Last 48 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 | 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 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 24.72 | 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 | 24.43 |
| — | -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% | +80.5% | |
| P/S Ratio | 1.48 | 2.01 | 0.97 | 1.37 | 1.82 | 1.78 | 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 | 2.32 |
| — | +12.8% | -12.8% | +13.8% | +34.2% | +23.8% | -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% | +48.7% | |
| P/B Ratio | 2.44 | 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 | 2.90 |
| — | +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% | +44.2% | |
| P/FCF | 3.10 | 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 | 5.47 |
| — | +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% | -23.5% | |
| EV / EBITDA | 26.70 | 41.12 | 6.72 | 307.44 | 658.13 | 82.33 | 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 | 28.64 |
| — | -50.1% | +27.9% | +1735.2% | +6411.5% | +309.4% | -27.2% | +5.2% | -30.7% | -16.3% | -8.7% | -43.4% | -89.2% | — | -58.2% | -49.3% | +372.9% | — | +218.3% | +282.1% | +85.8% | |
| EV / EBIT | 32.00 | 52.64 | 7.04 | — | — | 181.67 | 5.49 | 19.36 | 11.03 | 24.23 | 7.65 | 18.18 | 16.49 | 29.16 | 8.53 | 37.91 | — | — | 21.28 | 76.67 | 33.02 |
| — | -71.0% | +28.3% | — | — | +649.8% | -28.3% | +6.5% | -33.1% | -16.9% | -10.3% | -52.0% | — | — | -59.9% | -50.5% | — | — | +251.3% | +303.9% | +81.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | 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 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 59.3% | 60.4% | 72.0% | 54.5% | 52.3% | 54.6% | 73.2% | 60.0% | 56.5% | 57.4% | 74.2% | 62.0% | 61.3% | 57.8% | 64.3% | 49.7% | 46.0% | 38.6% | 58.8% | 55.2% | 64.6% |
| — | +10.6% | -1.7% | -9.2% | -7.5% | -4.9% | -1.3% | -3.2% | -7.7% | -0.6% | +15.5% | +24.7% | +33.2% | +49.7% | +9.3% | -9.9% | -28.8% | -46.7% | -35.6% | -23.8% | -13.0% | |
| Operating Margin | 7.7% | 5.7% | 26.0% | -0.7% | -1.3% | 1.5% | 33.3% | 11.6% | 21.3% | 10.0% | 29.3% | 14.2% | 15.3% | 8.9% | 21.5% | 5.4% | -0.1% | -6.8% | 14.0% | 5.2% | 10.2% |
| — | +286.2% | -22.1% | -106.2% | -105.9% | -85.3% | +13.9% | -18.5% | +39.0% | +12.6% | +36.3% | +162.8% | +26183.8% | +230.5% | +53.7% | +3.8% | -100.6% | -142.9% | -63.7% | -59.8% | -25.9% | |
| Net Margin | 5.9% | 4.4% | 20.4% | -0.6% | -1.4% | 1.0% | 26.8% | 9.7% | 16.8% | 7.7% | 22.0% | 12.1% | 11.7% | 6.8% | 15.9% | 4.0% | -0.4% | -5.4% | 11.1% | 4.9% | 9.0% |
| — | +332.3% | -23.9% | -106.7% | -108.6% | -86.8% | +21.7% | -20.2% | +43.3% | +12.2% | +38.4% | +205.4% | +2887.6% | +226.2% | +43.9% | -19.7% | -104.7% | -144.6% | -64.0% | -55.4% | -16.2% |
| Metric | TTM | 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 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.8% | 1.7% | 10.3% | -0.3% | -0.5% | 0.3% | 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% | 3.0% |
| — | +451.0% | +0.4% | -108.0% | -109.3% | -86.8% | +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% | -14.6% | |
| ROA | 3.4% | 0.6% | 3.3% | -0.1% | -0.2% | 0.1% | 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% | 1.1% |
| — | +332.8% | -21.3% | -106.7% | -108.8% | -86.0% | +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% | -21.3% | |
| ROIC | 3.4% | 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% | 1.0% |
| — | +289.2% | -19.9% | -106.2% | -106.0% | -84.5% | +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% | -30.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | 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 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.88 | 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 | 1.58 |
| — | +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% | +11.1% | |
| Debt / EBITDA | 12.19 | 64.10 | 13.72 | 638.88 | 1145.00 | 127.82 | 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 | 40.70 |
| — | -49.8% | +50.3% | +1743.9% | +5839.5% | +245.7% | -22.0% | +15.6% | -29.2% | -16.9% | -35.6% | -60.5% | -91.4% | — | -39.0% | +0.2% | +681.2% | — | +244.5% | +164.2% | +57.8% | |
| Current Ratio | 0.77 | 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 | 0.32 |
| — | +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% | -10.8% | |
| Quick Ratio | 0.77 | 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 | 0.32 |
| — | +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% | -10.8% | |
| Interest Coverage | 0.92 | 0.69 | 3.63 | -0.08 | -0.12 | 0.20 | 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 | 2.10 |
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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 24.7x. The average P/E over the last 2 quarters is 23.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
World Acceptance Corporation's current operating margin is 7.7%. 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.