World Acceptance Corporation (WRLD) Key Metrics
WRLD valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $799.9M
- Enterprise value
- $1.41B
- P/E (TTM)
- 21.6 10-yr median 16.5
- Forward P/E
- 9.6
- PEG ratio
- 0.70
- Price / sales
- 1.4 10-yr median 1.4
- Price / book
- 2.2 10-yr median 1.8
- EV / EBITDA
- — 10-yr median 13.2
- Dividend yield
- —
- Beta
- 1.18
WRLD key metrics, FY2017–FY2026
Fiscal year ended March 31, 2026 · U.S. dollarsWRLD valuation Price multiples at each fiscal year-end price.
WRLD returns How much profit the business earns on the capital it uses.
WRLD per-share figures Results divided by the shares outstanding at year-end.
WRLD financial health Debt, liquidity and how easily interest is covered.
WRLD efficiency & capital use Working capital cycle and where the cash goes.
WRLD valuation history
WRLD returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
WRLD debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
WRLD cash returned to shareholders
WRLD price vs earnings per share
WRLD key metrics
FY2017–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $678.7M | $696.9M | $849.9M | $491.3M | $1.22B | $865.8M | $434.3M | $1.08B | $943.3M | $454.8M |
| Enterprise value | $1.33B | $1.22B | $1.42B | $1.15B | $1.98B | $1.35B | $976.6M | $1.32B | $1.16B | $734.7M |
| P/E ratio | 19.6 | 7.8 | 11.0 | 23.1 | 22.6 | 9.8 | 15.4 | 29.0 | 17.6 | 6.2 |
| Price / sales | 1.2 | 1.2 | 1.5 | 0.8 | 2.1 | 1.6 | 0.7 | 2.0 | 1.9 | 0.9 |
| Price / book | 1.9 | 1.6 | 2.0 | 1.3 | 3.3 | 2.1 | 1.1 | 2.0 | 1.7 | 1.0 |
| Price / free cash flow | 2.7 | 2.8 | 3.3 | 1.7 | 4.6 | 4.0 | 1.7 | 4.8 | 4.6 | 2.2 |
| Price / operating cash flow | 2.6 | 2.7 | 3.2 | 1.7 | 4.5 | 3.8 | 1.5 | 4.4 | 4.3 | 2.1 |
| EV / sales | 2.3 | 2.2 | 2.5 | 1.9 | 3.4 | 2.6 | 1.7 | 2.4 | 2.3 | 1.5 |
| EV / EBITDA | 24.6 | 7.4 | 12.8 | 30.3 | 25.7 | 10.9 | 20.7 | 13.5 | 11.0 | 6.5 |
| EV / free cash flow | 5.2 | 4.9 | 5.4 | 4.0 | 7.4 | 6.3 | 3.8 | 5.9 | 5.6 | 3.5 |
| Earnings yield | 5.1% | 12.9% | 9.1% | 4.3% | 4.4% | 10.2% | 6.5% | 3.5% | 5.7% | 16.2% |
| Free cash flow yield | 37.6% | 35.9% | 30.6% | 58.2% | 21.8% | 24.9% | 58.8% | 20.8% | 21.9% | 45.8% |
| Dividend yield | — | — | — | 0.1% | 1.0% | 1.4% | 1.1% | 0.6% | 0.0% | 0.0% |
| Shareholder yield (dividends + buybacks) | 19.5% | 7.8% | 4.3% | 3.0% | 10.2% | 13.3% | 46.5% | 7.5% | 0.5% | 1.1% |
| Share price at fiscal year-end | $135.04 | $126.55 | $144.98 | $83.29 | $191.84 | $129.76 | $54.61 | $117.13 | $105.30 | $51.78 |
| Per share | ||||||||||
| Revenue per share | $116.43 | $102.57 | $97.78 | $104.52 | $91.95 | $79.14 | $74.19 | $59.16 | $56.11 | $55.88 |
| Earnings per share | $6.88 | $16.30 | $13.19 | $3.60 | $8.47 | $13.23 | $3.54 | $4.05 | $5.99 | $8.38 |
| Operating cash flow per share | $51.60 | $46.15 | $45.34 | $49.42 | $42.81 | $34.02 | $35.33 | $26.58 | $24.34 | $24.98 |
| Free cash flow per share | $50.83 | $45.48 | $44.33 | $48.44 | $41.86 | $32.26 | $32.09 | $24.41 | $23.09 | $23.73 |
| Cash per share | $1.21 | $0.86 | $2.02 | $2.80 | $3.02 | $2.36 | $1.46 | $1.01 | $3.58 | $1.73 |
| Book value per share | $69.84 | $79.35 | $72.40 | $65.30 | $58.61 | $60.69 | $51.80 | $59.99 | $60.40 | $52.50 |
| Tangible book value per share | $67.53 | $76.67 | $69.26 | $61.46 | $54.35 | $56.06 | $47.80 | $57.56 | $58.87 | $51.05 |
| Dividends per share | — | — | — | $0.11 | $2.01 | $1.84 | $0.58 | $0.65 | $0.00 | $0.00 |
| Capex per share | $0.77 | $0.67 | $1.01 | $0.99 | $0.95 | $1.75 | $3.24 | $2.18 | $1.25 | $1.25 |
| Debt per share | $131.55 | $95.43 | $98.59 | $115.10 | $122.54 | $74.45 | $69.64 | $27.37 | $27.34 | $33.60 |
