Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '27 | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.58 | 22.24 | 42.07 | 4.38 | — | — | 165.12 | 3.89 | 11.47 | 7.39 | 17.26 | 6.14 | 11.49 | 11.72 | 20.68 | 5.05 | 17.92 | — | — | 16.54 | 53.82 |
| — | — | -74.5% | +12.7% | — | — | +856.7% | -36.7% | -0.1% | -36.9% | -16.5% | +21.6% | -35.9% | — | — | -69.4% | -66.7% | — | — | +236.5% | +373.9% | |
| P/S Ratio | 1.27 | 1.53 | 2.01 | 0.97 | 1.37 | 1.82 | 1.77 | 1.12 | 1.21 | 1.35 | 1.44 | 1.46 | 1.52 | 1.52 | 1.55 | 0.87 | 0.78 | 1.10 | 1.20 | 1.96 | 2.85 |
| — | -16.0% | +13.1% | -12.8% | +13.8% | +34.2% | +23.4% | -23.4% | -20.5% | -10.8% | -7.5% | +67.6% | +95.7% | +37.9% | +29.3% | -55.6% | -72.8% | -52.5% | -42.4% | +23.7% | +113.7% | |
| P/B Ratio | 2.13 | 2.23 | 2.83 | 1.83 | 2.01 | 2.39 | 2.04 | 1.58 | 1.43 | 1.57 | 1.63 | 2.03 | 1.88 | 1.84 | 1.99 | 1.35 | 1.14 | 1.71 | 1.99 | 3.26 | 3.85 |
| — | -6.5% | +38.7% | +15.7% | +39.8% | +52.1% | +25.4% | -22.3% | -23.6% | -14.8% | -18.1% | +50.6% | +64.6% | +7.9% | -0.1% | -58.7% | -70.4% | -41.2% | -22.1% | +49.7% | +109.6% | |
| P/FCF | 3.27 | — | 4.14 | 1.71 | 3.09 | 4.57 | 3.82 | 1.91 | 2.54 | 3.11 | 3.63 | 2.62 | 3.32 | 3.05 | 3.40 | 1.54 | 1.51 | 1.98 | 3.10 | 2.80 | 6.65 |
| — | — | +8.3% | -10.4% | +21.4% | +47.1% | +5.2% | -26.9% | -23.3% | +1.9% | +6.9% | +70.1% | +119.1% | +53.9% | +9.6% | -45.0% | -77.2% | -63.8% | -42.4% | -16.6% | +76.0% | |
| EV / EBITDA | 16.16 | 14.96 | 41.12 | 6.72 | 307.44 | 658.13 | 76.57 | 5.26 | 16.75 | 10.11 | 20.11 | 7.23 | 15.93 | 14.59 | 24.02 | 7.91 | 28.13 | 135.44 | — | 18.92 | 55.48 |
| — | -97.7% | -46.3% | +27.9% | +1735.2% | +6411.5% | +280.8% | -27.2% | +5.2% | -30.7% | -16.3% | -8.7% | -43.4% | -89.2% | — | -58.2% | -49.3% | +372.9% | — | +218.3% | +282.1% | |
| EV / EBIT | 29.84 | 15.44 | 52.64 | 7.04 | — | — | 155.82 | 5.49 | 19.36 | 11.03 | 24.23 | 7.65 | 18.18 | 16.49 | 29.16 | 8.53 | 37.91 | — | — | 21.28 | 76.67 |
| — | — | -66.2% | +28.3% | — | — | +543.1% | -28.3% | +6.5% | -33.1% | -16.9% | -10.3% | -52.0% | — | — | -59.9% | -50.5% | — | — | +251.3% | +303.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '27 | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 64.8% | 73.1% | 65.8% | 77.6% | 60.0% | 58.5% | 59.0% | 78.6% | 65.4% | 61.4% | 62.1% | 80.2% | 67.8% | 67.5% | 63.3% | 69.5% | 55.0% | 50.4% | 41.5% | 63.0% | 59.2% |
| — | +24.9% | +11.5% | -1.2% | -8.3% | -4.7% | -5.0% | -2.0% | -3.5% | -9.0% | -2.0% | +15.3% | +23.2% | +34.0% | +52.5% | +10.3% | -7.1% | -25.9% | -45.1% | -34.3% | -22.8% | |
| Operating Margin | 8.4% | 18.3% | 6.2% | 28.0% | -0.8% | -1.4% | 1.8% | 35.8% | 12.6% | 23.1% | 10.8% | 31.6% | 15.5% | 16.8% | 9.7% | 23.2% | 6.0% | -0.1% | -7.3% | 15.0% | 5.6% |
| — | +1402.5% | +235.5% | -21.7% | -106.3% | -106.1% | -82.9% | +13.2% | -18.8% | +37.2% | +11.0% | +36.0% | +159.6% | +26310.4% | +233.0% | +55.3% | +7.0% | -100.6% | -144.2% | -63.0% | -59.2% | |
| Net Margin | 6.5% | 6.9% | 4.8% | 22.0% | -0.7% | -1.6% | 1.3% | 28.7% | 10.5% | 18.3% | 8.3% | 23.8% | 13.2% | 12.9% | 7.5% | 17.2% | 4.4% | -0.5% | -5.8% | 11.8% | 5.3% |
| — | +523.6% | +271.4% | -23.5% | -106.7% | -108.9% | -84.5% | +20.9% | -20.5% | +41.4% | +10.7% | +38.1% | +201.7% | +2904.1% | +228.6% | +45.3% | -17.2% | -104.9% | -146.0% | -63.3% | -54.8% |
