World Acceptance Corporation (WRLD) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
7.51
↓-57% vs avg
5yr avg: 17.37
30Y Low3.8·High30.3
P/FCF
↓
3.00
-8% vs avg
5yr avg: 3.28
30Y Low1.7·High12.4
P/B Ratio
↓
1.87
-9% vs avg
5yr avg: 2.05
30Y Low0.9·High5.4
ROE
↓
20.8%
↓+28% vs avg
5yr avg: 16.2%
30Y Low6%·High36%
Debt/EBITDA
↓
3.12
↓-61% vs avg
5yr avg: 8.06
30Y Low1.0·High17.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
WRLD Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
World Acceptance Corporation trades at 9.1x earnings, 38% below its 5-year average of 14.9x, sitting at the 37th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 32%. On a free-cash-flow basis, the stock trades at 3.0x P/FCF, 8% below the 5-year average of 3.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $751M | $697M | $850M | $491M | $1.2B | $866M | $434M | $1.1B | $943M | $455M | $334M |
| Enterprise Value | $1.3B | $1.2B | $1.4B | $1.2B | $2.0B | $1.3B | $977M | $1.3B | $1.2B | $735M | $696M |
| P/E Ratio → | 9.15 | 7.76 | 10.99 | 23.14 | 22.65 | 9.81 | 15.43 | 29.21 | 17.58 | 6.18 | 3.77 |
| P/S Ratio | 1.33 | 1.23 | 1.48 | 0.80 | 2.09 | 1.64 | 0.74 | 1.98 | 1.88 | 0.93 | 0.60 |
| P/B Ratio | 1.87 | 1.59 | 2.00 | 1.28 | 3.27 | 2.14 | 1.05 | 1.95 | 1.74 | 0.99 | 0.85 |
| P/FCF | 3.00 | 2.78 | 3.27 | 1.72 | 4.58 | 4.02 | 1.70 | 4.80 | 4.56 | 2.18 | 1.69 |
| P/OCF | 2.96 | 2.74 | 3.20 | 1.69 | 4.48 | 3.81 | 1.55 | 4.41 | 4.33 | 2.07 | 1.62 |
P/E links to full P/E history page with 30-year chart
WRLD EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
World Acceptance Corporation's enterprise value stands at 7.5x EBITDA, 57% below its 5-year average of 17.4x. The Financial Services sector median is 11.5x, placing the stock at a 34% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.15 | 2.47 | 1.87 | 3.39 | 2.55 | 1.66 | 2.43 | 2.34 | 1.50 | 1.25 |
| EV / EBITDA | 7.51 | 7.19 | 12.84 | 30.32 | 25.65 | 10.88 | 20.75 | 13.47 | 11.18 | 6.48 | 4.81 |
| EV / EBIT | 7.99 | 7.84 | 14.24 | 42.50 | 30.22 | 12.09 | 27.97 | 14.69 | 12.14 | 6.93 | 5.05 |
| EV / FCF | — | 4.84 | 5.45 | 4.04 | 7.44 | 6.26 | 3.83 | 5.88 | 5.68 | 3.53 | 3.53 |
WRLD Profitability
Margins and return-on-capital ratios measuring operating efficiency
World Acceptance Corporation earns an operating margin of 28.1%, above the Financial Services sector average of 21.4%. Operating margins have expanded from 4.4% to 28.1% over the past 3 years, signaling improving operational efficiency. ROE of 20.8% indicates solid capital efficiency, compared to the sector median of 9.5%. ROIC of 12.1% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.0% | 70.0% | 64.2% | 49.7% | 62.5% | 78.8% | 64.8% | 69.4% | 72.8% | 71.4% | 73.0% |
| Operating Margin | 28.1% | 28.1% | 17.3% | 4.4% | 11.2% | 21.1% | 5.9% | 16.5% | 19.3% | 21.6% | 24.7% |
| Net Profit Margin | 15.9% | 15.9% | 13.5% | 3.4% | 9.2% | 16.7% | 4.8% | 6.8% | 10.7% | 15.0% | 15.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 20.8% | 20.8% | 19.1% | 5.6% | 13.9% | 21.6% | 5.8% | 6.8% | 10.7% | 17.3% | 24.7% |
| ROA | 8.7% | 8.7% | 7.1% | 1.8% | 5.0% | 8.9% | 3.0% | 4.4% | 6.5% | 9.2% | 10.5% |
| ROIC | 12.1% | 12.1% | 7.2% | 1.8% | 4.8% | 8.9% | 3.0% | 8.5% | 9.4% | 10.4% | 13.1% |
| ROCE | 16.3% | 16.3% | 9.6% | 2.4% | 6.3% | 11.8% | 3.9% | 11.1% | 12.3% | 13.7% | 17.1% |
WRLD Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
World Acceptance Corporation carries a Debt/EBITDA ratio of 3.1x, which is moderately leveraged (24% below the sector average of 4.1x). Net debt stands at $516M ($526M total debt minus $10M cash). Interest coverage of 3.6x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.20 | 1.20 | 1.36 | 1.76 | 2.09 | 1.23 | 1.34 | 0.46 | 0.45 | 0.64 | 0.96 |
| Debt / EBITDA | 3.12 | 3.12 | 5.24 | 17.84 | 10.10 | 4.01 | 11.77 | 2.57 | 2.33 | 2.60 | 2.59 |
| Net Debt / Equity | — | 1.17 | 1.33 | 1.72 | 2.04 | 1.19 | 1.32 | 0.44 | 0.43 | 0.61 | 0.92 |
