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%-9.9pp	7.4%-7.1pp	9.9%-5.1pp	14.2%+0.4pp	15.8%+2.3pp
EBITDA margin	17.7%-11.4pp	19.4%-8.4pp	22.2%-6.0pp	26.9%+0.1pp	29.1%+2.7pp
Free cash flow margin	43.7%-0.7pp	44%+0.6pp	44.8%+1.8pp	45.9%+1.7pp	44.4%-0.9pp
Returns
Return on equity	8.8%-12.0pp	10.9%-8.6pp	14.5%-5.9pp	19%-0.1pp	20.8%+1.6pp
Return on assets	3.4%-5.3pp	3.8%-3.5pp	5.4%-2.5pp	7.8%+0.6pp	8.6%+1.5pp
Return on invested capital	15.6%-8.9pp	17.5%-5.8pp	20.4%-3.9pp	23.2%-0.4pp	24.4%+0.4pp
Efficiency
Asset turnover	0.6×0.0×	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×+0.2×	0.6×+0.1×	0.5×0.0×	0.5×0.0×	0.5×-0.1×
Interest coverage	1.9×-1.7×	2.1×-1.3×	2.5×-0.9×	3.4×+0.2×	3.6×+0.6×
Per Share
Book value per share	$69.84-12.0%	$73.88-5.7%	$71.80-4.6%	$80.90+6.6%	$79.35+10.1%
Valuation
Market capitalization	$903.75M+8.4%	$707.3M+9.4%	$921.1M+40.2%	$845.77M+19.1%	$727.24M-10.4%
Enterprise value	$971.64M+7.1%	$771.99M+7.6%	$981.72M+34.5%	$914.73M+16.9%	$801.22M-9.8%
Price / earnings	26.1×+16.8×	16.7×+8.7×	16.3×+8.5×	10.5×+1.4×	8.1×-2.3×
Price / sales	1.5×+0.1×	1.2×+0.1×	1.6×+0.4×	1.5×+0.2×	1.3×-0.1×
Price / book	2.6×+0.7×	2×+0.5×	2.5×+0.9×	2×+0.3×	1.7×-0.3×
EV / EBITDA	9.4×+3.8×	7×+2.3×	7.7×+3.1×	6×+0.8×	4.9×-1.0×
EV / sales	1.7×+0.1×	1.3×+0.1×	1.7×+0.4×	1.6×+0.2×	1.4×-0.1×
Free cash flow yield	28.3%-1.8pp	35.6%-1.9pp	27.7%-8.8pp	30.8%-4.3pp	34.4%+2.4pp
Earnings yield	3.8%-6.9pp	6%-6.6pp	6.2%-6.7pp	9.5%-1.4pp	12.3%+2.7pp

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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.