World Acceptance Corporation (WRLD) Stock Analysis
Financial Services · Credit Services · NasdaqGS
World Acceptance Corporation (WRLD) posted $585.74M in revenue for fiscal 2026 (up 3.7% year over year), at a 6.0% net margin, and has compounded revenue about 2.1%/yr over five years, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on World Acceptance Corporation
World Acceptance Corporation has grown revenue from $490.82M to $585.74M over the last 10 fiscal years, compounding about 2.1% a year. The most recent year was up 3.7%, so growth is actually accelerating.
Net margin sits at 6%, down 9.9 points year over year. It carries about $587.23M of total debt.
At today's valuation the market is pricing in roughly -20.1% annual free-cash-flow growth — versus the 3.5% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven.
Synthesised from World Acceptance Corporation's SEC filings — descriptive, not advice. Ask the analyst your own question →
World Acceptance Corporation revenue & earnings — last 10 fiscal years
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $490.82M | $502.67M | $544.54M | $590.03M | $527.99M | $585.19M | $616.55M | $573.21M | $564.84M | $585.74M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $73.60M | $53.69M | $37.24M | $28.16M | $88.28M | $53.92M | $21.23M | $77.35M | $89.74M | $35.01M |
| Net margin | 15.0% | 10.7% | 6.8% | 4.8% | 16.7% | 9.2% | 3.4% | 13.5% | 15.9% | 6.0% |
Source: World Acceptance Corporation SEC filings (10-K). 17 years of history available in the interactive view.
World Acceptance Corporation: no obvious red flags in the filings
Our deterministic scan of the filed statements — receivables vs sales, earnings vs cash, dilution, leverage and margins — didn't flag anything. Ask about the risks →
What growth is priced into WRLD stock?
At today's market cap of $791.55M, World Acceptance Corporation is priced for free-cash-flow growth of about -20.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $255.48M from the FY ending 2026-03-31). For comparison, free cash flow actually grew 3.5%/yr over the last five fiscal years and revenue 2.1%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of World Acceptance Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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World Acceptance Corporation financial history by metric
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About World Acceptance Corporation
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.
World Acceptance Corporation — frequently asked questions
What is World Acceptance Corporation's revenue?
World Acceptance Corporation (WRLD) reported revenue of $585.74M for fiscal year 2026, up 3.7% from the prior year, according to its SEC filings.
Is World Acceptance Corporation profitable?
Yes. WRLD earned net income of $35.01M in fiscal 2026, a net margin of 6.0%.
What is WRLD's P/E ratio?
World Acceptance Corporation trades at a price-to-earnings ratio of about 24.8 based on the latest data in our nightly-refreshed cache.
How fast is World Acceptance Corporation growing?
WRLD's revenue grew at roughly 2.1% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does World Acceptance Corporation have?
As of fiscal year 2026, WRLD carried roughly $587.23M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is World Acceptance Corporation's market cap?
World Acceptance Corporation (WRLD) has a market capitalization of about $791.55M, based on the latest data in our nightly-refreshed cache.
When does World Acceptance Corporation's fiscal year end?
WRLD's fiscal year ends in March. Its most recent annual filing covers the fiscal year ending 2026-03-31.
What growth is priced into WRLD stock?
At today's market cap of $791.55M, World Acceptance Corporation is priced for free-cash-flow growth of about -20.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $255.48M from the FY ending 2026-03-31). For comparison, free cash flow actually grew 3.5%/yr over the last five fiscal years and revenue 2.1%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from World Acceptance Corporation's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.