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World Acceptance (WRLD) Financials

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$124.86 +2.76 (+2.26%)
Closing price 04/17/2025 04:00 PM Eastern
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$124.84 -0.02 (-0.02%)
As of 04/17/2025 04:36 PM Eastern
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Annual Income Statements for World Acceptance

Annual Income Statements for World Acceptance

This table shows World Acceptance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 54 21 77
Consolidated Net Income / (Loss)		 54 21 77
Net Income / (Loss) Continuing Operations		 54 21 77
Total Pre-Tax Income 		66 27 99
Total Revenue		 552 566 525
Net Interest Income / (Expense)		 452 458 420
Total Interest Income		 486 508 469
Loans and Leases Interest Income		 486 508 469
Total Interest Expense		 33 50 48
Long-Term Debt Interest Expense		 33 50 48
Total Non-Interest Income		 100 108 105
Provision for Credit Losses		 186 259 157
Total Non-Interest Expense		 300 279 269
Salaries and Employee Benefits		 183 178 164
Net Occupancy & Equipment Expense		 52 52 50
Marketing Expense		 18 6.10 9.93
Other Operating Expenses		 42 39 40
Amortization Expense		 5.01 4.47 4.22
Income Tax Expense		 12 5.91 22
Basic Earnings per Share		 $8.88 $3.69 $13.45
Weighted Average Basic Shares Outstanding		 6.07M 5.75M 5.75M
Diluted Earnings per Share		 $8.47 $3.60 $13.19
Weighted Average Diluted Shares Outstanding		 6.36M 5.90M 5.86M
Weighted Average Basic & Diluted Shares Outstanding		 6.28M 6.24M 5.84M

Quarterly Income Statements for World Acceptance

This table shows World Acceptance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q3 2025
Net Income / (Loss) Attributable to Common Shareholders		 7.33 18 -8.57 -0.64 5.80 25 9.54 16 17 35 13
Consolidated Net Income / (Loss)		 7.33 18 -8.57 -0.64 5.80 25 9.54 16 17 35 13
Net Income / (Loss) Continuing Operations		 7.33 18 -8.57 -0.64 5.80 25 9.54 16 17 35 13
Total Pre-Tax Income 		7.72 23 -11 -0.09 7.90 30 12 21 20 46 16
Total Revenue		 149 148 147 138 132 149 127 124 126 155 127
Net Interest Income / (Expense)		 0.00 237 119 117 112 109 104 104 107 108 111
Total Interest Income		 0.00 258 130 130 126 121 117 117 119 122 122
Loans and Leases Interest Income		 - - 130 130 126 121 117 117 119 122 122
Total Interest Expense		 0.00 21 11 13 14 12 12 13 12 14 11
Long-Term Debt Interest Expense		 - - 11 13 14 12 12 13 12 14 11
Total Non-Interest Income		 149 -89 28 21 20 39 23 20 19 47 16
Provision for Credit Losses		 - - 86 69 60 45 47 40 41 30 44
Total Non-Interest Expense		 141 11 72 70 65 73 68 63 66 78 67
Salaries and Employee Benefits		 44 47 45 45 41 47 42 38 40 49 41
Net Occupancy & Equipment Expense		 13 13 13 13 13 12 13 12 12 13 12
Marketing Expense		 6.85 2.40 2.21 1.01 1.32 1.55 2.75 2.24 3.72 2.31 4.45
Other Operating Expenses		 76 -53 9.90 8.79 8.88 12 9.89 8.78 9.16 13 8.47
Amortization Expense		 1.28 1.27 1.13 1.11 1.11 1.11 1.07 1.06 1.05 1.10 0.94
Income Tax Expense		 0.39 4.86 -2.16 0.55 2.10 5.43 2.82 4.84 2.85 11 2.62
Basic Earnings per Share		 $1.20 $3.08 ($1.49) ($0.11) $1.01 $4.28 $1.65 $2.78 $2.89 $5.96 $2.46
Weighted Average Basic Shares Outstanding		 6.12M 6.07M 5.74M 5.73M 5.76M 5.75M 5.77M 5.78M 5.77M 5.75M 5.44M
Diluted Earnings per Share		 $1.14 $2.95 ($1.49) ($0.11) $0.99 $4.21 $1.62 $2.71 $2.84 $5.85 $2.45
Weighted Average Diluted Shares Outstanding		 6.40M 6.36M 5.74M 5.73M 5.86M 5.90M 5.89M 5.94M 5.86M 5.86M 5.46M
Weighted Average Basic & Diluted Shares Outstanding		 6.55M 6.28M 6.28M 6.26M 6.23M 6.24M 5.85M 5.75M 6.08M 5.84M 5.75M

