World Acceptance Corporation (FRA:WOA)

World Acceptance Statistics

Total Valuation

FRA:WOA has a market cap or net worth of EUR 527.27 million. The enterprise value is 1.16 billion.

Market Cap	527.27M
Enterprise Value	1.16B

Important Dates

The last earnings date was Tuesday, January 27, 2026.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	4.76M
Shares Outstanding	n/a
Shares Change (YoY)	-8.13%
Shares Change (QoQ)	-6.55%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	2.29M

Valuation Ratios

The trailing PE ratio is 14.48 and the forward PE ratio is 14.05.

PE Ratio	14.48
Forward PE	14.05
PS Ratio	1.08
PB Ratio	1.76
P/TBV Ratio	1.82
P/FCF Ratio	2.46
P/OCF Ratio	2.42
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.53, with an EV/FCF ratio of 5.39.

EV / Earnings	31.77
EV / Sales	2.38
EV / EBITDA	8.53
EV / EBIT	13.33
EV / FCF	5.39

Financial Position

The company has a current ratio of 21.65, with a Debt / Equity ratio of 2.14.

Current Ratio	21.65
Quick Ratio	20.94
Debt / Equity	2.14
Debt / EBITDA	4.70
Debt / FCF	2.98
Interest Coverage	2.13

Financial Efficiency

Return on equity (ROE) is 10.97% and return on invested capital (ROIC) is 7.64%.

Return on Equity (ROE)	10.97%
Return on Assets (ROA)	5.67%
Return on Invested Capital (ROIC)	7.64%
Return on Capital Employed (ROCE)	9.32%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	172,075
Profits Per Employee	12,834
Employee Count	2,838
Asset Turnover	0.51
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:WOA has paid 9.88 million in taxes.

Income Tax	9.88M
Effective Tax Rate	21.34%

Stock Price Statistics

The stock price has decreased by -19.86% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-19.86%
50-Day Moving Average	114.76
200-Day Moving Average	131.59
Relative Strength Index (RSI)	55.42
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	2.31

Income Statement

In the last 12 months, FRA:WOA had revenue of EUR 488.35 million and earned 36.42 million in profits. Earnings per share was 7.10.

Revenue	488.35M
Gross Profit	330.95M
Operating Income	87.09M
Pretax Income	46.30M
Net Income	36.42M
EBITDA	94.95M
EBIT	87.09M
Earnings Per Share (EPS)	7.10

Balance Sheet

The company has 8.52 million in cash and 640.42 million in debt, with a net cash position of -631.90 million.

Cash & Cash Equivalents	8.52M
Total Debt	640.42M
Net Cash	-631.90M
Net Cash Per Share	n/a
Equity (Book Value)	299.46M
Book Value Per Share	62.94
Working Capital	789.35M

Cash Flow

In the last 12 months, operating cash flow was 217.73 million and capital expenditures -3.10 million, giving a free cash flow of 214.63 million.

Operating Cash Flow	217.73M
Capital Expenditures	-3.10M
Free Cash Flow	214.63M
FCF Per Share	n/a

Margins

Gross margin is 67.77%, with operating and profit margins of 17.83% and 7.46%.

Gross Margin	67.77%
Operating Margin	17.83%
Pretax Margin	9.48%
Profit Margin	7.46%
EBITDA Margin	19.44%
EBIT Margin	17.83%
FCF Margin	43.95%

Dividends & Yields

FRA:WOA does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	8.13%
Shareholder Yield	8.13%
Earnings Yield	6.91%
FCF Yield	40.71%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

FRA:WOA has an Altman Z-Score of 2.45 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.45
Piotroski F-Score	6