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World Acceptance Corporation WRLD

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Price alert · WRLD

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161.10 USD -4.56 (-2.75%)

At closeNov 4, 2026, 6:50 PM EST

160.01 -1.09 -0.68%

After hours · Nov 4, 6:50 PM ET

160.52 Day range 170.62
110.00 52-week range 227.68
YTD
+14.75%
1 year
+22.12%

Financial health

Altman Z-Score

1.36 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 2
  • P/E 2
  • P/B 1

Valuation

P/E 19.4×
FY 2017: 6.1×FY 2018: 17.2×FY 2019: 30.0×FY 2020: 14.9×FY 2021: 9.8×FY 2022: 21.6×FY 2023: 22.6×FY 2024: 10.3×FY 2025: 7.7×FY 2026: 19.4×
FY 2017 5y median 19.4× FY 2026
P/S 1.2×
FY 2017: 0.9×FY 2018: 1.8×FY 2019: 2.0×FY 2020: 0.7×FY 2021: 1.6×FY 2022: 2.0×FY 2023: 0.8×FY 2024: 1.4×FY 2025: 1.2×FY 2026: 1.2×
FY 2017 5y median 1.2× FY 2026
P/B 1.9×
FY 2017: 1.0×FY 2018: 1.7×FY 2019: 2.0×FY 2020: 1.0×FY 2021: 2.1×FY 2022: 3.1×FY 2023: 1.2×FY 2024: 1.9×FY 2025: 1.6×FY 2026: 1.9×
FY 2017 5y median 1.9× FY 2026
P/FCF 2.7×
FY 2017: 2.2×FY 2018: 4.5×FY 2019: 4.9×FY 2020: 1.6×FY 2021: 4.0×FY 2022: 4.4×FY 2023: 1.7×FY 2024: 3.1×FY 2025: 2.8×FY 2026: 2.7×
FY 2017 5y median 2.8× FY 2026
EV/EBITDA 24.6×
FY 2017: 6.4×FY 2018: 11.0×FY 2019: 13.8×FY 2020: 20.4×FY 2021: 10.9×FY 2022: 24.9×FY 2023: 30.0×FY 2024: 12.4×FY 2025: 7.4×FY 2026: 24.6×
FY 2017 5y median 24.6× FY 2026
EV/Sales 2.3×
FY 2017: 1.5×FY 2018: 2.3×FY 2019: 2.5×FY 2020: 1.6×FY 2021: 2.6×FY 2022: 3.3×FY 2023: 1.9×FY 2024: 2.4×FY 2025: 2.2×FY 2026: 2.3×
FY 2017 5y median 2.3× FY 2026
FCF Yield 37.6%
FY 2017: 46.2%FY 2018: 22.3%FY 2019: 20.3%FY 2020: 60.8%FY 2021: 24.9%FY 2022: 22.9%FY 2023: 59.7%FY 2024: 32.5%FY 2025: 35.9%FY 2026: 37.6%
FY 2017 5y median 35.9% FY 2026

