WRLD Financial Services

World Acceptance Corporation

$165.66+0.14%

Price as of close on Nov 3, 2026 · Financials updated Oct 1, 2026

Basics

Sector: Financial Services
Industry: Credit Services
Country: United States
Market cap: 772.0M USD
Full-time employees: 2,907

Overall health

Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its share price swings more than most peers’ (beta 1.14 vs a peer median of 0.70)bigger price swings (beta 1.14 vs peers 0.70)
Drawback: more debt relative to equity (1.58× vs a peer median of 0.57×)more debt vs equity (1.58× vs peers 0.57×)
About average: profitability and valuation

Ranks #119 of 232 financial services companies (bottom 50%)

See how it ranks against its peers

Worth knowing

Share count shrinking. Shares outstanding down 25% from March 2023 to July 2026.
World Acceptance had 25% fewer shares at July 2026 than at March 2023, mainly through buybacks, so each remaining share owns a larger slice of the business.

StockQuotient Score

51/ 100

Oct 5 50 → Nov 4 51 (+1)

Valuation

Is the price right?

51/100

Moderate▲ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 50 → 51

Share price -2.5%+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Helped by:

▲ EBITDA yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield5.1%

SEC filings · 12 months to Jun 2026Reported value30% base weight · Z-score -0.18Sector median: 0.0571 · MAD: 0.0371

EBITDA yield8.1%

Yahoo Finance fallback · SEC enterprise value unavailable (debt or EBITDA not reported in standard form) · trailing 12 monthsReported value50% base weight · Z-score 0.29Sector median: 0.0689 · MAD: 0.0428

Other data (not scored)

Book yield46.9%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.8352 · MAD: 0.4517

Free cash flow yield33.8%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingNot scored for lenders: their free cash flow is mostly loan origination and repaymentInformational · 0% composite weightSector median: 0.0613 · MAD: 0.0605

Growth

Is it growing?

18/100

Weak

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth
▼ 3-yr revenue

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth-43.4%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -1.93Sector median: 0.0999 · MAD: 0.2773

3-year revenue growth-0.4%

SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score -1.21Sector median: 0.0999 · MAD: 0.0858

Revenue growth4.3%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.21Sector median: 0.0742 · MAD: 0.1477

Profitability

Does it earn well?

54/100

Moderate

2/3 inputs reported · Partial data

Since last quarter: No major change

Why

Helped by:

▲ ROA

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating marginUnavailable

Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.2353 · MAD: 0.1462

Return on assets3.6%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.46Sector median: 0.0256 · MAD: 0.0233

Return on invested capital7.1%

Yahoo Finance fallback · SEC operating income or invested capital unavailable · trailing 12 monthsReported value33% base weight · Z-score 0.15Sector median: 0.0630 · MAD: 0.0518

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122

Return on equity10.8%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702

Risk

Debt, liquidity, price swings

Lower

Lower relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Safety percentile 82 → 80

Peer companies moved-2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Current ratio

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta1.14

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -1.42Sector median: 0.7010 · MAD: 0.3115

Current ratio10.38×

Yahoo Finance fallback · SEC figure unavailable or out of dateReported value33% base weight · Z-score 6.70Sector median: 2.0250 · MAD: 1.2470

Debt / equity1.58×

SEC filings · latest balance sheetReported value33% base weight · Z-score -1.85Sector median: 0.5734 · MAD: 0.5454

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about World Acceptance

Is World Acceptance getting weaker?: Its latest SEC filing (Aug 6, 2026) showed no major changes. Its overall score is unchanged at 51/100 since Oct 28, 2026.
How is World Acceptance valued vs its peers?: Priced about in line with its peers. Valuation scores 51/100 against 432 financial services peers. EBITDA yield 8.1% vs a peer median of 6.9% (stronger than 61% of peers).EBITDA yield 8.1% vs peers 6.9% (stronger than 61% of peers).
Is World Acceptance growing?: More slowly than most of its peers. Growth scores 18/100 against 432 financial services peers. Earnings per share growth -43.4% vs a peer median of 10.0% (weaker than 86% of peers).Earnings per share growth -43.4% vs peers 10.0% (weaker than 86% of peers).
How profitable is World Acceptance?: About as profitable as its peers. Profitability scores 54/100 against 432 financial services peers. Return on assets 3.6% vs a peer median of 2.6% (stronger than 63% of peers).Return on assets 3.6% vs peers 2.6% (stronger than 63% of peers).
How risky is World Acceptance?: Lower risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Current ratio 10.38× vs a peer median of 2.02× (stronger than 84% of peers).Current ratio 10.38× vs peers 2.02× (stronger than 84% of peers). Beta 1.14 vs a peer median of 0.70 (weaker than 78% of peers).Beta 1.14 vs peers 0.70 (weaker than 78% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 6, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	585.2M USD	591.6M USD	+1.1%
Net income (12 months)	34.6M USD	39.1M USD	+13.1%
Free cash flow (12 months)	255.5M USD	261.5M USD	+2.3%
Debt	587.2M USD	572.8M USD	−2.5%
Cash	6.1M USD	10.4M USD	+71.6%
Shares outstanding	4.6M	4.7M	+0.5%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Financial Services · 98 companies

