YOLFTbeta
World Acceptance Corporation

World Acceptance Corporation

WRLD · NASDAQ · Financial Services / Credit Services

138.16USD+1.86 (+1.36%)

Price History

Full chart

Market Stats

Previous Close136.30
Open136.90
Day Range132.69 – 143.46
52-Week Range110.00 – 227.68
Volume75.30K
Market Cap803.97M
P/E (TTM)21.64
Forward P/E9.61
EPS7.97
Dividend Yield0.00%
Beta1.14
50-Day Avg186.17
200-Day Avg160.45

About

World Acceptance Corporation engages in consumer finance business in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides income tax return preparation and electronic filing services; and automobile club memberships to borrowers. The company serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Luke J. Umstetter
  • Employees2.91K
  • Headquarters104 S. Main St., Greenville, SC, United States, 29601, USA
  • Websitehttps://www.loansbyworld.com

Leadership

  • Mr. Luke J. UmstetterSenior VP, General Counsel, Chief Compliance Officer & Secretary · b. 1980
  • Victoria G. HammondSenior Vice President of Marketing
  • Ms. Alice Lindsay CaulderSenior Vice President of Human Resources · b. 1976
  • Mr. Jeff L. TinneySenior Vice President of Operations · b. 1963
  • Mr. Jackie C. WillyardSenior Vice President of Operations · b. 1963
  • Mr. Jason E. ChildersSenior Vice President of Information Technology Strategic Solutions · b. 1975
  • Rodney D. ErnestSenior Vice President of Operations

