WORLD ACCEPTANCE CORP financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
WRLD on Nasdaq
Location
Greenville, SC
Fiscal year end
31 March
Latest financial report
09 Feb 2026

Latest SEC snapshot (2026-02-03) highlights Return On Equity 11.0%, Return On Assets 3.8%, and Revenues YoY 2.6%.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

20.2/100

Weak Confidence low

Return On Equity

11%

Metric score 17.5/100

Return On Assets

3.8%

Metric score 22.5/100

Financial Health

Strengths

No strong signals yet.

Watchpoints

Return On Equity, Return On Assets, and NetIncomeLoss YoY

Key metrics snapshot

Return On Equity

11%

YoY: -43%

Industry median: 12% (n=16)

View history

Return On Assets

3.8%

YoY: -47%

Industry median: 2.3% (n=16)

View history

NetIncomeLoss YoY

-47%

YoY:

Industry median: 58% (n=16)

View history

Profitability

Metric Latest value YoY change
Return On Equity 11% -43%
Return On Assets 3.8% -47%

Financial Health

Metric Latest value YoY change
Debt-to-equity 1.67x +10%

Growth

Metric Latest value YoY change
Revenues YoY 2.6%
NetIncomeLoss YoY -47%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 4,936,879 -14%
Common Stock, Shares, Outstanding 4,939,105 -15%
Common Stock, Value, Issued $0
Weighted Average Number of Shares Outstanding, Basic 4,759,405 -12%
Weighted Average Number of Shares Outstanding, Diluted 4,759,405 -13%

Additional Metrics

Metric Latest value YoY change
General and Administrative Expense $286,325,348 +16%
Costs and Expenses $519,077,852 +14%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $54,363,989 -47%
Income Tax Expense (Benefit) $11,599,859 -49%
Earnings Per Share, Basic 8.02 -45%
Earnings Per Share, Diluted 7.81 -45%
Cash and Cash Equivalents, at Carrying Value $10,000,070 -2.9%
Deferred Income Tax Assets, Net $32,106,174 +0.43%
Property, Plant and Equipment, Net $17,850,427 -13%
Operating Lease, Right-of-Use Asset $72,272,797 -8.3%
Intangible Assets, Net (Excluding Goodwill) $4,977,897 -40%
Goodwill $7,370,791 0%
Assets $1,142,378,711 +2.9%
Liabilities $790,776,529 +16%
Retained Earnings (Accumulated Deficit) $76,149,548 -53%
Stockholders' Equity Attributable to Parent $351,602,182 -18%
Liabilities and Equity $1,142,378,711 +2.9%
Common Stock, Shares Authorized 95,000,000 0%
Common Stock, Shares, Issued 4,939,105 -15%
Operating Lease, Liability $74,693,579 -8%
Lessee, Operating Lease, Liability, to be Paid $93,257,400 -7.6%
Lessee, Operating Lease, Liability, to be Paid, Year Two $17,400,974 -3.1%
Lessee, Operating Lease, Liability, to be Paid, Year One $21,027,480 -6%
Operating Lease, Weighted Average Discount Rate, Percent 0.074 +8.8%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $18,563,821 -5.9%
Lessee, Operating Lease, Liability, to be Paid, Year Three $13,117,415 -9.7%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 5,000,000 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four $9,389,802 -11%
Operating Lease, Payments $25,026,215 -0.92%
Additional Paid in Capital $275,452,634 +3.1%
Preferred Stock, Shares Outstanding 0
Amortization of Intangible Assets $3,323,589 -16%
Interest Expense $47,948,231 +11%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%