Annual Cash Flow Statements for World Acceptance

This table details how cash moves in and out of World Acceptance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Change in Cash & Equivalents		 3.49 -2.73 -4.67
Net Cash From Operating Activities		 272 292 266
Net Cash From Continuing Operating Activities		 272 292 266
Net Income / (Loss) Continuing Operations		 54 21 77
Consolidated Net Income / (Loss)		 54 21 77
Provision For Loan Losses		 186 259 157
Depreciation Expense		 10 6.24 6.67
Amortization Expense		 23 22 20
Non-Cash Adjustments to Reconcile Net Income		 3.13 1.14 7.10
Changes in Operating Assets and Liabilities, net		 -4.42 -18 -2.43
Net Cash From Investing Activities		 -452 -181 -135
Net Cash From Continuing Investing Activities		 -452 -181 -135
Purchase of Property, Leasehold Improvements and Equipment		 -6.07 -5.83 -5.93
Purchase of Investment Securities		 -447 -175 -130
Sale of Property, Leasehold Improvements and Equipment		 1.35 0.53 0.35
Net Cash From Financing Activities		 183 -114 -135
Net Cash From Continuing Financing Activities		 183 -114 -135
Issuance of Debt		 815 314 306
Repayment of Debt		 -529 -411 -405
Repurchase of Common Equity		 -111 -14 -36
Other Financing Activities, Net		 7.73 -1.89 0.04
Cash Interest Paid		 21 52 49
Cash Income Taxes Paid		 31 11 8.95

Quarterly Cash Flow Statements for World Acceptance

This table details how cash moves in and out of World Acceptance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 1.78 0.57 -5.93 7.39 0.27 -4.45 -0.72 2.80 -6.01 -0.94
Net Cash From Operating Activities		 60 105 58 78 69 86 48 63 59 84
Net Cash From Continuing Operating Activities		 60 105 58 78 69 86 48 63 59 84
Net Income / (Loss) Continuing Operations		 7.33 18 -8.57 -0.64 5.80 25 9.95 16 17 35
Consolidated Net Income / (Loss)		 7.33 18 -8.57 -0.64 5.80 25 9.95 16 17 35
Provision For Loan Losses		 56 57 86 69 60 45 45 40 41 29
Depreciation Expense		 2.57 2.51 1.51 1.51 1.63 1.59 1.64 1.66 1.71 1.73
Amortization Expense		 6.15 6.79 6.02 5.18 5.72 4.94 4.71 4.99 5.07 5.32
Non-Cash Adjustments to Reconcile Net Income		 -12 15 -6.15 -1.73 5.66 3.36 -3.41 -2.13 3.73 6.08
Changes in Operating Assets and Liabilities, net		 -0.33 4.60 -20 5.55 -9.21 5.85 -9.89 2.30 -8.92 6.35
Net Cash From Investing Activities		 -187 -17 -134 -40 -41 35 -36 -36 -70 22
Net Cash From Continuing Investing Activities		 -187 -17 -134 -40 -41 35 -36 -36 -70 22
Purchase of Property, Leasehold Improvements and Equipment		 -1.10 -1.59 -1.35 -1.78 -1.39 -1.31 -1.08 -1.54 -1.22 -1.51
Purchase of Investment Securities		 -186 -15 -133 -38 -40 37 -35 -35 -69 24
Sale of Property, Leasehold Improvements and Equipment		 0.03 0.06 0.28 - 0.07 0.18 0.16 0.10 0.05 0.04
Net Cash From Financing Activities		 128 -88 70 -31 -28 -126 -13 -25 5.14 -107
Net Cash From Continuing Financing Activities		 128 -88 70 -31 -28 -126 -13 -25 5.14 -107
Issuance of Debt		 168 108 128 55 69 62 94 58 91 91
Repayment of Debt		 -19 -136 -44 -85 -94 -188 -97 -83 -67 -179
Repurchase of Common Equity		 -19 -61 -14 - - -0.00 -11 - -17 -19
Other Financing Activities, Net		 -1.89 1.09 0.40 - -2.46 0.17 0.56 0.36 -1.88 0.85
Cash Interest Paid		 4.77 5.30 18 6.81 18 8.93 15 7.23 17 7.60
Cash Income Taxes Paid		 7.68 4.06 4.01 6.77 - 0.01 0.95 4.71 0.56 1.23

