.56M | $548.82M | $660.08M | 12.30% |
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WRLD earnings call for the period ending September 30, 2021.
WRLD earnings call for the period ending June 30, 2021.
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