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WORLD ACCEPTANCE CORP

WRLD Clue Score29
United States Fiscal year ends March CIK 0000108385
$175.48 -2.62% Close, 9 Oct 2026
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Price $175.48 −11.45% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2017Revenue490.8Net income73.6EPS, diluted8.38Fiscal year 2018Revenue502.7 +2.4%Net income53.7 −27.1%EPS, diluted5.99 −28.5%Fiscal year 2019Revenue544.5 +8.3%Net income37.2 −30.6%EPS, diluted4.05 −32.4%Fiscal year 2020Revenue590.0 +8.4%Net income28.2 −24.4%EPS, diluted3.54 −12.6%Fiscal year 2021Revenue528.0 −10.5%Net income88.3 +213.5%EPS, diluted13.23 +273.7%Fiscal year 2022Revenue585.2 +10.8%Net income53.9 −38.9%EPS, diluted8.47 −36.0%Fiscal year 2023Revenue616.5 +5.4%Net income21.2 −60.6%EPS, diluted3.60 −57.5%Fiscal year 2024Revenue572.8 −7.1%Net income77.0 +262.9%EPS, diluted13.14 +265.0%Fiscal year 2025Revenue564.2 −1.5%Net income89.2 +15.8%EPS, diluted16.21 +23.4%Fiscal year 2026Revenue585.2 +3.7%Net income34.6 −61.2%EPS, diluted6.88 −57.6%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Revenue 490.8 502.7 544.5 590.0 528.0 585.2 616.5 572.8 564.2 585.2
Growth +2.4% +8.3% +8.4% −10.5% +10.8% +5.4% −7.1% −1.5% +3.7%
Net income 73.6 53.7 37.2 28.2 88.3 53.9 21.2 77.0 89.2 34.6
Growth −27.1% −30.6% −24.4% +213.5% −38.9% −60.6% +262.9% +15.8% −61.2%
EPS, diluted 8.38 5.99 4.05 3.54 13.23 8.47 3.60 13.14 16.21 6.88
Growth −28.5% −32.4% −12.6% +273.7% −36.0% −57.5% +265.0% +23.4% −57.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2017Net margin15.0%Free cash flow margin43.3%Fiscal year 2018Net margin10.7%Free cash flow margin41.5%Fiscal year 2019Net margin6.8%Free cash flow margin43.1%Fiscal year 2020Net margin4.8%Free cash flow margin45.7%Fiscal year 2021Net margin16.7%Free cash flow margin40.8%Fiscal year 2022Net margin9.2%Free cash flow margin45.5%Fiscal year 2023Net margin3.4%Free cash flow margin46.3%Fiscal year 2024Net margin13.5%Free cash flow margin45.4%Fiscal year 2025Net margin15.8%Free cash flow margin44.4%Fiscal year 2026Net margin5.9%Free cash flow margin43.7%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Net margin 15.0% 10.7% 6.8% 4.8% 16.7% 9.2% 3.4% 13.5% 15.8% 5.9%
Free cash flow margin 43.3% 41.5% 43.1% 45.7% 40.8% 45.5% 46.3% 45.4% 44.4% 43.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow219.4Capital expenditure−6.8Free cash flow212.5Buybacks−5.0Fiscal year 2018Operating cash flow218.0Capital expenditure−9.2Free cash flow208.9 −1.7%Buybacks−4.6Fiscal year 2019Operating cash flow244.7Capital expenditure−9.8Free cash flow234.9 +12.5%Buybacks−74.5Fiscal year 2020Operating cash flow281.0Capital expenditure−11.3Free cash flow269.7 +14.8%Buybacks−197.4Fiscal year 2021Operating cash flow227.0Capital expenditure−11.7Free cash flow215.3 −20.2%Buybacks−102.5Fiscal year 2022Operating cash flow272.4Capital expenditure−6.1Free cash flow266.4 +23.7%Buybacks−111.1Fiscal year 2023Operating cash flow291.6Capital expenditure−5.8Free cash flow285.7 +7.3%Buybacks−14.3Fiscal year 2024Operating cash flow265.8Capital expenditure−5.9Free cash flow259.9 −9.1%Buybacks−36.2Fiscal year 2025Operating cash flow254.2Capital expenditure−3.7Free cash flow250.5 −3.6%Buybacks−54.2Fiscal year 2026Operating cash flow259.4Capital expenditure−3.9Free cash flow255.5 +2.0%Buybacks−132.4
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Operating cash flow 219.4 218.0 244.7 281.0 227.0 272.4 291.6 265.8 254.2 259.4
Capital expenditure −6.8 −9.2 −9.8 −11.3 −11.7 −6.1 −5.8 −5.9 −3.7 −3.9
Free cash flow 212.5 208.9 234.9 269.7 215.3 266.4 285.7 259.9 250.5 255.5
Growth −1.7% +12.5% +14.8% −20.2% +23.7% +7.3% −9.1% −3.6% +2.0%
Buybacks −5.0 −4.6 −74.5 −197.4 −102.5 −111.1 −14.3 −36.2 −54.2 −132.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2017Cash11.6Total debt295.1Net cash (debt)−283.6Shareholders’ equity461.1Debt to equity0.64Fiscal year 2018Cash12.5Total debt244.9Net cash (debt)−232.4Shareholders’ equity541.1Debt to equity0.45Fiscal year 2019Cash9.3Total debt251.9Net cash (debt)−242.6Shareholders’ equity552.1Debt to equity0.46Fiscal year 2020Cash11.6Total debt451.1Net cash (debt)−439.5Shareholders’ equity412.0Debt to equity1.10Fiscal year 2021Cash15.7Total debt405.0Net cash (debt)−389.3Shareholders’ equity404.9Debt to equity1.00Fiscal year 2022Cash19.2Total debt697.0Net cash (debt)−677.7Shareholders’ equity373.0Debt to equity1.87Fiscal year 2023Cash16.5Total debt598.8Net cash (debt)−582.3Shareholders’ equity383.5Debt to equity1.56Fiscal year 2024Cash5.2Total debt498.4Net cash (debt)−493.2Shareholders’ equity422.4Debt to equity1.18Fiscal year 2025Cash4.7Total debt447.9Net cash (debt)−443.1Shareholders’ equity437.0Debt to equity1.02Fiscal year 2026Cash6.1Total debt587.2Net cash (debt)−581.2Shareholders’ equity351.0Debt to equity1.67
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Cash 11.6 12.5 9.3 11.6 15.7 19.2 16.5 5.2 4.7 6.1
Total debt 295.1 244.9 251.9 451.1 405.0 697.0 598.8 498.4 447.9 587.2
Net cash (debt) −283.6 −232.4 −242.6 −439.5 −389.3 −677.7 −582.3 −493.2 −443.1 −581.2
Shareholders’ equity 461.1 541.1 552.1 412.0 404.9 373.0 383.5 422.4 437.0 351.0
Debt to equity 0.64 0.45 0.46 1.10 1.00 1.87 1.56 1.18 1.02 1.67

