World Acceptance (WRLD) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

World Acceptance

NasdaqGS•Financial Services•Credit Services

$190.54-1.14(-0.01%)Market closed

Market Cap

$818.23M

P/E

20.8x

P/S

1.4x

P/B

2.3x

World Acceptance Corporation engages in consumer finance business in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides income tax return preparation and electronic filing services; and automobile club memberships to borrowers. The company 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.

How this company scores

WeakMetricSide Score: 48/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (21/25); weakest: Balance Sheet & Red Flags (6/25).

Profitability10/25

Growth11/25

Balance Sheet & Red Flags6/25

Cash & Earnings Quality21/25

Strengths

Cash-backed earningsConsistent free cash flowConsistent growthNo share dilution

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 20.8x5y range 7.5x – 35.3x

Currently above its 20-quarter median.

P/S · 1.4x5y range 0.6x – 2.6x

Currently near its 20-quarter median.

P/B · 2.3x5y range 1.1x – 3.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 56.1% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Leverage Risk

Watch

Debt-to-equity has risen 43.2% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $818.23M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $591.92M
Q. Revenue: $139.21M
TTM EBITDA: $60.05M
TTM Op. Income: $51.19M
Q. Op. Income: $7.90M
TTM Net Income: $39.35M
Q. Net Income: $6.11M
EPS: $1.36
Shares Out.: $4.49M

$591.92M in TTM revenue grew 4.3% YoY, reaching $139.21M last quarter. TTM EBITDA of $60.05M and TTM operating income of $51.19M show growth is flowing through to the bottom line. TTM net income of $39.35M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 7.3%
Op. Margin: 5.7%
Net Margin: 4.4%

Op. margin of 5.7% is up 4.2% YoY — cost efficiency is improving. Net margin at 4.4% Over the past year, operating margin is up 286% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 20.8x
P/S Ratio: 1.4x
P/B Ratio: 2.3x

At 20.8x P/E, the stock trades within typical market levels. P/S of 1.4x and P/B of 2.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 5 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.08B
Cash: $10.42M
Long-Term Debt: $572.83M
Book Value: $362.18M
D/E Ratio: 1.6
Debt/EBITDA: 56.7

With $1.08B in assets and $572.83M in long-term debt, D/E is 1.6and book value is $362.18M — moderate leverage. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $64.37M
TTM Free Cash Flow: $261.46M
FCF Margin: 44.2%
FCF / Net Income: 6.6

TTM FCF of $261.46M on $64.37M in operating cash flow. The FCF / Net Income ratio of 6.6x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.