World Acceptance (WRLD) Financials: Revenue & Earnings
WRLD$170.66+0.83 +0.49%
$795.35M
Market Cap
15.31
P/E
12.42
Forward P/E
58
Score
World Acceptance (WRLD) Financials: Revenue & Earnings
WRLD price $170.66 +0.83 +0.49%
- Ticker
- WRLD
- Price
- $170.66
- Change
- +0.83 +0.49%
- Market cap ?
- $795.35M
- P/E ?
- 15.31
- Forward P/E ?
- 12.42
- Dividend yield ?
- 0.00%
- Beta ?
- 1.18
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Stocklytics score
- 58
- Value
- 70
- Quality
- 53
- Growth
- 52
Stocklytics score rationale: value 70, quality 53, growth 52.
Financials
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| 490821420 | 502668332 | 544542925 | 590029015 | 527990406 | 585186753 | 616545364 | 573213402 | 564842000 | 585166700 |
World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life…
Fair value
WRLD fair value $408.46. Price $170.66. Price is 58% below fair value.
Below fair value, but more expensive than usual. A smaller discount than on 68% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 260.27M. Growth 3.12%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 10.77% (beta 1.2). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 4.66M. Net debt 655.12M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2027-01-26 | — | 1.04 | — | 145.40M |
| 2026-10-23 | 1.93 | 0.78 | 139.21M | 140.70M |
| 2026-07-24 | 2.12 | 0.58 | 139.21M | 143.90M |
| 2026-04-30 | 7.70 | 7.74 | 177.57M | 168.40M |
| 2026-01-27 | -0.19 | 0.58 | 141.25M | 129.40M |
| 2025-10-23 | -0.38 | 1.87 | 134.47M | 133.49M |
| 2025-07-24 | 0.25 | 2.44 | 132.45M | 129.10M |
| 2025-04-29 | 8.13 | 6.42 | 165.27M | 130.00M |
| 2025-01-28 | 2.45 | 1.23 | 138.63M | 154.52M |
| 2024-10-25 | 3.99 | 1.99 | 131.41M | 139.52M |
| 2024-07-26 | 1.79 | 1.69 | 129.53M | 141.00M |
| 2024-05-02 | 6.09 | 4.35 | 159.26M | 149.35M |
| 2024-01-19 | 2.84 | 1.88 | 137.75M | 142.48M |
| 2023-10-20 | 2.71 | 1.77 | 136.88M | 135.86M |
| 2023-07-21 | 1.62 | 0.63 | 139.32M | 135.86M |
| 2023-05-04 | 1.97 | 1.49 | 149.04M | 145.89M |
| 2023-01-26 | -0.78 | -0.44 | 146.50M | 151.44M |
| 2022-10-27 | -0.20 | 0.19 | 146.43M | 161.15M |
| 2022-07-27 | 1.15 | 0.85 | 157.92M | 148.67M |
| 2022-05-05 | 2.97 | 6.14 | 169.55M | 164.34M |
| 2022-01-25 | 1.14 | 1.80 | 148.57M | 164.34M |
| 2021-10-26 | 1.94 | 2.51 | 137.83M | 147.87M |
| 2021-07-21 | 2.44 | 2.01 | 129.66M | 138.49M |
| 2021-05-06 | 6.96 | 5.09 | 149.13M | 150.76M |
| 2021-01-22 | 2.25 | 0.69 | 130.95M | 133.57M |
| 2020-10-22 | 1.96 | 0.67 | 124.44M | 196.30K |
| 2020-07-30 | 2.24 | -0.08 | 123.87M | 4.42M |
| 2020-05-07 | 5.11 | 4.04 | 163.02M | 102.59M |
| 2020-01-30 | 0.29 | 0.48 | 147.00M | 90.51M |
| 2019-10-31 | 0.51 | 1.15 | 141.57M | 313.68M |
| 2019-07-25 | 0.97 | 1.87 | 138.44M | 266.89M |
| 2019-05-09 | 4.22 | 3.56 | 157.00M | 132.44M |
| 2019-01-31 | 0.67 | 1.14 | 137.64M | 256.79M |
| 2018-11-01 | 1.56 | 1.46 | 127.12M | 118.95M |
| 2018-07-26 | 1.69 | 1.95 | 122.79M | 107.98M |
| 2018-05-10 | 3.18 | 3.81 | 141.40M | 150.57M |
| 2018-01-26 | 1.37 | 0.95 | 125.70M | 654.96M |
| 2017-11-01 | 1.10 | 1.89 | 118.93M | 204.29M |
| 2017-08-03 | 1.48 | 2.03 | 116.64M | 159.93M |
| 2017-05-09 | 3.64 | 2.67 | 144.57M | 106.07M |
Dividends
Yield 0.00%. Payout ratio 0.00%. Frequency —.
Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| No data yet. | ||||
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-24 | Calmes John L Jr | Buy | 1.96K | — | — |
| 2026-08-14 | Prescott General Partners LLC | Sell | 72.46K | $187.69 | 13.60M |
| 2026-08-14 | Prescott General Partners LLC | Sell | 42.09K | $187.69 | 7.90M |
| 2026-08-14 | Prescott General Partners LLC | Sell | 7.99K | $187.69 | 1.50M |
| 2026-08-14 | Prescott General Partners LLC | Sell | 10.66K | $187.69 | 2.00M |
| 2026-08-12 | Childers Jason E. | Sell | 2.00K | $190.74 | 381.48K |
| 2026-08-10 | Robinson Benjamin E III | Sell | 90 | $187.26 | 16.85K |
| 2026-08-03 | McIntyre Scott | Sell | 1.30K | $185.00 | 240.50K |
| 2026-07-30 | Calmes John L Jr | Sell | 2.00K | $186.00 | 372.00K |
| 2026-07-02 | Prescott General Partners LLC | Sell | 56.27K | $219.46 | 12.35M |
| 2026-06-30 | WAY CHARLES D | Sell | 833 | $225.00 | 187.43K |
| 2026-06-29 | Robinson Benjamin E III | Buy | 2.03K | $188.38 | 382.60K |
| 2026-06-29 | Robinson Benjamin E III | Sell | 2.03K | $222.77 | 452.45K |
| 2026-06-29 | Robinson Benjamin E III | Sell | 2.03K | $188.38 | 382.60K |
| 2026-06-26 | WAY CHARLES D | Sell | 833 | $210.00 | 174.93K |
| 2026-06-15 | Caulder Alice Lindsay | Sell | 609 | $181.00 | 110.23K |
| 2026-06-12 | Umstetter Luke J. | Sell | 1.00K | $181.66 | 181.66K |
| 2026-06-03 | Matricciani Janet Lewis | Sell | 6.50K | — | — |
| 2026-05-22 | Robinson Benjamin E III | Sell | 90 | $160.00 | 14.40K |
| 2026-05-13 | Matricciani Janet Lewis | Sell | 264 | $149.88 | 39.57K |
| 2026-04-30 | Robinson Benjamin E III | Sell | 180 | $160.00 | 28.80K |
| 2026-04-16 | Matricciani Janet Lewis | Buy | 7.09K | — | — |
| 2026-04-13 | Matricciani Janet Lewis | Other | 0 | — | — |
| 2026-04-10 | Prashad R Chad | Sell | 8.28K | $148.80 | 1.23M |
| 2026-03-31 | Dyer Daniel Clinton | Sell | 3.47K | $135.04 | 468.18K |
| 2026-03-10 | Calmes John L Jr | Sell | 1.00K | $141.88 | 141.88K |
| 2026-02-17 | Turner James Tobin | Buy | 6.00K | — | — |
| 2026-02-13 | Turner James Tobin | Other | 0 | — | — |
| 2025-12-19 | Prashad R Chad | Sell | 6.30K | — | — |
| 2025-12-18 | Calmes John L Jr | Sell | 3.06K | $147.94 | 452.84K |
| 2025-12-18 | Caulder Alice Lindsay | Sell | 1.22K | $147.94 | 181.08K |
| 2025-12-18 | Childers Jason E. | Sell | 1.22K | $147.94 | 181.08K |
| 2025-12-18 | McIntyre Scott | Sell | 1.22K | $147.94 | 181.08K |
| 2025-12-18 | Prashad R Chad | Sell | 800 | $146.72 | 117.38K |
| 2025-12-18 | Prashad R Chad | Sell | 1.48K | $147.71 | 218.02K |
| 2025-12-18 | Prashad R Chad | Sell | 724 | $148.62 | 107.60K |
| 2025-12-18 | Prashad R Chad | Sell | 5.30K | $147.94 | 784.67K |
| 2025-12-18 | Dyer Daniel Clinton | Sell | 2.59K | $147.94 | 383.16K |
| 2025-12-18 | Umstetter Luke J. | Sell | 2.04K | $147.94 | 301.80K |
| 2025-12-17 | Calmes John L Jr | Sell | 189 | $148.11 | 27.99K |
| 2025-12-17 | Calmes John L Jr | Sell | 811 | $149.47 | 121.22K |
| 2025-12-16 | Dyer Daniel Clinton | Sell | 8.86K | $149.00 | 1.32M |
| 2025-12-15 | Dyer Daniel Clinton | Sell | 89 | $150.00 | 13.35K |
| 2025-09-17 | Caulder Alice Lindsay | Sell | 1.00K | $167.33 | 167.33K |
| 2025-09-15 | Childers Jason E. | Sell | 759 | $166.75 | 126.56K |
| 2025-09-15 | Prashad R Chad | Sell | 1.91K | $166.00 | 316.23K |
| 2025-09-12 | WAY CHARLES D | Sell | 1.00K | — | — |
| 2025-09-12 | Prashad R Chad | Sell | 5.82K | $166.32 | 968.65K |
| 2025-09-12 | Prashad R Chad | Sell | 1.20K | $168.14 | 200.93K |
| 2025-09-10 | BRAMLETT KEN R JR | Sell | 1.86K | $165.70 | 308.20K |
| 2025-09-10 | BRAMLETT KEN R JR | Sell | 502 | $166.56 | 83.61K |
| 2025-09-10 | BRAMLETT KEN R JR | Sell | 1.03K | $170.18 | 174.77K |
| 2025-09-04 | Prescott General Partners LLC | Sell | 260.30K | $172.88 | 45.00M |
| 2025-09-04 | Prescott General Partners LLC | Sell | 57.84K | $172.88 | 10.00M |
| 2025-09-04 | Prescott General Partners LLC | Sell | 17.35K | $172.88 | 3.00M |
| 2025-09-04 | Prescott General Partners LLC | Sell | 11.57K | $172.88 | 2.00M |
| 2025-08-06 | WAY CHARLES D | Sell | 402 | $160.00 | 64.32K |
| 2025-07-31 | Dyer Daniel Clinton | Sell | 128 | $159.00 | 20.35K |
| 2025-07-30 | Dyer Daniel Clinton | Sell | 4.70K | $159.50 | 750.29K |
| 2025-07-02 | Prescott General Partners LLC | Sell | 32.65K | $165.12 | 5.39M |
| 2025-06-11 | WAY CHARLES D | Buy | 50 | $100.79 | 5.04K |
| 2025-06-11 | WAY CHARLES D | Sell | 50 | $161.00 | 8.05K |
| 2025-06-11 | WAY CHARLES D | Sell | 50 | $100.79 | 5.04K |
| 2025-06-10 | WAY CHARLES D | Buy | 2.00K | — | — |
| 2025-06-10 | Whitaker Darrell E | Buy | 2.00K | — | — |
| 2025-06-10 | Robinson Benjamin E III | Buy | 2.00K | — | — |
| 2025-06-10 | Neuhoff Elizabeth R. | Buy | 2.00K | — | — |
| 2025-06-10 | BRAMLETT KEN R JR | Buy | 2.00K | — | — |
| 2025-06-10 | McIntyre Scott | Buy | 7.20K | — | — |
| 2025-06-10 | Childers Jason E. | Buy | 7.20K | — | — |
| 2025-06-10 | Caulder Alice Lindsay | Buy | 7.20K | — | — |
| 2025-06-10 | Umstetter Luke J. | Buy | 12.00K | — | — |
| 2025-06-10 | Dyer Daniel Clinton | Buy | 8.00K | — | — |
| 2025-06-10 | Calmes John L Jr | Buy | 16.00K | — | — |
| 2025-06-10 | Prashad R Chad | Buy | 28.00K | — | — |
| 2025-06-02 | Whitaker Darrell E | Sell | 2.00K | $155.61 | 311.38K |
| 2025-06-02 | Whitaker Darrell E | Sell | 499 | $156.22 | 77.95K |
| 2025-05-21 | Caulder Alice Lindsay | Sell | 1.01K | $150.00 | 151.50K |
| 2025-04-25 | Umstetter Luke J. | Buy | 8.64K | — | — |
| 2025-04-25 | Umstetter Luke J. | Sell | 3.95K | $134.15 | 530.29K |
| 2025-04-25 | Prashad R Chad | Buy | 22.46K | — | — |
| 2025-04-25 | Prashad R Chad | Sell | 6.86K | $134.15 | 920.67K |
| 2025-04-25 | McIntyre Scott | Buy | 5.18K | — | — |
| 2025-04-25 | McIntyre Scott | Sell | 2.38K | $134.15 | 319.68K |
| 2025-04-25 | Dyer Daniel Clinton | Buy | 12.96K | — | — |
| 2025-04-25 | Dyer Daniel Clinton | Sell | 5.00K | $134.15 | 670.08K |
| 2025-04-25 | Childers Jason E. | Buy | 5.18K | — | — |
| 2025-04-25 | Childers Jason E. | Sell | 2.38K | $134.15 | 319.55K |
| 2025-04-25 | Caulder Alice Lindsay | Buy | 5.18K | — | — |
| 2025-04-25 | Caulder Alice Lindsay | Sell | 2.38K | $134.15 | 319.68K |
| 2025-04-25 | Calmes John L Jr | Buy | 12.96K | — | — |
| 2025-04-25 | Calmes John L Jr | Sell | 5.00K | $134.15 | 670.21K |
| 2025-02-21 | Calmes John L Jr | Sell | 1.00K | $145.00 | 145.00K |
| 2025-02-18 | Prescott General Partners LLC | Sell | 162.71K | $147.50 | 24.00M |
| 2025-02-14 | McIntyre Scott | Sell | 1.99K | $150.22 | 298.94K |
| 2025-02-14 | McIntyre Scott | Sell | 10 | $150.63 | 1.51K |
| 2025-02-14 | Umstetter Luke J. | Sell | 157 | $151.50 | 23.79K |
| 2025-02-14 | Umstetter Luke J. | Sell | 5 | $152.16 | 761 |
| 2025-02-13 | Umstetter Luke J. | Sell | 488 | $150.19 | 73.29K |
| 2025-02-13 | Childers Jason E. | Sell | 1.26K | $148.46 | 186.91K |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 198, holders +20 vs prior quarter. Ownership 95.92%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| PRESCOTT GENERAL PARTNERS LLC | 1.51M | 0 | 0.00% | 338.53M |
| BLACKROCK, INC. | 447.23K | -5.18K | -1.14% | 100.10M |
| DIMENSIONAL FUND ADVISORS LP | 222.88K | -1.72K | -0.77% | 49.89M |
| AQR CAPITAL MANAGEMENT LLC | 201.26K | 46.30K | +29.88% | 45.05M |
| JACOBS LEVY EQUITY MANAGEMENT, INC | 113.09K | 48.20K | +74.30% | 25.31M |
| VANGUARD CAPITAL MANAGEMENT LLC | 111.61K | -6.75K | -5.70% | 24.98M |
| STATE STREET CORP | 106.26K | -11.99K | -10.14% | 23.78M |
| JPMORGAN CHASE & CO | 97.27K | 72.36K | +290.47% | 21.76M |
| BNP PARIBAS FINANCIAL MARKETS | 95.85K | 72.76K | +315.10% | 21.45M |
| AMERICAN CENTURY COMPANIES INC | 92.36K | 3.25K | +3.64% | 20.67M |
| SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P. | 71.45K | 71.45K | New | 15.99M |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 71.45K | -7.06K | -8.99% | 15.99M |
| SMITH THOMAS W | 71.15K | -6.45K | -8.31% | 15.93M |
| GEODE CAPITAL MANAGEMENT, LLC | 70.51K | 2.90K | +4.30% | 15.78M |
| UBS GROUP AG | 66.89K | -66.58K | -49.89% | 14.97M |
| CITADEL ADVISORS LLC | 60.06K | 54.25K | +934.61% | 13.44M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 57.82K | -45.12K | -43.83% | 12.94M |
| INGALLS & SNYDER LLC | 53.23K | -406 | -0.76% | 11.91M |
| NORTHERN TRUST CORP | 50.16K | 1.33K | +2.73% | 11.23M |
| ALLIANZ ASSET MANAGEMENT GMBH | 45.62K | 4.74K | +11.60% | 10.21M |
| MILLENNIUM MANAGEMENT LLC | 45.59K | -47.10K | -50.81% | 10.20M |
| RENAISSANCE TECHNOLOGIES LLC | 43.80K | -5.00K | -10.25% | 9.80M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 37.90K | -4.78K | -11.21% | 8.48M |
| GOLDMAN SACHS GROUP INC | 37.62K | 5.61K | +17.53% | 8.42M |
| MORGAN STANLEY | 32.61K | -13.06K | -28.60% | 7.30M |
Earnings and financials
World Acceptance Corporation (WRLD) trades at $170.66, with a market cap of $795.35M and a trailing P/E of 15.31. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.
Financials
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| 490821420 | 502668332 | 544542925 | 590029015 | 527990406 | 585186753 | 616545364 | 573213402 | 564842000 | 585166700 |
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