Annual Balance Sheets for World Acceptance

This table presents World Acceptance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Total Assets		 1,218 1,117 1,056
Cash and Due from Banks		 19 17 12
Loans and Leases, Net of Allowance		 1,389 1,264 -103
Allowance for Loan and Lease Losses		 134 126 103
Premises and Equipment, Net		 24 24 23
Goodwill		 7.37 7.37 7.37
Intangible Assets		 20 15 11
Other Assets		 -241 -210 1,106
Total Liabilities & Shareholders' Equity		 1,218 1,117 1,056
Total Liabilities		 845 732 632
Other Short-Term Payables		 58 51 54
Long-Term Debt		 692 595 496
Other Long-Term Liabilities		 95 86 82
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 373 385 424
Total Preferred & Common Equity		 373 385 424
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 373 385 424
Common Stock		 281 288 286
Retained Earnings		 92 97 138

Quarterly Balance Sheets for World Acceptance

This table presents World Acceptance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q3 2025
Total Assets		 1,270 1,279 1,247 1,217 1,048 1,049 1,120 1,111
Cash and Due from Banks		 19 13 21 21 11 9.75 13 16
Loans and Leases, Net of Allowance		 -133 -156 -156 -145 -110 -114 -121 -116
Allowance for Loan and Lease Losses		 133 156 156 145 110 114 121 116
Premises and Equipment, Net		 25 24 25 24 22 21 23 21
Goodwill		 7.37 7.37 7.37 7.37 7.37 7.37 7.37 7.37
Intangible Assets		 21 19 18 16 10 9.11 12 8.30
Other Assets		 1,332 1,371 1,333 1,292 1,107 1,116 1,185 1,175
Total Liabilities & Shareholders' Equity		 1,270 1,279 1,247 1,217 1,048 1,049 1,120 1,111
Total Liabilities		 861 925 891 857 626 632 713 682
Other Short-Term Payables		 51 53 55 49 50 44 45 41
Long-Term Debt		 720 777 747 723 493 505 585 560
Other Long-Term Liabilities		 89 95 89 86 83 83 82 81
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 409 354 357 360 423 417 407 428
Total Preferred & Common Equity		 409 354 357 360 423 417 407 428
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 409 354 357 360 423 417 407 428
Common Stock		 275 285 289 286 286 269 285 267
Retained Earnings		 134 69 68 73 137 149 122 161

Annual Metrics and Ratios for World Acceptance

This table displays calculated financial ratios and metrics derived from World Acceptance's official financial filings.

