Is World Acceptance (WRLD) overvalued or fairly valued?

MarketChacha shows World Acceptance's valuation in context — a trailing P/E of about 20.0, a forward P/E of about 11.1, a price-to-book of about 2.1 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does World Acceptance's reported profit turn into cash?

Over 4 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (4.82×) from reported figures — education, not a rating.

What is World Acceptance's revenue?

World Acceptance reported revenue of $585.2M for FY2026, with net profit of $34.6M, per official filings.

What is the share price of World Acceptance (WRLD)?

World Acceptance last traded at $165.89 (-1.4% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

World Acceptance

WRLD · NYSE · Financials · United States

Snapshot

TickerWRLD

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees2,907

HeadquartersGreenville, United States

Websitewww.loansbyworld.com

Filings tracked21

About World Acceptance

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.

Who owns it

Insiders18.1%
Institutions81.9%
Public & other0.0%

271 institutional holders

Ownership breakdown from public market data.

Top holders

Prescott General Partners LLC32.45%
Blackrock Inc.9.60%
Dimensional Fund Advisors LP4.78%
AQR Capital Management, LLC4.32%
Jacobs Levy Equity Management, Inc.2.43%
Vanguard Capital Management LLC2.39%
State Street Corporation2.28%
JPMORGAN CHASE & CO2.09%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion4.82×

Over 4 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend3.4% → 5.9%

Margin has expanded by about 2.5 points — the business is getting more profitable.

Growth qualityrev -2% · PAT 18%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $149.7M · EPS 0.97

Est. earnings growth +610.5%

Next fiscal year

Rev $654.9M · EPS 15.14

Est. earnings growth +14.9%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2026)

$585.2M

Net margin

5.9%

ROE

9.9%

Revenue CAGR (3y)

-1.7%

Profit CAGR (3y)

+17.7%

EPS (FY2026)

6.88

Net profit (FY2026)

$34.6M

Ask MarketChacha about WRLD

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2026	$585.2M	$34.6M	6.88	5.9%	9.9%
FY2025	$564.2M	$89.2M	16.21	15.8%	20.4%
FY2024	$572.8M	$77.0M	13.14	13.5%	18.2%
FY2023	$616.5M	$21.2M	3.60	3.4%	5.5%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$139.2M	$6.1M	1.33	4.4%
2026Q1	$175.9M	$35.3M	7.44	20.1%
2025Q4	$141.6M	$-625,000	-0.13	-0.4%
2025Q3	$134.8M	$-1.7M	-0.33	-1.2%
2025Q2	$132.8M	$1.6M	0.30	1.2%
2025Q1	$163.7M	$43.1M	7.91	26.3%
2024Q4	$139.0M	$13.6M	2.49	9.8%
2024Q3	$131.7M	$22.4M	4.03	17.0%
2024Q2	$129.8M	$10.2M	1.82	7.8%
2024Q1	$159.3M	$35.1M	6.09	22.0%
2023Q4	$137.8M	$16.7M	2.84	12.1%
2023Q3	$136.9M	$16.1M	2.71	11.7%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Shareholder vote results
SEC8/19/2026material
8-K — Other events
SEC8/13/2026material
10-Q filing
SEC8/6/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/24/2026material
8-K — Material agreement, Material financial obligation, Exhibits
SEC7/1/2026material
10-K/A filing
SEC6/5/2026
8-K — Executive/director change
SEC6/4/2026material
10-K filing
SEC6/4/2026
8-K — Material agreement
SEC5/26/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/30/2026material
8-K — Executive/director change, Other events, Exhibits
SEC4/15/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC2/17/2026material
8-K — Other events
SEC2/11/2026material
10-Q filing
SEC2/9/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/27/2026material

2025

8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC12/4/2025material
10-Q filing
SEC11/6/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/23/2025material
8-K — Material agreement
SEC10/3/2025material
8-K — Executive/director change, Shareholder vote results, Exhibits
SEC8/22/2025material
10-Q filing
SEC8/6/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.