World Accep Corporation Financials
World Accep Corporation (WRLD) reported $585.2M in revenue for fiscal year 2026, up 3.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Cash generation remains durable even as reported profit and leverage swing, showing a business financed through continual capital recycling rather than cash accumulation.
From FY2025 to FY2026, net income fell from$89.2M to$34.6M , a much sharper drop than the top line would suggest. Even so, operating cash flow still held near$259M and capex was only$3.9M , meaning accounting earnings were far more volatile than cash extraction from the asset base.
Through FY2025 the company was quietly reducing balance-sheet strain, as long-term debt trended down and debt to equity eased to 1.0x, which gave equity more room to absorb shocks. FY2026 reversed that posture: long-term debt climbed to
The cash balance stayed unusually lean at just
Financial Health Signals
World Accep Corporation does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
World Accep Corporation passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, World Accep Corporation generates $7.50 in operating cash flow ($259.4M OCF vs $34.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
World Accep Corporation generated $585.2M in revenue in fiscal year 2026. This represents an increase of 3.7% from the prior year.
World Accep Corporation reported $34.6M in net income in fiscal year 2026. This represents a decrease of 61.2% from the prior year.
World Accep Corporation earned $6.88 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 57.6% from the prior year.
Not reported for fiscal year 2026.
Cash & Balance Sheet
World Accep Corporation generated $255.5M in free cash flow in fiscal year 2026, representing cash available after capex. This represents an increase of 2.0% from the prior year.
World Accep Corporation held $6.1M in cash against $587.2M in long-term debt as of fiscal year 2026.
Not reported for fiscal year 2026.
Margins & Returns
World Accep Corporation's net profit margin was 5.9% in fiscal year 2026, showing the share of revenue converted to profit. This is down 9.9 percentage points from the prior year.
World Accep Corporation's ROE was 9.8% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 10.6 percentage points from the prior year.
Not reported for fiscal year 2026.
Not reported for fiscal year 2026.
Capital Allocation
World Accep Corporation spent $132.4M on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 144.3% from the prior year.
World Accep Corporation invested $3.9M in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents an increase of 5.4% from the prior year.
Not reported for fiscal year 2026.
WRLD Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $591.6M | $585.2M+3.7% | $564.2M-1.5% | $572.8M-7.1% | $616.5M+5.4% | $585.2M+10.8% | $528.0M-10.5% | $590.0M+8.4% | $544.5M+8.3% | $502.7M+2.4% | $490.8M-12.0% | $557.5M-8.6% | $610.2M+1.8% | $599.3M+6.3% | $563.6M+4.3% | $540.2M |
| SG&A Expenses | $307.6M | $301.9M+25.3% | $240.9M-10.3% | $268.6M-3.9% | $279.5M-6.8% | $300.0M-1.5% | $304.6M-12.3% | $347.5M+20.5% | $288.3M+7.1% | $269.1M+10.2% | $244.3M-9.2% | $269.1M-7.8% | $292.1M+3.8% | $281.2M+5.9% | $265.6M+1.9% | $260.7M |
| Interest Expense | $51.2M | $49.4M+15.8% | $42.7M-11.5% | $48.2M-4.4% | $50.5M+51.0% | $33.4M+30.1% | $25.7M-0.8% | $25.9M+44.4% | $17.9M-6.1% | $19.1M-11.2% | $21.5M-19.9% | $26.8M+15.2% | $23.3M+9.9% | $21.2M+21.9% | $17.4M+25.1% | $13.9M |
