World Acceptance Corporation (WRLD) Balance Sheet
WRLD balance sheet, FY2026
March 31, 2026 · U.S. dollars$1.05B assets = $703.1M liabilities + $351.0M equity
Both columns are drawn to the same scale: what WRLD owns equals what it owes plus shareholders’ equity. Hover a block for its value.
WRLD financial health
Descriptive bands, not a rating. Fiscal FY2026.
WRLD balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $800.6MFY2017 | $1.05BFY2026 | +3.1%/yr | |
| Total liabilities | $339.5MFY2017 | $703.1MFY2026 | +8.4%/yr | |
| Shareholders’ equity | $461.1MFY2017 | $351.0MFY2026 | −3.0%/yr | |
| Cash & short-term investments | $15.2MFY2017 | $6.1MFY2026 | −9.7%/yr | |
| Total debt | $295.1MFY2017 | $661.2MFY2026 | +9.4%/yr | |
| Net cash (debt) | −$279.9MFY2017 | −$655.1MFY2026 | −$375.2M | |
| Working capital | $698.38BFY2017 | −$8.6MFY2026 | −$698.4B | |
| Book value per share | $52.50FY2017 | $69.84FY2026 | +3.2%/yr | |
| Current ratio | 56.78FY2017 | 0.77FY2026 | −56.01 | |
| Debt / equity | 0.64FY2017 | 1.88FY2026 | +1.24 | |
| Shares outstanding | 8.8MFY2017 | 5.0MFY2026 | −6.0%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
WRLD assets
WRLD liabilities and equity
WRLD debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
WRLD balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $6.1M | $4.7M | $11.8M | $16.5M | $19.2M | $15.7M | $11.6M | $9.3M | $32.1M | $15.2M |
| Cash & equivalents | $6.1M | $4.7M | $11.8M | $16.5M | $19.2M | $15.7M | $11.6M | $9.3M | $32.1M | $15.2M |
| Short-term investments | — | — | — | — | $322 | — | — | $433 | $304 | $410 |
| Receivables | $841.9M | $813.0M | $3.1M | $887.8M | $985.5M | $733.7M | $804.40B | $755.62B | $725.18B | $695.70B |
| Inventory | $0 | $0 | $1 | −$887.77B | −$985.50B | $1 | $1 | −$755.61B | $1 | $0 |
| Other current assets | $0 | $0 | $0 | $886.88B | $984.51B | $0 | $0 | $0 | $32.05B | $15.19B |
| Total current assets | $29.4M | $9.7M | $14.9M | $16.5M | $19.2M | $15.7M | $11.6M | $9.3M | $757.27B | $710.90B |
| Property, plant & equipment (net) | $89.0M | $96.0M | $102.4M | $105.2M | $110.7M | $116.4M | $126.4M | $25.4M | $25.6M | $24.2M |
| Goodwill & intangible assets | $11.6M | $14.8M | $18.4M | $22.7M | $27.1M | $30.9M | $31.8M | $22.4M | $13.7M | $12.7M |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $733.7M | $804.4M | $755.6M | $725.2M | $695.7M |
| Other non-current assets | $924.2M | $888.0M | $920.6M | $972.9M | $1.06B | $57.6M | $55.8M | $42.2M | $0 | $0 |
| Total assets | $1.05B | $1.01B | $1.06B | $1.12B | $1.22B | $954.3M | $1.03B | $855.0M | $841.0M | $800.6M |
| Liabilities | ||||||||||
| Accounts payable | $38.0M | $42.4M | $54.0M | $50.6M | $58.0M | $41.0M | $59.3M | $39.4M | $40.4M | $31.9M |
| Short-term debt | — | $23.0M | $22.6M | $23.2M | $80,067 | $25.7M | $22.4M | — | $244.9M | $295.1M |
| Deferred revenue | $3.93B | — | — | $27.4M | $33.9M | $15.3M | $37.4M | −$251.9M | −$244.9M | −$295.1M |
| Total current liabilities | $38.0M | $42.6M | $54.0M | $50.6M | $58.0M | $41.0M | $59.3M | $39.4M | $14.53B | $12.52B |
| Long-term debt | $587.2M | $446.9M | $496.0M | $595.3M | $692.4M | $405.0M | $451.1M | $251.9M | $244.9M | $295.1M |
| Lease obligations | $74.0M | $78.7M | $81.9M | $83.7M | $87.5M | $91.7M | $102.8M | — | — | — |
| Other long-term liabilities | $77.9M | $82.0M | $81.9M | $86.3M | $94.9M | $103.3M | $107.7M | $11.6M | $285.10B | $326.71B |
| Total liabilities | $703.1M | $571.5M | $631.9M | $732.1M | $845.3M | $549.3M | $618.1M | $302.9M | $299.9M | $339.5M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | — | $439.5M | $424.4M | — | $373.0M | $404.9M | $414.5M | $552.1M | $0 | $0 |