Metric 2022 2023 2024
Growth Metrics		 - - -
Revenue Growth		 9.85% 2.60% -7.26%
EBITDA Growth		 -30.79% -44.31% 128.47%
EBIT Growth		 -41.13% -58.61% 266.20%
NOPAT Growth		 -38.92% -60.62% 264.29%
Net Income Growth		 -38.92% -60.62% 264.29%
EPS Growth		 -35.98% -57.50% 266.39%
Operating Cash Flow Growth		 20.05% 7.01% -8.84%
Free Cash Flow Firm Growth		 -242.52% 152.66% 29.44%
Invested Capital Growth		 31.54% -7.97% -6.12%
Revenue Q/Q Growth		 1.12% 0.13% 1.19%
EBITDA Q/Q Growth		 -54.85% -85.43% 15.04%
EBIT Q/Q Growth		 -62.86% -92.21% 19.15%
NOPAT Q/Q Growth		 -32.95% 41.71% 14.88%
Net Income Q/Q Growth		 -32.95% 41.71% 14.88%
EPS Q/Q Growth		 -31.14% 53.85% 14.20%
Operating Cash Flow Q/Q Growth		 3.61% -6.23% -0.70%
Free Cash Flow Firm Q/Q Growth		 -33.61% 69.71% -12.76%
Invested Capital Q/Q Growth		 -5.69% -9.40% -7.21%
Profitability Metrics		 - - -
EBITDA Margin		 17.98% 9.76% 24.04%
EBIT Margin		 11.89% 4.80% 18.94%
Profit (Net Income) Margin		 9.77% 3.75% 14.73%
Tax Burden Percent		 82.22% 78.21% 77.81%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 17.78% 21.79% 22.19%
Return on Invested Capital (ROIC)		 5.75% 2.08% 8.14%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.75% 2.08% 8.14%
Return on Net Nonoperating Assets (RNNOA)		 8.11% 3.52% 10.97%
Return on Equity (ROE)		 13.86% 5.60% 19.11%
Cash Return on Invested Capital (CROIC)		 -21.49% 10.38% 14.45%
Operating Return on Assets (OROA)		 6.04% 2.32% 9.15%
Return on Assets (ROA)		 4.96% 1.82% 7.12%
Return on Common Equity (ROCE)		 13.86% 5.60% 19.11%
Return on Equity Simple (ROE_SIMPLE)		 14.45% 5.51% 18.22%
Net Operating Profit after Tax (NOPAT)		 54 21 77
NOPAT Margin		 9.77% 3.75% 14.73%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.93% 41.67% 42.70%
Operating Expenses to Revenue		 54.37% 49.37% 51.16%
Earnings before Interest and Taxes (EBIT)		 66 27 99
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 99 55 126
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 3.37 1.35 2.08
Price to Tangible Book Value (P/TBV)		 3.63 1.43 2.17
Price to Revenue (P/Rev)		 2.28 0.92 1.68
Price to Earnings (P/E)		 23.29 24.43 11.40
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 4.29% 4.09% 8.77%
Enterprise Value to Invested Capital (EV/IC)		 1.81 1.12 1.48
Enterprise Value to Revenue (EV/Rev)		 3.50 1.94 2.60
Enterprise Value to EBITDA (EV/EBITDA)		 19.45 19.87 10.82
Enterprise Value to EBIT (EV/EBIT)		 29.41 40.43 13.74
Enterprise Value to NOPAT (EV/NOPAT)		 35.77 51.69 17.66
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.08 3.76 5.14
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 10.34 9.94
Leverage & Solvency		 - - -
Debt to Equity		 1.86 1.55 1.17
Long-Term Debt to Equity		 1.86 1.55 1.17
Financial Leverage		 1.41 1.70 1.35
Leverage Ratio		 2.79 3.08 2.68
Compound Leverage Factor		 2.79 3.08 2.68
Debt to Total Capital		 64.99% 60.71% 53.89%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 64.99% 60.71% 53.89%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 35.01% 39.29% 46.11%
Debt to EBITDA		 6.98 10.78 3.93
Net Debt to EBITDA		 6.79 10.48 3.84
Long-Term Debt to EBITDA		 6.98 10.78 3.93
Debt to NOPAT		 12.84 28.04 6.41
Net Debt to NOPAT		 12.48 27.26 6.26
Long-Term Debt to NOPAT		 12.84 28.04 6.41
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -202 106 137
Operating Cash Flow to CapEx		 5,772.68% 5,503.10% 4,760.95%
Free Cash Flow to Firm to Interest Expense		 -6.03 2.10 2.85
Operating Cash Flow to Interest Expense		 8.15 5.78 5.51
Operating Cash Flow Less CapEx to Interest Expense		 8.01 5.67 5.39
Efficiency Ratios		 - - -
Asset Turnover		 0.51 0.48 0.48
Fixed Asset Turnover		 22.16 23.39 22.42
Capital & Investment Metrics		 - - -
Invested Capital		 1,065 980 920
Invested Capital Turnover		 0.59 0.55 0.55
Increase / (Decrease) in Invested Capital		 255 -85 -60
Enterprise Value (EV)		 1,929 1,098 1,366
Market Capitalization		 1,256 519 882
Book Value per Share		 $56.98 $61.85 $69.80
Tangible Book Value per Share		 $52.84 $58.21 $66.77
Total Capital		 1,065 980 920
Total Debt		 692 595 496
Total Long-Term Debt		 692 595 496
Net Debt		 673 579 484
Capital Expenditures (CapEx)		 4.72 5.30 5.58
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 692 595 496
Total Depreciation and Amortization (D&A)		 34 28 27
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $8.88 $0.00 $13.45
Adjusted Weighted Average Basic Shares Outstanding		 6.07M 0.00 5.75M
Adjusted Diluted Earnings per Share		 $8.47 $0.00 $13.19
Adjusted Weighted Average Diluted Shares Outstanding		 6.36M 0.00 5.86M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.28M 0.00 5.84M
Normalized Net Operating Profit after Tax (NOPAT)		 54 21 77
Normalized NOPAT Margin		 9.77% 3.75% 14.73%
Pre Tax Income Margin		 11.89% 4.80% 18.94%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 1.96 0.54 2.06
NOPAT to Interest Expense		 1.61 0.42 1.60
EBIT Less CapEx to Interest Expense		 1.82 0.43 1.95
NOPAT Less CapEx to Interest Expense		 1.47 0.32 1.49
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 206.12% 67.42% 46.81%

