World Acceptance Corporation (WRLD)

Name: World Acceptance Corporation Financial Statements
Creator: Quarter Results

Financial Services | Financial Credit Services

Latest reporting period: 2026-03-31

Latest Quarter

2026-03-31

Revenue

$178M

Net Income

$36.5M

Operating Margin

33.4%

Free Cash Flow

$255B

Debt / Assets

70.0%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for World Acceptance Corporation (WRLD).
Income Statement (Quarterly)	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Revenue	177,573,000	141,252,230	134,465,850	132,451,920
Cost of Revenue	4,371,622	51,423,000	64,183,496	60,145,852
Gross Profit	173,201,378	89,829,230	70,282,354	72,306,068
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	83,855,000	111,527,448	59,339,973	57,743,579
Operating Expenses	113,943,378	90,843,000	71,968,396	70,360,252
Operating Income	59,258,000	-1,014,000	-1,686,042	1,945,816
Interest Expense	12,684,000	12,786,000	14,342,594	9,629,883
Income Before Tax	46,574,000	-1,014,000	-1,686,042	1,945,816
Income Tax Expense	10,044,000	-102,000	260,155	601,749
Net Income	36,530,000	-912,000	-1,946,197	1,344,067
Per Share
EPS	7.70	-0.18	-0.38	0.26
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for World Acceptance Corporation (WRLD).
Income Statement (Annual)	2026-03-31	2025-03-31	2025-03-30	2024-03-31	2023-03-31
Revenue	585,742,000	564,842,000	564,842,000	524,981,115	616,557,000
Cost of Revenue	17,974,038	169,215,000	169,215,000	156,973,220	309,926,000
Gross Profit	567,192,662	395,627,000	395,627,000	368,007,895	306,620,000
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	312,466,000	187,981,000	187,981,000	214,604,113	222,901,000
Operating Expenses	472,507,479	237,122,000	237,122,000	264,380,313	275,007,000
Operating Income	94,685,183	158,505,000	158,505,000	151,648,169	27,146,000
Interest Expense	49,443,000	42,710,000	42,710,000	48,232,287	50,463,000
Income Before Tax	45,242,515	111,985,000	111,985,000	99,407,736	27,146,000
Income Tax Expense	10,656,491	22,244,000	22,244,000	22,062,509	5,914,000
Net Income	34,586,024	89,741,000	89,741,000	77,345,227	21,232,000
Per Share
EPS	6.97	16.54	16.54	13.45	3.69
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for World Acceptance Corporation (WRLD).
Balance Sheet (Quarterly)	2026-03-31	2025-03-31	2025-03-30	2024-03-31
Assets
Cash and Cash Equivalents	5,107,000	9,730,296	9,730,000	11,839,000
Short Term Investments	0	0	0	0
Net Receivables	841,877,000	812,968,685	812,969,000	3,091,229
Inventory	0	0	0	0
Total Current Assets	846,984,000	822,698,981	822,699,000	14,930,689
Property Plant Equipment	162,923,000	96,000,620	96,001,000	102,398,435
Goodwill and Intangibles	11,580,000	14,765,372	14,765,000	18,440,524
Total Assets	1,052,148,000	1,007,627,647	1,007,627,000	1,056,351,043
Liabilities
Account Payables	37,996,315	37,065,032	42,365,000	53,974,198
Short Term Debt	0	22,960,545	0	0
Total Current Liabilities	21,805,264	65,548,319	42,588,000	53,974,198
Long Term Debt	661,193,000	502,598,864	525,559,000	577,949,629
Total Liabilities	736,888,416	568,147,183	568,147,000	631,923,827
Shareholders Equity
Retained Earnings	71,562,880,000	173,053,986	0	137,994,264
Total Shareholders Equity	351,005,291	439,480,464	439,480,000	424,427,216

