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    World Acceptance (WRLD)

    Market Price (11/6/2026): $151.29 | Market Cap: $705.1 MilSector: Financials | Industry: Consumer Finance

    World Acceptance (WRLD)

    Market Price (11/6/2026): $151.29
    Market Cap: $705.1 Mil
    Sector: Financials
    Industry: Consumer Finance

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.9%, FCF Yield is 39%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 49%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 48%

    Low stock price volatility
    Vol 12M is 47%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments, and Financial Inclusion. Themes include Online Banking & Lending, and Small-Dollar Consumer Lending.

    Weak multi-year price returns
    2Y Excs Rtn is -3.7%, 3Y Excs Rtn is -32%

    Debt is significant
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 95%

    Weak revenue growth
    Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.3%

    Key risks
    WRLD key risks include [1] deteriorating credit quality from an aggressive growth strategy that has created a higher-risk, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.9%, FCF Yield is 39%
    1 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 49%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 48%
    2 Low stock price volatility
    Vol 12M is 47%
    3 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments, and Financial Inclusion. Themes include Online Banking & Lending, and Small-Dollar Consumer Lending.
    4 Weak multi-year price returns
    2Y Excs Rtn is -3.7%, 3Y Excs Rtn is -32%
    5 Debt is significant
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 95%
    6 Weak revenue growth
    Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.3%
    7 Key risks
    WRLD key risks include [1] deteriorating credit quality from an aggressive growth strategy that has created a higher-risk, Show more.

    WRLD in ETFs

    Weight = WRLD's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.01%
    IJR0.03%
    FNDA0.05%
    SLYG0.04%
    AVUV0.04%
    IJT0.04%
    +10 more covered ETFs

    Valuation & Metrics

    FYE: 3/31WRLD [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$540.7 Mil—
    FY 2027 Sales$603.4 Mil—
    FY 2028 Sales$641.5 Mil—
    FY 2027 Sales Growth11.6%—
    FY 2028 Sales Growth6.3%8.7%
    EARNINGS
    LTM Net Income (GAAP) [3]$39.3 Mil—
    FY 2027 Net Income (Non-GAAP)$69.1 Mil—
    FY 2028 Net Income (Non-GAAP)$76.1 Mil—
    FY 2028 Net Income Growth10.2%13.9%
    FY 2027 EPS (Non-GAAP)$13.74—
    FY 2028 EPS (Non-GAAP)$15.14—
    FY 2028 EPS Growth10.2%—
    VALUATION
    FY 2027 P/S1.21.7
    FY 2028 P/S1.1—
    FY 2027 P/E10.28.7
    FY 2028 P/E9.3—

    [1] WRLD forward figures are analyst consensus for the next two fiscal years (fiscal year end 3/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 11/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    WRLDS&P 500
    REVENUE GROWTH 
    Rev LTM ($ Bil)0.5
    Rev Chg Q3.8%8.9%
    Rev Chg LTM3.0%8.6%
    Rev Chg 3Y Avg-0.3%6.3%
    PROFITABILITYPOOR
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.3
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM49.1%21.5%
    Net Inc Mgn7.3%13.5%
    VALUATIONMODERATE
    P/S1.33.3
    P/CFO2.615.7
    P/FCF2.620.6
    P/E17.322.9

    AI Analysis | Feedback

    MetricValueDateSource
    Number of open branches10139302025Link
    Same store gross loans increase (for branches open at least twelve months)3.3%9302025Link
    Customer base increase (for branches open throughout both periods, twelve-month period)7.9%9302025Link
    Large loan portfolio as a percentage of the overall portfolio44.6%9302025Link
    Accounts 61 days or more past due (recency basis)5.8%9302025Link
    Allowance for credit losses as a percent of net loans receivable12.1%9302025Link
    Accounts at least 90 days past due (recency basis)3.5%9302025Link
    Customer base increase (twelve-month period)6.2%9302025Link
    Increase in unique borrowers in the portfolio (during the quarter)5.8%9302025Link

    Price Chart

    Recent
    10/23/2026Earnings ReleaseRev: $139 Mil (A) vs. $140 Mil (E)
    EPS: 1.93 (A) vs. $0.78 (E)
    Upcoming
    1/26/2027Earnings ReleaseRev: $145 Mil (E)
    EPS: $1.04 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/5/2026

    World Acceptance (WRLD) stock has lost about 15% since 7/31/2026 because of the following key factors:

    1. Revenue Miss and Stagnant Loan Growth Despite EPS Beat.

    World Acceptance (WRLD) reported adjusted earnings per share (EPS) of $1.92 for fiscal Q2 2027 (ended September 30, 2026), significantly surpassing the consensus estimate of $0.78. However, this positive bottom-line performance was overshadowed by a revenue miss, with actual revenue of $139.21 million falling short of the $140.70 million estimate. More critically, revenue was flat quarter-over-quarter, and gross loans grew only 0.3% year-over-year, accompanied by a 5.4% shrinkage in the customer base, signaling a lack of underlying business expansion.

