World Acceptance Statistics
Total Valuation
WRLD has a market cap or net worth of $688.74 million. The enterprise value is $1.33 billion.
Important Dates
The last earnings date was Thursday, October 23, 2025, before market open.
| Earnings Date | Oct 23, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
WRLD has 4.79 million shares outstanding. The number of shares has decreased by -6.63% in one year.
| Current Share Class | 4.79M |
| Shares Outstanding | 4.79M |
| 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 13.36 and the forward PE ratio is 12.73.
| PE Ratio | 13.36 |
| Forward PE | 12.73 |
| PS Ratio | 1.33 |
| Forward PS | 1.19 |
| PB Ratio | 1.89 |
| P/TBV Ratio | 1.95 |
| P/FCF Ratio | 2.70 |
| P/OCF Ratio | 2.66 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 10.48, with an EV/FCF ratio of 5.23.
| EV / Earnings | 23.38 |
| EV / Sales | 2.34 |
| EV / EBITDA | 10.48 |
| EV / EBIT | 11.33 |
| EV / FCF | 5.23 |
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 | $201,114 |
| Profits Per Employee | $20,107 |
| Employee Count | 2,838 |
| Asset Turnover | 0.54 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, WRLD has paid $14.33 million in taxes.
| Income Tax | 14.33M |
| Effective Tax Rate | 20.07% |
Stock Price Statistics
The stock price has increased by +15.34% in the last 52 weeks. The beta is 1.08, so WRLD's price volatility has been similar to the market average.
| Beta (5Y) | 1.08 |
| 52-Week Price Change | +15.34% |
| 50-Day Moving Average | 153.74 |
| 200-Day Moving Average | 151.10 |
| Relative Strength Index (RSI) | 45.68 |
| Average Volume (20 Days) | 83,758 |
Short Selling Information
The latest short interest is 258,120, so 5.39% of the outstanding shares have been sold short.
| Short Interest | 258,120 |
| Short Previous Month | 229,733 |
| Short % of Shares Out | 5.39% |
| Short % of Float | 10.94% |
| Short Ratio (days to cover) | 3.83 |
Income Statement
In the last 12 months, WRLD had revenue of $570.76 million and earned $57.06 million in profits. Earnings per share was $10.75.
| Revenue | 570.76M |
| Gross Profit | 393.28M |
| Operating Income | 117.79M |
| Pretax Income | 71.39M |
| Net Income | 57.06M |
| EBITDA | 127.32M |
| EBIT | 117.79M |
| Earnings Per Share (EPS) | $10.75 |
Full Income StatementBalance Sheet
The company has $14.88 million in cash and $660.08 million in debt, giving a net cash position of -$645.20 million or -$134.64 per share.
| Cash & Cash Equivalents | 14.88M |
| Total Debt | 660.08M |
| Net Cash | -645.20M |
| Net Cash Per Share | -$134.64 |
| Equity (Book Value) | 365.65M |
| Book Value Per Share | 75.87 |
| Working Capital | 836.56M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $258.77 million and capital expenditures -$3.51 million, giving a free cash flow of $255.26 million.
| Operating Cash Flow | 258.77M |
| Capital Expenditures | -3.51M |
| Free Cash Flow | 255.26M |
| FCF Per Share | $53.27 |
Full Cash Flow StatementMargins
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
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 | 6.63% |
| Shareholder Yield | 6.63% |
| Earnings Yield | 8.29% |
| FCF Yield | 37.06% |
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 2.61 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 |