| Metric | TTM | Q2 '27 | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.8% | 2.5% | 1.7% | 10.3% | -0.3% | -0.5% | 0.4% | 10.2% | 3.2% | 5.3% | 2.3% | 8.4% | 4.1% | 4.0% | 2.4% | 6.9% | 1.6% | -0.2% | -2.4% | 4.7% | 1.8% |
| — | +602.1% | +367.4% | +0.4% | -108.0% | -109.3% | -84.4% | +21.4% | -22.4% | +32.2% | -3.7% | +22.5% | +151.7% | +2322.0% | +203.5% | +46.5% | -8.4% | -105.9% | -160.5% | -60.0% | -55.7% | |
| ROA | 3.4% | 0.8% | 0.6% | 3.3% | -0.1% | -0.2% | 0.2% | 4.2% | 1.2% | 2.1% | 0.9% | 3.2% | 1.5% | 1.4% | 0.9% | 2.2% | 0.5% | -0.1% | -0.7% | 1.5% | 0.6% |
| — | +533.9% | +267.3% | -21.3% | -106.7% | -108.8% | -83.5% | +29.7% | -17.2% | +45.6% | +10.5% | +46.7% | +217.9% | +2969.5% | +224.6% | +48.7% | -22.5% | -104.4% | -143.0% | -67.3% | -58.8% | |
| ROIC | 3.4% | 1.7% | 0.6% | 3.3% | -0.1% | -0.1% | 0.2% | 4.1% | 1.2% | 2.1% | 1.0% | 3.4% | 1.4% | 1.5% | 0.9% | 2.3% | 0.5% | -0.0% | -0.7% | 1.5% | 0.5% |
| — | +1464.8% | +233.8% | -19.9% | -106.2% | -106.0% | -81.9% | +20.9% | -15.8% | +41.1% | +11.3% | +44.7% | +173.9% | +27038.2% | +228.3% | +58.2% | -0.3% | -100.5% | -141.1% | -67.0% | -62.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '27 | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.88 | 1.92 | 1.79 | 1.88 | 2.14 | 1.81 | 1.28 | 1.20 | 1.50 | 1.41 | 1.36 | 1.36 | 1.64 | 1.57 | 1.68 | 1.76 | 2.25 | 2.34 | 2.44 | 2.09 | 1.97 |
| — | +6.4% | +39.5% | +56.6% | +42.8% | +28.2% | -5.9% | -11.7% | -8.7% | -10.3% | -19.0% | -22.7% | -27.1% | -32.9% | -31.2% | -15.7% | +13.9% | +48.5% | +77.7% | +70.4% | +11.7% | |
| Debt / EBITDA | 12.19 | 27.84 | 64.10 | 13.72 | 638.88 | 1145.00 | 118.88 | 9.13 | 34.65 | 19.28 | 36.97 | 11.70 | 29.96 | 27.24 | 44.50 | 18.19 | 75.93 | 317.96 | — | 29.83 | 75.77 |
| — | -97.6% | -46.1% | +50.3% | +1743.9% | +5839.5% | +221.5% | -22.0% | +15.6% | -29.2% | -16.9% | -35.6% | -60.5% | -91.4% | — | -39.0% | +0.2% | +681.2% | — | +244.5% | +164.2% | |
| Current Ratio | 0.77 | 0.44 | 0.43 | 0.77 | 1.09 | 0.41 | 0.17 | 0.23 | 0.48 | 0.26 | 0.30 | 0.28 | 0.32 | 0.38 | 0.35 | 0.33 | 0.49 | 0.38 | 0.25 | 0.33 | 0.37 |
| — | +8.7% | +149.9% | +238.4% | +126.3% | +56.5% | -43.2% | -17.4% | +49.2% | -31.1% | -13.4% | -15.3% | -33.9% | -0.7% | +38.6% | -1.5% | +33.1% | +18.4% | +44.5% | -13.6% | +52.1% | |
| Quick Ratio | 0.77 | 0.44 | 0.43 | 0.77 | 1.09 | 0.41 | 0.17 | 0.23 | 0.48 | 0.26 | 0.30 | 0.28 | 0.32 | 0.38 | 0.35 | 0.33 | 0.49 | 0.38 | 0.25 | 0.33 | 0.37 |
| — | +8.7% | +149.9% | +238.4% | +126.3% | +56.5% | -43.2% | -17.4% | +49.2% | -31.1% | -13.4% | -15.3% | -33.9% | -0.7% | +38.6% | -1.5% | +33.1% | +18.4% | +44.5% | -13.6% | +52.1% | |
| Interest Coverage | 0.92 | 2.00 | 0.69 | 3.63 | -0.08 | -0.12 | 0.24 | 4.93 | 1.42 | 2.67 | 1.32 | 3.96 | 1.67 | 1.67 | 1.01 | 2.84 | 0.56 | -0.01 | -0.96 | 2.10 | 0.76 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying WRLD stock.
World Acceptance Corporation's current P/E is 13.6x. The average P/E over the last 3 quarters is 22.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
World Acceptance Corporation's current operating margin is 8.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking World Acceptance Corporation's business trajectory between earnings reports.