Quarterly Metrics and Ratios for World Acceptance

This table displays calculated financial ratios and metrics derived from World Acceptance's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q3 2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 20.16% 4.32% 18.19% 5.42% -10.84% 0.50% -18.39% -10.05% -4.83% 4.16% 1.01%
EBITDA Growth		 -27.67% 95.05% -110.92% -68.51% -7.16% -75.01% 702.15% 318.15% 72.38% 45.09% -35.53%
EBIT Growth		 -54.36% 143.61% -152.23% -100.63% 2.38% -78.08% 220.49% 23,689.21% 147.01% 53.16% -17.96%
NOPAT Growth		 -49.44% -59.05% -147.62% -100.50% -20.78% 34.00% 232.45% 26,004.41% 187.10% 40.68% -19.66%
Net Income Growth		 -49.44% -59.05% -154.32% -105.13% -20.78% 34.00% 216.12% 2,622.42% 187.10% 40.68% -19.66%
EPS Growth		 -49.33% -56.49% -161.07% -105.67% -13.16% 42.71% 220.13% 2,563.64% 186.87% 38.95% -13.73%
Operating Cash Flow Growth		 17.98% 9.94% 18.77% 35.27% 14.58% -18.43% 2.66% -19.27% -14.93% -2.18% 0.00%
Free Cash Flow Firm Growth		 -343.63% -341.88% -133.00% 38.53% 123.83% 146.20% 185.03% 273.18% 100.16% -13.56% -83.72%
Invested Capital Growth		 25.74% 31.54% 29.55% 11.49% -4.21% -7.97% -19.08% -16.39% -8.33% -6.12% -0.40%
Revenue Q/Q Growth		 13.32% -0.44% -0.79% -5.80% -4.17% 12.22% -19.44% -2.16% 1.39% 22.82% 0.00%
EBITDA Q/Q Growth		 -21.53% 791.40% -102.18% 306.17% 131.37% 139.90% -47.38% 43.17% -4.62% 101.92% 0.00%
EBIT Q/Q Growth		 -45.19% 1,676.93% -107.82% 99.17% 9,009.18% 280.45% -57.00% 61.84% -6.71% 135.89% 0.00%
NOPAT Q/Q Growth		 -41.10% 150.89% -140.86% 99.17% 9,449.61% 324.34% -59.61% 61.67% 3.62% 107.93% 0.00%
Net Income Q/Q Growth		 -41.10% 150.89% -146.60% 92.56% 1,010.41% 324.34% -59.61% 68.60% 3.62% 107.93% 0.00%
EPS Q/Q Growth		 -41.24% 158.77% -150.51% 92.62% 1,000.00% 325.25% -57.48% 67.28% 4.80% 105.99% 0.00%
Operating Cash Flow Q/Q Growth		 4.12% 73.89% -44.61% 34.90% -11.80% 23.79% -30.29% 30.88% -7.06% 42.34% 0.00%
Free Cash Flow Firm Q/Q Growth		 -21.05% -5.87% -11.99% 57.17% 146.92% 105.27% 106.11% -12.76% -45.77% -11.35% 0.00%
Invested Capital Q/Q Growth		 14.16% -5.69% 6.17% -2.47% -1.91% -9.40% -6.64% 0.77% 7.55% -7.21% 0.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 11.06% 99.00% -2.18% 4.77% 11.51% 24.61% 16.08% 22.17% 20.86% 34.29% 13.31%
EBIT Margin		 5.19% 92.71% -7.31% -0.06% 5.97% 20.22% 10.79% 16.83% 15.48% 29.74% 12.57%
Profit (Net Income) Margin		 4.93% 12.43% -5.84% -0.46% 4.38% 16.57% 8.31% 12.94% 13.22% 22.38% 10.51%
Tax Burden Percent		 94.93% 79.10% 79.85% 718.88% 73.46% 81.94% 76.95% 76.87% 85.38% 75.26% 83.61%
Interest Burden Percent		 100.00% 16.95% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 5.07% 20.90% 0.00% 0.00% 26.54% 18.06% 23.05% 23.13% 14.62% 24.74% 16.39%
Return on Invested Capital (ROIC)		 2.65% 7.31% -2.93% -0.03% 2.24% 9.17% 4.38% 6.71% 6.71% 12.36% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.65% 7.31% -3.10% -0.11% 2.24% 9.17% 4.38% 6.71% 6.71% 12.36% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 4.35% 10.32% -5.08% -0.19% 4.20% 15.57% 7.15% 10.85% 11.44% 16.66% 0.00%
Return on Equity (ROE)		 7.00% 17.63% -8.02% -0.22% 6.44% 24.74% 11.53% 17.55% 18.14% 29.02% 0.00%
Cash Return on Invested Capital (CROIC)		 -14.87% -21.49% -22.79% -9.28% 5.65% 10.38% 24.98% 23.43% 15.14% 14.45% 0.00%
Operating Return on Assets (OROA)		 2.46% 47.09% -3.65% -0.03% 2.71% 9.80% 5.00% 7.70% 6.97% 14.36% 0.00%