    2. Concerns Over Credit Quality Trends and "Engineered" Earnings.

    While World Acceptance reported an overall improvement in credit quality year-over-year, with front-end delinquency decreasing from 20% to 18.9%, sequential data revealed a slight increase in both 0-60 day and 61+ day delinquencies from fiscal Q1 2027 to Q2 2027. Additionally, annualized net charge-offs climbed to 17.6% from 17.1%. The substantial EPS beat was partly attributed to a 7.7% decrease in provision expense and a 2.9% reduction in General and Administrative expenses, including a 3.4% reduction in headcount, leading some analysts to suggest that earnings were "manufactured" through cost cutting rather than robust loan portfolio growth.

    Show more
    Updated on 11/5/2026

    World Acceptance (WRLD) stock has lost about 15% since 7/31/2026 because of the following key factors:

    1. Revenue Miss and Stagnant Loan Growth Despite EPS Beat.

    World Acceptance (WRLD) reported adjusted earnings per share (EPS) of $1.92 for fiscal Q2 2027 (ended September 30, 2026), significantly surpassing the consensus estimate of $0.78. However, this positive bottom-line performance was overshadowed by a revenue miss, with actual revenue of $139.21 million falling short of the $140.70 million estimate. More critically, revenue was flat quarter-over-quarter, and gross loans grew only 0.3% year-over-year, accompanied by a 5.4% shrinkage in the customer base, signaling a lack of underlying business expansion.

    2. Concerns Over Credit Quality Trends and "Engineered" Earnings.

    While World Acceptance reported an overall improvement in credit quality year-over-year, with front-end delinquency decreasing from 20% to 18.9%, sequential data revealed a slight increase in both 0-60 day and 61+ day delinquencies from fiscal Q1 2027 to Q2 2027. Additionally, annualized net charge-offs climbed to 17.6% from 17.1%. The substantial EPS beat was partly attributed to a 7.7% decrease in provision expense and a 2.9% reduction in General and Administrative expenses, including a 3.4% reduction in headcount, leading some analysts to suggest that earnings were "manufactured" through cost cutting rather than robust loan portfolio growth.

    3. Significant Insider Selling Activity.

    During the period, Prescott General Partners Llc, a major insider in World Acceptance, executed two substantial stock sales. On August 14, 2026, they sold 133,199 shares for approximately $25 million. Subsequently, on October 28, 2026, an additional 88,324 shares were sold for about $15 million. These large insider divestments, exceeding $5 million each, typically indicate a lack of confidence in the company's future performance and can contribute to negative investor sentiment.

    4. Cautious Management Outlook Amidst Broader Economic Headwinds.

    Management conveyed a cautious outlook, stating that they do not anticipate a dramatic change in the company's near-term growth trajectory for the remainder of fiscal 2027 and are maintaining a cautious approach to lending. This cautious stance aligns with broader macroeconomic factors in the consumer lending sector, including elevated interest rates and persistent inflationary pressures keeping consumer budgets tight, which can limit demand for new loans and impact overall growth potential.

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    Stock Movement Drivers

    Fundamental Drivers

    The -16.8% change in WRLD stock from 7/31/2026 to 11/5/2026 was primarily driven by a -29.5% change in the company's P/E Multiple.
    (LTM values as of)731202611052026Change
    Stock Price ($)179.81149.58-16.8%
    Change Contribution By: 
    Total Revenues ($ Mil)5365410.9%
    Net Income Margin (%)6.5%7.3%12.0%
    P/E Multiple24.217.1-29.5%
    Shares Outstanding (Mil)544.4%
    Cumulative Contribution-16.8%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    WRLD-16.8% 
    Market (SPY)-1.9%40.3%
    Sector (XLF)1.0%34.2%

    Fundamental Drivers

    The 1.6% change in WRLD stock from 4/30/2026 to 11/5/2026 was primarily driven by a 5.9% change in the company's Shares Outstanding (Mil).
    (LTM values as of)430202611052026Change
    Stock Price ($)147.16149.581.6%
    Change Contribution By: 
    Total Revenues ($ Mil)5255413.0%
    Net Income Margin (%)8.1%7.3%-10.1%
    P/E Multiple16.517.13.6%
    Shares Outstanding (Mil)545.9%
    Cumulative Contribution1.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    WRLD1.6% 
    Market (SPY)2.3%25.6%
    Sector (XLF)10.7%18.0%

    Fundamental Drivers

    The 17.3% change in WRLD stock from 10/31/2025 to 11/5/2026 was primarily driven by a 107.4% change in the company's P/E Multiple.
    (LTM values as of)1031202511052026Change
    Stock Price ($)127.47149.5817.3%
    Change Contribution By: 
    Total Revenues ($ Mil)5255413.0%
    Net Income Margin (%)15.4%7.3%-52.8%
    P/E Multiple8.217.1107.4%
    Shares Outstanding (Mil)5416.3%
    Cumulative Contribution17.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    WRLD17.3% 
    Market (SPY)8.4%25.9%
    Sector (XLF)11.1%29.4%