| Net Debt / EBITDA | 3.06 | 3.06 | 5.13 | 17.41 | 9.85 | 3.88 | 11.52 | 2.48 | 2.21 | 2.47 | 2.50 |
| Debt / FCF | — | 2.06 | 2.18 | 2.32 | 2.86 | 2.23 | 2.12 | 1.08 | 1.12 | 1.34 | 1.84 |
| Interest Coverage | 3.62 | 3.62 | 2.06 | 0.54 | 1.96 | 4.33 | 1.35 | 5.01 | 5.07 | 4.93 | 5.14 |
WRLD Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
World Acceptance Corporation's current ratio of 12.55x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.33x to 12.55x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 12.55 | 12.55 | 0.28 | 0.33 | 0.33 | 0.38 | 0.20 | 0.24 | 0.37 | 0.48 | 0.39 |
| Quick Ratio | 12.55 | 12.55 | 0.28 | 0.33 | 0.33 | 0.38 | 0.20 | 0.24 | 0.37 | 0.48 | 0.39 |
| Cash Ratio | 0.15 | 0.15 | 0.22 | 0.33 | 0.33 | 0.38 | 0.20 | 0.24 | 0.37 | 0.48 | 0.39 |
| Asset Turnover | — | 0.56 | 0.54 | 0.55 | 0.48 | 0.55 | 0.57 | 0.64 | 0.60 | 0.61 | 0.69 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
WRLD Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
World Acceptance Corporation returns 7.2% to shareholders annually primarily through share buybacks. The earnings yield of 10.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.9% | 12.9% | 9.1% | 4.3% | 4.4% | 10.2% | 6.5% | 3.4% | 5.7% | 16.2% | 26.5% |
| FCF Yield | 33.3% | 35.9% | 30.6% | 58.2% | 21.8% | 24.9% | 58.8% | 20.8% | 21.9% | 45.8% | 59.1% |
| Buyback Yield | 7.2% | 7.8% | 4.3% | 2.9% | 9.1% | 11.8% | 45.5% | 6.9% | 0.5% | 1.1% | 0.0% |
| Total Shareholder Yield | 7.2% | 7.8% | 4.3% | 2.9% | 9.1% | 11.8% | 45.5% | 6.9% | 0.5% | 1.1% | 0.0% |
| Shares Outstanding | — | $6M | $6M | $6M | $6M | $7M | $8M | $9M | $9M | $9M | $9M |
Peer Comparison
Compare WRLD with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 WRLDYou | $751M | 9.1 | 7.5 | 3.0 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 RM | $329M | 7.9 | 21.3 | 1.1 | 52.3% | 12.4% | 12.2% | 3.0% | 18.8 |
 PRAA | $819M | -2.7 | 1.7 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 FCFS | $10B | 30.5 | 12.8 | 21.3 | 51.7% | 15.4% | 15.3% | 9.2% | 2.8 |
 SLM | $4B | 6.5 | 6.1 | 7.8 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NAVI | $821M | -10.8 | 17.8 | 1.9 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 ENVA | $4B | 14.9 | 11.3 | 2.4 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 OPRT | $259M | 11.0 | 34.7 | 0.7 | 63.7% | 6.9% | 6.8% | 1.0% | 32.9 |
 FICO | $25B | 40.2 | 29.5 | 32.1 | 82.2% | 46.5% | — | 59.7% | 3.3 |
 EFX | $21B | 32.6 | 14.2 | 18.4 | 44.6% | 18.0% | 13.7% | 8.5% | 2.8 |
 TRU | $14B | 30.5 | 12.5 | 20.6 | 59.1% | 18.7% | 10.3% | 7.3% | 3.6 |
| Financial Services Median | — | 13.4 | 11.5 | 10.7 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
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Start ComparisonWRLD — Frequently Asked Questions
Quick answers to the most common questions about buying WRLD stock.
What is World Acceptance Corporation's P/E ratio?
World Acceptance Corporation's current P/E ratio is 9.1x. The historical average is 12.3x. This places it at the 37th percentile of its historical range.
What is World Acceptance Corporation's EV/EBITDA?
World Acceptance Corporation's current EV/EBITDA is 7.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.5x.
What is World Acceptance Corporation's ROE?
World Acceptance Corporation's return on equity (ROE) is 20.8%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 20.0%.
Is WRLD stock overvalued?
Based on historical data, World Acceptance Corporation is trading at a P/E of 9.1x. This is at the 37th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are World Acceptance Corporation's profit margins?
World Acceptance Corporation has 70.0% gross margin and 28.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does World Acceptance Corporation have?
World Acceptance Corporation's Debt/EBITDA ratio is 3.1x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.