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WORLD ACCEPTANCE CORP

WRLD

$190.06 ▼ -2.72 (-1.41%) at close

17 Visible periods

26 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bearish

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Analytical Summary

WORLD ACCEPTANCE CORP faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $939.1M

Dividend Yield —

Revenue Growth 3.6% ↗

Op. Margin —

ROIC —

FCF / Share $51.70 ↗

Trailing P/E 27.2x

Price / Book 2.5x

FCF Yield 27.2%

Debt / Equity 1.67

info Valuation on last close. End-of-day price, Aug 6, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$585.17M

↑ +3.6% —

Net Income Profit after all expenses

$34.59M

↓ -61.5% —

FCF / Share Free cash flow per share

$51.70

↑ +12.0% —

Long-Term Debt Long-term obligations

$587.23M

↑ +31.1% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2012 10-K ↗	FY 2012 Mar 31, 2011 10-K ↗	FY 2011 Mar 31, 2010 10-K ↗	FY 2010 Mar 31, 2009 10-K ↗
Revenue Growth YoY (%)	3.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-40%)	-1.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-124%)	-7.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-217%)	5.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	10.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+80%)	-10.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-282%)	8.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	8.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	-5.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-191%)	-4.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-177%)	-8.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-244%)	4.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	8.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+34%)	9.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+65%)	11.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+92%)	—	—
EPS Growth YoY (%)	-57.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	264.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-58.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-34.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	271.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.6% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-32.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-27.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	50.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	19.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	17.2% Good Good Year-over-year change in earnings per share Optimal: > 10%	27.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-61.5% Weak ↓ Weak Declining Year-over-year change in net income	16.0% Good ↓ Good Declining Year-over-year change in net income	264.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-60.6% Weak ↓ Weak Declining Year-over-year change in net income	-38.9% Weak ↓ Weak Declining Year-over-year change in net income	213.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-24.4% Weak → Weak Stable Year-over-year change in net income	-30.6% Weak ↓ Weak Declining Year-over-year change in net income	-27.1% Weak ↓ Weak Declining Year-over-year change in net income	-15.8% Weak ↓ Weak Declining Year-over-year change in net income	-21.1% Weak ↓ Weak Declining Year-over-year change in net income	6.5% Fair ↓ Fair Declining Year-over-year change in net income	3.4% Caution ↓ Caution Declining Year-over-year change in net income	10.4% Fair Fair Year-over-year change in net income	23.9% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%)	12.0% Fair ↑ Fair Improving Year-over-year change in free cash flow	2.1% Caution ↓ Caution Declining Year-over-year change in free cash flow	-9.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	9.6% Fair ↓ Fair Declining Year-over-year change in free cash flow	43.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-1.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	22.6% Good ↑ Good Improving Year-over-year change in free cash flow	9.9% Fair ↑ Fair Improving Year-over-year change in free cash flow	-2.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	6.8% Fair ↓ Fair Declining Year-over-year change in free cash flow	-10.4% Weak ↓ Weak Declining Year-over-year change in free cash flow	46.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	22.0% Good ↑ Good Improving Year-over-year change in free cash flow	16.7% Good Good Year-over-year change in free cash flow	11.7% Fair Fair Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	-1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	3.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-6.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	7.5% Fair Fair Compound annual revenue growth over 3 years	9.8% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.2% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-1.2% Weak → Weak Stable Compound annual revenue growth over 5 years	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.6% Caution Caution Compound annual revenue growth over 5 years	4.8% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	23.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	23.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-0.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	29.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	30.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-24.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-25.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-20.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	28.1% Excellent Excellent Compound annual EPS growth over 3 years	21.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2012 10-K ↗	FY 2012 Mar 31, 2011 10-K ↗	FY 2011 Mar 31, 2010 10-K ↗	FY 2010 Mar 31, 2009 10-K ↗
Effective Tax Rate (%) (%)	23.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	97.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	5.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	15.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	3.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	9.3% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	16.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	4.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	6.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	10.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	13.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	15.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	18.2% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	17.8% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	18.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	18.6% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	16.7% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—
FCF Margin (%) (%)	43.7% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	44.3% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	45.3% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	46.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	47.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	39.1% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	41.7% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	43.1% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	41.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	40.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	35.4% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	38.2% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	38.6% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	39.3% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	39.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	40.5% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	7.39x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.79x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	3.36x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	13.46x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	5.11x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.33x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	8.74x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	6.31x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	3.89x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.89x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.26x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.10x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	2.16x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	2.11x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.12x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.42x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 1 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2012 10-K ↗	FY 2012 Mar 31, 2011 10-K ↗	FY 2011 Mar 31, 2010 10-K ↗	FY 2010 Mar 31, 2009 10-K ↗
Return on Common Equity (%) (%)	9.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	20.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+70%)	18.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+52%)	5.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	14.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+20%)	21.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+82%)	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	9.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	16.0% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+33%)	22.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+86%)	35.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+193%)	28.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+137%)	24.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+100%)	20.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+72%)	19.2% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+60%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2012 10-K ↗	FY 2012 Mar 31, 2011 10-K ↗	FY 2011 Mar 31, 2010 10-K ↗	FY 2010 Mar 31, 2009 10-K ↗
Debt to Equity (x)	1.67x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+39%)	1.02x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-15%)	1.17x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.55x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+30%)	1.87x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+56%)	—	1.10x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-9%)	0.46x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	—	0.64x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	0.96x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-20%)	1.59x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+32%)	1.38x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+15%)	0.67x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	—	—	—
Net Debt (USD)	$581.16M	$438.13M	$486.58M	$582.26M	$677.74M	$-15.75M	$439.48M	$242.60M	$-12.47M	$279.94M	$362.31M	$462.81M	$493.87M	$268.48M	$-8.03M	$-5.45M	$-6.26M