    Fundamental Drivers

    The 51.7% change in WRLD stock from 10/31/2023 to 11/5/2026 was primarily driven by a 28.5% change in the company's Shares Outstanding (Mil).
    (LTM values as of)1031202311052026Change
    Stock Price ($)98.62149.5851.7%
    Change Contribution By: 
    Total Revenues ($ Mil)546541-1.0%
    Net Income Margin (%)7.2%7.3%1.1%
    P/E Multiple14.517.118.0%
    Shares Outstanding (Mil)6428.5%
    Cumulative Contribution51.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    WRLD51.7% 
    Market (SPY)81.3%40.9%
    Sector (XLF)85.5%43.1%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    WRLD Return140%-73%98%-14%25%7%46%
    Peers Return56%-16%20%16%33%15%181%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    WRLD Win Rate67%17%58%33%50%55% 
    Peers Win Rate68%47%52%52%65%55% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    WRLD Max Drawdown-27%-76%-39%-28%-31%-33% 
    Peers Max Drawdown-23%-36%-26%-22%-23%-28% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: OMF, RM, CACC, FCFS, EZPW.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/5/2026 (YTD)

    How Low Can It Go

    EventWRLDS&P 500
    2025 US Tariff Shock
      % Loss-23.5%-18.8%
      % Gain to Breakeven30.7%23.1%
      Time to Breakeven38 days79 days
    2024 Yen Carry Trade Unwind
      % Loss-16.5%-7.8%
      % Gain to Breakeven19.7%8.5%
      Time to Breakeven44 days18 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-37.4%-9.5%
      % Gain to Breakeven59.7%10.5%
      Time to Breakeven581 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-19.8%-6.7%
      % Gain to Breakeven24.7%7.1%
      Time to Breakeven34 days31 days
    2020 COVID-19 Crash
      % Loss-47.3%-33.7%
      % Gain to Breakeven89.6%50.9%
      Time to Breakeven129 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-15.7%-19.2%
      % Gain to Breakeven18.6%23.8%
      Time to Breakeven15 days105 days

    Compare to OMF, RM, CACC, FCFS, EZPW

    In The Past

    World Acceptance's stock fell -23.5% during the 2025 US Tariff Shock. Such a loss loss requires a 30.7% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventWRLDS&P 500
    2025 US Tariff Shock
      % Loss-23.5%-18.8%
      % Gain to Breakeven30.7%23.1%
      Time to Breakeven38 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-37.4%-9.5%
      % Gain to Breakeven59.7%10.5%
      Time to Breakeven581 days24 days
    2020 COVID-19 Crash
      % Loss-47.3%-33.7%
      % Gain to Breakeven89.6%50.9%
      Time to Breakeven129 days140 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-22.0%-12.2%
      % Gain to Breakeven28.2%13.9%
      Time to Breakeven21 days62 days
    2014-2016 Oil Price Collapse
      % Loss-65.9%-6.8%
      % Gain to Breakeven193.4%7.3%
      Time to Breakeven585 days15 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-20.1%-17.9%
      % Gain to Breakeven25.2%21.8%
      Time to Breakeven24 days123 days
    2008-2009 Global Financial Crisis
      % Loss-61.0%-53.4%
      % Gain to Breakeven156.2%114.4%
      Time to Breakeven55 days1085 days
    Summer 2007 Credit Crunch
      % Loss-31.0%-8.6%
      % Gain to Breakeven44.9%9.5%
      Time to Breakeven272 days47 days

    Compare to OMF, RM, CACC, FCFS, EZPW

    In The Past

    World Acceptance's stock fell -23.5% during the 2025 US Tariff Shock. Such a loss loss requires a 30.7% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About World Acceptance (WRLD)

    World Acceptance Corporation (WRLD) operates as a consumer finance company specializing in providing small to medium-sized installment loans to individuals. The company primarily targets a specific market segment: individuals who have limited access to traditional credit sources, such as banks, credit unions, or credit card lenders. WRLD serves these customers through an extensive network of over 1,100 branches located across 17 states in the U.S.

    In addition to its core lending business, World Acceptance offers a range of related financial products and services. These include various types of credit insurance, such as credit life, credit accident and health, credit property and auto, and unemployment insurance, which are sold in conjunction with its loans. The company also provides ancillary services designed to meet the broader needs of its borrowers, including income tax return preparation and electronic filing services, as well as automobile club memberships.

    AI Analysis | Feedback

    1. It's like OneMain Financial (OMF), offering personal installment loans to individuals who don't qualify for traditional bank credit.

    2. Think of it as Credit Acceptance (CACC), but instead of financing subprime auto loans, they provide general small personal installment loans.

    AI Analysis | Feedback

    • Installment Loans: Offers both short-term small and medium-term larger installment loans to individuals who have limited access to other sources of consumer credit.
    • Credit Insurance: Markets and sells various types of insurance, including credit life, accident and health, property and auto, unemployment, and accidental death and dismemberment insurance, in connection with its loans.
    • Income Tax Preparation: Provides income tax return preparation and electronic filing services to its customers.
    • Automobile Club Memberships: Offers automobile club memberships as an ancillary service to its borrowers.

