World Acceptance Corporation
Description
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.
About
CEO
Mr. Ravin Chad Prashad
Employees
2,872
Instrument type
Common Stock
Sector
Financial Services
Industry
Credit Services
MIC code
XNGS
Address
104 South Main Street, Greenville, SC 29601, United States
×
![Enlarged Chart]()
Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 26, 2026 | — | — | — | — |
| Oct 23, 2025 | — | — | — | — |
| Jul 24, 2025 | — | — | — | — |
| Apr 30, 2025 | — | — | — | — |
| Jan 28, 2025 | 1.96 | 2.45 | 0.49 | 25.00% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Mar 2025)
|
Next Year
(Mar 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 2 | 2 | 2 | 2 |
| Average estimate | 5.83 | 2.77 | 14.00 | 14.73 |
| Low estimate | 5.24 | 2.57 | 13.44 | 14.21 |
| High estimate | 6.42 | 2.97 | 14.56 | 15.25 |
| Last year EPS | 6.09 | 1.79 | 13.19 | 14.00 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
-4.270%
Next qtr. (Jun 2025)
54.750%
Current year (Mar 2025)
6.140%
Next year (Mar 2026)
5.210%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Fiscal date | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 |
| Total reported revenue | 524.98M | 566.08M | 551.76M | 502.29M | 564.13M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 214.60M | 222.90M | 242.88M | 243.01M | 288.24M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 99.41M | 27.15M | 65.58M | 111.40M | 34.91M |
| Tax provision | 22.06M | 5.91M | 11.66M | 23.12M | 6.75M |
| Net income | 77.35M | 21.23M | 53.92M | 88.28M | 28.16M |
| Basic EPS | 13.45 | 3.41 | 8.49 | 12.97 | 3.93 |
| Diluted EPS | 13.19 | 3.41 | 8.47 | 12.97 | 3.86 |
| Basic average shares | 5.75M | 6.23M | 6.35M | 6.81M | 7.81M |
| Diluted average shares | 5.75M | 6.23M | 6.35M | 6.81M | 7.81M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 77.35M | 21.23M | 53.92M | 88.28M | 28.16M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Fiscal date | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 | 2020-03-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | — | — | — | — | — |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 11.84M | 16.51M | 19.24M | 15.75M | 11.62M |
| Other short term investments | — | — | — | — | — |
| Accounts receivable | — | — | — | — | — |
| Other receivables | 3.09M | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 79.50M | 81.29M | 86.24M | 91.07M | 101.69M |
| Land and improvements | 100,443 | 100,443 | 100,443 | 100,443 | 100,443 |
| Machinery furniture equipment | 58.81M | 56.48M | 56.27M | 52.89M | 51.38M |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | -56.17M | -51.16M | -50.38M | -45.55M | -43.76M |
| Goodwill | 25.81M | 30.03M | 34.50M | 38.28M | 39.19M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 11.07M | 15.29M | 19.76M | 23.54M | 24.45M |
| Investments and advances | — | — | — | — | — |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 53.97M | 50.56M | 58.04M | 41.04M | 59.30M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | 2.53M | 7.38M | 11.58M | 4.97M |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 577.95M | 679.00M | 779.85M | 496.73M | 553.86M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | — | — | — | — | — |
| Retained earnings | 137.99M | 97.15M | 92.12M | 149.34M | 184.75M |
| Other shareholders equity | — | — | — | — | — |