Financials

Income Statement

Currency: USD1990-03-311991-03-311992-03-311993-03-311994-03-311995-03-311996-03-311997-03-311998-03-311999-03-312000-03-312001-03-312002-03-312003-03-312004-03-312005-03-312006-03-312007-03-312008-03-312009-03-312010-03-312011-03-312012-03-312013-03-312014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Total Revenue--39.90M43.90M50.70M58.20M69.90M72.80M80.70M91.80M105.28M120.54M136.56M155.67M179.15M210.76M243.27M292.32M346.05M392.15M440.64M491.45M526.26M563.64M599.26M610.21M557.48M490.82M502.67M544.54M590.03M527.99M585.19M616.55M573.21M564.84M585.17M
Growth (%)---+10.03%+15.49%+14.79%+20.10%+4.15%+10.85%+13.75%+14.68%+14.50%+13.28%+14.00%+15.08%+17.64%+15.43%+20.16%+18.38%+13.32%+12.36%+11.53%+7.08%+7.10%+6.32%+1.83%-8.64%-11.96%+2.41%+8.33%+8.35%-10.51%+10.83%+5.36%-7.03%-1.46%+3.60%
Cost of Revenue--9.70M4.30M3.70M3.60M3.50M4.30M15.10M17.20M21.71M28.01M31.10M34.06M37.42M44.68M53.16M61.52M79.11M100.36M104.18M110.68M35.56B131.72M147.77M142.13M150.45M140.60M136.71M166.36M207.63M111.94M219.63M309.93M205.21M169.22M238.05M
Gross Profit--30.20M39.60M47.00M54.60M66.40M68.50M65.60M74.60M83.56M92.54M105.45M121.61M141.73M166.08M190.11M230.80M266.94M291.79M336.46M380.76M-35.04B431.92M451.49M468.08M407.03M350.22M365.96M378.18M382.40M416.05M365.55M306.62M368.01M395.63M347.12M
Gross Margin--75.69%90.21%92.70%93.81%94.99%94.09%81.29%81.26%79.38%76.76%77.22%78.12%79.11%78.80%78.15%78.95%77.14%74.41%76.36%77.48%-6657.61%76.63%75.34%76.71%73.01%71.35%72.80%69.45%64.81%78.80%62.47%49.73%64.20%70.04%59.32%
Operating Expense--26.30M32.30M37.80M41.10M50.20M56.40M53.60M63.70M61.84M68.26M75.42M85.76M96.31M112.22M128.51M153.63M179.22M200.22M217.01M237.51M-35.20B265.63M281.25M292.05M269.14M244.27M269.11M288.30M347.49M304.64M299.98M279.47M268.60M237.12M301.88M
Operating Income-600.00K1.30M3.90M7.30M9.20M13.50M16.20M12.10M12.00M10.90M21.73M24.27M30.03M35.85M45.42M53.86M61.59M77.17M87.72M91.57M119.44M143.25M159.87M166.29M170.24M176.03M137.89M105.95M96.85M89.88M34.91M111.40M65.58M27.15M99.41M158.50M45.24M
Operating Margin--9.77%16.63%18.15%23.20%23.18%16.62%14.87%11.87%20.64%20.13%21.99%23.03%25.35%25.55%25.32%26.40%25.35%23.35%27.11%29.15%30.38%29.50%28.41%28.85%24.73%21.59%19.27%16.51%5.92%21.10%11.21%4.40%17.34%28.06%7.73%
EBITDA-600.00K1.30M4.20M11.70M13.90M17.50M20.00M16.50M15.00M13.80M24.78M27.70M33.86M39.87M49.59M58.57M66.85M83.49M90.99M99.56M127.45M151.37M161.57M174.10M177.58M183.29M144.92M113.36M105.18M98.01M47.07M123.82M77.25M38.06M110.30M164.97M54.23M
EBITDA Margin--10.53%26.65%27.42%30.07%28.61%22.66%18.59%15.03%23.54%22.98%24.79%25.61%27.68%27.79%27.48%28.56%26.29%25.39%28.92%30.80%30.70%30.89%29.63%30.04%26.00%23.10%20.92%18.00%7.98%23.45%13.20%6.17%19.24%29.21%9.27%
Net Income-600.00K1.30M2.00M4.40M5.80M8.60M10.60M8.10M8.10M7.30M14.17M15.60M19.34M22.86M28.77M33.99M38.51M47.90M53.00M56.49M73.66M91.25M100.69M104.09M106.61M110.83M87.40M73.60M53.69M37.24M28.16M88.28M53.92M21.23M77.35M89.74M34.59M
Net Income Margin--5.01%10.02%11.44%14.78%15.16%11.13%10.04%7.95%13.46%12.94%14.16%14.69%16.06%16.13%15.83%16.39%15.31%14.41%16.72%18.57%19.13%18.47%17.79%18.16%15.68%15.00%10.68%6.84%4.77%16.72%9.21%3.44%13.49%15.89%5.91%
R&D----------------------0-0000.210.190.170.060.210.110.040.17--
R&D as % of Total Revenue----------------------0.00%-0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense005.90M4.30M3.70M3.60M3.50M4.30M5.50M5.50M6.02M8.26M5.41M4.49M3.94M4.64M7.14M9.60M11.57M14.89M13.88M14.77M13.90M17.39M21.20M23.30M26.85M21.50M19.09M17.93M25.90M25.70M33.42M50.46M48.23M42.71M49.44M
Interest Expense % of Total Revenue--14.79%9.79%7.30%6.19%5.01%5.91%6.82%5.99%5.71%6.85%3.97%2.89%2.20%2.20%2.93%3.28%3.34%3.80%3.15%3.01%2.64%3.09%3.54%3.82%4.82%4.38%3.80%3.29%4.39%4.87%5.71%8.18%8.41%7.56%8.45%