    AI Analysis | Feedback

    World Acceptance (WRLD) primarily serves individuals, rather than other companies. The company targets individuals who have limited access to traditional sources of consumer credit, such as banks, credit unions, and credit card lenders. Based on the services offered, its customer base can be categorized as follows:

    • Individuals Seeking Short-Term Small Installment Loans: This category includes customers who require immediate, smaller sums of money for a short duration, often due to unexpected expenses or cash flow needs, and who cannot obtain these funds from conventional lenders.
    • Individuals Seeking Medium-Term Larger Installment Loans: This category comprises customers who need more substantial financial assistance over a longer repayment period, for needs like larger purchases or debt consolidation, and who also face barriers to accessing credit from mainstream financial institutions.
    • Individuals Utilizing Ancillary Financial Services: This group includes customers who purchase related products such as credit life, credit accident and health, or credit property insurance in conjunction with their loans. It also includes individuals who utilize the company's income tax return preparation and electronic filing services, or automobile club memberships, often while also being loan borrowers.

    AI Analysis | Feedback

    American National Insurance Company

    AI Analysis | Feedback

    R. Chad Prashad, President and Chief Executive Officer

    R. Chad Prashad was appointed as the Chief Executive Officer in June 2018. He directly owns 1.42% of the company's shares.

    John L. Calmes, Jr., Executive Vice President, Chief Financial & Strategy Officer, and Treasurer

    D. Clinton Dyer, Executive Vice President, Chief Branch Operations Officer

    D. Clinton Dyer's retirement is scheduled for March 31, 2026, following a 30-year tenure with the company.

    Luke J. Umstetter, Senior Vice President, General Counsel, Chief Compliance Officer and Secretary

    A. Lindsay Caulder, Senior Vice President, Human Resources

    AI Analysis | Feedback

    The key risks to World Acceptance Corporation (WRLD) primarily revolve around its subprime lending model and the external environment in which it operates.

    1. Deteriorating Credit Quality and Loan Loss Provisions: As a small-loan consumer finance company serving individuals with limited access to other credit, World Acceptance is inherently exposed to higher credit risk. The company's "unseasoned high-risk loan book" is particularly vulnerable to higher-than-expected defaults during economic downturns, which can neutralize growth strategies and lead to "margin compression from elevated loan loss provisions". Recent financial reports indicate "thinner margins" and "quarterly losses," which are linked to pressure on profitability. A strategic shift towards "aggressive customer acquisition" and a "targeted growth strategy" in fiscal 2025, following a period of conservative underwriting, could further exacerbate this risk if credit quality is not carefully managed.
    2. Regulatory Scrutiny and Changes: World Acceptance operates in a highly regulated industry. The Consumer Financial Protection Bureau (CFPB) announced in February 2024 that the company's conduct warranted federal supervision due to risks posed to consumers, which resulted in a significant drop in its stock price. Increasing regulation, alongside competition from fintech and rising financial literacy, poses a threat to the company's ability to acquire and retain customers, potentially undermining its core subprime lending model. The company's ability to operate profitably and expand is dependent on favorable laws and regulations, and its capacity to secure necessary regulatory approvals and licenses.
    3. Sensitivity to Economic Cycles and Macroeconomic Headwinds: The company's customer base is particularly susceptible to macroeconomic shifts. Factors such as "slowing labor market momentum and surging energy costs" can negatively impact consumer credit conditions. The financial credit services sector, in which World Acceptance operates, is especially sensitive to "stagflation risks," where higher energy costs reduce consumer purchasing power and weak employment data raises concerns about borrowers' repayment capacity. These broader economic pressures can intensify the risk of loan defaults and affect overall business performance.

    AI Analysis | Feedback

    The increasing prevalence and sophistication of online and mobile-first fintech lenders poses a significant emerging threat. These digital platforms offer convenient, often faster, access to small installment loans for individuals, directly competing with World Acceptance's branch-based model and catering to the same target demographic with limited access to traditional credit.

    AI Analysis | Feedback

    The addressable markets for World Acceptance Corporation's main products and services in the U.S. are as follows:

    Loan Products (Small and Medium-Term Installment Loans)

    The U.S. unsecured loan market, driven by demand from subprime customers, reached a new high of $276 billion as of the end of December (latest year available). This market includes unsecured personal loans, which constitute the greatest portion of subprime credit. Approximately 26.4 million consumers held these unsecured loans.

    Related Credit Insurance

    The U.S. trade credit insurance market, which encompasses various credit insurances such as credit life, credit disability, and credit property insurance, was valued at approximately $2.02 billion in 2023 and is projected to reach $2,219.9 million in 2024. This market is expected to grow to $5,676.4 million by 2033.

    Ancillary Products and Services

    Income Tax Return Preparation and Electronic Filing Services

    The market size for Tax Preparation Services in the U.S. was $14.2 billion in 2024 and is projected to be $14.3 billion in 2025. Another estimate indicates the U.S. Tax Preparation Services segment reached $14.8 billion in 2025.