| Retained earnings (deficit) | $71.6M | $170.6M | $138.0M | $97.2M | $92.1M | $149.3M | $184.7M | $354.0M | $391.3M | $344.6M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | — | — | $424.4M | $385.2M | $373.0M | $0 | $0 | $552.1M | −$26.1M | −$27.8M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $351.0M | $437.0M | $424.4M | $385.2M | $373.0M | $404.9M | $412.0M | $552.1M | $541.1M | $461.1M |
| Key figures | ||||||||||
| Total debt | $661.2M | $525.6M | $577.9M | $679.0M | $779.8M | $496.7M | $553.9M | $251.9M | $244.9M | $295.1M |
| Net cash (debt) | −$655.1M | −$520.8M | −$566.1M | −$662.5M | −$760.6M | −$481.0M | −$542.2M | −$242.6M | −$212.8M | −$279.9M |
| Working capital | −$8.6M | −$32.9M | −$39.0M | −$34.1M | −$38.8M | −$25.3M | −$47.7M | −$30.0M | $742.73B | $698.38B |
| Tangible book value | $339.4M | $422.2M | $406.0M | $362.6M | $345.9M | $374.0M | $380.1M | $529.7M | $527.4M | $448.4M |
| Book value per share | $69.84 | $79.35 | $72.40 | $65.30 | $58.61 | $60.69 | $51.80 | $59.99 | $60.40 | $52.50 |
| Shares outstanding | 5.0M | 5.5M | 5.9M | 5.9M | 6.4M | 6.7M | 8.0M | 9.2M | 9.0M | 8.8M |
| Current ratio | 0.77 | 0.23 | 0.28 | 0.33 | 0.33 | 0.38 | 0.20 | 0.24 | 52.10 | 56.78 |
| Quick ratio | 22.32 | 19.20 | 0.28 | 17.89 | 17.31 | 18.26 | 13,565.47 | 19,187.64 | 49.89 | 55.57 |
| Debt / equity | 1.88 | 1.20 | 1.36 | 1.76 | 2.09 | 1.23 | 1.34 | 0.46 | 0.45 | 0.64 |
| Equity / assets | 33.3% | 43.3% | 40.2% | 34.5% | 30.6% | 42.4% | 40.0% | 64.6% | 64.3% | 57.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $10.4M | $6.1M | $10.0M | $14.9M | $8.1M | $4.7M | $15.6M | $9.7M | $11.1M | $11.8M | $12.8M | $18.8M |
| Cash & equivalents | $10.4M | $6.1M | $10.0M | $14.9M | $8.1M | $4.7M | $15.6M | $9.7M | $11.1M | $11.8M | $12.8M | $18.8M |
| Short-term investments | — | — | — | — | — | — | $15.57B | $9.7M | — | — | $12.76B | — |
| Receivables | $844.7M | $841.9M | $913.1M | $11.6M | $7.6M | $813.0M | $7.2M | $842.7M | $4.0M | $3.1M | $1.7M | $880.31B |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1 | $907.24B | −$880.29B |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $834.8M | $847.4M | $0 | $0 |
| Total current assets | $28.0M | $29.4M | $42.2M | $14.9M | $8.1M | $9.7M | $22.8M | $852.5M | $849.9M | $862.4M | $920.0M | $18.8M |
| Property, plant & equipment (net) | $90.0M | $89.0M | $90.1M | $91.5M | $93.7M | $96.0M | $99.4M | $184.9M | $103.1M | $102.4M | $103.2M | $104.1M |
| Goodwill & intangible assets | $10.8M | $11.6M | $12.3M | $13.1M | $13.9M | $14.8M | $15.7M | $16.5M | $17.4M | $18.4M | $19.5M | $20.5M |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other non-current assets | $950.3M | $924.2M | $997.7M | $942.8M | $908.3M | $888.0M | $972.6M | $0 | $78.0M | $112.7M | $76.8M | $962.3M |
| Total assets | $1.08B | $1.05B | $1.14B | $1.06B | $1.02B | $1.01B | $1.11B | $1.05B | $1.05B | $1.10B | $1.12B | $1.11B |
| Liabilities | ||||||||||||
| Accounts payable | $65.3M | $38.0M | $38.8M | $36.6M | $47.4M | $42.4M | $41.3M | $43.9M | $49.9M | $48.5M | $45.0M | $49.8M |
| Short-term debt | — | — | — | $11.8M | — | $23.0M | $6.2M | $24.1M | $17.6M | $22.6M | $6.1M | $11.9M |
| Deferred revenue | $3.5M | $3.93B | — | — | — | — | — | — | −$32 | — | $39.0M | $37.9M |
| Total current liabilities | $65.3M | $38.0M | $38.8M | $36.6M | $47.4M | $42.6M | $47.4M | $43.9M | $49.9M | $54.0M | $45.0M | $49.8M |
| Long-term debt | $572.8M | $587.2M | $677.2M | $584.6M | $471.7M | $446.9M | $559.9M | $504.9M | $492.7M | $496.0M | $585.0M | $560.9M |
| Lease obligations | $75.2M | $74.0M | $74.7M | $75.5M | $77.1M | $78.7M | $81.2M | $82.9M | $83.1M | $81.9M | $82.5M | $82.9M |
| Other long-term liabilities | $78.8M | $77.9M | $74.7M | $75.5M | $77.1M | $82.0M | $75.0M | $82.9M | $83.1M | $81.9M | $82.5M | $82.9M |
