World Acceptance Cash Flow Statement

Financials in millions USD. Fiscal year is April - March.

Millions USD. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	89.74	77.35	21.23	53.92	88.28
Depreciation & Amortization	10.13	10.89	10.91	11.67	12.42
Other Amortization	15.38	15.9	17.18	18.01	17.76
Loss (Gain) From Sale of Assets	-0.06	-0.06	0.01	0.46	2.83
Stock-Based Compensation	-19.69	-1.68	9.05	17.58	19.28
Provision & Write-off of Bad Debts	169.22	156.97	259.46	186.21	86.24
Other Operating Activities	-2.85	7.71	-4.82	-20.02	16.02
Change in Accounts Payable	-12.1	3.11	-7.48	17	-18.26
Change in Income Taxes	3.31	-5.62	-4.85	-4.19	6.61
Change in Other Net Operating Assets	1.07	1.22	-9.15	-8.19	-4.23
Operating Cash Flow	254.16	265.78	291.55	272.45	226.95
Operating Cash Flow Growth	-4.37%	-8.84%	7.01%	20.04%	-19.23%
Capital Expenditures	-3.68	-5.93	-5.83	-6.07	-11.68
Sale of Property, Plant & Equipment	0.55	0.35	0.53	1.35	3.16
Cash Acquisitions	-18.95	-1.98	-23.13	-10.86	-19.77
Other Investing Activities	-	-	-	-	2
Investing Cash Flow	-152.75	-135.14	-180.58	-451.89	-82
Long-Term Debt Issued	416.6	305.7	313.86	815.32	310.98
Long-Term Debt Repaid	-465.56	-404.24	-410.18	-523.86	-357.67
Net Debt Issued (Repaid)	-48.96	-98.53	-96.31	291.46	-46.69
Issuance of Common Stock	2.36	2.87	0.65	12.81	12.27
Repurchase of Common Stock	-56.87	-39.03	-16.86	-116.21	-105.63
Other Financing Activities	-0.05	-0.62	-1.18	-5.12	-0.78
Financing Cash Flow	-103.52	-135.32	-113.7	182.93	-140.83
Net Cash Flow	-2.11	-4.67	-2.73	3.49	4.13
Free Cash Flow	250.48	259.85	285.73	266.38	215.27
Free Cash Flow Growth	-3.61%	-9.06%	7.26%	23.74%	-20.18%
Free Cash Flow Margin	44.35%	45.35%	46.74%	45.48%	40.55%
Free Cash Flow Per Share	45.48	44.33	48.44	41.86	32.26
Cash Interest Paid	44.69	48.84	51.76	21.32	24.99
Cash Income Tax Paid	3.65	8.95	10.78	30.94	14.86
Levered Free Cash Flow	98.27	119.31	130.43	-155.44	171.13
Unlevered Free Cash Flow	109.59	133.55	144.79	-152.55	169.43
Change in Working Capital	-7.71	-1.29	-21.48	4.62	-15.88

Source: S&P Global Market Intelligence. Standard template. Financial Sources.