Return on Assets (ROA)		 2.34% 6.31% -2.91% -0.22% 1.99% 8.03% 3.85% 5.92% 5.95% 10.81% 0.00%
Return on Common Equity (ROCE)		 7.00% 17.63% -8.02% -0.22% 6.44% 24.74% 11.53% 17.55% 18.14% 29.02% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 19.64% 0.00% 8.35% 4.63% 4.17% 0.00% 9.40% 13.53% 16.44% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 7.33 18 -7.51 -0.06 5.80 25 9.95 16 17 35 13
NOPAT Margin		 4.93% 12.43% -5.12% -0.04% 4.38% 16.57% 8.31% 12.94% 13.22% 22.38% 10.51%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.17% 0.09% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 42.97% 41.93% 41.31% 43.26% 41.49% 40.71% 42.42% 42.71% 44.19% 41.70% 45.40%
Operating Expenses to Revenue		 94.81% 7.29% 48.83% 50.42% 49.03% 49.23% 51.28% 50.63% 52.28% 50.59% 52.79%
Earnings before Interest and Taxes (EBIT)		 7.72 137 -11 -0.09 7.90 30 13 21 20 46 16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 146 -3.20 6.59 15 37 19 28 26 53 17
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 4.02 3.37 1.99 1.71 1.15 1.35 1.71 1.90 2.00 2.08 1.51
Price to Tangible Book Value (P/TBV)		 4.32 3.63 2.15 1.83 1.23 1.43 1.78 1.98 2.10 2.17 1.57
Price to Revenue (P/Rev)		 3.01 2.28 1.23 1.05 0.73 0.92 1.34 1.51 1.54 1.68 0.00
Price to Earnings (P/E)		 20.45 23.29 23.82 36.85 27.54 24.43 18.17 14.05 12.14 11.40 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 4.89% 4.29% 4.20% 2.71% 3.63% 4.09% 5.50% 7.12% 8.24% 8.77% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 2.08 1.81 1.30 1.21 1.03 1.12 1.32 1.40 1.40 1.48 1.21
Enterprise Value to Revenue (EV/Rev)		 4.30 3.50 2.56 2.29 1.97 1.94 2.23 2.45 2.63 2.60 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 10.68 19.45 22.01 25.48 2.94 19.87 15.50 13.06 12.69 10.82 0.00
Enterprise Value to EBIT (EV/EBIT)		 13.29 29.41 42.80 66.25 3.20 40.43 23.70 17.94 16.71 13.74 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 29.17 35.77 49.64 80.84 74.36 51.69 30.29 22.82 20.69 17.66 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.92 7.08 5.21 4.42 3.58 3.76 4.11 4.63 5.17 5.14 4.82
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 17.82 10.34 4.71 5.43 8.82 9.94 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.76 1.86 2.19 2.09 2.01 1.55 1.17 1.21 1.44 1.17 1.31
Long-Term Debt to Equity		 1.76 1.86 2.19 2.09 2.01 1.55 1.17 1.21 1.44 1.17 1.31
Financial Leverage		 1.64 1.41 1.64 1.70 1.88 1.70 1.63 1.62 1.71 1.35 1.37
Leverage Ratio		 3.00 2.79 3.03 3.08 3.23 3.08 3.00 2.97 3.05 2.68 2.67
Compound Leverage Factor		 3.00 0.47 3.03 3.08 3.23 3.08 3.00 2.97 3.05 2.68 2.67
Debt to Total Capital		 63.76% 64.99% 68.69% 67.68% 66.77% 60.71% 53.83% 54.74% 58.97% 53.89% 56.66%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 63.76% 64.99% 68.69% 67.68% 66.77% 60.71% 53.83% 54.74% 58.97% 53.89% 56.66%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 36.24% 35.01% 31.31% 32.32% 33.23% 39.29% 46.17% 45.26% 41.03% 46.11% 43.34%
Debt to EBITDA		 3.28 6.98 11.65 14.26 1.91 10.78 6.34 5.12 5.36 3.93 0.00
Net Debt to EBITDA		 3.19 6.79 11.45 13.86 1.85 10.48 6.20 5.02 5.24 3.84 0.00
Long-Term Debt to EBITDA		 3.28 6.98 11.65 14.26 1.91 10.78 6.34 5.12 5.36 3.93 0.00
Debt to NOPAT		 8.96 12.84 26.27 45.24 48.22 28.04 12.40 8.94 8.74 6.41 0.00
Net Debt to NOPAT		 8.72 12.48 25.82 43.99 46.83 27.26 12.12 8.77 8.55 6.26 0.00
Long-Term Debt to NOPAT		 8.96 12.84 26.27 45.24 48.22 28.04 12.40 8.94 8.74 6.41 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -224 -237 -266 -114 53 110 226 197 107 95 17
Operating Cash Flow to CapEx		 5,669.94% 6,866.58% 5,441.18% 4,411.73% 5,243.98% 7,582.49% 4,001.10% 4,384.72% 5,017.76% 5,696.54% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 -11.18 -23.76 -8.73 3.79 8.99 23.11 15.70 9.14 6.65 1.54
Operating Cash Flow to Interest Expense		 0.00 4.95 5.21 6.02 4.92 7.03 6.11 5.05 5.04 5.89 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 4.88 5.11 5.89 4.83 6.94 5.96 4.94 4.94 5.79 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.47 0.51 0.50 0.49 0.45 0.48 0.46 0.46 0.45 0.48 0.00
Fixed Asset Turnover		 21.43 22.16 23.63 23.35 23.12 23.39 23.26 22.74 22.12 22.42 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,130 1,065 1,131 1,103 1,082 980 915 922 992 920 988
Invested Capital Turnover		 0.54 0.59 0.57 0.56 0.51 0.55 0.53 0.52 0.51 0.55 0.00
Increase / (Decrease) in Invested Capital		 231 255 258 114 -48 -85 -216 -181 -90 -60 -4.00
Enterprise Value (EV)		 2,346 1,929 1,468 1,334 1,114 1,098 1,204 1,288 1,385 1,366 1,191
Market Capitalization		 1,644 1,256 705 608 413 519 722 793 813 882 646
Book Value per Share		 $61.11 $56.98 $56.40 $56.77 $57.48 $61.85 $72.30 $66.88 $65.39 $69.80 $74.47
Tangible Book Value per Share		 $56.87 $52.84 $52.23 $52.80 $53.68 $58.21 $69.32 $64.24 $62.26 $66.77 $71.74
Total Capital		 1,130 1,065 1,131 1,103 1,082 980 915 922 992 920 988
Total Debt		 720 692 777 747 723 595 493 505 585 496 560
Total Long-Term Debt		 720 692 777 747 723 595 493 505 585 496 560
Net Debt		 702 673 764 726 702 579 482 495 572 484 544
Capital Expenditures (CapEx)		 1.07 1.53 1.07 1.78 1.32 1.13 1.49 1.45 1.17 1.47 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 1.06 0.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 720 692 777 747 723 595 493 505 585 496 560
Total Depreciation and Amortization (D&A)		 8.71 9.30 7.53 6.68 7.35 6.53 6.33 6.64 6.77 7.05 0.94
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.20 $3.08 ($1.53) ($0.24) $1.00 $4.28 $1.82 $2.78 $2.89 $5.96 $2.46
Adjusted Weighted Average Basic Shares Outstanding		 6.12M 6.07M 5.74M 5.73M 5.76M 5.75M 5.48M 5.78M 5.77M 5.75M 5.44M
Adjusted Diluted Earnings per Share		 $1.14 $2.95 ($1.53) ($0.24) $0.98 $4.21 $1.79 $2.71 $2.84 $5.85 $2.45
Adjusted Weighted Average Diluted Shares Outstanding		 6.40M 6.36M 5.74M 5.73M 5.86M 5.90M 5.57M 5.94M 5.86M 5.86M 5.46M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.55M 6.28M 6.28M 6.26M 6.23M 6.24M 5.85M 5.75M 6.08M 5.84M 5.75M
Normalized Net Operating Profit after Tax (NOPAT)		 7.33 18 -7.51 -0.06 5.80 25 9.95 16 17 35 13
Normalized NOPAT Margin		 4.93% 12.43% -5.12% -0.04% 4.38% 16.57% 8.31% 12.94% 13.22% 22.38% 10.51%
Pre Tax Income Margin		 5.19% 15.71% -7.31% -0.06% 5.97% 20.22% 10.79% 16.83% 15.48% 29.74% 12.57%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 6.47 -0.96 -0.01 0.56 2.47 1.32 1.67 1.67 3.24 1.42
NOPAT to Interest Expense		 0.00 0.87 -0.67 0.00 0.41 2.02 1.02 1.28 1.43 2.44 1.19
EBIT Less CapEx to Interest Expense		 0.00 6.39 -1.06 -0.14 0.47 2.37 1.17 1.55 1.57 3.13 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.79 -0.77 -0.14 0.32 1.93 0.87 1.17 1.33 2.33 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 79.66% 206.12% 352.81% 571.59% 500.53% 67.42% 0.00% 0.00% 25.84% 46.81% 0.00%

