World Accep Corporation Financials
This page shows World Accep Corporation (WRLD) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
World Accep Corporation's revenue declined 1.5% year-over-year, from $573.2M to $564.8M. This contraction results in a growth score of 24/100.
World Accep Corporation carries a low D/E ratio of 1.02, meaning only $1.02 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 73/100, indicating a strong balance sheet with room for future borrowing.
World Accep Corporation converts 44.4% of revenue into free cash flow ($250.5M). This strong cash generation earns a score of 100/100.
World Accep Corporation earns a strong 20.4% return on equity (ROE), meaning it generates $20 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 82/100. This is up from 18.2% the prior year.
World Accep Corporation passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, World Accep Corporation generates $2.83 in operating cash flow ($254.2M OCF vs $89.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
World Accep Corporation generated $564.8M in revenue in fiscal year 2025. This represents a decrease of 1.5% from the prior year.
World Accep Corporation generated $250.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 3.6% from the prior year.
World Accep Corporation reported $89.7M in net income in fiscal year 2025. This represents an increase of 16.0% from the prior year.
World Accep Corporation earned $16.30 per diluted share (EPS) in fiscal year 2025. This represents an increase of 23.6% from the prior year.
World Accep Corporation held $4.7M in cash against $447.9M in long-term debt as of fiscal year 2025.
World Accep Corporation had 5M shares outstanding in fiscal year 2025. This represents a decrease of 9.5% from the prior year.
World Accep Corporation's net profit margin was 15.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.4 percentage points from the prior year.
World Accep Corporation's ROE was 20.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.2 percentage points from the prior year.
World Accep Corporation spent $54.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 49.7% from the prior year.
World Accep Corporation invested $3.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 37.9% from the prior year.
WRLD Income Statement
| Metric | Q3'26 | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $141.3M0.0% | $141.3M+5.0% | $134.5M+1.5% | $132.5M-4.5% | $138.6M+5.5% | $131.4M+1.5% | $129.5M-6.0% | $137.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $78.1M0.0% | $78.1M+8.5% | $72.0M+2.3% | $70.4M+4.7% | $67.2M+45.0% | $46.4M-24.5% | $61.4M-6.8% | $65.9M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $12.8M0.0% | $12.8M-10.9% | $14.3M+48.9% | $9.6M-14.7% | $11.3M+8.0% | $10.5M+7.0% | $9.8M-16.4% | $11.7M |
| Income Tax | $102K+200.0% | -$102K-139.2% | $260K-56.8% | $602K-77.1% | $2.6M-54.8% | $5.8M+94.6% | $3.0M+4.4% | $2.9M |
| Net Income | $911K+200.0% | -$911K+53.2% | -$1.9M-244.8% | $1.3M-90.0% | $13.4M-39.5% | $22.1M+122.5% | $9.9M-40.3% | $16.7M |
| EPS (Diluted) | $0.19+200.0% | $-0.19+50.0% | $-0.38-252.0% | $0.25-89.8% | $2.45-38.6% | $3.99+122.9% | $1.79-37.0% | $2.84 |
WRLD Balance Sheet
| Metric | Q3'26 | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B0.0% | $1.1B+7.5% | $1.1B+3.7% | $1.0B-7.8% | $1.1B+5.8% | $1.0B+0.1% | $1.0B-6.4% | $1.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $10.0M0.0% | $10.0M-32.8% | $14.9M+83.1% | $8.1M-21.1% | $10.3M+5.7% | $9.7M-12.4% | $11.1M-13.0% | $12.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M |
| Total Liabilities | $790.8M0.0% | $790.8M+13.5% | $696.7M+16.9% | $596.2M-12.6% | $682.3M+8.0% | $631.7M+0.9% | $625.8M-12.2% | $712.5M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $677.2M0.0% | $677.2M+15.8% | $584.6M+23.7% | $472.5M-15.8% | $561.2M+10.8% | $506.6M+2.4% | $494.7M-15.8% | $587.7M |
| Total Equity | $351.6M0.0% | $351.6M-3.8% | $365.6M-14.5% | $427.9M-0.1% | $428.2M+2.6% | $417.5M-1.2% | $422.6M+3.8% | $407.0M |
| Retained Earnings | $76.1M0.0% | $76.1M-17.4% | $92.1M-42.9% | $161.4M+0.2% | $161.1M+8.3% | $148.7M+8.8% | $136.7M+11.9% | $122.1M |
WRLD Cash Flow Statement
| Metric | Q3'26 | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $164.8M+184.2% | $58.0M+19.2% | $48.6M-16.4% | $58.2M-4.8% | $61.1M+13.6% | $53.8M+11.1% | $48.4M-17.8% | $58.9M |