    Automobile Club Memberships

    While a specific revenue-based market size for general automobile club memberships is not readily available, the American Automobile Association (AAA) federation, a significant provider of such services, has more than 62 million members across the United States and Canada. Approximately 25% of U.S. households hold AAA memberships.

    AI Analysis | Feedback

    World Acceptance Corporation (WRLD) is expected to drive future revenue growth over the next 2-3 years through several key strategies: * Targeted Growth Strategy and Loan Portfolio Expansion: The company made a strategic shift in fiscal 2025 from conservative underwriting to a targeted growth strategy for its loan portfolio. This pivot has already resulted in year-over-year growth in outstanding loans for two consecutive quarters and is positioning the company for improving results in fiscal 2027 and beyond. Organic growth in outstanding loans was up 2.5% year-over-year in Q3 fiscal 2026. * Expansion of Customer Base: A significant focus is on growing the unique customer base, with a reported increase of 4.1% in the twelve-month period ending December 31, 2025. New customer loan volume increased by 16.6% compared to the same quarter of fiscal year 2025, and new customers as a percentage of the portfolio have grown from 6.4% to 9.9%. The company's customer base grew organically by approximately 5.4% year-over-year, following a 2.2% growth the previous year. * Optimized Loan Portfolio Profitability through Improved Yields and Sustained Credit Quality: World Acceptance has focused on increasing approval rates without sacrificing credit quality or yields. This strategy has led to improved gross yields, with an 84 basis point increase year-over-year in Q3 fiscal 2026. The company believes this trend will continue due to improved rates in certain states, disciplined credit limits and underwriting, and enhanced customer retention. First pay default rates on new customers in Q3 fiscal 2026 were 19% lower than new customers from fiscal 2022, demonstrating strong credit performance. * Enhanced Customer Retention: Investments in improving customer retention and tenure are expected to contribute to long-term yields, as longer-tenure customers are considered lower risk.

    AI Analysis | Feedback

    Share Repurchases

    • World Acceptance Corporation's Board of Directors approved a new share repurchase program on February 11, 2026, authorizing the repurchase of up to $50.0 million of its common stock, inclusive of any remaining capacity from prior authorizations.
    • On July 24, 2025, the Board approved a share repurchase program authorizing up to $100 million of its outstanding common stock, including amounts remaining from previous authorizations. This was facilitated by a new three-year senior secured asset-based credit facility that increased repurchase capacity.
    • The company repurchased 295,201 shares for approximately $36.2 million during fiscal year 2024. Additionally, during the first half of fiscal year 2025, 165,167 shares were repurchased for approximately $21.1 million, and an additional 9,465 shares were repurchased for about $1.0 million in the third quarter of fiscal 2025.

    Share Issuance

    • The company has an active World Acceptance Corporation 2025 Stock Incentive Plan.
    • There have been restricted stock awards to executives, such as 6,000 restricted stock shares awarded to the COO on February 18, 2026, and a vesting event for 1,000 restricted shares reported on December 18, 2025.
    • The potential for future issuance of common stock for acquisitions, capital raises, or other purposes is noted, which could dilute existing shareholders, but no significant share issuances for capital raising purposes were identified within the last 3-5 years.

    Outbound Investments

    • World Acceptance's acquisitions amounted to $18.9 million in the fourth quarter of fiscal year 2024, contributing to an annual value of $18.9 million for fiscal year 2025.
    • The company's acquisitions reached a 5-year high of $19.7 million during the second quarter of 2022.
    • Over the last four years, the median value of World Acceptance's acquisitions was $2.0 million in 2024, with an average of $6.1 million.

    Capital Expenditures

    • While the company's revolving credit agreement includes requirements related to capital expenditures, specific dollar values for capital expenditures or their primary focus over the last 3-5 years are not explicitly detailed in the available information.

    Peer Outperformance in Consumer Finance

    WRLD has trailed 76% of its 29 Consumer Finance peers over 5Y. Among the peers that beat it are BFH and ALLY. Consumer Finance ranks 12th of 18 industries in Financials by median 5Y return. The sector’s gains have largely come from elsewhere.
    Share of Consumer Finance constituents that WRLD has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    59%
    of 32 industry peers · 11.3% return
    3Y
    34%
    of 29 industry peers · 42.8% return
    5Y
    24%
    of 29 industry peers · -38.7% return
    Consumer Finance peers with revenue growth within 4pp of WRLD's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    WRLD World Acceptance -0.3% 17.1x 11.3%42.8%-38.7% —
    BFH Bread Financial -2.3% 7.3x 62.2%263.6%49.2% +88pp
    ALLY Ally Financial 2.5% 8.0x 0.2%60.7%-6.8% +32pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Consumer Finance is WRLD's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance ← 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    More From Trefis

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    Peer Comparisons

    Peers to compare with:

    Financials

    WRLDOMFRMCACCFCFSEZPWMedian
    NameWorld Ac.OneMain Regional.Credit A.FirstCashEZCORP  
    Mkt Price151.2956.9137.56524.01188.0028.73104.10
    Mkt Cap0.76.50.35.58.11.83.6
    Rev LTM5415,2115912,3204,2861,5841,952
    Op Inc LTM---487692220487
    FCF LTM2603,2123061,256606138456
    FCF 3Y Avg2572,9522791,162502102391
    CFO LTM2663,2123241,261679182502
    CFO 3Y Avg2612,9522961,165566140431

    Growth & Margins

    WRLDOMFRMCACCFCFSEZPWMedian
    NameWorld Ac.OneMain Regional.Credit A.FirstCashEZCORP  
    Rev Chg LTM3.0%7.0%7.7%2.1%22.9%28.6%7.4%
    Rev Chg 3Y Avg-0.3%7.2%7.4%7.9%12.3%16.4%7.7%
    Rev Chg Q3.8%6.6%7.7%2.2%17.7%34.7%7.2%
    QoQ Delta Rev Chg LTM0.9%1.6%1.9%0.5%4.0%7.3%1.8%
    Op Inc Chg LTM----14.5%31.6%59.0%31.6%
    Op Inc Chg 3Y Avg---24.9%24.0%35.8%24.9%
    Op Mgn LTM---21.0%16.1%13.9%16.1%
    Op Mgn 3Y Avg---19.5%14.6%11.4%14.6%
    QoQ Delta Op Mgn LTM----9.7%0.0%0.3%0.0%
    CFO/Rev LTM49.1%61.6%54.9%54.4%15.8%11.5%51.7%
    CFO/Rev 3Y Avg49.5%60.9%54.1%52.6%15.2%10.5%51.1%
    FCF/Rev LTM48.1%61.6%51.8%54.2%14.1%8.7%50.0%
    FCF/Rev 3Y Avg48.6%60.9%51.0%52.5%13.4%7.6%49.8%

    Valuation

    WRLDOMFRMCACCFCFSEZPWMedian
    NameWorld Ac.OneMain Regional.Credit A.FirstCashEZCORP  
    Mkt Cap0.76.50.35.58.11.83.6
    P/S1.31.30.62.41.91.11.3
    P/Op Inc---11.211.78.011.2
    P/EBIT---11.211.67.211.2
    P/E17.38.57.116.219.911.213.7
    P/CFO2.62.01.04.311.99.73.4
    Total Yield5.9%19.3%17.5%6.2%5.9%9.0%7.6%
    Dividend Yield0.0%7.6%3.4%0.0%0.9%0.0%0.5%
    FCF Yield 3Y Avg30.9%47.4%89.8%21.5%7.1%9.1%26.2%
    D/E1.03.75.31.20.30.51.1
    Net D/E0.93.55.31.20.30.31.1

    Returns

    WRLDOMFRMCACCFCFSEZPWMedian
    NameWorld Ac.OneMain Regional.Credit A.FirstCashEZCORP  
    1M Rtn-14.5%1.3%14.5%-2.3%-11.7%-6.9%-4.6%
    3M Rtn-20.4%-11.0%14.7%-9.9%-8.4%-1.6%-9.1%
    6M Rtn1.2%5.9%9.3%0.2%-16.1%-12.6%0.7%
    12M Rtn12.6%0.4%-4.9%16.1%16.9%59.6%14.3%
    3Y Rtn44.5%85.8%91.3%21.8%77.0%237.9%81.4%
    1M Excs Rtn-12.8%3.0%14.6%-0.1%-8.8%-4.2%-2.2%
    3M Excs Rtn-18.3%-10.0%16.5%-9.6%-6.1%3.8%-7.9%
    6M Excs Rtn-3.7%1.1%4.5%-4.6%-20.9%-17.4%-4.1%
    12M Excs Rtn1.0%-12.5%-14.9%8.4%5.1%48.9%3.0%
    3Y Excs Rtn-30.9%17.7%-13.2%-53.3%-5.0%167.0%-9.1%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 3/312027Q12026Q42026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q2
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/6/20266/4/20262/9/202611/6/20258/6/20255/22/20252/6/202511/7/20248/8/20245/23/20242/7/202411/3/2023
    Key Financials Quarterly            
    Total Revenue128164128120123153127121120147126124
    Net Income636-1-2244132210351716
    EPS1.367.84-0.19-0.380.308.242.464.051.825.902.892.78
    Key Financials TTM            
    Total Revenue TTM541536525524525521515514517525526533
    Net Income TTM393543578189808477776756
    Growth Rates Quarterly            
    Total Revenue Growth3.8%7.1%0.9%-0.7%2.8%4.3%1.0%-2.7%-5.8%-1.0%-4.8%-10.1%
    Net Income Growth285.4%-17.5%-106.8%-108.8%-84.1%25.9%-19.7%37.6%4.3%41.1%187.1%2622.4%
    Margins Quarterly            
    Net Income Margin4.8%22.0%-0.7%-1.6%1.3%28.5%10.5%18.3%8.3%23.6%13.2%12.9%
    Cash & Debt            
    Total Cash106101585161011121319
    Total Debt648661752660549526641588576578667644
    Net Debt / (Cash)638655742645541521625578565566655625
    Cash Flows Quarterly            
    FCF from Operations649558495891615448845963
    Cash Flows TTM            
    FCF from Operations TTM266259256259264254247245254266268278
    Returns to Shareholders Quarterly            
    Dividends000000000000
    Share Repurchases23815671332110111917-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC2.6%15.5%-0.4%-0.7%0.8%22.2%6.0%10.5%4.7%16.3%7.1%7.1%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM4.3%3.7%4.2%6.2%10.0%11.3%9.0%9.9%9.1%9.0%7.1%6.1%

