WRLD World Acceptance Corp
Price (delayed)
$139.94
Market cap
$804.19M
P/E Ratio
9.68
Dividend/share
N/A
EPS
$14.46
Enterprise value
$1.43B
Founded in 1962, Greenville, S.C. -based World Acceptance Corporation is one of North America's largest small-loan consumer finance companies. The company offers short and medium-term installment loans, related credit insurance
Highlights
The equity rose by 5% YoY and by 2.6% QoQ
The price to earnings (P/E) is 40% less than the 5-year quarterly average of 16.0 but 9% more than the last 4 quarters average of 8.9
World Acceptance's EPS has increased by 25% YoY but it has decreased by 2.9% from the previous quarter
The gross profit has declined by 2.8% year-on-year
The company's revenue fell by 2.8% YoY
Key stats
What are the main financial stats of WRLD
Market
Valuations
Earnings
Shares outstanding
5.75M
Market cap
$804.19M
Enterprise value
$1.43B
Price to earnings (P/E)
9.68
Price to book (P/B)
1.88
Price to sales (P/S)
1.36
EV/EBIT
9.74
EV/EBITDA
9.09
EV/Sales
2.56
Revenue
$558.83M
Gross profit
$558.83M
Operating income
$146.76M
Net income
$80.52M
EBIT
$146.76M
EBITDA
$157.23M
Free cash flow
$243.17M
Per share
Balance sheet
Liquidity
EPS
$14.46
EPS diluted
$14.25
Free cash flow per share
$44.73
Book value per share
$74.47
Revenue per share
$102.79
TBVPS
$201.38
Total assets
$1.11B
Total liabilities
$682.33M
Debt
$641.07M
Equity
$428.17M
Working capital
N/A
Debt to equity
1.5
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.98
Margins
Efficiency
Dividend
EBITDA margin
28.1%
Gross margin
100%
Net margin
14.4%
Operating margin
26.3%
Return on assets
7.6%
Return on equity
19%
Return on invested capital
9%
Return on capital employed
N/A
Return on sales
26.3%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
WRLD stock price
How has the World Acceptance stock price performed over time
Intraday
-3.34%
1 week
-8.09%
1 month
8.38%
1 year
14.03%
YTD
24.46%
QTD
24.46%
Financial performance
How have World Acceptance's revenue and profit performed over time
Revenue
$558.83M
Gross profit
$558.83M
Operating income
$146.76M
Net income
$80.52M
Gross margin
100%
Net margin
14.4%
The net margin is up by 24% year-on-year but it has declined by 4% since the previous quarter
The net income rose by 20% year-on-year but it has declined by 3.9% since the previous quarter
The operating margin is up by 15% year-on-year but it is down by 2.6% since the previous quarter
The company's operating income rose by 12% YoY but it fell by 2.6% QoQ
Growth
What is World Acceptance's growth rate over time
Valuation
What is World Acceptance stock price valuation
P/E
9.68
P/B
1.88
P/S
1.36
EV/EBIT
9.74
EV/EBITDA
9.09
EV/Sales
2.56
The price to earnings (P/E) is 40% less than the 5-year quarterly average of 16.0 but 9% more than the last 4 quarters average of 8.9
World Acceptance's EPS has increased by 25% YoY but it has decreased by 2.9% from the previous quarter
WRLD's P/B is 11% above its last 4 quarters average of 1.7 but 6% below its 5-year quarterly average of 2.0
The equity rose by 5% YoY and by 2.6% QoQ
The price to sales (P/S) is 13% higher than the last 4 quarters average of 1.2 and 4.6% higher than the 5-year quarterly average of 1.3
The company's revenue fell by 2.8% YoY
Efficiency
How efficient is World Acceptance business performance
World Acceptance's ROA has increased by 27% YoY but it has decreased by 2.6% from the previous quarter
The return on invested capital rose by 18% year-on-year but it has declined by 2.2% since the previous quarter
World Acceptance's ROS has increased by 15% YoY but it has decreased by 2.6% from the previous quarter
The ROE has grown by 14% YoY but it has contracted by 5% from the previous quarter
Dividends
What is WRLD's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
There are no recent dividends present for WRLD.
Financial health
How did World Acceptance financials performed over time
World Acceptance's total assets is 63% more than its total liabilities
The total liabilities is up by 8% since the previous quarter but it is down by 4.2% year-on-year
World Acceptance's total assets has increased by 6% from the previous quarter
The debt is 50% greater than the equity
The debt to equity has contracted by 9% YoY but it has grown by 6% from the previous quarter
The debt is up by 9% since the previous quarter but it has declined by 4% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.