World Acceptance Corporation (FRA:WOA)

World Acceptance Statistics

Total Valuation

FRA:WOA has a market cap or net worth of EUR 637.55 million. The enterprise value is 1.19 billion.

Market Cap	637.55M
Enterprise Value	1.19B

Important Dates

The next estimated earnings date is Thursday, January 22, 2026.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	4.79M
Shares Outstanding	n/a
Shares Change (YoY)	-6.63%
Shares Change (QoQ)	-3.70%
Owned by Insiders (%)	19.16%
Owned by Institutions (%)	53.72%
Float	2.36M

Valuation Ratios

The trailing PE ratio is 13.11 and the forward PE ratio is 13.73.

PE Ratio	13.11
Forward PE	13.73
PS Ratio	1.31
PB Ratio	2.05
P/TBV Ratio	2.12
P/FCF Ratio	2.93
P/OCF Ratio	2.89
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.90, with an EV/FCF ratio of 5.48.

EV / Earnings	24.52
EV / Sales	2.43
EV / EBITDA	7.90
EV / EBIT	11.77
EV / FCF	5.48

Financial Position

The company has a current ratio of 18.26, with a Debt / Equity ratio of 1.81.

Current Ratio	18.26
Quick Ratio	18.26
Debt / Equity	1.81
Debt / EBITDA	3.76
Debt / FCF	2.59
Interest Coverage	2.54

Financial Efficiency

Return on equity (ROE) is 14.57% and return on invested capital (ROIC) is 7.25%.

Return on Equity (ROE)	14.57%
Return on Assets (ROA)	6.97%
Return on Invested Capital (ROIC)	7.25%
Return on Capital Employed (ROCE)	11.62%
Revenue Per Employee	171,410
Profits Per Employee	17,137
Employee Count	2,838
Asset Turnover	0.54
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:WOA has paid 12.21 million in taxes.

Income Tax	12.21M
Effective Tax Rate	20.07%

Stock Price Statistics

The stock price has increased by +20.91% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+20.91%
50-Day Moving Average	133.30
200-Day Moving Average	131.48
Relative Strength Index (RSI)	60.47
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)	4.33

Income Statement

In the last 12 months, FRA:WOA had revenue of EUR 486.46 million and earned 48.64 million in profits. Earnings per share was 9.17.

Revenue	486.46M
Gross Profit	335.19M
Operating Income	100.39M
Pretax Income	60.85M
Net Income	48.64M
EBITDA	108.51M
EBIT	100.39M
Earnings Per Share (EPS)	9.17

Balance Sheet

The company has 12.68 million in cash and 562.59 million in debt, giving a net cash position of -549.90 million.

Cash & Cash Equivalents	12.68M
Total Debt	562.59M
Net Cash	-549.90M
Net Cash Per Share	n/a
Equity (Book Value)	311.64M
Book Value Per Share	64.66
Working Capital	713.00M

Cash Flow

In the last 12 months, operating cash flow was 220.55 million and capital expenditures -2.99 million, giving a free cash flow of 217.56 million.

Operating Cash Flow	220.55M
Capital Expenditures	-2.99M
Free Cash Flow	217.56M
FCF Per Share	n/a

Margins

Gross margin is 68.90%, with operating and profit margins of 20.64% and 10.00%.

Gross Margin	68.90%
Operating Margin	20.64%
Pretax Margin	12.51%
Profit Margin	10.00%
EBITDA Margin	22.31%
EBIT Margin	20.64%
FCF Margin	44.72%

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	6.63%
Shareholder Yield	6.63%
Earnings Yield	7.63%
FCF Yield	34.12%

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 2.61 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.61
Piotroski F-Score	6