| Total liabilities | $716.9M | $703.1M | $790.8M | $696.7M | $596.2M | $571.5M | $682.3M | $631.7M | $625.8M | $671.4M | $712.5M | $695.7M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $362.2M | — | — | — | — | $439.5M | — | — | $422.6M | $424.4M | — | $410.0M |
| Retained earnings (deficit) | $75.5M | $71.6M | $76.1M | $92.1M | $161.4M | $170.6M | $161.1M | $148.7M | $136.7M | $138.0M | $122.1M | $122.8M |
| Accumulated other comprehensive income | — | — | — | — | — | — | $0 | $0 | $0 | — | — | $0 |
| Total shareholders' equity | $362.2M | $351.0M | $351.6M | $365.6M | $427.9M | $437.0M | $428.2M | $417.5M | $422.6M | $424.4M | $407.0M | $410.0M |
| Key figures | ||||||||||||
| Total debt | $648.1M | $661.2M | $751.9M | $660.1M | $548.8M | $525.6M | $641.1M | $504.9M | $575.9M | $577.9M | $667.5M | $643.9M |
| Net cash (debt) | −$637.7M | −$655.1M | −$741.9M | −$645.2M | −$540.7M | −$520.8M | −$625.5M | −$495.2M | −$564.8M | −$566.1M | −$654.7M | −$625.1M |
| Working capital | −$37.3M | −$8.6M | $3.4M | −$21.8M | −$39.3M | −$32.9M | −$24.7M | $808.6M | $800.0M | $808.4M | $875.0M | −$31.1M |
| Tangible book value | $351.4M | $339.4M | $339.3M | $352.5M | $413.9M | $422.2M | $412.5M | $401.0M | $405.2M | $406.0M | $387.5M | $389.5M |
| Book value per share | $79.06 | $73.97 | $69.97 | $70.89 | $80.89 | $80.24 | $78.36 | $75.24 | $75.90 | $73.76 | $69.46 | $69.04 |
| Shares outstanding | 4.6M | 4.7M | 5.0M | 5.2M | 5.3M | 5.4M | 5.5M | 5.5M | 5.6M | 5.8M | 5.9M | 5.9M |
| Current ratio | 0.43 | 0.77 | 1.09 | 0.41 | 0.17 | 0.23 | 0.48 | 19.42 | 17.02 | 15.98 | 20.42 | 0.38 |
| Quick ratio | 13.10 | 22.32 | 23.76 | 0.72 | 0.33 | 19.20 | 0.48 | 19.42 | 0.30 | 0.28 | 0.32 | 17,660.61 |
| Debt / equity | 1.79 | 1.88 | 2.14 | 1.81 | 1.28 | 1.20 | 1.50 | 1.21 | 1.36 | 1.36 | 1.64 | 1.57 |
| Equity / assets | 33.6% | 33.3% | 30.8% | 34.4% | 41.8% | 43.3% | 38.6% | 39.8% | 40.3% | 38.7% | 36.4% | 37.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed June 4, 2026); data from EODHD.
WRLD financial position
At the end of fiscal 2026 (March 31, 2026), World Acceptance had total assets of $1.1 billion (up 4.5% from a year earlier), total liabilities of $703.1 million and shareholders' equity of $351.0 million. It held $6.1 million in cash and short-term investments against $661.2 million of debt, net debt of $655.1 million. Its current ratio was 0.77. In the latest quarter (ended June 30, 2026) total assets were $1.1 billion and equity $362.2 million.
Related: WRLD income statement, WRLD cash flow statement, WRLD key metrics. See the WRLD stock overview for the latest quote and news.
WRLD balance sheet FAQ
What are World Acceptance's total assets?
World Acceptance reported total assets of $1.1 billion at the end of fiscal 2026 (March 31, 2026), compared with $1.0 billion a year earlier.
How much debt does World Acceptance have?
World Acceptance had $661.2 million of total debt at the end of fiscal 2026, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 1.88.
How much cash does World Acceptance have?
World Acceptance held $6.1 million in cash and short-term investments at the end of fiscal 2026; with $661.2 million of debt that is net debt of $655.1 million.
What is World Acceptance's book value?
World Acceptance's shareholders' equity (book value) was $351.0 million at the end of fiscal 2026, or $69.84 per share.
What is World Acceptance's current ratio?
World Acceptance had current assets of $29.4 million and current liabilities of $38.0 million, a current ratio of 0.77 (current liabilities exceed current assets).
How much goodwill does World Acceptance have?
World Acceptance carried $11.6 million of goodwill and intangible assets, 1.1% of total assets, at the end of fiscal 2026.