| Income Tax | $11.8M | $10.7M-51.7% | $22.1M+0.5% | $22.0M+271.3% | $5.9M-49.3% | $11.7M-49.6% | $23.1M+242.4% | $6.8M-57.8% | $16.0M-66.5% | $47.8M+25.2% | $38.2M-24.4% | $50.5M-22.6% | $65.2M+2.5% | $63.6M+2.3% | $62.2M+5.1% | $59.2M |
| Net Income | $39.1M | $34.6M-61.2% | $89.2M+15.8% | $77.0M+262.9% | $21.2M-60.6% | $53.9M-38.9% | $88.3M+213.5% | $28.2M-24.4% | $37.2M-30.6% | $53.7M-27.1% | $73.6M-15.8% | $87.4M-21.1% | $110.8M+4.0% | $106.6M+2.4% | $104.1M+3.4% | $100.7M |
| EPS (Diluted) | $8.31 | $6.88-57.6% | $16.21+23.4% | $13.14+265.0% | $3.60-57.5% | $8.47-36.0% | $13.23+273.7% | $3.54-12.6% | $4.05-32.4% | $5.99-28.5% | $8.38-16.6% | $10.05-15.5% | $11.90+24.0% | $9.60+20.0% | $8.00+21.4% | $6.59 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q2 FY2026 through Q1 FY2027, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
WRLD Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B+4.5% | $1.0B-4.5% | $1.1B-5.5% | $1.1B-8.3% | $1.2B+27.7% | $954.3M-7.4% | $1.0B+20.5% | $855.0M+1.7% | $841.0M+5.0% | $800.6M-0.7% | $806.2M-6.9% | $866.1M+1.9% | $850.0M+5.0% | $809.3M+10.1% | $735.0M |
| Cash & Equivalents | $6.1M+28.8% | $4.7M-8.9% | $5.2M-68.7% | $16.5M-14.2% | $19.2M+22.2% | $15.7M+35.5% | $11.6M+24.5% | $9.3M-25.2% | $12.5M+7.7% | $11.6M+43.1% | $8.1M-78.9% | $38.3M0.0% | $38.3M+229.8% | $11.6M+8.0% | $10.8M |
| Goodwill | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M0.0% | $7.4M+4.8% | $7.0M0.0% | $7.0M+15.9% | $6.1M-0.9% | $6.1M0.0% | $6.1M+2.6% | $6.0M+1.2% | $5.9M+3.6% | $5.7M |
| Total Liabilities | $703.1M+23.0% | $571.5M-9.6% | $631.9M-13.7% | $732.1M-13.4% | $845.3M+53.9% | $549.3M-11.1% | $618.1M+104.1% | $302.9M+1.0% | $299.9M-11.7% | $339.5M-18.1% | $414.3M-24.7% | $550.6M+1.5% | $542.7M+22.5% | $442.9M+40.1% | $316.1M |
| Long-Term Debt | $587.2M+31.1% | $447.9M-10.1% | $498.4M-16.8% | $598.8M-14.1% | $697.0M+72.1% | $405.0M-10.2% | $451.1M+79.1% | $251.9M+2.9% | $244.9M-17.0% | $295.1M-21.2% | $374.7M-25.2% | $501.1M-0.9% | $505.5M+26.3% | $400.3M+43.3% | $279.3M |
| Total Equity | $351.0M-19.7% | $437.0M+3.4% | $422.4M+10.1% | $383.5M+2.8% | $373.0M-7.9% | $404.9M-1.7% | $412.0M-25.4% | $552.1M+2.0% | $541.1M+17.4% | $461.1M+17.6% | $391.9M+24.2% | $315.6M+2.7% | $307.4M-16.1% | $366.4M-12.5% | $418.9M |
| Retained Earnings | $71.6M-58.0% | $170.6M+23.6% | $138.0M+42.0% | $97.2M+5.5% | $92.1M-38.3% | $149.3M-19.2% | $184.7M-47.8% | $354.0M-9.5% | $391.3M+13.5% | $344.6M+24.9% | $276.0M+46.3% | $188.6M-2.3% | $193.1M-30.3% | $277.0M-22.2% | $356.0M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
WRLD Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $265.6M | $259.4M+2.0% | $254.2M-4.4% | $265.8M-8.8% | $291.6M+7.0% | $272.4M+20.0% | $227.0M-19.2% | $281.0M+14.8% | $244.7M+12.2% | $218.0M-0.6% | $219.4M+6.5% | $206.1M-14.8% | $241.9M-1.7% | $246.0M+6.0% | $232.0M+5.8% | $219.4M |
| Capital Expenditures | $4.1M | $3.9M+5.4% | $3.7M-37.9% | $5.9M+1.8% | $5.8M-4.0% | $6.1M-48.0% | $11.7M+3.6% | $11.3M+15.0% | $9.8M+6.9% | $9.2M+34.6% | $6.8M-21.3% | $8.7M+0.8% | $8.6M+15.5% | $7.4M+7.5% | $6.9M+0.8% | $6.9M |
| Free Cash Flow | $261.5M | $255.5M+2.0% | $250.5M-3.6% | $259.9M-9.1% | $285.7M+7.3% | $266.4M+23.7% | $215.3M-20.2% | $269.7M+14.8% | $234.9M+12.5% | $208.9M-1.7% | $212.5M+7.7% | $197.4M-15.4% | $233.3M-2.2% | $238.5M+6.0% | $225.1M+5.9% | $212.5M |
| Investing Cash Flow | -$215.6M | -$232.9M-52.5% | -$152.8M-13.0% | -$135.1M+25.2% | -$180.6M+60.0% | -$451.9M-451.1% | -$82.0M+70.6% | -$279.1M-34.8% | -$207.0M-21.9% | -$169.8M-29.0% | -$131.6M-29.2% | -$101.9M+5.8% | -$108.2M+34.7% | -$165.6M+8.8% | -$181.5M-1.8% | -$178.3M |
