World Acceptance WRLD

Financial - Credit Services, Financial Services

$167.04

−1.54%

Market cap: $778.9M
PE: 20.1×; 10y median 15.1×
Forward PE: n/m; not a meaningful number
Price to sales: 1.3×
EV/EBIT: 12.7×
Revenue, 12 months: $591.6M; +4% on a year ago
Net margin: 6.6%
Free cash flow yield: 33.6%

World Acceptance trades at 20.1× trailing earnings, pricier than 73% of the last ten years. Revenue was $591.6M over the last twelve months, up 4% on a year earlier with a 7% net margin.

Charts

Financials

Income statement for WRLD, by quarter
Income statement	Q2 FY24	Q3 FY24	Q4 FY24	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26	Q1 FY27
	$136.9M−10%	$137.8M−6%	$159.3M−1%	$129.8M−7%	$131.7M−4%	$139M+1%	$163.7M+3%	$132.8M+2%	$134.8M+2%	$141.6M+2%	$175.9M+8%	$139.2M+5%
Interest expense	$12.5M−4%	$11.7M−17%	$11.8M−4%	$9.8M−20%	$10.5M−17%	$11.3M−3%	$11.2M−5%	$9.6M−1%	$14.3M+37%	$12.8M+13%	$12.7M+13%	$11.4M+19%
Pre-tax income	$20.9M	$19.5M+147%	$46.6M+55%	$12.9M+5%	$27.9M+34%	$16M−18%	$54.4M+17%	$2.3M−82%	−$1.7M	−$1M	$46M−16%	$7.9M+248%
	$4.8M+782%	$2.9M+36%	$11.6M+113%	$3M+8%	$5.9M+22%	$2.7M−5%	$10.4M−10%	$684.3K−78%	$358K−94%	−$4K	$9.6M−8%	$1.8M+162%
Net income	$16.1M	$16.7M+187%	$35.1M+42%	$10.2M+6%	$22.4M+39%	$13.6M−18%	$43.1M+23%	$1.6M−84%	−$1.7M	−$625K	$35.3M−18%	$6.1M+285%
	$2.71	$2.84+187%	$6.09+45%	$1.82+12%	$4.03+49%	$2.49−12%	$7.91+30%	$0.30−84%	−$0.33	−$0.13	$7.44−6%	$1.33+343%
	5.9M+4%	5.9M+0%	5.8M−3%	5.6M−6%	5.5M−7%	5.5M−7%	5.4M−5%	5.3M−5%	5.1M−8%	4.8M−13%	4.8M−12%	4.6M−13%

Net income: Q4 FY23: the year less its other three quarters as the newest filings print them.

EPS, diluted: Q2 FY20 and Q3 FY20: quarter's net income to common over its shares, to the cent.

Diluted shares: 14 periods, Q4 FY11 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days. Q4 FY23 and Q4 FY26: the earlier year to date counted no dilution: the quarter's basic count plus the later year to date's dilution.

From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.

Peers

Companies in Financial - Credit Services nearest World Acceptance's size, closest first.

Company	Market cap	PE	Its 10y median PE	P/S	Revenue growth	Net margin
WRLDWorld Acceptance	$778.9M	20.1×	15.1×	1.3×	+4%	6.6%
PHRPhreesia	$788.3M	74.7×	71.5×	1.6×	+13%	2.1%
MAXMediaAlpha	$729M	7.4×	25.9×	0.6×	+14%	7.9%
PAYSPaysign	$842.4M	57.4×	52.5×	8.4×	+47%	15.7%
CASSCass Information Systems	$702.2M	19.7×	23.4×	3.5×	+8%	18.5%
RHLDResolute Holdings Management	$934.6M	22.0×	20.9×	0.8×	+159%	4.2%
PRTHPriority Technology	$644.7M	11.3×	15.2×	0.6×	+9%	5.6%
QNSTQuinstreet	$943.1M	n/m	43.3×	0.7×	+18%	n/m
VELVelocity Financial	$604.1M	5.6×	10.5×	n/m	n/m	n/m
PWPPerella Weinberg Partners	$1.2B	59.0×	41.7×	1.7×	−21%	3.2%
JCAPJefferson Capital	$1.2B	8.3×	8.4×	1.8×	+23%	23.5%
Peer median	$815.4M	19.7×	24.7×	1.6×	+14%	6.8%