Balance Sheet

Currency: USD1990-03-311991-03-311992-03-311993-03-311994-03-311995-03-311996-03-311997-03-311998-03-311999-03-312000-03-312001-03-312002-03-312003-03-312004-03-312005-03-312006-03-312007-03-312008-03-312009-03-312010-03-312011-03-312012-03-312013-03-312014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Total Assets--62.60M63.40M73.20M83.50M89.40M102.20M118.40M133.40M153.47M183.16M195.25M228.32M261.97M293.51M332.78M411.12M486.11M526.09M593.05M666.40M735.00M809.32M850.03M866.13M804.33M800.59M840.99M854.99M1.03B954.27M1.22B1.12B1.06B1.01B1.05B
Total Liabilities--46.00M42.40M46.30M47.70M44.50M63.20M71.10M78.70M85.28M100.43M92.81M112.28M105.39M103.80M122.35M195.62M251.81M229.76M210.10M223.82M316.13M442.93M542.67M550.56M413.64M339.52M299.88M302.87M618.12M549.34M845.27M732.09M631.92M571.50M703.12M
Total Equity--16.60M21.00M26.90M35.80M44.90M39.00M47.30M54.70M68.19M82.73M102.43M116.04M156.58M189.71M210.43M215.49M234.31M296.33M382.95M442.58M418.88M366.40M307.36M315.57M390.69M461.06M541.11M552.12M411.96M404.93M373.02M385.23M424.43M436.99M351.01M
Cash--400.00K500.00K1.30M1.20M1.70M1.50M1.20M1.20M1.69M3.29M3.22M4.02M4.31M3.05M4.03M5.78M7.59M6.26M5.45M8.03M10.77M11.63M19.57M38.34M12.38M15.20M32.09M9.34M11.62M15.75M19.24M16.51M11.84M4.71M6.07M
Total Debt--38.40M32.80M36.10M37.90M38.30M58.70M64.20M71.70M78.38M91.63M83.38M102.53M95.03M83.90M100.60M171.20M214.90M102.04M170.64M187.43M279.25M400.25M505.50M501.15M374.69M295.14M244.90M251.94M553.86M496.73M779.85M679.00M577.95M525.56M661.19M
Net Debt--38.00M32.30M34.80M36.70M36.60M57.20M63.00M70.50M76.69M88.34M80.16M98.51M90.72M80.85M96.57M165.42M207.31M95.78M165.20M179.40M268.48M388.62M485.93M462.81M362.31M279.94M212.81M242.60M542.24M480.98M760.61M662.49M566.11M520.84M655.12M

Cash Flow

Currency: USD1992-03-311993-03-311994-03-311995-03-311996-03-311997-03-311998-03-311999-03-312000-03-312001-03-312002-03-312003-03-312004-03-312005-03-312006-03-312007-03-312008-03-312009-03-312010-03-312011-03-312012-03-312013-03-312014-03-312015-03-312016-03-312017-03-312018-03-312019-03-312020-03-312021-03-312022-03-312023-03-312024-03-312025-03-312026-03-31
Operating Cash Flow12.00M14.00M14.70M18.20M21.70M20.60M19.00M20.70M31.86M39.10M48.29M55.14M69.87M87.70M98.00M110.09M136.02M153.91M183.61M199.84M219.40M232.04M245.96M241.89M206.07M219.36M218.03M244.66M280.98M226.95M272.45M291.55M265.78M254.16M259.36M
Investing Cash Flow-6.80M-8.30M-17.00M-20.20M-21.80M-27.20M-25.00M-28.20M-37.48M-49.64M-39.95M-63.84M-70.58M-74.16M-95.67M-120.55M-138.77M-149.28M-161.99M-171.39M-178.33M-181.54M-165.59M-108.25M-101.89M-131.61M-169.81M-206.97M-279.09M-82.00M-451.89M-180.58M-135.14M-152.75M-232.88M
Financing Cash Flow-5.00M-5.70M3.20M1.90M600.00K6.40M5.70M7.50M6.07M12.14M-8.41M9.50M1.01M-15.17M-1.34M12.20M4.56M-5.64M-22.62M-25.97M-38.14M-50.04M-71.83M-112.48M-128.64M-84.15M-31.46M-63.12M394.49K-140.83M182.93M-113.70M-135.31M-103.52M-6.83M
Capital Expenditure300.00K800.00K1.50M1.80M2.20M1.70M1.80M1.30M1.89M1.34M1.98M2.89M5.54M6.85M5.91M8.31M9.73M11.54M6.15M7.14M7.72M7.63M7.71M9.05M8.74M10.95M11.16M20.03M25.73M11.68M6.07M5.83M5.93M3.68M3.88M
Free Cash Flow11.70M13.20M13.20M16.40M19.50M18.90M17.20M19.40M29.97M37.76M46.31M52.25M64.32M80.85M92.09M101.77M126.29M142.38M177.46M192.69M211.68M224.42M238.25M232.84M197.33M208.42M206.87M224.64M255.24M215.27M266.38M285.73M259.85M250.48M255.48M
Dividends Paid--------------------0-000006.00M4.61M12.27M12.81M654.92K---
FCF to OCF97.50%94.29%89.80%90.11%89.86%91.75%90.53%93.72%94.06%96.57%95.90%94.76%92.07%92.19%93.97%92.45%92.85%92.50%96.65%96.43%96.48%96.71%96.86%96.26%95.76%95.01%94.88%91.81%90.84%94.85%97.77%98.00%97.77%98.55%98.50%
Dividend Paid to FCF--------------------0.00%-0.00%0.00%0.00%0.00%0.00%2.67%1.81%5.70%4.81%0.23%---

