WRLD
World Acceptance Corporation
NASDAQ: WRLD · FINANCIAL SERVICES · CREDIT SERVICES
$153.25
-0.93% today
Updated 2026-04-29
Market cap
$779.34M
P/E ratio
19.91
P/S ratio
1.36x
EPS (TTM)
$7.77
Dividend yield
—
52W range
$110 – $185
Volume
0.2M
World Acceptance Corporation (WRLD) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $243.27M | $292.32M | $346.05M | $392.15M | $440.64M | $491.45M | $526.26M | $563.64M | $599.26M | $610.21M | $557.48M | $490.82M | $502.67M | $544.54M | $590.03M | $527.99M | $585.19M | $616.55M | $573.21M | $564.84M |
| Revenue growth (YoY) | — | +20.2% | +18.4% | +13.3% | +12.4% | +11.5% | +7.1% | +7.1% | +6.3% | +1.8% | -8.6% | -12.0% | +2.4% | +8.3% | +8.4% | -10.5% | +10.8% | +5.4% | -7.0% | -1.5% |
| Cost of revenue | $53.16M | $61.52M | $79.11M | $100.36M | $104.18M | $110.68M | $35.56B | $131.72M | $147.77M | $142.13M | $150.45M | $140.60M | $136.71M | $166.36M | $207.63M | $111.94M | $219.63M | $309.93M | $205.21M | $169.22M |
| Gross profit | $190.11M | $230.80M | $266.94M | $291.79M | $336.46M | $380.76M | $-35.04B | $431.92M | $451.49M | $468.08M | $407.03M | $350.22M | $365.96M | $378.18M | $382.40M | $416.05M | $365.55M | $306.62M | $368.01M | $395.63M |
| Gross margin | 78.1% | 79.0% | 77.1% | 74.4% | 76.4% | 77.5% | -6657.6% | 76.6% | 75.3% | 76.7% | 73.0% | 71.4% | 72.8% | 69.4% | 64.8% | 78.8% | 62.5% | 49.7% | 64.2% | 70.0% |
| R&D | — | — | — | — | — | — | $0.00 | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — |
| SG&A | $84.82M | $102.82M | $119.48M | $159.12M | $173.46M | $191.39M | $210.89M | $213.14M | $225.25M | $232.31M | $207.29M | $189.13M | $207.81M | $215.54M | $263.94M | $225.82M | $224.58M | $216.80M | $204.67M | $177.76M |
| Operating income | $61.59M | $77.17M | $87.72M | $91.57M | $119.44M | $143.25M | $159.87M | $166.29M | $170.24M | $176.03M | $137.89M | $105.95M | $96.85M | $89.88M | $34.91M | $111.40M | $65.58M | $27.15M | $99.41M | $158.50M |
| Operating margin | 25.3% | 26.4% | 25.3% | 23.4% | 27.1% | 29.1% | 30.4% | 29.5% | 28.4% | 28.8% | 24.7% | 21.6% | 19.3% | 16.5% | 5.9% | 21.1% | 11.2% | 4.4% | 17.3% | 28.1% |
| EBITDA | $66.85M | $83.49M | $90.99M | $99.56M | $127.45M | $151.37M | $161.57M | $174.10M | $177.58M | $183.29M | $144.92M | $113.36M | $105.18M | $98.01M | $47.07M | $123.82M | $77.25M | $38.06M | $110.30M | $164.97M |
| EBITDA margin | 27.5% | 28.6% | 26.3% | 25.4% | 28.9% | 30.8% | 30.7% | 30.9% | 29.6% | 30.0% | 26.0% | 23.1% | 20.9% | 18.0% | 8.0% | 23.5% | 13.2% | 6.2% | 19.2% | 29.2% |
| EBIT | $61.59M | $77.17M | $87.72M | $91.57M | $119.44M | $143.25M | $159.87M | $166.29M | $170.24M | $176.03M | $137.89M | $105.95M | $96.85M | $89.88M | $34.91M | $111.40M | $65.58M | $27.15M | $99.41M | $154.83M |
| Interest expense | $7.14M | $9.60M | $11.57M | $14.89M | $13.88M | $14.77M | $13.90M | $17.39M | $21.20M | $23.30M | $26.85M | $21.50M | $19.09M | $17.93M | $25.90M | $25.70M | $33.42M | $50.46M | $48.23M | $42.71M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $38.51M | $47.90M | $53.00M | $56.49M | $73.66M | $91.25M | $100.69M | $104.09M | $106.61M | $110.83M | $87.40M | $73.60M | $53.69M | $37.24M | $28.16M | $88.28M | $53.92M | $21.23M | $77.35M | $89.74M |
| Net income growth (YoY) | — | +24.4% | +10.6% | +6.6% | +30.4% | +23.9% | +10.4% | +3.4% | +2.4% | +4.0% | -21.1% | -15.8% | -27.1% | -30.6% | -24.4% | +213.5% | -38.9% | -60.6% | +264.3% | +16.0% |
| Profit margin | 15.8% | 16.4% | 15.3% | 14.4% | 16.7% | 18.6% | 19.1% | 18.5% | 17.8% | 18.2% | 15.7% | 15.0% | 10.7% | 6.8% | 4.8% | 16.7% | 9.2% | 3.4% | 13.5% | 15.9% |