Valuations in Financial Services are above their usual range since 2016.

67% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
Median price-to-sales is +30% vs the whole market, against a usual +47%.

2016Shaded: most expensive fifth of its range2026

Shown for Financial Services: too few Credit Services companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY Mar 2022	FY Mar 2023	FY Mar 2024	FY Mar 2025	FY Mar 2026	Change
Net margin	9.2%	3.4%	13.5%	15.8%	5.9%	▼ 9.9 pts
Return on assets (ROA)	4.4%	1.9%	7.3%	8.8%	3.3%	▼ 5.6 pts
Return on equity (ROE)	14.5%	5.5%	18.2%	20.4%	9.9%	▼ 11 pts
Debt to equity	1.87×	1.56×	1.18×	1.02×	1.67×	▲ 63%

WRLD price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its share price swings more than most peers’ (beta 1.14 vs a peer median of 0.70)bigger price swings (beta 1.14 vs peers 0.70)

Drawback: more debt relative to equity (1.58× vs a peer median of 0.57×)more debt vs equity (1.58× vs peers 0.57×)

About average: profitability and valuation

Ranks #119 of 232 financial services companies (bottom 50%)

See how it ranks against its peers

Questions investors ask about World Acceptance

Is World Acceptance getting weaker?

Its latest SEC filing (Aug 6, 2026) showed no major changes. Its overall score is unchanged at 51/100 since Oct 28, 2026.

How is World Acceptance valued vs its peers?

Priced about in line with its peers. Valuation scores 51/100 against 432 financial services peers. EBITDA yield 8.1% vs a peer median of 6.9% (stronger than 61% of peers).EBITDA yield 8.1% vs peers 6.9% (stronger than 61% of peers).

Is World Acceptance growing?

More slowly than most of its peers. Growth scores 18/100 against 432 financial services peers. Earnings per share growth -43.4% vs a peer median of 10.0% (weaker than 86% of peers).Earnings per share growth -43.4% vs peers 10.0% (weaker than 86% of peers).

How profitable is World Acceptance?

About as profitable as its peers. Profitability scores 54/100 against 432 financial services peers. Return on assets 3.6% vs a peer median of 2.6% (stronger than 63% of peers).Return on assets 3.6% vs peers 2.6% (stronger than 63% of peers).

How risky is World Acceptance?

Lower risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Current ratio 10.38× vs a peer median of 2.02× (stronger than 84% of peers).Current ratio 10.38× vs peers 2.02× (stronger than 84% of peers). Beta 1.14 vs a peer median of 0.70 (weaker than 78% of peers).Beta 1.14 vs peers 0.70 (weaker than 78% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

585.2M USD

591.6M USD

+1.1%

Net income (12 months)

34.6M USD

39.1M USD

+13.1%

Free cash flow (12 months)

255.5M USD

261.5M USD

+2.3%

Debt

587.2M USD

572.8M USD

−2.5%

Cash

6.1M USD

10.4M USD

+71.6%

Shares outstanding

4.6M

4.7M

+0.5%

Key ratios

FY Mar 2022

FY Mar 2023

FY Mar 2024

FY Mar 2025

FY Mar 2026

Change

Net margin

9.2%

3.4%

13.5%

15.8%

5.9%

▼ 9.9 pts

Return on assets (ROA)

4.4%

1.9%

7.3%

8.8%

3.3%

▼ 5.6 pts

Return on equity (ROE)

14.5%

5.5%

18.2%

20.4%

9.9%

▼ 11 pts

Debt to equity

1.87×

1.56×

1.18×

1.02×

1.67×

▲ 63%