World Acceptance Corporation (WRLD)

World Acceptance Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Net Income	42.76	89.74	77.35	21.23	53.92	88.28
Depreciation & Amortization	9.23	10.13	10.89	10.91	197.47	12.42
Provision for Credit Losses	184.8	169.22	156.97	259.46	1.1	86.24
Stock-Based Compensation	13.46	-19.69	-1.68	9.05	17.58	19.28
Other Adjustments	10.26	12.47	23.55	12.38	-2.65	36.61
Changes in Accounts Payable	-3.53	-12.1	3.11	-7.48	17	-18.26
Changes in Other Operating Activities	-4.94	4.38	-4.41	-14	-12.39	2.38
Operating Cash Flow	255.64	254.16	265.78	291.55	272.45	226.95
Operating Cash Flow Growth	3.46%	-4.37%	-8.84%	7.01%	20.04%	-19.23%
Net Change in Loans Held-for-Investment	-245.82	-130.67	-127.58	-152.15	-436.31	-56.14
Payments for Business Acquisitions	-9.45	-18.95	-1.98	-23.13	-10.86	-19.77
Capital Expenditures	-3.63	-3.68	-5.93	-5.83	-6.07	-11.68
Sale of Property, Plant & Equipment	0.83	0.55	0.35	0.53	0.25	0.35
Other Investing Activities	-	-	-	-	1.1	5.26
Investing Cash Flow	-206.14	-152.75	-135.14	-180.58	-451.89	-82
Short-Term Debt Issued	385.71	-	-	-	-	-
Short-Term Debt Repaid	-233.54	-	-	-	-	-
Net Short-Term Debt Issued (Repaid)	152.17	-	-	-	-	-
Long-Term Debt Issued	92.05	416.6	305.7	313.86	815.32	310.98
Long-Term Debt Repaid	-279.96	-465.56	-404.24	-410.18	-523.86	-357.67
Net Long-Term Debt Issued (Repaid)	-187.91	-48.96	-98.53	-96.31	291.46	-46.69
Issuance of Common Stock	3.17	2.36	2.87	0.65	12.81	12.27
Repurchase of Common Stock	-138.43	-56.87	-39.03	-16.86	-116.21	-105.63
Net Common Stock Issued (Repurchased)	-135.26	-54.51	-36.16	-16.2	-103.41	-93.36
Other Financing Activities	-2.37	-0.05	-0.62	-1.18	-5.12	-0.78
Financing Cash Flow	-22.87	-103.52	-135.32	-113.7	182.93	-140.83
Net Cash Flow	26.63	-2.11	-4.67	-2.73	3.49	4.13
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%
FCF Margin	73.97%	70.97%	70.61%	93.19%	48.37%	51.74%
Free Cash Flow Per Share	48.96	45.48	44.33	48.44	41.86	32.26
Levered Free Cash Flow	4.15	39.52	-17.53	-91.48	541.4	26.45
Unlevered Free Cash Flow	-2.87	-1.26	3.66	-16.4	196.02	-15.15

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

SEC Filings: 10-K · 10-Q