World Acceptance Corporation

NASDAQ•WRLD

CEO: Mr. Ravin Chad Prashad

Sector: Financial Services

Industry: Financial - Credit Services

Listing Date: 1991-11-26

World Acceptance Corporation engages in consumer finance business in the United States. The company provides short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It offers income tax return preparation and filing services; and automobile club memberships. It 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.

Contact Information

104 South Main Street, Greenville, SC, 29601, United States

864-298-9800

www.loansbyworld.com

Market Cap

$671.53M

P/E (TTM)

15.7

19.4

Dividend Yield

52W High

$185.48

52W Low

$104.99

52W Range

35%

Rank50Top 68.9%

3.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q3 2026 Data

Revenue

$141.25M+1.89%

4-Quarter Trend

EPS

-$0.18-107.32%

4-Quarter Trend

FCF

$57.16M+0.00%

4-Quarter Trend

2026 Q3 Earnings Highlights

Key Highlights

Gross Loans Receivable Growth Gross loans receivable reached $1.40B, a 14.4% increase from March 31, 2025; total assets grew to $1.142B.

Quarterly Revenue Increase Total revenues were $141.25M for the quarter, marking a 1.9% increase compared to the prior year period.

Significant Share Repurchases Company repurchased 102,559 shares for $18.4M during the quarter under the newly authorized $100.0M program.

Debt Restructuring Complete Senior unsecured notes were fully redeemed in August 2025; new $640.0M Revolving Credit Facility established.

Risk Factors

Profitability Declined Sharply Quarterly net loss was $(0.91)M versus prior year net income of $13.39M; nine-month net loss $(1.51)M.

Credit Loss Provision Increased Provision for credit losses rose 16.6% to $51.42M for the quarter, driven by new loan growth.

Net Charge-offs Rising Annualized net charge-offs increased to 18.7% of average net loans receivable compared to 17.2% last year.

Increased Leverage Ratio Debt-to-equity ratio worsened to 1.9:1.0 as of December 31, 2025, up from 1.3:1 at December 31, 2024.

Outlook

Solid Origination Return Expected Management expects solid returns on fiscal 2025 and 2026 originations based on current early payment performance.

Strong Liquidity Position New Revolving Credit Facility provides $63.5M unused availability as of December 31, 2025.

Potential Future Repurchases Could repurchase approximately $61.1M of shares under Revolving Credit Agreement terms if excess capital allows.

Peer Comparison

Revenue (TTM)

$1.91B

-2.0%

EZPW

$1.34B

+13.1%

ATLC

$1.19B

+159.2%

Gross Margin (Latest Quarter)

ATLC

221.0%

-3.6pp

VEL

190.6%

+3.3pp

BBDC

119.8%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
EZPW	$1.52B	12.9	12.5%	38.5%
TMP	$1.07B	6.6	19.9%	7.6%
OSBC	$1.03B	12.8	10.1%	4.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-5.1%

Growth Under Pressure

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 27, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data