World Acceptance Income Statement

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

Millions USD. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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 Interest Income	429.92	422.38	420.3	457.87	452.24	425.41
Net Interest Income Growth	2.25%	0.50%	-8.21%	1.24%	6.31%	-11.82%
Non-Interest Income	95.57	99.75	104.69	108.21	99.52	76.88
Non-Interest Income Growth	0.51%	-4.71%	-3.26%	8.73%	29.45%	-5.91%
Revenues Before Loan Losses	525.49	522.13	524.98	566.08	551.76	502.29
Provision for Credit Losses	184.8	169.22	156.97	259.46	186.21	86.24
Revenue	340.69	352.92	368.01	306.62	365.55	416.05
Revenue Growth (YoY)	-2.69%	-4.10%	20.02%	-16.12%	-12.14%	8.80%
Compensation Expenses	186.32	141.06	164.45	177.69	183.06	184.62
Selling, General & Admin	100	99.87	104.15	101.78	116.92	120.02
Total Non-Interest Expense	286.33	240.93	268.6	279.47	299.98	304.64
Pretax Income	54.36	111.99	99.41	27.15	65.58	111.4
Provision for Income Taxes	11.6	22.24	22.06	5.91	11.66	23.12
Net Income	42.76	89.74	77.35	21.23	53.92	88.28
Net Income to Common	42.76	89.74	77.35	21.23	53.92	88.28
Net Income Growth	-46.89%	16.03%	264.29%	-60.62%	-38.92%	213.53%
Shares Outstanding (Basic)	5	5	6	6	6	6
Shares Outstanding (Diluted)	5	6	6	6	6	7
Shares Change (YoY)	-7.83%	-6.05%	-0.62%	-7.31%	-4.62%	-16.11%
EPS (Basic)	7.82	16.54	13.45	3.69	8.88	13.59
EPS (Diluted)	7.81	16.30	13.19	3.60	8.47	13.23
EPS Growth	-45.46%	23.58%	266.39%	-57.50%	-35.98%	273.73%
Shares Outstanding	4.94	5.37	5.94	6.23	6.35	6.81
Free Cash Flow	252.01	250.48	259.85	285.73	266.38	215.27
Free Cash Flow Growth	0.61%	-3.61%	-9.06%	7.26%	23.74%	-20.18%
Free Cash Flow Per Share	48.96	45.48	44.33	48.44	41.86	32.26
Profit Margin	12.55%	25.43%	21.02%	6.92%	9.79%	21.22%
FCF Margin	73.97%	70.97%	70.61%	93.19%	48.37%	51.74%
EBITDA	9.23	10.13	10.89	10.91	197.47	12.42
EBITDA Margin	2.71%	2.87%	2.96%	3.56%	35.86%	2.99%
Effective Tax Rate	21.34%	19.86%	22.19%	21.79%	17.78%	20.75%

Updated Jan 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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