Balance sheet annual history for World Acceptance Corporation (WRLD).
Balance Sheet (Annual)	2026-03-31	2025-03-31	2025-03-30	2024-03-31	2023-03-31
Assets
Cash and Cash Equivalents	5,107,000	9,730,296	9,730,000	11,839,000	16,509,000
Short Term Investments	0	0	0	0	0
Net Receivables	841,877,000	812,968,685	812,969,000	3,091,229	0
Inventory	0	0	0	0	-887,771,977,065
Total Current Assets	846,984,000	822,698,981	822,699,000	14,930,689	16,509,000
Property Plant Equipment	162,923,000	96,000,620	96,001,000	102,398,435	105,215,000
Goodwill and Intangibles	11,580,000	14,765,372	14,765,000	18,440,524	22,662,000
Total Assets	1,052,148,000	1,007,627,647	1,007,627,000	1,056,351,043	1,117,319,000
Liabilities
Account Payables	37,996,315	37,065,032	42,365,000	53,974,198	42,327,154
Short Term Debt	0	22,960,545	0	0	0
Total Current Liabilities	21,805,264	65,548,319	42,588,000	53,974,198	50,560,000
Long Term Debt	661,193,000	502,598,864	525,559,000	577,949,629	678,998,718
Total Liabilities	736,888,416	568,147,183	568,147,000	631,923,827	732,092,000
Shareholders Equity
Retained Earnings	71,562,880,000	173,053,986	0	137,994,264	97,154,898,000
Total Shareholders Equity	351,005,291	439,480,464	439,480,000	424,427,216	385,227,000

Cash flow quarterly history for World Acceptance Corporation (WRLD).
Cash Flow Statement (Quarterly)	2026-03-31	2025-03-31	2025-03-30	2024-03-31
Operating Activities
Net Income	34,586,024,000	89,741,000	89,741,000	77,345,000
Depreciation & Amortization	2,826,325,000	10,135,000	0	10,888,000
Stock Based Compensation	19,342,502,000	-19,689,000	0	-1,683,000
Change in Working Capital	-2,087,485	-7,713,000	0	-1,293,000
Operating Cash Flow	259,358,889,000	254,164,000	0	265,783,000
Investing Activities
Capital Expenditure	-3,882,342,000	-3,684,000	0	-5,933,000
Investments	-3,882,342,000	-3,684,000	0	-5,933,000
Investing Cash Flow	-232,882,761,000	-152,751,000	0	-135,138,000
Financing Activities
Debt Repayment	131,969,204	-48,959,000	0	-98,535,000
Common Stock Issued/Repurchased	-129,683,730	-54,196,000	0	-36,205,000
Dividends Paid	0	0	0	0
Financing Cash Flow	-6,831,894,000	-103,522,000	0	-135,315,000
Summary
Free Cash Flow	255,476,547,000	250,480,000	0	259,851,000
Net Change in Cash	19,644,234,000	-2,109,000	-11,839,460	-4,669,000

Cash flow annual history for World Acceptance Corporation (WRLD).
Cash Flow Statement (Annual)	2026-03-31	2025-03-31	2025-03-30	2024-03-31	2023-03-31
Operating Activities
Net Income	34,586,024,000	89,741,000	89,741,000	77,345,000	21,231,990
Depreciation & Amortization	2,826,325,000	10,135,000	0	10,888,000	10,910,353
Stock Based Compensation	19,342,502,000	-19,689,000	0	-1,683,000	9,052,835
Change in Working Capital	-2,087,485	-7,713,000	0	-1,293,000	-21,480,774
Operating Cash Flow	259,358,889,000	254,164,000	0	265,783,000	291,553,786
Investing Activities
Capital Expenditure	-3,882,342,000	-3,684,000	0	-5,933,000	-5,827,773
Investments	-3,882,342,000	-3,684,000	0	-5,933,000	-5,827,773
Investing Cash Flow	-232,882,761,000	-152,751,000	0	-135,138,000	-180,583,800
Financing Activities
Debt Repayment	131,969,204	-48,959,000	0	-98,535,000	-96,313,689
Common Stock Issued/Repurchased	-129,683,730	-54,196,000	0	-36,205,000	-16,202,170
Dividends Paid	0	0	0	0	0
Financing Cash Flow	-6,831,894,000	-103,522,000	0	-135,315,000	-113,697,373
Summary
Free Cash Flow	255,476,547,000	250,480,000	0	259,851,000	285,726,013
Net Change in Cash	19,644,234,000	-2,109,000	-11,839,460	-4,669,000	-2,727,387