WORLD ACCEPTANCE CORPORATION financials

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WRLD CIK 0000108385

Source: EDGAR filings · Built 2026-06-02T04:24:41Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2019
Free Cash Flow 250.48M 259.85M 285.65M 265.87M 214.68M 269.19M
Net Debt 598.88M 575.17M 970.44M 1.16B 480.98M 542.24M
Net Margin 15.89% 13.49% 3.44% 9.21% 16.72% 4.77%
Return on Equity (ROE) 20.42% 18.22% 5.51% 14.45% 21.80% 6.83%
Return on Assets (ROA) 8.91% 7.32% 1.90% 4.43% 9.25% 2.73%
Debt-to-Equity 1.37× 1.37× 2.56× 3.17× 1.23× 1.34×
Effective Tax Rate 19.86% 22.19% 21.79% 17.78% 20.75% 19.34%
Cash Conversion Ratio 2.83× 3.44× 13.73× 5.05× 2.57× 9.98×
Accruals Ratio -0.16× -0.18× -0.24× -0.18× -0.15× -0.25×
SBC % of Revenue -3.49% -0.29% 1.47% 3.00% 3.65% 4.91%
CapEx Coverage 69.00× 44.80× 49.35× 41.43× 18.48× 23.83×
Free Cash Flow Per Share $45.48 $44.33 $48.43 $41.78 $32.18 $33.85

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2019
P/E Trailing (Diluted) 7.76× 10.99× 23.14× 22.65× 9.81× 15.43×
P/FCF 2.78× 3.27× 1.72× 4.59× 4.03× 1.61×
FCF Yield 35.94% 30.58% 58.14% 21.78% 24.80% 61.98%
P/S 1.20× 1.50× 0.84× 2.08× 1.67× 0.72×
P/B 1.55× 2.03× 1.35× 3.26× 2.18× 1.03×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2019
Revenues 564.84M 573.21M 616.55M 585.19M 527.99M 590.03M
Operating Expenses — — — — — 555.12M
Income Tax Expense (Benefit) 22.24M 22.06M 5.91M 11.66M 23.12M 6.75M
Net Income (Loss) Attributable to Parent 89.74M 77.35M 21.23M 53.92M 88.28M 28.16M
Earnings Per Share, Basic $16.54 $13.45 $3.69 $8.88 $13.59 $3.66
Weighted Average Number of Shares Outstanding, Basic 5.43M 5.75M 5.75M 6.07M 6.49M 7.69M
Earnings Per Share, Diluted $16.30 $13.19 $3.60 $8.47 $13.23 $3.54
Weighted Average Number of Shares Outstanding, Diluted 5.51M 5.86M 5.90M 6.36M 6.67M 7.95M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2019
Cash and Cash Equivalents, at Carrying Value 4.71M 5.17M 16.51M 19.24M 15.75M 11.62M
Assets 1.01B 1.06B 1.12B 1.22B 954.27M 1.03B
Long-term Debt 447.86M 498.42M 598.77M 696.97M 405.01M 451.10M
Liabilities 568.15M 631.92M 732.09M 845.27M 549.34M 618.12M
Stockholders' Equity Attributable to Parent 439.48M 424.43M 385.23M 373.02M 404.93M 411.96M
Common Stock, Shares, Outstanding 5.37M 5.94M 6.23M 6.35M 6.81M 7.81M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2019
Net Cash Provided by (Used in) Operating Activities 254.16M 265.78M 291.55M 272.45M 226.95M 280.98M
Payments to Acquire Property, Plant, and Equipment 3.68M 5.93M 5.83M 6.07M 11.68M 11.28M
Net Cash Provided by (Used in) Investing Activities -152.75M -135.14M -180.58M -451.89M -82.00M -279.09M
Payments for Repurchase of Common Stock 54.20M 36.20M 14.31M 111.14M 102.45M 197.40M
Net Cash Provided by (Used in) Financing Activities -103.52M -135.32M -113.70M 182.93M -140.83M 394.49K

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (WRLD CIK 0000108385), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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