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Financials · WRLD

World Acceptance Corporation (WRLD) financials

For the twelve months ended Jun 30, 2026, World Acceptance Corporation reported $591.60M of revenue and $39.11M of net income.

Revenue, TTM
$591.60M
Revenue growth, YoY
+4.3%
Net income, TTM
$39.11M
Net income growth, YoY
-51.5%
Net margin
6.6%
Free cash flow, TTM
$261.46M
EPS, diluted, TTM
$8.31
EPS growth, YoY
-43.6%
Cash
$10.42M
Total debt
$572.83M
P/E
17.78
P/S
1.18
Market cap
$695.2M
Annual revenue$585.17M
FY2016FY2025
Annual net income$34.59M
FY2016FY2025
Annual free cash flow$255.48M
FY2016FY2025

WRLD revenue and earnings growth

WRLD revenueQ1 2026$139.21M

Quarter YoY
+4.8%
QoQ
-20.9%
FY YoY
+3.7%
5Y CAGR
+2.1%
10Y CAGR
+0.5%

WRLD revenue was $139.21M in fiscal Q1 2026 (ended Jun 30, 2026), up 4.8% from a year earlier and down 20.9% from the prior quarter. For the full fiscal 2025 it was $585.17M, up 3.7% from fiscal 2024. Compound annual growth was +2.1% over 5 years and +0.5% over 10 years. It rose in 6 of the last 10 fiscal years.

WRLD net incomeQ1 2026$6.11M

Quarter YoY
+285.4%
QoQ
-82.7%
FY YoY
-61.2%
5Y CAGR
-17.1%
10Y CAGR
-8.9%

WRLD net income was $6.11M in fiscal Q1 2026 (ended Jun 30, 2026), up 285.4% from a year earlier and down 82.7% from the prior quarter. For the full fiscal 2025 it was $34.59M, down 61.2% from fiscal 2024. Compound annual growth was -17.1% over 5 years and -8.9% over 10 years. It rose in 3 of the last 10 fiscal years.

WRLD EPSQ1 2026$1.33

Quarter YoY
+343.3%
QoQ
-82.1%
FY YoY
-57.6%
5Y CAGR
-12.3%
10Y CAGR
-3.7%

WRLD diluted EPS was $1.33 in fiscal Q1 2026 (ended Jun 30, 2026), up 343.3% from a year earlier and down 82.1% from the prior quarter. For the full fiscal 2025 it was $6.88, down 57.6% from fiscal 2024. Compound annual growth was -12.3% over 5 years and -3.7% over 10 years.

WRLD free cash flowQ1 2026$63.09M

Quarter YoY
+10.5%
QoQ
-32.5%
FY YoY
+2.0%
5Y CAGR
+3.5%
10Y CAGR
+2.6%

WRLD free cash flow was $63.09M in fiscal Q1 2026 (ended Jun 30, 2026), up 10.5% from a year earlier and down 32.5% from the prior quarter. For the full fiscal 2025 it was $255.48M, up 2.0% from fiscal 2024. Compound annual growth was +3.5% over 5 years and +2.6% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Mar 31, 2026
FY2024
Mar 31, 2025
FY2023
Mar 31, 2024
FY2022
Mar 31, 2023
FY2021
Mar 31, 2022
FY2020
Mar 31, 2021
FY2019
Mar 31, 2020
FY2018
Mar 31, 2019
FY2017
Mar 31, 2018
FY2016
Mar 31, 2017
Revenue$585.17M$564.17M$572.81M$616.55M$585.19M$527.99M$590.03M$544.54M$502.67M$490.82M
Selling, general and admin$301.88M$240.93M$268.60M$279.47M$299.98M$304.64M$347.49M$288.30M$269.11M$244.27M
Interest expense$49.44M$42.71M$48.23M$50.46M$33.42M$25.70M$25.90M$17.93M$19.09M$21.50M
Pre-tax income$45.24M$111.31M$99.00M$27.15M$65.58M$111.40M$34.91M$89.88M$96.85M$105.95M
Income tax$10.66M$22.07M$21.96M$5.91M$11.66M$23.12M$6.75M$15.98M$47.76M$38.16M
Net income$34.59M$89.24M$77.05M$21.23M$53.92M$88.28M$28.16M$37.24M$53.69M$73.60M
EPS, basic$7.00$16.45$13.40$3.69$8.88$13.59$3.66$4.14$6.11$8.45
EPS, diluted$6.88$16.21$13.14$3.60$8.47$13.23$3.54$4.05$5.99$8.38
Diluted shares5.0M5.5M5.9M5.9M6.4M6.7M8.0M9.2M9.0M8.8M

Balance sheet

Balance sheet
Line item
FY2025
Mar 31, 2026
FY2024
Mar 31, 2025
FY2023
Mar 31, 2024
FY2022
Mar 31, 2023
FY2021
Mar 31, 2022
FY2020
Mar 31, 2021
FY2019
Mar 31, 2020
FY2018
Mar 31, 2019
FY2017
Mar 31, 2018
FY2016
Mar 31, 2017
Cash and equivalents$6.07M$4.71M$5.17M$16.51M$19.24M$15.75M$11.62M$9.34M$12.47M$11.58M
Goodwill$7.37M$7.37M$7.37M$7.37M$7.37M$7.37M$7.37M$7.03M$7.03M$6.07M
Total assets$1.05B$1.01B$1.06B$1.12B$1.22B$954.27M$1.03B$854.99M$840.99M$800.59M
Total debt$587.23M$447.86M$498.42M$598.77M$696.97M$405.01M$451.10M$251.94M$244.90M$295.14M
Total liabilities$703.12M$571.50M$631.92M$732.09M$845.27M$549.34M$618.12M$302.87M$299.88M$339.53M
Shareholders' equity$351.01M$436.99M$422.44M$383.54M$373.02M$404.93M$411.96M$552.12M$541.11M$461.06M