| Total shareholders equity | 424.43M | 385.23M | 373.02M | 404.93M | 411.96M |
| Additional paid in capital | 286.43M | 288.07M | 280.91M | 255.59M | 227.21M |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||
| Net Income | 77.35M | 21.23M | 53.92M | 88.28M | 28.16M | 37.24M | 53.69M | 73.60M | 87.40M | 110.83M | 106.61M | 104.09M | 100.69M | 91.25M | 73.66M | 56.49M | 53.00M | 47.90M | 38.51M | 33.99M | 28.77M | 22.86M | 19.34M | 15.60M | 14.17M | 7.30M | 8.10M | 8.10M | 10.60M | 8.60M | 5.80M | 4.40M | 2.30M |
| Depreciation | 10.89M | 10.91M | 11.67M | 12.42M | 12.16M | 8.14M | 8.33M | 7.41M | 7.03M | 7.26M | 7.34M | 7.81M | 8.19M | 8.12M | 8.01M | 7.98M | 3.27M | 6.32M | 5.26M | 4.72M | 4.18M | 4.02M | 3.82M | 3.43M | 3.05M | 2.90M | 3.00M | 4.40M | 3.80M | 4.00M | 4.70M | 4.40M | 300,000 |
| Deferred Taxes | 10.74M | -2.10M | -10.88M | 7.39M | 1.44M | -3.66M | 8.79M | -894,086 | -785,377 | -3.83M | -4.10M | -10.94M | -3.99M | -2.84M | 608,244 | 3.23M | -3.13M | -1.25M | 6.79M | -1.16M | -918,000 | -1.69M | -914,000 | -808,000 | — | — | — | — | — | — | -800,000 | -500,000 | -700,000 |
| Stock-Based Compensation | -1.68M | 9.05M | 17.58M | 19.28M | 28.95M | 17.64M | 5.43M | 4.81M | -6.36M | 15.97M | 14.91M | 11.17M | 6.62M | 5.34M | 4.85M | 4.65M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | 400,438 | 4.76M | -8.04M | 9.29M | 517,499 | 38.97M | 865,727 | 2.03M | 2.77M | 418,847 | 373,441 | 612,021 | 311,624 | 441,895 | -1.11M | 773,047 | 78.35M | 55.86M | 46.03M | 40.04M | 33.48M | 29.57M | 25.69M | 19.75M | 15.70M | 11.70M | 9.50M | 9.50M | 9.10M | 5.90M | 4.20M | 3.60M | 8.30M |
| Accounts Receivable | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | 3.11M | -7.48M | 17.00M | -18.26M | 19.92M | 5.88M | 8.57M | -904,326 | 511,863 | 1.04M | -967,249 | 3.39M | 2.44M | -1.13M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | -4.41M | -14.00M | -12.39M | 2.38M | -15.54M | -8.05M | 1.16M | 492,233 | 1.92M | -1.06M | -360,471 | -811,921 | -490,705 | 1.02M | -2.38M | -361,495 | — | 26,053 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -200,000 |
| Operating Cash Flow | 96.40M | 22.38M | 68.87M | 120.78M | 75.60M | 96.14M | 86.84M | 86.54M | 92.49M | 130.63M | 123.81M | 115.31M | 113.77M | 102.20M | 83.65M | 72.76M | 131.49M | 108.85M | 96.59M | 77.59M | 65.51M | 54.77M | 47.94M | 37.97M | 32.92M | 21.90M | 20.60M | 22.00M | 23.50M | 18.50M | 13.90M | 11.90M | 10.00M |
| Investing Activities | |||||||||||||||||||||||||||||||||
| Capital Expenditures | -5.58M | -5.30M | -5.82M | -11.34M | -10.99M | -9.34M | -8.86M | -6.01M | -7.76M | -8.19M | -7.38M | -6.88M | -6.86M | -6.39M | -5.24M | -9.86M | -9.73M | -8.31M | -5.91M | -6.85M | -5.54M | -2.89M | -1.98M | -1.34M | -1.89M | -1.30M | -1.80M | -1.70M | -2.20M | -1.80M | -1.50M | -800,000 | -300,000 |
| Net Intangibles | — | — | -1.23M | -4.56M | -14.46M | -10.22M | -1.99M | -4.13M | -81,531 | -463,345 | -281,436 | -716,169 | -869,189 | -746,666 | -903,918 | -1.67M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | — | — | 37.49M | — | — | -92,097 | -1.52M | -774,549 | -1.95M | -3.38M | -2.98M | -2.84M | -9.15M | -3.22M | -16.27M | -6.80M | -21.68M | -18.66M | -19.68M | -13.70M | -19.48M | -12.38M | -5.84M | -9.38M | -19.97M | — | — | — | — | — |
