# World Acceptance Corporation (WRLD)

> Source: Nexqual · https://nexqual.com/WRLD · data as of 2026-10-23 13:32 UTC · cite as "Nexqual, World Acceptance Corporation (WRLD), nexqual.com/WRLD" · informational, not investment advice.

**Price:** USD 178.1 (+4.97% today) · US market open, as of October 23, 2026 at 13:32 UTC; quotes may be delayed. Prev close 169.66 · day 178.1–178.32 · 52w 110–227.68 · market cap $830M · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $592M, net income $39.1M (6.6% margin) (SEC filings).
- Valuation: P/E 21.2x (avg 12.8x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 12 Form 4 filings, $27.2M; 6 not under a Rule 10b5-1 plan ($26.3M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Hold (mean 3.00 on a 1–5 scale) (1 analysts), mean target USD 180 (range 180–180).
- Total return with dividends: 1Y +14.9% vs S&P 500 +14.9%; 5Y -3.9% vs S&P 500 +80.3%.
- Next earnings: 2026-10-23, EPS estimate USD 0.78, revenue estimate $141M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $585M | $617M | $573M | $564M | $585M | $592M |
| Net income | $53.9M | $21.2M | $77.0M | $89.2M | $34.6M | $39.1M |
| EPS (diluted) | $8.47 | $3.60 | $13.14 | $16.21 | $6.88 | — |
| Free cash flow | $266M | $286M | $260M | $250M | $255M | $261M |
| Net margin | 9.2% | 3.4% | 13.5% | 15.8% | 5.9% | 6.6% |
| Revenue growth | +10.8% | +5.4% | -7.1% | -1.5% | +3.7% | — |
| Cash + short-term investments | $19.2M | $16.5M | $5.2M | $4.7M | $6.1M | — |
| Total debt | $697M | $599M | $498M | $448M | $587M | — |
Fiscal years end Mar. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 21.2x · P/S 1.4x · P/FCF 3.2x · P/B 2.3x · FCF yield 31.50% · Earnings yield 4.71% · Buyback yield (TTM) 14.65%
P/E at fiscal year-ends: Mar 2026 19.6x, Mar 2025 7.8x, Mar 2024 11.0x.

## Insider sales (SEC Form 4, open-market, last ~7 months)
6 of 12 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-14 | Prescott General Partners Llc |  | 133,199 | $25.0M | 6.4% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-08-12 | Childers Jason E. | SVP, Information Technology | 2,000 | $381K | 13.5% | No | Too little history (no open-market trades in 2024) |
| 2026-08-10 | Robinson Benjamin E Iii | Director | 90 | $17K | 1.9% | Yes | Too little history (no open-market trades in 2023–2025) |
| 2026-08-03 | McIntyre Scott | SVP, Accounting | 1,300 | $241K | 8.1% | No | Too little history (no open-market trades in 2024) |
| 2026-07-30 | Calmes John L Jr | See remarks | 2,000 | $372K | 4% | No | Too little history (no open-market trades in 2024) |
| 2026-06-30 | Way Charles D | Director | 833 | $187K | 6.1% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-29 | Robinson Benjamin E Iii | Director | 2,031 | $452K | 29.6% | Yes | Too little history (no open-market trades in 2023–2025) |
| 2026-06-26 | Way Charles D | Director | 833 | $175K | 5.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-15 | Caulder Alice Lindsay | SVP, Human Resources | 609 | $110K | 4% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-12 | Umstetter Luke J. | See remarks | 1,000 | $182K | 3.4% | No | Too little history (no open-market trades in 2023) |
| 2026-05-22 | Robinson Benjamin E Iii | Director | 90 | $14K | 1.8% | Yes | Too little history (no open-market trades in 2023–2025) |
| 2026-04-30 | Robinson Benjamin E Iii | Director | 180 | $29K | 3.5% | Yes | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Consensus Hold (mean 3.00 on a 1–5 scale), 1 analysts; mean target USD 180 (low 180, high 180).

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +14.9% | -3.9% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +14.9% | -0.8% |
| Volatility (annualized) | 48.1% | 52.6% |
| Max drawdown | -27.4% (Dec 2025→Jan 2026) | -75.6% (Dec 2021→Dec 2022) |

## Peers (Credit Services)
NAVI (Navient Corporation) USD 8.69 -1.92% · PRAA (PRA Group, Inc.) USD 19.55 -2.05% · LU (Lufax Holding Ltd) USD 8.22 -2.10% · FINV (FinVolution Group) USD 3.04 -0.65% · GDOT (Green Dot Corporation) USD 12.39 +1.56% · QFIN (Qfin Holdings, Inc.) USD 5.45 -0.37%

## More
Full page: https://nexqual.com/WRLD · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in WRLD's own 10-K filed 2026-06-04 (https://www.sec.gov/Archives/edgar/data/108385/000010838526000014/wrld-20260331.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | At World Acceptance | "At World Acceptance Corporation, our employees create possibilities by embracing our mission to partner with customers to unlock their financial good." |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $0.78 | $0.35 | +122.9% | $140.7M | 1 |
| Next quarter (ends 2026-12-31) | $0.97 | $1.00 | -3.0% | $149.7M | 1 |
| Current fiscal year (ends 2027-03-31) | $13.18 | $10.99 | +19.9% | $613.1M | 1 |
| Next fiscal year (ends 2028-03-31) | $15.14 | $14.12 | +7.2% | $654.9M | 1 |