World Acceptance Corporation

NASDAQ•WRLD

CEO: Mr. Ravin Chad Prashad

セクター: Financial Services

業種: Financial - Credit Services

上場日: 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.

連絡先情報

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

864-298-9800

www.loansbyworld.com

時価総額

$828.07M

PER (TTM)

24.2

19.7

配当利回り

52週高値

$185.48

52週安値

$110.00

52週レンジ

91%

順位50Top 68.9%

3.1

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.1 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2026 データ

売上高

$177.57M+0.00%

直近4四半期の推移

EPS

$7.70+0.00%

直近4四半期の推移

フリーCF

-$161.90T+0.00%

直近4四半期の推移

2026 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

$1.88B

-5.2%

EZPW

$1.48B

+22.8%

ATLC

$1.25B

+155.2%

粗利益率 (最新四半期)

WRLD

99.6%

+3.6pp

NRDS

93.9%

+2.1pp

ATLC

92.3%

-3.6pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
EZPW	$1.83B	13.1	13.9%	13.2%
ATLC	$1.40B	10.4	21.7%	85.1%
TMP	$1.32B	7.8	19.5%	6.5%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

10.3%

安定成長

4四半期純利益CAGR

200.7%

収益性の大幅な改善

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年7月23日

EPS:$0.58

売上高:$143.90M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし