World Acceptance Corporation

NasdaqGS:WRLD Stock Report

Market Cap: US$747.9m

World Acceptance Past Earnings Performance

Past criteria checks 1/6

World Acceptance's earnings have been declining at an average annual rate of -1%, while the Consumer Finance industry saw earnings declining at 0.8% annually. Revenues have been growing at an average rate of 0.2% per year. World Acceptance's return on equity is 9.9%, and it has net margins of 6%.

Key information

-1.00%

Earnings growth rate

3.51%

EPS growth rate

Consumer Finance Industry Growth7.20%
Revenue growth rate0.19%
Return on equity9.89%
Net Margin5.98%
Last Earnings Update31 Mar 2026

Recent past performance updates

Recent updates

Narrative Update • Jun 01

WRLD: Future Returns Will Rely On Buybacks Amid Leadership Uncertainty

Analysts have kept their fair value estimate for World Acceptance steady at $141, with only slight tweaks to underlying assumptions such as discount rate, revenue growth, profit margin, and future P/E that guide this unchanged price target view. What's in the News From January 1, 2026 to March 31, 2026, World Acceptance repurchased 137,412 shares, representing 2.89% of shares, for US$18.38 million under the buyback announced on July 24, 2025.
Narrative Update • May 15

WRLD: Future Returns Will Depend On Buybacks And Leadership Transition

Analysts have raised their price target for World Acceptance from $130 to $141, citing updated assumptions for revenue growth, profit margins, and the future P/E ratio, which together indicate a higher estimated fair value for the stock. What's in the News From January 1, 2026 to March 31, 2026, World Acceptance repurchased 137,412 shares, representing 2.89% of its stock for US$18.38 million under the buyback program announced on July 24, 2025.
Narrative Update • Apr 27

WRLD: Rising Net Charge Offs Will Eventually Overwhelm Support From Share Repurchases

Analysts kept their price target for World Acceptance steady at $130, reflecting largely unchanged views on fair value, as updated inputs for discount rate, revenue growth, profit margin and future P/E remain close to prior assumptions. What's in the News The Board appointed Janet Matricciani as interim CEO effective April 13, 2026, following the resignation of R.
Narrative Update • Apr 12

WRLD: Rising Net Charge Offs Will Undermine Support From Share Repurchases

Analysts have raised their fair value estimate for World Acceptance from $120 to $130, reflecting updated assumptions around discount rates, revenue growth, profit margins, and future P/E expectations. What's in the News World Acceptance announced a share repurchase program authorizing the company to buy back up to $50 million of its common stock, signaling an increased focus on returning capital to shareholders (company announcement).
Narrative Update • Mar 29

WRLD: Share Repurchases And Higher Net Charge Offs Will Shape A Balanced Outlook

Analysts kept their $120 price target on World Acceptance steady, reflecting largely unchanged views on fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. What's in the News World Acceptance announced a share repurchase program authorizing the company to buy back up to $50 million of its common stock (Key Developments).
Narrative Update • Mar 12

WRLD: Rising Net Charge Offs And Buybacks Will Sustain A Cautious Outlook

Analysts have kept their $120 price target for World Acceptance unchanged, citing only marginal adjustments in the discount rate, revenue growth, profit margin, and forward P/E assumptions that leave their overall view of fair value effectively steady. What's in the News World Acceptance Corporation announced a share repurchase program authorizing the company to buy back up to $50 million of its common stock (Key Developments).
Narrative Update • Feb 26

WRLD: Rising Net Charge Offs Will Drive A Cautious Outlook

Analysts have maintained their $120 price target on World Acceptance, citing only minor adjustments in discount rate, revenue growth, profit margin, and forward P/E assumptions that together support a largely unchanged view of the stock’s value. What's in the News World Acceptance Corporation announced a new share repurchase program authorizing the company to buy back up to $50 million of its common stock (company announcement).
Narrative Update • Feb 12

WRLD: Share Repurchases And Credit Charge Offs Will Shape Balanced Outlook

Analysts kept their fair value estimate for World Acceptance steady at $120. A slightly higher discount rate and modestly adjusted assumptions for revenue growth, profit margin, and future P/E underpin a broadly unchanged price target narrative.
Narrative Update • Jan 29

WRLD: Share Buybacks And Higher Charge Offs Will Shape Balanced Outlook

Analysts have lowered their price target on World Acceptance from about US$157.50 to roughly US$120.00, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E as the key drivers behind the revised view. What's in the News Completed share repurchase of 488,426 shares, or 9.55% of outstanding stock, for a total of US$81.63 million under the buyback program announced on July 24, 2025 (Key Developments).
Seeking Alpha • Oct 29

World Acceptance: Aggressive Growth Strategy Meets Elevating Credit Risk Profile

Summary World Acceptance Corporation is rated 'Hold' due to its high-risk turnaround status at a critical inflection point. WRLD's bullish catalysts are aggressive customer acquisition and a major buyback program, potentially reducing shares by 17.7% and boosting EPS. Significant risks include deteriorating credit quality, margin compression from loan loss provisions, and negative near-term analyst sentiment. I remain cautious, awaiting evidence of stable, profitable results before recommending new positions; WRLD is best suited for risk-tolerant, existing investors. Read the full article on Seeking Alpha
Analysis Article • Oct 29

Slammed 26% World Acceptance Corporation (NASDAQ:WRLD) Screens Well Here But There Might Be A Catch

World Acceptance Corporation ( NASDAQ:WRLD ) shareholders won't be pleased to see that the share price has had a very...
Analysis Article • Jul 31

Is Now The Time To Put World Acceptance (NASDAQ:WRLD) On Your Watchlist?

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Analysis Article • Jun 30

World Acceptance Corporation's (NASDAQ:WRLD) Share Price Is Matching Sentiment Around Its Earnings

World Acceptance Corporation's ( NASDAQ:WRLD ) price-to-earnings (or "P/E") ratio of 9.6x might make it look like a buy...
Analysis Article • Feb 07

World Acceptance Corporation's (NASDAQ:WRLD) Share Price Boosted 25% But Its Business Prospects Need A Lift Too

World Acceptance Corporation ( NASDAQ:WRLD ) shares have had a really impressive month, gaining 25% after a shaky...
Analysis Article • Nov 12

Improved Earnings Required Before World Acceptance Corporation (NASDAQ:WRLD) Shares Find Their Feet

World Acceptance Corporation's ( NASDAQ:WRLD ) price-to-earnings (or "P/E") ratio of 8x might make it look like a...
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New Narrative • Sep 24

Strategies To Enhance Quality Growth And Profitability In Consumer Finance

Focusing on high credit quality growth and rightsizing the portfolio aims to boost revenue growth and net margins by attracting better customers and reducing delinquencies.
Analysis Article • Aug 14

This Is Why World Acceptance Corporation's (NASDAQ:WRLD) CEO Compensation Looks Appropriate

Key Insights World Acceptance's Annual General Meeting to take place on 21st of August Total pay for CEO Ravin Prashad...
Analysis Article • Jul 16

World Acceptance Corporation's (NASDAQ:WRLD) Shares Lagging The Market But So Is The Business

With a price-to-earnings (or "P/E") ratio of 9.6x World Acceptance Corporation ( NASDAQ:WRLD ) may be sending bullish...
Analysis Article • Mar 22

Fewer Investors Than Expected Jumping On World Acceptance Corporation (NASDAQ:WRLD)

When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 17x, you may...
Analysis Article • Dec 22

Market Might Still Lack Some Conviction On World Acceptance Corporation (NASDAQ:WRLD) Even After 25% Share Price Boost

World Acceptance Corporation ( NASDAQ:WRLD ) shareholders would be excited to see that the share price has had a great...

Revenue & Expenses Breakdown

How World Acceptance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:WRLD Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 26586352990
31 Dec 25573432830
30 Sep 25571572720
30 Jun 25568812460
31 Mar 25565902370
31 Dec 24559812430
30 Sep 24558842410
30 Jun 24563782580
31 Mar 24573772640
31 Dec 23575672670
30 Sep 23584562650
30 Jun 23599392710
31 Mar 23611212750
31 Dec 22619152780
30 Sep 22621172880
30 Jun 22608302930
31 Mar 22586542950
31 Dec 21565802950
30 Sep 21548882980
30 Jun 21534892990
31 Mar 21531882990
31 Dec 20542673160
30 Sep 20558463290
30 Jun 20575353320
31 Mar 20591283420
31 Dec 19584433250
30 Sep 19575553130
30 Jun 19560673000
31 Mar 19545742870
31 Dec 18529622810
30 Sep 18517562690
30 Jun 18509542670
31 Mar 18503492660
31 Dec 17506552630
30 Sep 17511652700
30 Jun 17521682700
31 Mar 17491682440
31 Dec 16531722640
30 Sep 16540772640
30 Jun 16547802640
31 Mar 16557872690
31 Dec 155811062730
30 Sep 155901102770
30 Jun 156021122860

Quality Earnings: WRLD has high quality earnings.

Growing Profit Margin: WRLD's current net profit margins (6%) are lower than last year (15.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: WRLD's earnings have declined by 1% per year over the past 5 years.

Accelerating Growth: WRLD's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: WRLD had negative earnings growth (-61%) over the past year, making it difficult to compare to the Consumer Finance industry average (24.1%).

Return on Equity

High ROE: WRLD's Return on Equity (9.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/04 04:07
End of Day Share Price 2026/06/04 00:00
Earnings2026/03/31
Annual Earnings2026/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

World Acceptance Corporation is covered by 6 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
James FotheringhamBMO Capital Markets Equity Research
William ArmstrongCL King & Associates, Inc.
John HechtJefferies LLC