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World Acceptance Corporation engages in consumer finance business in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides income tax return preparation and electronic filing services; and automobile club memberships. The company serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $522M | - | $90M | $250M | 20.4% | -0.5% | 16.0% |
| 2024 | $525M | - | $77M | $260M | 18.2% | -7.3% | 264.3% |
| 2023 | $566M | - | $21M | $286M | 5.5% | 2.6% | -60.6% |
| 2022 | $552M | - | $54M | $266M | 14.5% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 551.76 | 566.08 | 524.98 | 522.13 |
| Pretax Income | 65.58 | 27.15 | 99.41 | 111.99 |
| Tax Provision | 11.66 | 5.91 | 22.06 | 22.24 |
| Net Income | 53.92 | 21.23 | 77.35 | 89.74 |
| Net Income Common Stockholders | 53.92 | 21.23 | 77.35 | 89.74 |
| Interest Expense | 33.42 | 50.46 | 48.23 | 42.71 |
| Interest Income | 485.67 | 508.34 | 468.53 | 465.09 |
| Selling General And Administration | 242.88 | 222.90 | 214.60 | 187.98 |
| Normalized Income | 53.92 | 21.23 | 77.35 | 89.74 |
| Market Cap | 762.36 | 762.36 | 762.36 | 762.36 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| World Acceptance Corporationthis co. | WRLD | $816M | 8.50↓ discount | 1.73 | 20.4% | - |
| Ridgepost Capital, Inc | RPC | $842M | 45.00 | 2.39 | 4.8% | 10.84 |
| Mid Penn Bancorp, Inc. | MPB | $840M | 15.06 | 0.94 | 6.9% | - |
| Farmers National Banc Corp. | FMNB | $824M | 9.60 | 1.08 | 11.2% | - |
| Root, Inc. | ROOT |
| $821M |
| 21.99 |
| 2.83 |
| 14.2% |
| 6.98 |
| Camden National Corporation | CAC | $811M | 10.21 | 1.17 | 9.4% | - |
| First Community Bankshares, Inc. | FCBC | $804M | 16.14 | 1.56 | 9.7% | - |
| Capital City Bank Group, Inc. | CCBG | $788M | 13.05 | 1.41 | 11.1% | - |
| OppFi Inc. | OPFI | $785M | 9.28 | 4.29 | 8.5% | - |
| Peer Median | - | 14.06 | 1.48 | 9.6% | 8.91 | |