World Acceptance Statistics
Total Valuation
WRLD has a market cap or net worth of $643.41 million. The enterprise value is $1.39 billion.
Important Dates
The last earnings date was Tuesday, January 27, 2026, before market open.
| Earnings Date | Jan 27, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
WRLD has 4.76 million shares outstanding. The number of shares has decreased by -8.13% in one year.
| Current Share Class | 4.76M |
| Shares Outstanding | 4.76M |
| Shares Change (YoY) | -8.13% |
| Shares Change (QoQ) | -6.55% |
| Owned by Insiders (%) | 18.33% |
| Owned by Institutions (%) | 54.44% |
| Float | 2.29M |
Valuation Ratios
The trailing PE ratio is 16.23 and the forward PE ratio is 14.39.
| PE Ratio | 16.23 |
| Forward PE | 14.39 |
| PS Ratio | 1.12 |
| Forward PS | 1.09 |
| PB Ratio | 1.83 |
| P/TBV Ratio | 1.90 |
| P/FCF Ratio | 2.55 |
| P/OCF Ratio | 2.52 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 12.43, with an EV/FCF ratio of 5.50.
| EV / Earnings | 32.39 |
| EV / Sales | 2.42 |
| EV / EBITDA | 12.43 |
| EV / EBIT | 13.55 |
| EV / FCF | 5.50 |
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) | 7.76% |
| Revenue Per Employee | $202,037 |
| Profits Per Employee | $15,068 |
| Employee Count | 2,838 |
| Asset Turnover | 0.51 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, WRLD has paid $11.60 million in taxes.
| Income Tax | 11.60M |
| Effective Tax Rate | 21.34% |
Stock Price Statistics
The stock price has decreased by -11.30% in the last 52 weeks. The beta is 1.22, so WRLD's price volatility has been higher than the market average.
| Beta (5Y) | 1.22 |
| 52-Week Price Change | -11.30% |
| 50-Day Moving Average | 137.48 |
| 200-Day Moving Average | 153.68 |
| Relative Strength Index (RSI) | 55.31 |
| Average Volume (20 Days) | 97,222 |
Short Selling Information
The latest short interest is 236,980, so 4.98% of the outstanding shares have been sold short.
| Short Interest | 236,980 |
| Short Previous Month | 276,988 |
| Short % of Shares Out | 4.98% |
| Short % of Float | 10.33% |
| Short Ratio (days to cover) | 2.31 |
Income Statement
In the last 12 months, WRLD had revenue of $573.38 million and earned $42.76 million in profits. Earnings per share was $8.34.
| Revenue | 573.38M |
| Gross Profit | 388.58M |
| Operating Income | 102.25M |
| Pretax Income | 54.36M |
| Net Income | 42.76M |
| EBITDA | 111.48M |
| EBIT | 102.25M |
| Earnings Per Share (EPS) | $8.34 |
Full Income StatementBalance Sheet
The company has $10.00 million in cash and $751.93 million in debt, with a net cash position of -$741.93 million or -$156.02 per share.
| Cash & Cash Equivalents | 10.00M |
| Total Debt | 751.93M |
| Net Cash | -741.93M |
| Net Cash Per Share | -$156.02 |
| Equity (Book Value) | 351.60M |
| Book Value Per Share | 73.90 |
| Working Capital | 926.80M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $255.64 million and capital expenditures -$3.63 million, giving a free cash flow of $252.01 million.
| Operating Cash Flow | 255.64M |
| Capital Expenditures | -3.63M |
| Free Cash Flow | 252.01M |
| FCF Per Share | $52.99 |
Full Cash Flow StatementMargins
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
WRLD 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 | 6.65% |
| FCF Yield | 39.17% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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
The last stock split was on September 1, 1995. It was a forward split with a ratio of 3:1.
| Last Split Date | Sep 1, 1995 |
| Split Type | Forward |
| Split Ratio | 3:1 |
Scores
WRLD 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 |