    Segment Financials

    Revenue by Segment
    $ Mil20262025202420232022
    Consumer finance segment536521525566549
    Total536521525566549


    Price Behavior

    Price Behavior
    Market Price$149.58 
    Market Cap ($ Bil)0.7 
    First Trading Date12/02/1991 
    Distance from 52W High-33.2% 
       50 Days200 Days
    DMA Price$176.22$163.94
    DMA Trenddownup
    Distance from DMA-15.1%-8.8%
     3M1YR
    Volatility34.0%46.8%
    Downside Capture87.9358.72
    Upside Capture-0.2673.40
    Correlation (S&P 500)11.8%22.6%
    WRLD Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta1.280.600.890.650.851.22
    Up Beta0.66-3.460.100.090.891.33
    Down Beta2.912.402.210.520.821.21
    Up Capture37%23%47%86%90%134%
    Bmk +ve Days12182862130427
    Stock +ve Days14253368137404
    Down Capture89%107%105%81%78%104%
    Bmk -ve Days10253664121325
    Stock -ve Days8183158114345

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with WRLD
    WRLD13.4%46.8%0.41-
    Sector ETF (XLF)11.1%15.2%0.4729.9%
    Equity (SPY)9.5%13.6%0.4125.9%
    Gold (GLD)3.6%28.7%0.11-2.3%
    Commodities (DBC)37.7%21.2%1.40-23.0%
    Real Estate (VNQ)12.0%14.2%0.5522.8%
    Bitcoin (BTCUSD)-20.8%43.3%-0.426.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with WRLD
    WRLD-3.6%53.8%0.13-
    Sector ETF (XLF)9.1%18.4%0.3644.8%
    Equity (SPY)11.3%17.3%0.4845.8%
    Gold (GLD)17.5%19.1%0.741.6%
    Commodities (DBC)8.0%19.6%0.292.6%
    Real Estate (VNQ)1.2%18.9%-0.0540.6%
    Bitcoin (BTCUSD)5.9%51.5%0.2919.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with WRLD
    WRLD12.0%54.9%0.43-
    Sector ETF (XLF)13.3%22.1%0.5443.2%
    Equity (SPY)14.9%18.0%0.7041.8%
    Gold (GLD)12.0%16.5%0.590.6%
    Commodities (DBC)7.6%18.1%0.339.4%
    Real Estate (VNQ)5.7%20.7%0.2335.1%
    Bitcoin (BTCUSD)61.3%66.2%1.0112.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.4 Mil
    Short Interest: % Change Since 9302026-4.1%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest7.5 days
    Basic Shares Quantity4.5 Mil
    Short % of Basic Shares8.4%

    Returns Analyses

    Earnings Returns History

    Updated 11/3/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/23/2026-1.5%3.7% 
    7/24/202613.0%0.0%4.0%
    4/30/2026-4.0%-2.7%7.7%
    1/27/2026-17.6%-13.6%-6.1%
    10/23/2025-12.8%-25.8%-23.9%
    7/24/2025-9.6%-7.9%-4.1%
    4/29/20253.4%-2.4%11.1%
    1/28/202516.3%7.9%4.3%
    ...
    SUMMARY STATS   
    # Positive111013
    # Negative131410
    Median Positive7.4%11.8%5.0%
    Median Negative-8.7%-11.2%-8.5%
    Max Positive33.9%21.6%22.3%
    Max Negative-27.3%-28.8%-32.7%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/23/2026-1.5%3.7% 
    7/24/202613.0%0.0%4.0%
    4/30/2026-4.0%-2.7%7.7%
    1/27/2026-17.6%-13.6%-6.1%
    10/23/2025-12.8%-25.8%-23.9%
    7/24/2025-9.6%-7.9%-4.1%
    4/29/20253.4%-2.4%11.1%
    1/28/202516.3%7.9%4.3%
    10/25/2024-0.6%-1.7%2.7%
    7/26/2024-17.7%-19.2%-19.9%
    5/2/20241.1%-2.5%-7.4%
    1/19/202417.3%13.7%5.0%
    10/20/2023-4.9%-18.3%-6.4%
    7/21/202310.3%12.4%-1.8%
    5/4/20237.2%11.7%22.3%
    1/26/202333.9%21.6%15.9%
    10/27/2022-27.0%-28.2%-30.6%
    7/27/2022-2.2%-5.7%3.1%
    5/5/2022-8.7%-28.8%-32.7%
    1/25/20222.4%-12.0%-9.6%
    10/26/2021-27.3%-10.3%4.0%
    7/21/20217.4%11.9%8.1%
    5/6/20210.4%4.2%14.6%
    1/22/2021-6.1%18.2%4.0%
    SUMMARY STATS   
    # Positive111013
    # Negative131410
    Median Positive7.4%11.8%5.0%
    Median Negative-8.7%-11.2%-8.5%
    Max Positive33.9%21.6%22.3%
    Max Negative-27.3%-28.8%-32.7%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202606/04/202610-K
    12/31/202502/09/202610-Q
    09/30/202511/06/202510-Q
    06/30/202508/06/202510-Q
    03/31/202505/22/202510-K
    12/31/202402/06/202510-Q
    09/30/202411/07/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/23/202410-K
    12/31/202302/07/202410-Q
    09/30/202311/03/202310-Q
    06/30/202308/03/202310-Q
    03/31/202306/01/202310-K
    12/31/202202/03/202310-Q
    09/30/202211/04/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202606/04/202610-K
    12/31/202502/09/202610-Q
    09/30/202511/06/202510-Q
    06/30/202508/06/202510-Q
    03/31/202505/22/202510-K
    12/31/202402/06/202510-Q
    09/30/202411/07/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/23/202410-K
    12/31/202302/07/202410-Q
    09/30/202311/03/202310-Q
    06/30/202308/03/202310-Q
    03/31/202306/01/202310-K
    12/31/202202/03/202310-Q
    09/30/202211/04/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/27/202210-K
    12/31/202102/04/202210-Q
    09/30/202111/05/202110-Q
    06/30/202108/06/202110-Q
    03/31/202106/02/202110-K
    12/31/202002/05/202110-Q
    09/30/202011/06/202010-Q
    06/30/202008/07/202010-Q
    03/31/202005/29/202010-K
    12/31/201902/10/202010-Q
    09/30/201911/07/201910-Q