| Shares outstanding | 5.0M | 5.5M | 5.9M | 5.9M | 6.4M | 6.7M | 8.0M | 9.2M | 9.0M | 8.8M |
| Change in shares outstanding | −8.7% | −6.1% | −0.6% | −7.3% | −4.6% | −16.1% | −13.6% | +2.7% | +2.0% | −0.3% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 8.8% | 20.8% | 19.1% | 5.6% | 13.9% | 21.6% | 5.8% | 6.8% | 10.7% | 17.3% |
| Return on invested capital (ROIC) | 3.5% | 13.0% | 7.6% | 1.9% | 5.3% | 9.6% | 3.2% | 9.5% | 6.6% | 9.1% |
| Return on assets (ROA) | 3.4% | 8.7% | 7.1% | 1.8% | 5.0% | 8.9% | 3.0% | 4.4% | 6.5% | 9.2% |
| Return on tangible assets | 3.3% | 9.0% | 7.5% | 1.9% | 4.5% | 9.6% | 2.8% | 4.5% | 6.5% | 9.3% |
| Free cash flow margin | 43.7% | 44.3% | 45.3% | 46.3% | 45.5% | 40.8% | 43.3% | 41.3% | 41.2% | 42.5% |
| Income quality (OCF / net income) | 7.50 | 2.83 | 3.44 | 13.73 | 5.05 | 2.57 | 9.98 | 6.57 | 4.06 | 2.98 |
| Financial health | ||||||||||
| Total debt | $661.2M | $525.6M | $577.9M | $679.0M | $779.8M | $496.7M | $553.9M | $251.9M | $244.9M | $295.1M |
| Cash & short-term investments | $6.1M | $4.7M | $11.8M | $16.5M | $19.2M | $15.7M | $11.6M | $9.3M | $32.1M | $15.2M |
| Net debt | $655.1M | $520.8M | $566.1M | $662.5M | $760.6M | $481.0M | $542.2M | $242.6M | $212.8M | $279.9M |
| Debt / equity | 1.88 | 1.20 | 1.36 | 1.76 | 2.09 | 1.23 | 1.34 | 0.46 | 0.45 | 0.64 |
| Debt / assets | 0.63 | 0.52 | 0.55 | 0.61 | 0.64 | 0.52 | 0.54 | 0.29 | 0.29 | 0.37 |
| Net debt / EBITDA | 12.08 | 3.16 | 5.13 | 17.41 | 9.85 | 3.88 | 11.52 | 2.48 | 2.02 | 2.47 |
| Current ratio | 0.77 | 0.23 | 0.28 | 0.33 | 0.33 | 0.38 | 0.20 | 0.24 | 52.10 | 56.78 |
| Quick ratio | 0.77 | 0.23 | 0.28 | — | — | 0.38 | 0.20 | — | 52.10 | 56.78 |
| Interest coverage | 0.9 | 3.7 | 2.1 | 0.5 | 2.0 | 4.3 | 1.3 | 5.0 | 5.1 | 4.9 |
| Working capital | −$8.6M | −$32.9M | −$39.0M | −$34.1M | −$38.8M | −$25.3M | −$47.7M | −$30.0M | $742.73B | $698.38B |
| Invested capital | $1.01B | $957.8M | $990.5M | $1.05B | $1.13B | $885.9M | $954.2M | $794.7M | $753.9M | $741.0M |
| Tangible asset value | $339.4M | $422.2M | $406.0M | $362.6M | $345.9M | $374.0M | $380.1M | $529.7M | $527.4M | $448.4M |
| Net current asset value | −$673.7M | −$561.8M | −$617.0M | −$715.6M | −$826.0M | −$533.6M | −$606.5M | −$293.5M | $756.97B | $710.56B |
| Graham number | $103.99 | $170.57 | $146.61 | $72.72 | $105.71 | $134.42 | $64.24 | $73.89 | $90.25 | $99.49 |
| Graham net-net per share | −$13.06 | $7.80 | −$105.38 | −$75,256.10 | −$77,441.05 | $2.50 | $75,782.17 | $20,492.95 | $60,680.59 | $59,370.85 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | $654,920 | $12.8M | $12.3M | $4.6M | $6.0M | $0 | $0 |
| Share buybacks (net) | $132.4M | $54.2M | $36.2M | $14.3M | $111.1M | $102.5M | $197.4M | $74.5M | $4.6M | $5.0M |
| Dividend payout ratio | — | — | — | 3.1% | 23.7% | 13.9% | 16.4% | 16.1% | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 51.8% | 21.6% | 13.9% | 5.2% | 46.5% | 53.3% | 79.1% | 35.8% | 2.2% | 2.4% |
| Capex / revenue | 0.7% | 0.7% | 1.0% | 0.9% | 1.0% | 2.2% | 4.4% | 3.7% | 2.2% | 2.2% |
| Capex / operating cash flow | 1.5% | 1.4% | 2.2% | 2.0% | 2.2% | 5.1% | 9.2% | 8.2% | 5.1% | 5.0% |
| Capex / depreciation | 0.43 | 0.36 | 0.54 | 0.53 | 0.52 | 0.94 | 2.12 | 2.46 | 1.34 | 1.48 |
| Stock-based compensation / revenue | 3.3% | −3.5% | −0.3% | 1.5% | 3.0% | 3.7% | 4.9% | 3.2% | 1.1% | 1.0% |
| R&D / revenue | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| SG&A / revenue | 42.8% | 33.3% | 37.4% | 36.2% | 41.5% | 46.0% | 48.9% | 43.7% | 45.6% | 41.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 516.1 | 263.7 | 283.6 | 554.5 | 536.2 | 278,295.6 | 482,526.9 | 496,282.0 | 515,868.7 | 521,463.2 |
