Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.17 | — | — | 165.12 | 3.89 | 11.47 | 7.39 | 17.26 | 6.14 | 11.49 | 11.72 | 20.68 | 5.05 |
| — | — | — | +856.7% | -36.7% | -0.1% | -36.9% | -16.5% | +21.6% | -35.9% | — | — | -69.4% | |
| P/S Ratio | 1.33 | 1.25 | 1.62 | 1.65 | 1.04 | 1.11 | 1.25 | 1.33 | 1.35 | 1.39 | 1.38 | 1.42 | 0.80 |
| — | +12.7% | +30.2% | +24.1% | -22.9% | -20.2% | -9.6% | -6.3% | +68.0% | +98.1% | +37.1% | +26.9% | -56.0% | |
| P/B Ratio | 1.87 | 2.01 | 2.39 | 2.04 | 1.57 | 1.43 | 1.57 | 1.63 | 2.03 | 1.88 | 1.84 | 1.99 | 1.35 |
| — | +39.8% | +52.1% | +25.4% | -22.7% | -23.6% | -14.8% | -18.1% | +50.6% | +64.6% | +7.9% | -0.1% | -58.7% | |
| P/FCF | 3.01 | 3.09 | 4.57 | 3.82 | 1.91 | 2.54 | 3.11 | 3.63 | 2.62 | 3.32 | 3.05 | 3.40 | 1.54 |
| — | +21.4% | +47.1% | +5.2% | -26.9% | -23.3% | +1.9% | +6.9% | +70.1% | +119.1% | +53.9% | +9.6% | -45.0% | |
| EV / EBITDA | 7.53 | — | 658.13 | 82.33 | 5.23 | 16.75 | 10.11 | 20.11 | 7.23 | 15.93 | 14.59 | 24.02 | 7.91 |
| — | — | +6411.5% | +309.4% | -27.5% | +5.2% | -30.7% | -16.3% | -8.7% | -43.4% | -89.2% | — | -58.2% | |
| EV / EBIT | 8.01 | — | — | 181.67 | 5.47 | 19.36 | 11.03 | 24.23 | 7.65 | 18.18 | 16.49 | 29.16 | 8.53 |
| — | — | — | +649.8% | -28.6% | +6.5% | -33.1% | -16.9% | -10.3% | -52.0% | — | — | -59.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
World Acceptance Corporation's operating margin was -0.7% in Q3 2026, up 0.5 pp QoQ and down 12.3 pp YoY. The trailing four-quarter average of 8.2% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 5.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.0% | 63.6% | 52.3% | 54.6% | 73.2% | 60.0% | 56.5% | 57.4% | 74.2% | 62.0% | 61.3% | 57.8% | 64.3% |
| — | +5.9% | -7.5% | -4.9% | -1.3% | -3.2% | -7.7% | -0.6% | +15.5% | +24.7% | +33.2% | +49.7% | +9.3% | |
| Operating Margin | 28.1% | -0.7% | -1.3% | 1.5% | 33.3% | 11.6% | 21.3% | 10.0% | 29.3% | 14.2% | 15.3% | 8.9% | 21.5% |
| — | -106.2% | -105.9% | -85.3% | +13.9% | -18.5% | +39.0% | +12.6% | +36.3% | +162.8% | +26183.8% | +230.5% | +53.7% | |
| Net Margin | 15.9% | -0.6% | -1.4% | 1.0% | 26.8% | 9.7% | 16.8% | 7.7% | 22.0% | 12.1% | 11.7% | 6.8% | 15.9% |
| — | -106.7% | -108.6% | -86.8% | +21.7% | -20.2% | +43.3% | +12.2% | +38.4% | +205.4% | +2887.6% | +226.2% | +43.9% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 20.8% | -0.3% | -0.5% | 0.3% | 10.2% | 3.2% | 5.3% | 2.3% | 8.4% | 4.1% | 4.0% | 2.4% | 6.9% |
| — | -108.0% | -109.3% | -86.8% | +21.0% | -22.4% | +32.2% | -3.7% | +22.5% | +151.7% | +2322.0% | +203.5% | +46.5% | |
| ROA | 8.7% | -0.1% | -0.2% | 0.1% | 4.2% | 1.2% | 2.1% | 0.9% | 3.2% | 1.5% | 1.4% | 0.9% | 2.2% |
| — | -106.7% | -108.8% | -86.0% | +29.7% | -17.2% | +45.6% | +10.5% | +46.7% | +217.9% | +2969.5% | +224.6% | +48.7% | |
| ROIC | 12.1% | -0.1% | -0.1% | 0.2% | 4.1% | 1.2% | 2.1% | 1.0% | 3.4% | 1.4% | 1.5% | 0.9% | 2.3% |
| — | -106.2% | -106.0% | -84.5% | +20.7% | -15.8% | +41.1% | +11.3% | +44.7% | +173.9% | +27038.2% | +228.3% | +58.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 4845.6% YoY to 23.75x, strengthening the short-term liquidity position. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.20 | 2.14 | 1.81 | 1.28 | 1.20 | 1.50 | 1.41 | 1.36 | 1.36 | 1.64 | 1.57 | 1.68 | 1.76 |
| — | +42.8% | +28.2% | -5.9% | -12.2% | -8.7% | -10.3% | -19.0% | -22.7% | -27.1% | -32.9% | -31.2% | -15.7% | |
| Debt / EBITDA | 3.12 | — | 1145.00 | 127.82 | 9.13 | 34.65 | 19.28 | 36.97 | 11.70 | 29.96 | 27.24 | 44.50 | 18.19 |
| — | — | +5839.5% | +245.7% | -22.0% | +15.6% | -29.2% | -16.9% | -35.6% | -60.5% | -91.4% | — | -39.0% | |
| Current Ratio | 12.55 | 23.75 | 0.41 | 0.17 | 12.55 | 0.48 | 0.26 | 0.30 | 0.28 | 0.32 | 0.38 | 0.35 | 0.33 |
| — | +4845.6% | +56.5% | -43.2% | +4437.2% | +49.2% | -31.1% | -13.4% | -15.3% | -33.9% | -0.7% | +38.6% | -1.5% | |
| Quick Ratio | 12.55 | 23.75 | 0.41 | 0.17 | 12.55 | 0.48 | 0.26 | 0.30 | 0.28 | 0.32 | 0.38 | 0.35 | 0.33 |
| — | +4845.6% | +56.5% | -43.2% | +4437.2% | +49.2% | -31.1% | -13.4% | -15.3% | -33.9% | -0.7% | +38.6% | -1.5% | |
| Interest Coverage | 3.62 | -0.08 | -0.12 | 0.20 | 4.93 | 1.42 | 2.67 | 1.32 | 3.96 | 1.67 | 1.67 | 1.01 | 2.84 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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World Acceptance Corporation's current P/E is 9.2x. The average P/E over the last 2 quarters is 84.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
World Acceptance Corporation's current operating margin is 28.1%. Margins have been compressing 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.