Earnings

Report DateOct 9, 1995Jan 10, 1996Apr 17, 1996Jul 11, 1996Oct 15, 1996Jan 15, 1997Apr 23, 1997Jul 17, 1997Oct 16, 1997Jan 15, 1998Apr 23, 1998Jul 16, 1998Oct 15, 1998Jan 14, 1999Apr 22, 1999Jul 15, 1999Oct 14, 1999Jan 13, 2000Apr 20, 2000Jul 18, 2000Oct 24, 2000Jan 23, 2001Apr 24, 2001Jul 18, 2001Oct 16, 2001Jan 18, 2002Apr 23, 2002Jul 23, 2002Oct 17, 2002Jan 22, 2003Apr 22, 2003Jul 17, 2003Oct 22, 2003Jan 20, 2004Apr 27, 2004Jul 21, 2004Oct 18, 2004Jan 24, 2005Apr 26, 2005Jul 25, 2005Oct 25, 2005Jan 24, 2006Apr 25, 2006Jul 25, 2006Oct 24, 2006Jan 25, 2007Apr 26, 2007Jul 26, 2007Oct 23, 2007Jan 24, 2008Apr 24, 2008Jul 29, 2008Oct 23, 2008Jan 28, 2009Apr 29, 2009Jul 29, 2009Oct 29, 2009Jan 28, 2010Apr 29, 2010Jul 27, 2010Oct 26, 2010Jan 27, 2011Apr 28, 2011Jul 27, 2011Oct 27, 2011Jan 25, 2012Apr 26, 2012Jul 26, 2012Oct 25, 2012Jan 30, 2013Apr 25, 2013Jul 25, 2013Oct 24, 2013Jan 28, 2014Apr 29, 2014Jul 22, 2014Oct 22, 2014Jan 29, 2015Apr 30, 2015Jul 23, 2015Oct 29, 2015Jan 28, 2016May 5, 2016Jul 28, 2016Nov 3, 2016Jan 26, 2017May 9, 2017Aug 3, 2017Nov 1, 2017Jan 26, 2018May 10, 2018Jul 26, 2018Nov 1, 2018Jan 31, 2019May 9, 2019Jul 25, 2019Oct 31, 2019Jan 30, 2020May 7, 2020Jul 30, 2020Oct 22, 2020Jan 22, 2021May 6, 2021Jul 21, 2021Oct 26, 2021Jan 25, 2022May 5, 2022Jul 27, 2022Oct 27, 2022Jan 26, 2023May 4, 2023Jul 21, 2023Oct 20, 2023Jan 19, 2024May 2, 2024Jul 26, 2024Oct 25, 2024Jan 28, 2025Apr 29, 2025Jul 24, 2025Oct 23, 2025Jan 27, 2026Apr 30, 2026Jul 24, 2026Oct 22, 2026
EPS Estimate0.110.090.200.110.110.090.170.100.120.060.200.110.100.080.250.140.130.120.280.160.180.170.350.180.220.130.450.220.240.170.520.270.300.220.650.340.370.270.720.410.380.330.840.440.510.381.140.640.590.451.380.730.670.371.360.690.740.661.800.971.061.062.101.271.451.322.471.501.921.653.051.832.001.753.532.162.292.163.672.512.192.003.702.221.711.492.672.031.670.973.531.981.461.253.561.871.120.483.320.350.670.695.092.002.561.806.140.110.170.551.600.631.771.884.351.691.991.965.842.161.110.937.740.580.79
EPS Actual0.120.080.190.100.100.050.170.090.080.050.210.110.100.110.250.160.160.140.280.170.170.110.380.190.190.160.470.250.260.190.570.300.320.230.630.370.360.280.730.380.390.300.960.530.520.391.170.610.600.521.440.730.650.521.580.810.890.871.771.141.261.122.111.271.521.302.541.631.721.583.011.871.801.983.522.192.162.015.342.712.221.703.291.891.761.103.641.481.101.373.701.691.510.674.220.970.510.293.242.241.962.256.962.441.941.142.97-1.53-0.240.981.971.622.712.846.091.793.992.458.130.25-0.38-0.197.702.12-
Surprise9.09%-11.11%-5.00%-9.09%-9.09%-44.44%0.00%-10.00%-33.33%-16.67%5.00%0.00%0.00%37.50%0.00%14.29%23.08%16.67%0.00%6.25%-5.56%-35.29%8.57%5.56%-13.64%23.08%4.44%13.64%8.33%11.76%9.62%11.11%6.67%4.55%-3.08%8.82%-2.70%3.70%1.39%-7.32%2.63%-9.09%14.29%20.45%1.96%2.63%2.63%-4.69%1.69%15.56%4.35%0.00%-2.99%40.54%16.18%17.39%20.27%31.82%-1.67%17.53%18.87%5.66%0.48%0.00%4.83%-1.52%2.83%8.67%-10.42%-4.24%-1.31%2.19%-10.00%13.14%-0.28%1.39%-5.68%-6.94%45.50%7.97%1.37%-15.00%-11.08%-14.86%2.92%-26.17%36.33%-27.09%-34.13%41.24%4.82%-14.65%3.42%-46.40%18.54%-48.13%-54.46%-39.58%-2.41%540.00%192.54%226.09%36.74%22.00%-24.22%-36.67%-51.63%-1490.91%-241.18%78.18%23.13%157.14%53.11%51.06%40.00%5.92%100.50%25.00%39.21%-88.43%-134.23%-120.43%-0.52%265.52%-
Timing------Pre-marketPre-marketPre-marketPre-marketPre-market-------------After-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap803.97M
Enterprise Value1.42B
Trailing P/E21.64
Forward P/E9.61
PEG Ratio0.70
Price / Sales1.36
Price / Book2.18
EPS7.97
Book Value80.15
Revenue (TTM)591.22M
Gross Profit (TTM)409.38M
EBITDA112.58M
Profit Margin6.61%
Operating Margin15.32%
Return on Equity9.90%
Return on Assets6.17%
Shares Outstanding4.66M
Shares Float2.32M
Beta1.14
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Hold
Based on 2 analystsTarget 210.00
  • Hold
    2