| Days of inventory on hand | — | — | -789,542.1 | -1,103,075.0 | -818,882.9 | 0.0 | -664,172.5 | -828,920.1 | 0.0 | — |
| Days payables outstanding | 61.6 | 103.9 | 93.0 | 64.0 | 82.3 | 163.6 | 86.7 | 87.6 | 96.5 | 82.1 |
| Cash conversion cycle (days) | 454.5 | 159.8 | -789,351.4 | -1,102,584.4 | -818,429.1 | 278,132.0 | -181,732.3 | -332,725.7 | 515,772.1 | 537,443.7 |
| Receivables turnover | 0.71 | 1.38 | 1.29 | 0.66 | 0.68 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables turnover | 5.92 | 3.51 | 3.93 | 5.71 | 4.43 | 2.23 | 4.21 | 4.17 | 3.78 | 4.45 |
| Inventory turnover | — | — | — | — | — | 111,943,550.00 | — | — | 273,419,550.00 | — |
| Asset turnover | 0.57 | 0.55 | 0.53 | 0.53 | 0.54 | 0.53 | 0.63 | 0.64 | 0.61 | 0.61 |
| Average receivables | $827.4M | $408.0M | $445.4M | $936.7M | $859.6M | $402.57B | $780.01B | $740.40B | $710.44B | $701.22B |
| Average payables | $40.2M | $48.2M | $52.3M | $54.3M | $49.5M | $50.2M | $49.3M | $39.9M | $36.2M | $31.6M |
| Average inventory | — | — | −$443.89B | −$936.63B | −$492.75B | $1 | −$377.81B | −$377.81B | $0 | $6.19B |
| Intangibles / total assets | 1.1% | 1.5% | 1.7% | 2.0% | 2.2% | 3.2% | 3.1% | 2.6% | 1.6% | 1.6% |
Computed from WRLD's annual financial statements (latest annual report filed June 4, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
WRLD valuation and financial ratios
At the end of fiscal 2026 (March 31, 2026), World Acceptance traded at 19.6 times earnings, against a 10-year median of 16.5. Based on the latest twelve months, the trailing P/E is 21.6 and the forward P/E is 9.6. World Acceptance earned a return on equity of 8.8% and a return on invested capital of 3.5% in fiscal 2026. It ended the year with $661.2 million of debt and $6.1 million in cash and short-term investments, net debt of $655.1 million. It returned $132.4 million to shareholders: $0 in dividends and $132.4 million in share buybacks, 52% of free cash flow. The share count fell 42.8% from 8.8M to 5.0M over 9 years.
See the WRLD income statement, the WRLD chart for price history, or the WRLD stock overview for the latest quote and news.
WRLD key metrics FAQ
What is World Acceptance's P/E ratio?
World Acceptance's trailing P/E ratio is 21.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 9.6. At the end of fiscal 2026 it was 19.6, compared with a 10-year median of 16.5.
What is World Acceptance's EV/EBITDA?
World Acceptance's enterprise value was 24.6 times EBITDA at the end of fiscal 2026 (enterprise value $1.3 billion, EBITDA $54.2 million).
What is World Acceptance's return on equity?
World Acceptance's return on equity (ROE) was 8.8% in fiscal 2026: net income of $34.6 million on average shareholders' equity of $394.0 million.
What is World Acceptance's ROIC?
World Acceptance's return on invested capital was 3.5% in fiscal 2026, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does World Acceptance have?
World Acceptance had total debt of $661.2 million at the end of fiscal 2026, a debt-to-equity ratio of 1.88 and $655.1 million of net debt (12.08 times EBITDA).
Does World Acceptance buy back its shares?
Yes. World Acceptance spent $132.4 million on net share repurchases in fiscal 2026 Shares outstanding changed −8.7% over the year, to 5.0M..
What is World Acceptance's free cash flow yield?
World Acceptance generated $255.5 million of free cash flow in fiscal 2026, a free cash flow yield of 37.6% on its market value at year-end ($678.7 million).
What is World Acceptance's current ratio?
World Acceptance's current ratio was 0.77 at the end of fiscal 2026: current assets were 0.77 times current liabilities.