World Acceptance Corporation (WRLD)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 590 | 528 | 585 | 617 | 573 | 565 | 585 | 592 |
| Operating profit | $m | 45 | 51 | ||||||
| Net profit | $m | 28 | 88 | 54 | 21 | 77 | 90 | 35 | 39 |
| EPS reported | $ | 6.88 | 8.46 | ||||||
| Operating cashflow per share | $ | 51.60 | 14,095 | ||||||
| Capex per share | $ | 0.77 | 278.8 | ||||||
| FCF per share | $ | 50.83 | 13,816 | ||||||
| Free cash flow | $m | 255 | 260 | ||||||
| Net debt | $m | 581 | 562 | ||||||
| Book value equity | $m | 351 | 362 | ||||||
| Book value per share | $ | 69.84 | 79.06 | ||||||
| Number of shares | m | 5.03 | 4.58 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.05 | 20.26 | ||||||
| P/B LTM | x | 1.93 | 1.92 | ||||||
| P/S LTM | x | 1.31 | 1.18 | ||||||
| P/FCF LTM | x | 2.66 | 2.68 | ||||||
| EV/EBITDA LTM | x | 14.48 | 20.28 | ||||||
| EV/Sales LTM | x | 2.18 | 2.56 | ||||||
| Earnings Yield LTM | % | +6.29% | +4.94% | ||||||
| FCF Yield | % | +37.64% | +37.35% | ||||||
| Quality | |||||||||
| ROE | % | +9.85% | +11.00% | ||||||
| ROIC | % | +3.40% | +7.74% | ||||||
| Operating margin | % | +7.73% | +17.48% | ||||||
| Gross margin | % | +59.32% | +71.97% | ||||||
| FCF/Sales | % | +43.66% | +10692.8% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -57.79% | -35.86% | ||||||
| Sales Growth YoY | % | +3.60% | +3.26% | ||||||
| Net Income Growth YoY | % | -61.46% | -49.13% | ||||||
| FCF Growth | % | +1.99% | +0.16% | ||||||
| Operating Profit Growth | % | -71.46% | -48.50% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.39 | 0.40 | ||||||
| Net Debt/EBITDA | x | 12.08 | 5.79 | ||||||
| EBIT/Net interest | x | 0.92 | 2.02 | ||||||
| Net debt/market cap | % | +86.52% | +65.47% | ||||||
| Net debt/Equity | x | 1.66 | 1.55 | ||||||
| Gross debt/equity | x | 1.88 | 1.79 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
World Acceptance Corporation (WRLD)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.
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