Cash flow

Cash flow
Line item
FY2025
Mar 31, 2026
FY2024
Mar 31, 2025
FY2023
Mar 31, 2024
FY2022
Mar 31, 2023
FY2021
Mar 31, 2022
FY2020
Mar 31, 2021
FY2019
Mar 31, 2020
FY2018
Mar 31, 2019
FY2017
Mar 31, 2018
FY2016
Mar 31, 2017
Operating cash flow$259.36M$254.16M$265.78M$291.55M$272.45M$226.95M$280.98M$244.66M$218.03M$219.36M
Capital expenditures$3.88M$3.68M$5.93M$5.83M$6.07M$11.68M$11.28M$9.81M$9.17M$6.81M
Free cash flow$255.48M$250.48M$259.85M$285.73M$266.38M$215.27M$269.70M$234.86M$208.85M$212.55M
Investing cash flow-$232.88M-$152.75M-$135.14M-$180.58M-$451.89M-$82.00M-$279.09M-$206.97M-$169.81M-$131.61M
Financing cash flow-$6.83M-$103.52M-$135.32M-$113.70M$182.93M-$140.83M$394.5K-$63.12M-$31.46M-$84.15M
Share repurchases$132.42M$54.20M$36.20M$14.31M$111.14M$102.45M$197.40M$74.52M$4.61M$5.00M
Stock-based compensation--$19.69M-$1.68M$9.05M$17.58M$19.28M$28.95M$17.64M$5.43M$4.81M

Key ratios

Key ratios
Line item
FY2025
Mar 31, 2026
FY2024
Mar 31, 2025
FY2023
Mar 31, 2024
FY2022
Mar 31, 2023
FY2021
Mar 31, 2022
FY2020
Mar 31, 2021
FY2019
Mar 31, 2020
FY2018
Mar 31, 2019
FY2017
Mar 31, 2018
FY2016
Mar 31, 2017
Revenue growth, YoY3.7%-1.5%-7.1%5.4%10.8%-10.5%8.4%8.3%2.4%-12.0%
Net income growth, YoY-61.2%15.8%262.9%-60.6%-38.9%213.5%-24.4%-30.6%-27.1%-15.8%
EPS growth, YoY-57.6%23.4%265.0%-57.5%-36.0%273.7%-12.6%-32.4%-28.5%-16.6%
Net margin5.9%15.8%13.5%3.4%9.2%16.7%4.8%6.8%10.7%15.0%
Free cash flow margin43.7%44.4%45.4%46.3%45.5%40.8%45.7%43.1%41.5%43.3%
Return on equity9.9%20.4%18.2%5.5%14.5%21.8%6.8%6.7%9.9%16.0%
Return on assets3.3%8.8%7.3%1.9%4.4%9.3%2.7%4.4%6.4%9.2%
Debt to equity1.671.021.181.561.871.001.100.460.450.64

Source: XBRL data World Acceptance Corporation files with the SEC, latest filing dated Aug 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

WRLD peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
WRLD$591.60M+4.3%$39.11M6.6%$695.2M
AXP$77.59B+10.2%$12.26B15.8%$215.24B
SPGI$17.21B+18.2%$4.99B29.0%$135.62B
MCO$8.18B+9.0%$2.88B35.3%$87.18B
NU$15.77B+37.0%$2.87B18.2%$58.39B
RKT$11.46B+90.4%$1.30B11.4%$42.74B
COIN$5.63B-26.6%-$701.62M-12.5%$35.68B
AFRM$4.59B+32.7%$2.01B43.9%$23.08B
SYF$19.31B+2.6%$3.33B17.3%$22.96B

WRLD FAQ

8 questions
  • What is WRLD revenue?
    World Acceptance Corporation (WRLD) reported $591.60M of revenue for the twelve months ended Jun 30, 2026. That is up 4.3% from the year before. Revenue for fiscal 2025 was $585.17M.
  • Is WRLD profitable?
    Yes. World Acceptance Corporation earned $39.11M in net income for the twelve months ended Jun 30, 2026, a net margin of 6.6%.
  • How much cash and debt does WRLD have?
    World Acceptance Corporation reported $10.42M in cash and cash equivalents and $572.83M of debt on its most recent balance sheet in SEC filings.
  • How fast is WRLD revenue growing?
    World Acceptance Corporation's revenue changed +3.7% in fiscal 2025, to $585.17M. Its compound annual growth rate was +2.1% over 5 years and +0.5% over 10 years.
  • What is WRLD free cash flow?
    World Acceptance Corporation generated $261.46M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $265.58M less capital expenditures.
  • What is WRLD earnings per share?
    Diluted earnings per share were $8.31 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did WRLD last report financial results?
    The latest statements here come from World Acceptance Corporation's 10-Q filed on Aug 6, 2026, covering the period ended Jun 30, 2026.
  • Where does this WRLD financial data come from?
    Quantisnow builds these statements from the structured XBRL data World Acceptance Corporation files with the SEC. It is provided for information only and is not investment advice.