| Purchase of Investments | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Sale of Investments | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Investing Cash Flow | -5.58M | -5.30M | -4.72M | -6.53M | -58.09M | -5.77M | -24.45M | -22.72M | -7.95M | -11.22M | -8.93M | -10.79M | -13.62M | -12.35M | -8.08M | -19.02M | -138.77M | -120.55M | -95.67M | -74.16M | -70.58M | -63.84M | -39.95M | -49.64M | -37.48M | -34.04M | -34.38M | -47.17M | -21.80M | -20.20M | -17.00M | -8.30M | -6.80M |
| Financing Activities | |||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 305.70M | 313.86M | 815.32M | 310.98M | 540.69M | 364.29M | 294.96M | 274.90M | 295.10M | 310.72M | 425.64M | 443.52M | 425.02M | 323.90M | — | 8.81M | 43.90M | 110.00M | 17.81M | 363,454 | 1.71M | 21.15M | — | 15.25M | 10.75M | 11.50M | 10.00M | 24.50M | 4.40M | 7.70M | 9.00M | 20.80M | — |
| Long-Term Debt Payments | -404.24M | -410.18M | -523.86M | -357.67M | -342.04M | -357.25M | -345.20M | -354.45M | -421.56M | -315.07M | -320.39M | -322.52M | -335.02M | -310.80M | -28.61M | -9.58M | -200,000 | -39.40M | -200,000 | -11.13M | -8.70M | -2.00M | -8.25M | — | -4.00M | -4.00M | -4.50M | -4.00M | -4.00M | -5.90M | -5.80M | -26.50M | -9.70M |
| Other Financing Charges | -3.44M | -3.72M | -10.19M | -3.96M | -5.47M | -1.63M | -1.94M | -766,362 | -5.42M | 652,276 | 2.66M | 2.06M | 2.07M | 1.29M | 1.67M | 1.32M | 1.11M | -9.33M | — | — | — | — | — | — | — | -100,000 | — | — | — | -100,000 | — | — | -800,000 |
| Financing Cash Flow | -138.18M | -114.35M | 170.13M | -153.10M | -4.22M | -69.11M | -56.79M | -85.31M | -131.89M | -119.02M | -82.62M | -59.98M | -47.73M | -38.95M | -28.37M | -7.30M | 44.81M | 62.81M | 17.61M | -10.77M | -6.99M | 19.15M | -8.25M | 13.25M | 6.75M | 7.40M | 5.50M | 20.50M | 400,000 | 1.70M | 3.20M | -5.70M | -10.50M |
| Other Cash Details | |||||||||||||||||||||||||||||||||
| End Cash Position | 11.84M | 16.51M | 19.24M | 15.75M | 11.62M | 9.34M | 32.09M | 15.20M | 12.38M | 38.34M | 19.57M | 11.63M | 10.77M | 8.03M | 5.45M | 6.26M | 7.59M | 5.78M | 4.03M | 3.05M | 4.31M | 4.02M | 3.22M | 3.29M | 1.69M | 1.20M | 1.20M | 1.49M | 1.69M | — | — | — | — |
| Income Tax Paid | 8.95M | 10.78M | 30.94M | 14.86M | 15.71M | 23.26M | 38.74M | 38.04M | 62.53M | 61.03M | 67.40M | 66.92M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 48.84M | 51.76M | 21.32M | 24.99M | 23.94M | 16.84M | 17.70M | 19.25M | 23.81M | 22.71M | 19.92M | 16.03M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 259.85M | 285.73M | 266.38M | 215.27M | 255.24M | 224.64M | 206.87M | 208.42M | 197.33M | 232.84M | 238.25M | 224.42M | 211.68M | 192.69M | 177.46M | 142.38M | 126.29M | 101.77M | 92.09M | 80.85M | 64.32M | 52.25M | 46.31M | 37.76M | 29.97M | 19.40M | 17.20M | 18.90M | 19.50M | 16.40M | 13.20M | 13.20M | 11.70M |
Error: Invalid format in Holders JSON file.
Article
World Acceptance (WRLD) Now Trades Above Golden Cross: Time to Buy?
World Acceptance Corporation (WRLD) reached a significant support level, and could be a good pick for investors from a technical perspective. Recently, WRLD's 50-day simple moving average broke out above its 200-day moving average; this is known as a "golden cross.
Feb 7, 2025
Article
Are Investors Undervaluing World Acceptance (WRLD) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Feb 5, 2025
Article
World Acceptance Corporation (WRLD) Hit a 52 Week High, Can the Run Continue?
World Acceptance (WRLD) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
Jan 29, 2025