Ownership Breakdown

Institutions
92.40%
Insiders
18.11%
Retail / Other
0.00%

Top Institutional Holders

  • Prescott General Partners LLC
    1.51M32.43%
  • BlackRock Inc
    452.41K9.70%
  • Dimensional Fund Advisors, Inc.
    222.88K4.78%
  • AQR Capital Management LLC
    154.97K3.32%
  • UBS Group AG
    133.47K2.86%
  • Vanguard Capital Management, LLC
    118.36K2.54%
  • State Street Corp
    118.25K2.54%
  • Vanguard Portfolio Management, LLC
    102.94K2.21%
  • American Century Companies Inc
    92.36K1.98%
  • Charles Schwab Investment Management Inc
    78.50K1.68%
  • Smith Thomas W
    71.15K1.53%
  • Geode Capital Management, LLC
    67.60K1.45%
  • Jane Street Group LLC
    67.54K1.45%
  • Jacobs Levy Equity Management, Inc.
    64.88K1.39%
  • Citadel Advisors Llc
    60.06K1.29%
  • Ingalls & Snyder LLC
    53.64K1.15%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    164.27K3.52%
  • Vanguard MStar Total Stk Mkt Idx Invest
    77.84K1.67%
  • Avantis US Small Cap Value ETF
    74.84K1.61%
  • iShares Russell 2000 ETF
    65.82K1.41%

Stock Splits

  • Sep 1, 19953:1