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World Acceptance

WRLD

World Acceptance Corp is a leading small-loan consumer finance company that provides short-term and medium-term installment loans to individuals with limited access to traditional credit sources.

Market cap
$908.71M+5.7%
Revenue$591.6M+4.3%
Net income$39.1M-51.5%
EPS (diluted)$8.31-43.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$140.7M
EPS estimate$0.79

Financials

Q1 2027

Income statement

See full
Revenue$139.2M+4.8%
Net income$6.1M+285%
EPS (diluted)$1.33+343%

Balance sheet

See full
Cash & equivalents$10.4M+28.2%
Total debt$75.2M-2.4%
Total equity$362.2M-15.3%
Total assets$1.1B+5.4%

Valuation & ratios

Valuation

See full
Market cap$908.71M+5.7%
Enterprise value$973.53M+2.2%
P/E23.2×+12.3×
P/S1.5×0.0×

Profitability

See full
Net margin6.6%-7.6pp

Returns & leverage

See full
Return on equity9.9%-9.1pp
Debt / equity0.2×0.0×

Competitors

Profile

World Acceptance Corp is a leading small-loan consumer finance company that provides short-term and medium-term installment loans to individuals with limited access to traditional credit sources. The company operates a large network of neighborhood branches across multiple states, emphasizing personal relationships and local community presence to manage credit risk. Beyond lending, the company offers ancillary services including credit insurance, automobile club memberships, and income tax preparation.

Competitive position

One of the nation's largest small-loan consumer finance companies with a competitive advantage in capital access due to its relative size in a fragmented market.

GeographiesUnited States, Alabama, Georgia, Illinois, Texas, South Carolina
Customer segmentsSubprime consumers, Underbanked individuals
Business modelBrick-and-mortar retail lending, Commission-based agency, Reinsurance
SuppliersCapital markets and debt financing, Credit reporting bureaus, Third-party insurance underwriters, Software and technology providers
CustomersSubprime retail consumers, Tax preparation clients
Listed1991
Employees2.9K
CEOJanet Lewis Matricciani
FilingsSEC EDGAR

Questions, answered.

What is World Acceptance's market cap?
World Acceptance (WRLD) has a market capitalization of $908.7M and trades on NASDAQ.
What is World Acceptance's revenue and profitability?
World Acceptance generated $591.6M in trailing twelve-month revenue with net income of $39.1M, representing a net margin of 6.6%. These figures are based on the Q2 2026 filing.
Who are World Acceptance's competitors?
World Acceptance's key competitors include Regional Management Corp., Enova International, OneMain Financial, and others. These companies compete in similar markets and product categories.
What subsidiaries does World Acceptance have?
World Acceptance's subsidiaries include World Acceptance Corp Captive Insurance Subsidiary.
Where is World Acceptance headquartered?
World Acceptance is headquartered in United States of America and employs approximately 2,872 people. It has been publicly traded since 1991.