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WORLD ACCEPTANCE CORP WRLD

Nasdaq · stock · Personal Credit Institutions · website · IPO 1991-11-26 · LEI

WORLD ACCEPTANCE CORP statistics & valuation

Market cap$802.8M
P / E23.2×
P / S1.4×
P / B2.3×
P / FCF3.1×
Net margin5.9%
Return on equity9.9%
FCF margin43.7%
Net debt$581.2M
Enterprise value USD$1.4B
Graham number -45.2%$103.98

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($103.98); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
15.00% 10.70% 6.80% 4.80% 16.70% 9.20% 3.40% 13.50% 15.80% 5.90% 2017201820192020202120222023202420252026
Gross margin (%)
2017201820192020202120222023202420252026
Operating margin (%)
2017201820192020202120222023202420252026
Return on equity (%)
16.00% 9.90% 6.70% 6.80% 21.80% 14.50% 5.50% 18.20% 20.40% 9.90% 2017201820192020202120222023202420252026
Shares outstanding
8.8M 9.1M 9.3M 8.0M 6.8M 6.4M 6.2M 5.9M 5.5M 5.0M 2017201820192020202120222023202420252026
Net debt ($)
$283.6M $232.4M $242.6M $439.5M $389.3M $677.7M $582.3M $493.2M $443.1M $581.2M 2017201820192020202120222023202420252026
Share buybacks ($)
2017201820192020202120222023202420252026
Return on assets (%)
9.20% 6.40% 4.40% 2.70% 9.30% 4.40% 1.90% 7.30% 8.80% 3.30% 2017201820192020202120222023202420252026
Free cash flow margin (%)
43.30% 41.50% 43.10% 45.70% 40.80% 45.50% 46.30% 45.40% 44.40% 43.70% 2017201820192020202120222023202420252026
Debt / equity (×)
0.64× 0.45× 0.46× 1.10× 1.00× 1.87× 1.56× 1.18× 1.02× 1.67× 2017201820192020202120222023202420252026
EPS ($)
$8.38 $5.99 $4.05 $3.54 $13.23 $8.47 $3.60 $13.14 $16.21 $6.88 2017201820192020202120222023202420252026

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

WORLD ACCEPTANCE CORP trades at about 27.6× earnings — above its 10-year norm (10-year range 6.3×–32.1×, median 19.2×).

6.3× 32.1×

Shaded band = 10-year range (6.3×–32.1×); dot = today's 27.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Net margin5.9%15.8%13.5%3.4%9.2%16.7%4.8%6.8%10.7%15.0%
FCF margin43.7%44.4%45.4%46.3%45.5%40.8%45.7%43.1%41.5%43.3%
Return on assets3.3%8.8%7.3%1.9%4.4%9.3%2.7%4.4%6.4%9.2%
Return on equity9.9%20.4%18.2%5.5%14.5%21.8%6.8%6.7%9.9%16.0%
Debt / equity1.67×1.02×1.18×1.56×1.87×1.00×1.10×0.46×0.45×0.64×

Computed from company filings · US · as of 2026-03-31. Facts plus Stocktoria's own computed scores — not investment advice.