Flash FinanceUS
Pre-market S&P 5007,376.86+0.31% Nasdaq24,579.42+1.09% Dow 3051,285.73-0.46% Russell 20002,754.11+0.89% Nasdaq-10026,989.99+1.35% MidCap 4003,602.50+0.56% SmallCap 6001,673.98+0.05% VIX25.64-9.01% 10Y Yield4.86+0.45% Close of Nov 06, 2026

World Acceptance Corporation (WRLD)

Nasdaq Financials Consumer Finance S&P SmallCap 600
$149.08
-0.50 (-0.33%)
Close of Nov 06, 2026 · end-of-day data
Source: World Acceptance Corporation's 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 03, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Revenue$490.82M$502.67M$544.54M$590.03M$527.99M$585.19M$616.55M$572.81M$564.17M$585.17M
Interest expense$21.50M$19.09M$17.93M$25.90M$25.70M$33.42M$50.46M$48.23M$42.71M$49.44M
Pre-tax income$105.95M$49.09M$73.90M$34.91M$111.40M$65.58M$27.15M$99.00M$111.31M$45.24M
Income tax$38.16M$47.76M$15.98M$6.75M$23.12M$11.66M$5.91M$21.96M$22.07M$10.66M
Net income$73.60M$53.69M$37.24M$28.16M$88.28M$53.92M$21.23M$77.05M$89.24M$34.59M
EPS (basic)$8.45$6.11$4.14$3.66$13.59$8.88$3.69$13.40$16.45$7.00
EPS (diluted)$8.38$5.99$4.05$3.54$13.23$8.47$3.60$13.14$16.21$6.88
Diluted shares8.78M8.96M9.20M7.95M6.67M6.36M5.90M5.86M5.51M5.03M
Net margin15.0%10.7%6.8%4.8%16.7%9.2%3.4%13.5%15.8%5.9%

Balance sheet

fiscal years · USD
Fiscal yearFY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Cash & equivalents$11.58M$12.47M$9.34M$11.62M$15.75M$19.24M$16.51M$5.17M$4.71M$6.07M
Goodwill$6.07M$7.03M$7.03M$7.37M$7.37M$7.37M$7.37M$7.37M$7.37M$7.37M
Total assets$800.59M$840.99M$854.99M$1.03B$954.27M$1.22B$1.12B$1.06B$1.01B$1.05B
Long-term debt$295.14M$244.90M$251.94M$451.10M$405.01M$696.97M$598.77M$498.42M$447.86M$587.23M
Total debt$295.14M$244.90M$251.94M$451.10M$405.01M$696.97M$598.77M$498.42M$447.86M$587.23M
Total liabilities$339.53M$299.88M$302.87M$618.12M$549.34M$845.27M$732.09M$631.92M$571.50M$703.12M
Shareholders' equity$461.06M$541.11M$552.12M$411.96M$404.93M$373.02M$383.54M$422.44M$436.99M$351.01M

Cash flow

fiscal years · USD
Fiscal yearFY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Operating cash flow$219.36M$218.03M$244.66M$280.98M$226.95M$272.45M$291.55M$265.78M$254.16M$259.36M
Capital expenditures$6.81M$9.17M$9.81M$11.28M$11.68M$6.07M$5.83M$5.93M$3.68M$3.88M
Free cash flow$212.55M$208.85M$234.86M$269.70M$215.27M$266.38M$285.73M$259.85M$250.48M$255.48M
Investing cash flow-$131.61M-$169.81M-$206.97M-$279.09M-$82.00M-$451.89M-$180.58M-$135.14M-$152.75M-$232.88M
Financing cash flow-$84.15M-$31.46M-$63.12M$394.49K-$140.83M$182.93M-$113.70M-$135.32M-$103.52M-$6.83M
Share buybacks$5.00M$4.61M$74.52M$197.40M$102.45M$111.14M$14.31M$36.20M$54.20M$132.42M
Stock-based compensation$4.81M$5.43M$17.64M$28.95M$19.28M$17.58M$9.05M-$1.68M-$19.69M—
Depreciation & amortization$6.92M$7.34M$6.61M$6.80M$6.54M$6.25M$6.24M$6.67M$6.33M$5.80M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.