Frequently Asked Questions About World Acceptance's Financials

When does World Acceptance's fiscal year end?

According to the most recent income statement we have on file, World Acceptance's financial year ends in March. Their financial year 2024 ended on March 31, 2024.

How has World Acceptance's net income changed over the last 2 years?

World Acceptance's net income appears to be on an upward trend, with a most recent value of $77.35 million in 2024, rising from $53.92 million in 2022. The previous period was $21.23 million in 2023.

How has World Acceptance revenue changed over the last 2 years?

Over the last 2 years, World Acceptance's total revenue changed from $551.76 million in 2022 to $524.98 million in 2024, a change of -4.9%.

How much debt does World Acceptance have?

World Acceptance's total liabilities were at $631.92 million at the end of 2024, a 13.7% decrease from 2023, and a 25.2% decrease since 2022.

How much cash does World Acceptance have?

In the past 2 years, World Acceptance's cash and equivalents has ranged from $11.84 million in 2024 to $19.24 million in 2022, and is currently $11.84 million as of their latest financial filing in 2024.

How has World Acceptance's book value per share changed over the last 2 years?

Over the last 2 years, World Acceptance's book value per share changed from 56.98 in 2022 to 69.80 in 2024, a change of 22.5%.


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This page (NASDAQ:WRLD) was last updated on 4/20/2025 by MarketBeat.com Staff
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