Where do World Acceptance's ratios come from?

Every ratio is computed from World Acceptance's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

World Acceptance WRLD Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q4 '26	Q3 '26	Q2 '26	Q1 '26	Q4 '25
Profitability
Net margin	5.9%-1.5pp	7.4%-2.5pp	9.9%-4.3pp	14.2%-1.6pp	15.8%+1.3pp
EBITDA margin	17.7%-1.6pp	19.4%-2.9pp	22.2%-4.7pp	26.9%-2.2pp	29.1%+1.4pp
Free cash flow margin	43.7%-0.3pp	44%-0.8pp	44.8%-1.1pp	45.9%+1.5pp	44.4%+1.0pp
Returns
Return on equity	8.8%-2.1pp	10.9%-3.6pp	14.5%-4.5pp	19%-1.8pp	20.8%+1.3pp
Return on assets	3.4%-0.4pp	3.8%-1.6pp	5.4%-2.4pp	7.8%-0.9pp	8.6%+1.4pp
Return on invested capital	15.6%-1.9pp	17.5%-3.0pp	20.4%-2.7pp	23.2%-1.3pp	24.4%+1.2pp
Efficiency
Asset turnover	0.6×+0.1×	0.5×0.0×	0.5×0.0×	0.5×0.0×	0.5×0.0×
Leverage
Debt-to-equity	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×
Debt-to-assets	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Net debt / EBITDA	0.7×+0.1×	0.6×+0.1×	0.5×0.0×	0.5×0.0×	0.5×0.0×
Interest coverage	1.9×-0.2×	2.1×-0.4×	2.5×-0.8×	3.4×-0.2×	3.6×+0.2×
Per Share
Book value per share	$69.84-5.5%	$73.88+2.9%	$71.80-11.3%	$80.90+2.0%	$79.35+1.3%
Valuation
Market capitalization	$903.75M+12.4%	$707.3M-23.2%	$921.1M+8.9%	$845.77M+16.3%	$727.24M+12.5%
Enterprise value	$971.64M+10.7%	$771.99M-21.4%	$981.72M+7.3%	$914.73M+14.2%	$801.22M+11.7%
Price / earnings	26.1×+17.1×	16.7×+0.4×	16.3×+5.8×	10.5×+2.3×	8.1×+0.2×
Price / sales	1.5×+0.1×	1.2×-0.4×	1.6×+0.1×	1.5×+0.2×	1.3×+0.1×
Price / book	2.7×+0.8×	2×-0.5×	2.5×+0.5×	2×+0.3×	1.7×+0.2×
EV / EBITDA	9.7×+4.2×	7×-0.8×	7.7×+1.8×	6×+1.1×	4.9×+0.3×
EV / sales	1.7×+0.1×	1.3×-0.4×	1.7×+0.1×	1.6×+0.2×	1.4×+0.1×
Free cash flow yield	27.3%-2.8pp	35.6%+7.9pp	27.7%-3.1pp	30.8%-3.7pp	34.4%-3.1pp
Earnings yield	3.7%-7.0pp	6%-0.2pp	6.2%-3.4pp	9.5%-2.7pp	12.3%-0.3pp

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Where do World Acceptance's ratios come from?: Every ratio is computed from World Acceptance's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.