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 17 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).
World Acceptance's cash engine remains powerful even when profits swing, while aggressive buybacks keep balance-sheet slack limited.
From FY2025 to FY2026, revenue stayed essentially flat, but net margin fell from15.9% to5.9% as overhead and interest took a larger bite. Yet operating cash flow stayed near$259M and free cash flow near$255M , so the earnings decline reflects a squeeze in reported profitability more than a breakdown in cash generation.
The balance sheet shows a low-cash, debt-supported posture: FY2026 ended with only
This is a light-reinvestment model, not one that needs heavy physical investment: capital spending was just
Financial Health Signals
We are recalculating World Accep Corporation's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. 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.
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.
World Accep Corporation had 5M shares outstanding in fiscal year 2026. This represents a decrease of 13.4% from the prior year.
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.
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.
WRLD Income Statement
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $175.9M+24.2% | $141.6M+5.0% | $134.8M+1.6% | $132.8M-18.9% | $163.7M+17.8% | $139.0M+5.5% | $131.7M+1.5% | $129.8M |
| 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 | $81.5M+4.4% | $78.1M+8.5% | $72.0M+2.3% | $70.4M+6.7% | $65.9M-1.9% | $67.2M+45.0% | $46.4M-24.5% | $61.4M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $12.7M-0.8% | $12.8M-10.9% | $14.3M+48.9% | $9.6M-13.9% | $11.2M-0.9% | $11.3M+8.0% | $10.5M+7.0% | $9.8M |
| Income Tax | $9.6M+240550.0% | -$4K-101.1% | $358K-47.7% | $684K-93.4% | $10.4M+285.6% | $2.7M-54.0% | $5.9M+92.9% | $3.0M |
| Net Income | $35.3M+5746.4% | -$625K+62.4% | -$1.7M-204.9% | $1.6M-96.3% | $43.1M+216.2% | $13.6M-39.1% | $22.4M+120.3% | $10.2M |
| EPS (Diluted) | $7.44+5823.1% | $-0.13+60.6% | $-0.33-210.0% | $0.30-96.2% | $7.91+217.7% | $2.49-38.2% | $4.03+121.4% | $1.82 |
WRLD Balance Sheet
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.1B-7.7% | $1.1B+7.5% | $1.1B+3.7% | $1.0B+1.5% | $1.0B-9.2% | $1.1B+5.8% | $1.0B+0.1% | $1.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $6.1M-39.3% | $10.0M-32.8% | $14.9M+83.1% | $8.1M+72.4% | $4.7M-54.2% | $10.3M+5.7% | $9.7M-12.4% | $11.1M |
| 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 | $703.1M-11.1% | $790.8M+13.5% | $696.7M+16.9% | $596.2M+4.3% | $571.5M-16.2% | $682.3M+8.0% | $631.7M+0.9% | $625.8M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $587.2M-13.3% | $677.2M+15.8% | $584.6M+23.7% | $472.5M+5.5% | $447.9M-20.2% | $561.2M+10.8% | $506.6M+2.4% | $494.7M |
| Total Equity | $351.0M-0.2% | $351.6M-3.8% | $365.6M-14.5% | $427.9M-2.1% | $437.0M+2.1% | $428.2M+2.6% | $417.5M-1.2% | $422.6M |
| Retained Earnings | $71.6M-6.0% | $76.1M-17.4% | $92.1M-42.9% | $161.4M-5.4% | $170.6M+5.9% | $161.1M+8.3% | $148.7M+8.8% | $136.7M |
WRLD Cash Flow Statement
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $94.6M+63.2% | $58.0M+19.2% | $48.6M-16.4% | $58.2M-36.0% | $90.9M+48.7% | $61.1M+13.6% | $53.8M+11.1% | $48.4M |
| Capital Expenditures | $1.1M+38.3% | $808K-12.0% | $918K-11.6% | $1.0M+19.5% | $869K+26.8% | $686K-34.4% | $1.0M-3.6% | $1.1M |
| Free Cash Flow | $93.5M+63.5% | $57.2M+19.8% | $47.7M-16.5% | $57.1M-36.6% | $90.0M+49.0% | $60.4M+14.6% | $52.7M+11.4% | $47.3M |
| Investing Cash Flow | $21.3M+120.3% | -$104.8M-29.2% | -$81.1M-18.9% | -$68.3M-242.0% | $48.1M+145.0% | -$106.8M-83.6% | -$58.2M-62.2% | -$35.9M |
| Financing Cash Flow | -$128.8M-273.6% | $74.2M+88.9% | $39.3M+361.3% | $8.5M+105.9% | -$144.8M-381.1% | $51.5M+1600.5% | $3.0M+122.8% | -$13.3M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $37.8M+152.4% | $15.0M-77.5% | $66.6M+413.7% | $13.0M-59.5% | $32.0M+2959.3% | $1.0M-89.5% | $10.0M-10.3% | $11.1M |
WRLD Financial Ratios
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| 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 | 20.1%+20.5pp | -0.4%+0.8pp | -1.2%-2.4pp | 1.2%-25.1pp | 26.3%+16.5pp | 9.8%-7.2pp | 17.0%+9.2pp | 7.8% |
| Return on Equity | 10.1%+10.2pp | -0.2%+0.3pp | -0.4%-0.8pp | 0.4%-9.5pp | 9.9%+6.7pp | 3.2%-2.2pp | 5.4%+3.0pp | 2.4% |
| Return on Assets | 3.4%+3.4pp | -0.1%+0.1pp | -0.2%-0.3pp | 0.1%-4.1pp | 4.3%+3.0pp | 1.2%-0.9pp | 2.1%+1.2pp | 1.0% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 1.67-0.3 | 1.93+0.3 | 1.60+0.5 | 1.10+0.1 | 1.02-0.3 | 1.31+0.1 | 1.21+0.0 | 1.17 |
| FCF Margin | 53.1%+12.8pp | 40.4%+5.0pp | 35.4%-7.6pp | 43.0%-12.0pp | 55.0%+11.5pp | 43.5%+3.5pp | 40.0%+3.6pp | 36.5% |
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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.