    Insider Activity

    Updated 11/3/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Robinson, Benjamin E Iii DirectSell11032026165.329014,879769,730Form
    2Bramlett, Ken R JR DirectSell10302026176.953,797671,8755,026,763Form
    3Prescott, General Partners LlcPrescott Associates L.P.Sell10302026169.8388,32415,000,065124,827,088Form
    4Prescott, General Partners LlcPrescott Associates L.P.Sell8182026187.6972,46013,600,017154,531,934Form
    5Prescott, General Partners LlcPrescott International Partners L.P.Sell8182026187.6910,6562,000,0255,846,168Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Robinson, Benjamin E Iii DirectSell11032026165.329014,879769,730Form
    2Bramlett, Ken R JR DirectSell10302026176.953,797671,8755,026,763Form
    3Prescott, General Partners LlcPrescott Associates L.P.Sell10302026169.8388,32415,000,065124,827,088Form
    4Prescott, General Partners LlcPrescott Associates L.P.Sell8182026187.6972,46013,600,017154,531,934Form
    5Prescott, General Partners LlcPrescott International Partners L.P.Sell8182026187.6910,6562,000,0255,846,168Form
    6Prescott, General Partners LlcIdoya Partners L.P.Sell8182026187.6942,0917,900,06089,426,590Form
    7Prescott, General Partners LlcPrescott Investors Profit Sharing TrustSell8182026187.697,9921,500,0187,938,161Form
    8Childers, Jason ESVP, Information TechnologyDirectSell8132026190.742,000381,4802,441,281Form
    9Robinson, Benjamin E Iii DirectSell8112026187.269016,853888,736Form
    10McIntyre, ScottSVP, AccountingDirectSell8042026185.001,300240,5002,712,100Form
    11Calmes, John L JRSee remarksDirectSell7312026186.002,000372,0008,990,124Form
    12Way, Charles D DirectSell7012026225.00833187,4252,864,025Form
    13Way, Charles D DirectSell6292026210.00833174,9302,848,020Form
    14Caulder, Alice LindsaySVP, Human ResourcesDirectSell6162026181.00609110,2292,657,442Form
    15Umstetter, Luke JSee remarksDirectSell6152026181.661,000181,6605,130,987Form
    16Robinson, Benjamin E Iii DirectSell5262026160.009014,400773,760Form
    17Robinson, Benjamin E Iii DirectSell5012026160.0018028,800788,160Form
    18Calmes, John L JRSee remarksDirectSell3112026141.881,000141,8807,141,388Form
    19Prashad, R ChadPresident and CEODirectSell12192025147.673,000442,99710,877,049Form
    20Calmes, John L JRSee remarksDirectSell12192025149.211,000149,2138,116,439Form
    21Dyer, Daniel ClintonSee remarksDirectSell12172025149.008,8571,319,6935,012,360Form
    22Dyer, Daniel ClintonSee remarksDirectSell12172025150.008913,3506,374,550Form

    Investor Activity (13F)

    Updated Nov 6, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Prescott General Partners LLC$204.2 Mil15.0%10Hold13F
    Active Manager
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Prescott General Partners LLC$204.2 Mil15.0%10Hold13F

    Industry Resources

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    Core Cache Last Updated: 11/5/2026