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2026 · 10-K

Balance sheet

In millions of USD, except per-share figures; shares in millions. Fiscal years ending March, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 31 Mar 2017 FY2018 31 Mar 2018 FY2019 31 Mar 2019 FY2020 31 Mar 2020 FY2021 31 Mar 2021 FY2022 31 Mar 2022 FY2023 31 Mar 2023 FY2024 31 Mar 2024 FY2025 31 Mar 2025 FY2026 31 Mar 2026
Assets
11.6 12.5 9.3 11.6 15.7 19.2 16.5 5.2 4.7 6.1
24.2 22.8 25.4 24.8 25.3 24.5 23.9 22.9 19.8 17.4
6.1 7.0 7.0 7.4 7.4 7.4 7.4 7.4 7.4 7.4
800.6 841.0 855.0 1,030.1 954.3 1,218.3 1,117.3 1,056.4 1,008.5 1,054.1
Growth +5.0% +1.7% +20.5% −7.4% +27.7% −8.3% −5.5% −4.5% +4.5%
Liabilities
295.1 244.9 251.9 451.1 405.0 697.0 598.8 498.4 447.9 587.2
calc 295.1 244.9 251.9 451.1 405.0 697.0 598.8 498.4 447.9 587.2
339.5 299.9 302.9 618.1 549.3 845.3 732.1 631.9 571.5 703.1
Equity
344.6 391.3 354.0 184.7 149.3 92.1 97.2 138.0 170.6 71.6
461.1 541.1 552.1 412.0 404.9 373.0 383.5 422.4 437.0 351.0
Growth +17.4% +2.0% −25.4% −1.7% −7.9% +2.8% +10.1% +3.4% −19.7%
Per share and net cash
calc −283.6 −232.4 −242.6 −439.5 −389.3 −677.7 −582.3 −493.2 −443.1 −581.2
8.8 9.1 9.3 7.8 6.8 6.3 6.2 5.9 5.4 4.7
calc 52.50 59.34 59.47 52.76 59.50 58.76 61.55 71.13 81.32 75.38

Lines marked calc are worked out here from filed figures; point at one for how.