| Financing Cash Flow | -$30.1M | -$6.8M+93.4% | -$103.5M+23.5% | -$135.3M-19.0% | -$113.7M-162.2% | $182.9M+229.9% | -$140.8M-35799.1% | $394K+100.6% | -$63.1M-100.6% | -$31.5M+62.6% | -$84.2M+34.6% | -$128.6M-14.4% | -$112.5M-56.6% | -$71.8M-43.6% | -$50.0M-31.2% | -$38.1M |
| Share Buybacks | $121.6M | $132.4M+144.3% | $54.2M+49.7% | $36.2M+152.9% | $14.3M-87.1% | $111.1M+8.5% | $102.5M-48.1% | $197.4M+164.9% | $74.5M+1515.0% | $4.6M-7.6% | $5.0M | $0-100.0% | $115.3M-39.5% | $190.5M+4.1% | $183.0M+30.9% | $139.8M |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q2 FY2026 through Q1 FY2027, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
WRLD Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 5.9%-9.9pp | 15.8%+2.4pp | 13.5%+10.0pp | 3.4%-5.8pp | 9.2%-7.5pp | 16.7%+11.9pp | 4.8%-2.1pp | 6.8%-3.8pp | 10.7%-4.3pp | 15.0%-0.7pp | 15.7%-2.5pp | 18.2%+0.4pp | 17.8%-0.7pp | 18.5%-0.2pp | 18.6% |
| Return on Equity | 9.8%-10.6pp | 20.4%+2.2pp | 18.2%+12.7pp | 5.5%-8.9pp | 14.4%-7.4pp | 21.8%+15.0pp | 6.8%+0.1pp | 6.7%-3.2pp | 9.9%-6.0pp | 16.0%-6.3pp | 22.3%-12.8pp | 35.1%+0.4pp | 34.7%+6.3pp | 28.4%+4.4pp | 24.0% |
| Return on Assets | 3.3%-5.6pp | 8.8%+1.6pp | 7.3%+5.4pp | 1.9%-2.5pp | 4.4%-4.8pp | 9.3%+6.5pp | 2.7%-1.6pp | 4.4%-2.0pp | 6.4%-2.8pp | 9.2%-1.7pp | 10.8%-2.0pp | 12.8%+0.3pp | 12.5%-0.3pp | 12.9%-0.8pp | 13.7% |
| Debt-to-Equity | 1.67+0.6x | 1.02-0.2x | 1.18-0.4x | 1.56-0.3x | 1.87+0.9x | 1.00-0.1x | 1.09+0.6x | 0.460.0x | 0.45-0.2x | 0.64-0.3x | 0.96-0.6x | 1.59-0.1x | 1.64+0.6x | 1.09+0.4x | 0.67 |
| FCF Margin | 43.7%-0.7pp | 44.4%-1.0pp | 45.4%-1.0pp | 46.3%+0.8pp | 45.5%+4.7pp | 40.8%-4.9pp | 45.7%+2.6pp | 43.1%+1.6pp | 41.5%-1.8pp | 43.3%+7.9pp | 35.4%-2.8pp | 38.2%-1.6pp | 39.8%-0.1pp | 39.9%+0.6pp | 39.4% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Frequently Asked Questions
What is World Accep Corporation's annual revenue?
World Accep Corporation (WRLD) reported $585.2M in total revenue for fiscal year 2026. This represents a 3.7% 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 grew by 3.7% year-over-year, from $564.2M to $585.2M in fiscal year 2026.
Is World Accep Corporation profitable?
Yes, World Accep Corporation (WRLD) reported a net income of $34.6M in fiscal year 2026, with a net profit margin of 5.9%.
How much debt does World Accep Corporation have?
As of fiscal year 2026, World Accep Corporation (WRLD) had $6.1M in cash and equivalents against $587.2M in long-term debt.
What is World Accep Corporation's net profit margin?
World Accep Corporation (WRLD) had a net profit margin of 5.9% in fiscal year 2026, 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 9.8% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is World Accep Corporation's free cash flow?
World Accep Corporation (WRLD) generated $255.5M in free cash flow during fiscal year 2026. This represents a 2.0% 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 $259.4M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are World Accep Corporation's total assets?
World Accep Corporation (WRLD) had $1.1B in total assets as of fiscal year 2026, including both current and long-term assets.
What are World Accep Corporation's capital expenditures?
World Accep Corporation (WRLD) invested $3.9M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is World Accep Corporation's debt-to-equity ratio?
World Accep Corporation (WRLD) had a debt-to-equity ratio of 1.67 as of fiscal year 2026, 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 3.3% for fiscal year 2026, 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 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 7.50x, 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.