📊 What does each share earn? 6 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2012 10-K ↗	FY 2012 Mar 31, 2011 10-K ↗	FY 2011 Mar 31, 2010 10-K ↗	FY 2010 Mar 31, 2009 10-K ↗
Revenue per Share (USD)	$118.42	$104.11	$99.71	$107.23	$95.91	$80.93	$76.74	$60.54	$57.18	$61.08	$64.55	$66.72	$45.11	$36.24	$31.04	$27.03	—
Basic EPS, GAAP (USD)	$7.00	$16.54	$13.45	$3.69	$8.88	$13.59	$3.66	$4.14	$6.11	$8.45	$10.12	$12.12	$8.04	$6.75	$5.76	$4.52	—
Free Cash Flow per Share (USD)	$51.70	$46.17	$45.20	$49.70	$45.36	$31.66	$32.01	$26.11	$23.76	$24.42	$22.86	$25.51	$17.40	$14.26	$12.22	$10.94	—
Book Value per Share (USD)	$75.38	$81.78	$71.47	$61.82	$58.76	$59.50	$52.76	$59.47	$59.34	$52.50	$44.21	$35.18	$30.10	$30.14	$28.17	$23.49	—
Tangible Book Value per Share (USD)	$72.89	$79.03	$68.36	$58.19	$54.49	$54.96	$48.69	$57.06	$57.84	$51.05	$43.19	$34.12	$29.24	$29.33	$27.41	$23.49	—
Basic Weighted Avg Shares (shares)	4.94M	5.43M	5.75M	5.75M	6.07M	6.49M	7.69M	8.99M	8.79M	8.71M	8.64M	9.15M	12.94M	14.91M	15.83M	16.30M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2012 10-K ↗	FY 2012 Mar 31, 2011 10-K ↗	FY 2011 Mar 31, 2010 10-K ↗	FY 2010 Mar 31, 2009 10-K ↗
LT Debt (USD)	$587.23M	$447.86M	$498.42M	$598.77M	$696.97M	—	$451.10M	$251.94M	—	$295.14M	$374.69M	$501.15M	$505.50M	$279.25M	—	—	—
Total Equity (USD)	$351.01M	$439.48M	$424.43M	$385.23M	$373.02M	$404.93M	$411.96M	$552.12M	$541.11M	$461.06M	$391.90M	$315.57M	$366.40M	$418.88M	$442.58M	$382.95M	$296.33M

📋 What is driving earnings? 4 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 10-K ↗	FY 2023 Mar 31, 2023 10-K ↗	FY 2022 Mar 31, 2022 10-K ↗	FY 2021 Mar 31, 2021 10-K ↗	FY 2020 Mar 31, 2020 10-K ↗	FY 2019 Mar 31, 2019 10-K ↗	FY 2018 Mar 31, 2018 10-K ↗	FY 2017 Mar 31, 2017 10-K ↗	FY 2016 Mar 31, 2016 10-K ↗	FY 2015 Mar 31, 2015 10-K ↗	FY 2014 Mar 31, 2014 10-K ↗	FY 2013 Mar 31, 2012 10-K ↗	FY 2012 Mar 31, 2011 10-K ↗	FY 2011 Mar 31, 2010 10-K ↗	FY 2010 Mar 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$585.17M	$564.84M	$573.21M	$616.55M	$582.39M	$525.53M	$590.03M	$544.54M	$502.67M	$531.73M	$557.48M	$610.21M	$583.72M	$540.16M	$491.45M	$440.64M	—
Depreciation Expense (USD)	$5.80M	$6.33M	$6.67M	$6.24M	$6.25M	$6.54M	$7.15M	$6.61M	$7.34M	$6.92M	$6.50M	$6.54M	$6.44M	$6.49M	$6.17M	$5.77M	—
Net Income, GAAP (USD)	$34.59M	$89.74M	$77.35M	$21.23M	$53.92M	$88.28M	$28.16M	$37.24M	$53.69M	$73.60M	$87.40M	$110.83M	$104.09M	$100.69M	$91.25M	$73.66M	—
Operating Cash Flow (USD)	$259.36M	$254.16M	$265.78M	$291.55M	$281.48M	$217.26M	$257.41M	$244.66M	$218.03M	$219.36M	$206.07M	$241.93M	$232.04M	$219.40M	$199.84M	$183.61M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 63 quarters

WORLD ACCEPTANCE CORP

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17-Year Financial Trajectory

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