Profitability

Gross Margin 59.3%
FY 2017: 71.4%FY 2018: 72.8%FY 2019: 69.4%FY 2020: 64.8%FY 2021: 78.8%FY 2022: 62.5%FY 2023: 49.7%FY 2024: 64.2%FY 2025: 70.0%FY 2026: 59.3%
FY 2017 5y median 62.5% FY 2026
Operating Margin 7.7%
FY 2017: 21.6%FY 2018: 19.3%FY 2019: 16.5%FY 2020: 5.9%FY 2021: 21.1%FY 2022: 11.2%FY 2023: 4.4%FY 2024: 17.3%FY 2025: 28.1%FY 2026: 7.7%
FY 2017 5y median 11.2% FY 2026
Net Margin 5.9%
FY 2017: 15.0%FY 2018: 10.7%FY 2019: 6.8%FY 2020: 4.8%FY 2021: 16.7%FY 2022: 9.2%FY 2023: 3.4%FY 2024: 13.5%FY 2025: 15.9%FY 2026: 5.9%
FY 2017 5y median 9.2% FY 2026
ROE 9.9%
FY 2017: 16.0%FY 2018: 9.9%FY 2019: 6.7%FY 2020: 6.8%FY 2021: 21.8%FY 2022: 14.5%FY 2023: 5.5%FY 2024: 18.2%FY 2025: 20.5%FY 2026: 9.9%
FY 2017 5y median 14.5% FY 2026
ROIC 3.4%
FY 2017: 8.8%FY 2018: 6.1%FY 2019: 9.1%FY 2020: 2.9%FY 2021: 9.7%FY 2022: 4.6%FY 2023: 2.0%FY 2024: 7.7%FY 2025: 13.2%FY 2026: 3.4%
FY 2017 5y median 4.6% FY 2026
ROA 3.3%
FY 2017: 9.2%FY 2018: 6.4%FY 2019: 4.4%FY 2020: 2.7%FY 2021: 9.3%FY 2022: 4.4%FY 2023: 1.9%FY 2024: 7.3%FY 2025: 8.9%FY 2026: 3.3%
FY 2017 5y median 4.4% FY 2026

Growth (YoY)

Revenue 3.6%
FY 2017: -12.0%FY 2018: 2.4%FY 2019: 8.3%FY 2020: 8.4%FY 2021: -10.5%FY 2022: 10.8%FY 2023: 5.4%FY 2024: -7.0%FY 2025: -1.5%FY 2026: 3.6%
FY 2017 FY 2026
Operating Income -71.5%
FY 2017: -23.2%FY 2018: -8.6%FY 2019: -7.2%FY 2020: -61.2%FY 2021: 219.1%FY 2022: -41.1%FY 2023: -58.6%FY 2024: 266.2%FY 2025: 59.4%FY 2026: -71.5%
FY 2017 FY 2026
EPS (diluted) -57.8%
FY 2017: -16.6%FY 2018: -28.5%FY 2019: -33.1%FY 2020: -11.7%FY 2021: 273.7%FY 2022: -36.0%FY 2023: -57.5%FY 2024: 266.4%FY 2025: 23.6%FY 2026: -57.8%
FY 2017 FY 2026
Free Cash Flow 2.0%
FY 2017: 5.6%FY 2018: -0.7%FY 2019: 8.6%FY 2020: 13.6%FY 2021: -15.7%FY 2022: 23.7%FY 2023: 7.3%FY 2024: -9.1%FY 2025: -3.6%FY 2026: 2.0%
FY 2017 FY 2026

Financial Health

Current Ratio 0.8×
FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×FY 2026: 0.8×
FY 2017 5y median 0.3× FY 2026
Quick Ratio 0.8×
FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×FY 2026: 0.8×
FY 2017 5y median 0.3× FY 2026
Debt / Equity 1.9×
FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 1.3×FY 2021: 1.2×FY 2022: 2.1×FY 2023: 1.8×FY 2024: 1.4×FY 2025: 1.2×FY 2026: 1.9×
FY 2017 5y median 1.8× FY 2026
Net Debt / EBITDA 12.1×
FY 2017: 2.5×FY 2018: 2.2×FY 2019: 2.5×FY 2020: 11.5×FY 2021: 3.9×FY 2022: 9.8×FY 2023: 17.4×FY 2024: 5.1×FY 2025: 3.2×FY 2026: 12.1×
FY 2017 5y median 9.8× FY 2026
Interest Coverage 0.9×
FY 2017: 4.9×FY 2018: 5.1×FY 2019: 5.0×FY 2020: 1.3×FY 2021: 4.3×FY 2022: 2.0×FY 2023: 0.5×FY 2024: 2.1×FY 2025: 3.7×FY 2026: 0.9×
FY 2017 5y median 2.0× FY 2026

Dividends

Dividend Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026
Payout Ratio 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026

Annual · latest fiscal year ends 2026-03-31