| Capital Expenditures | $2.8M+242.2% | $808K-12.0% | $918K-11.6% | $1.0M+51.5% | $686K-34.4% | $1.0M-3.6% | $1.1M-11.2% | $1.2M |
| Free Cash Flow | $162.0M+183.4% | $57.2M+19.8% | $47.7M-16.5% | $57.1M-5.5% | $60.4M+14.6% | $52.7M+11.4% | $47.3M-17.9% | $57.7M |
| Investing Cash Flow | $254.2M+342.6% | -$104.8M-29.2% | -$81.1M-18.9% | -$68.3M+36.1% | -$106.8M-83.6% | -$58.2M-62.2% | -$35.9M+48.8% | -$70.0M |
| Financing Cash Flow | $121.9M+64.4% | $74.2M+88.9% | $39.3M+361.3% | $8.5M-83.5% | $51.5M+1600.5% | $3.0M+122.8% | -$13.3M-358.1% | $5.1M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $94.6M+531.0% | $15.0M-77.5% | $66.6M+413.7% | $13.0M+1140.0% | $1.0M-89.5% | $10.0M-10.3% | $11.1M-35.5% | $17.3M |
WRLD Financial Ratios
| Metric | Q3'26 | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 0.7%+1.3pp | -0.7%+0.8pp | -1.5%-2.5pp | 1.0%-8.7pp | 9.7%-7.2pp | 16.8%+9.2pp | 7.7%-4.4pp | 12.1% |
| Return on Equity | 0.3% | N/A | N/A | 0.3%-2.8pp | 3.1%-2.2pp | 5.3%+2.9pp | 2.4%-1.7pp | 4.1% |
| Return on Assets | 0.1%+0.2pp | -0.1%+0.1pp | -0.2%-0.3pp | 0.1%-1.1pp | 1.2%-0.9pp | 2.1%+1.2pp | 0.9%-0.5pp | 1.5% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 1.930.0 | 1.93+0.3 | 1.60+0.5 | 1.10-0.2 | 1.31+0.1 | 1.21+0.0 | 1.17-0.3 | 1.44 |
| FCF Margin | 114.7%+74.2pp | 40.5%+5.0pp | 35.5%-7.6pp | 43.1%-0.5pp | 43.6%+3.5pp | 40.1%+3.6pp | 36.5%-5.3pp | 41.9% |
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Frequently Asked Questions
What is World Accep Corporation's annual revenue?
World Accep Corporation (WRLD) reported $564.8M in total revenue for fiscal year 2025. This represents a -1.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is World Accep Corporation's revenue growing?
World Accep Corporation (WRLD) revenue declined by 1.5% year-over-year, from $573.2M to $564.8M in fiscal year 2025.
Is World Accep Corporation profitable?
Yes, World Accep Corporation (WRLD) reported a net income of $89.7M in fiscal year 2025, with a net profit margin of 15.9%.
What is World Accep Corporation's earnings per share (EPS)?
World Accep Corporation (WRLD) reported diluted earnings per share of $16.30 for fiscal year 2025. This represents a 23.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does World Accep Corporation have?
As of fiscal year 2025, World Accep Corporation (WRLD) had $4.7M in cash and equivalents against $447.9M in long-term debt.
What is World Accep Corporation's net profit margin?
World Accep Corporation (WRLD) had a net profit margin of 15.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is World Accep Corporation's return on equity (ROE)?
World Accep Corporation (WRLD) has a return on equity of 20.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is World Accep Corporation's free cash flow?
World Accep Corporation (WRLD) generated $250.5M in free cash flow during fiscal year 2025. This represents a -3.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is World Accep Corporation's operating cash flow?
World Accep Corporation (WRLD) generated $254.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are World Accep Corporation's total assets?
World Accep Corporation (WRLD) had $1.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are World Accep Corporation's capital expenditures?
World Accep Corporation (WRLD) invested $3.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does World Accep Corporation buy back shares?
Yes, World Accep Corporation (WRLD) spent $54.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does World Accep Corporation have outstanding?
World Accep Corporation (WRLD) had 5M shares outstanding as of fiscal year 2025.
What is World Accep Corporation's debt-to-equity ratio?
World Accep Corporation (WRLD) had a debt-to-equity ratio of 1.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is World Accep Corporation's return on assets (ROA)?
World Accep Corporation (WRLD) had a return on assets of 8.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is World Accep Corporation's Piotroski F-Score?
World Accep Corporation (WRLD) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are World Accep Corporation's earnings high quality?
World Accep Corporation (WRLD) has an earnings quality ratio of 2.83x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is World Accep Corporation?
World Accep Corporation (WRLD) scores 70 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.