profit from every $100 of sales.
$0$100
World Acceptance
$138.16+1.36% today
+0.0% in 1 year
1-year low $115.571-year high $223.83
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $6.83 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What World Acceptance sold, what it kept, and what it did with the cash.
Sales went from $552 million in 2022 to $522 million in 2025, with $89.7 million of profit last year.
SalesProfit
World Acceptance handed back 22% of the cash it generated last year.
Buybacks $54M
Free cash flow 2025$250M
Bought back its own shares$54M
Paid as dividends–
Cash vs. debt$10M vs. $526M
World Acceptance vs. similar companies
World Acceptance grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| World Acceptance | 6.8× · Cheap | ||
 Sunbelt Rentals Holdings | 22.3× · Fair price | ||
 Global Payments | 17.4× · Fair price | ||
 Synchrony Financial | 6.3× · Cheap | ||
 SoFi Technologies | 41.6× · Expensive |
AI analysis
An AI analyst reads World Acceptance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 552 | 566 | 525 | 522 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 54 | 21 | 77 | 90 | |
| 8.47 | 3.41 | 13.02 | 16.30 | |
| – | – | – | – | |
| – | – | – | – | |
| 9.8% | 3.8% | 14.7% | 17.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,218 | 1,117 | 1,056 | 1,008 |
| Cash | 19 | 17 | 12 | 10 |
| Total debt | 780 | 679 | 578 | 526 |
| Total liabilities | 845 | 732 | 632 | 568 |
| 373 | 385 | 424 | 439 | |
| 6 | 6 | 6 | 6 | |
| – | – | – | – | |
| 14.5% | 5.5% | 18.2% | 20.4% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 272 | 292 | 266 | 254 | |
| 6 | 6 | 6 | 4 | |
| 266 | 286 | 260 | 250 | |
| Dividends paid | – | – | – | – |
| 111 | 14 | 36 | 54 | |
| 18 | 9 | -2 | -20 |
Valuation
- 6.8×
- 12.6×
- 0.28
- 0.7×
- 1.2×
- 2.4×
- –
- 40.9%
- 14.6%
- 0.0%
Profitability
- 99.5%
- 10.0%
- 17.2%
- 10.8%
- 4.4%
- 5.1%
- 6.4%
- 3.3%
- 5.6%
- –
Growth
- −1.8%
- +24.4%
- −3.6%
- –
- −4.6%
Financial health
- 10.4×
- 0.63
- 62.8%
- 1.2×
- –
- –
- 0.56
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 49%of 850
Bottom 24%of 733
Top 12%of 865
Bottom 17%of 861
Top 4%of 920
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 30, 2026 | 7.70 | 7.74 | −0.5% |
| Jan 27, 2026 | -0.19 | 0.58 | −132.8% |
| Oct 23, 2025 | -0.38 | 1.87 | −120.3% |
| Jul 24, 2025 | 0.25 | 2.44 | −89.8% |
| Apr 29, 2025 | 8.13 | 6.42 | +26.6% |
| Jan 28, 2025 | 2.45 | 1.23 | +99.2% |
| Oct 25, 2024 | 3.99 | 1.99 | +100.5% |
| Jul 26, 2024 | 1.79 | 1.69 | +5.9% |
News
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Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
51No pass
Benjamin Graham
82Pass
Philip Fisher
67Pass
Peter Lynch
78Pass
Joel Greenblatt
35No pass
Charlie Munger
48No pass
Terry Smith
39No pass
Questions about World Acceptance
Is World Acceptance a good stock to buy?
A business with weak numbers, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the World Acceptance AI analysis
What does World Acceptance do?
World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. It is in Financial - Credit Services.
Does World Acceptance pay a dividend?
No. World Acceptance does not pay a dividend at the moment; in 2025 it returned $54.2 million to shareholders by buying back its own shares.
Is World Acceptance stock halal?
No. World Acceptance does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has World Acceptance stock done over the past year?
Up 0.0% over the past twelve months, to $138.16. It traded between $115.57 and $223.83 and is 38.3% below its high.
Who are World Acceptance's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with World Acceptance's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.