WORLD ACCEPTANCE CORP

Listed Company

WRLDCIK 0000108385NasdaqAcceleratedPersonal Credit InstitutionsSouth CarolinaFY ends Mar 31

Period

FY 2026

Revenue

$585.17M

Net Income

$34.59M

Total Assets

$1.05B

Equity

$351.01M

Shares Out

4.64M

Op. Cash Flow

$259.36M

WRLD$191.66+14.95% · past yearDBEQ Basic

Daily closing prices

Business

WORLD ACCEPTANCE CORP is a consumer finance company that provides short- and medium-term installment loans to individuals with limited access to traditional credit. It offers traditional pre-computed and interest-bearing installment loans, tax advance loans, credit-related insurance products, automobile club memberships and tax preparation and electronic filing services. The company operates distinct lending, insurance-related (including a captive reinsurer) and tax services lines of business. It distributes products through a network of over one thousand local branches across 16 U.S. states and through direct mail, digital, email and SMS marketing channels.

Summary from filing dated 2025-05-22

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2026 2026-03-31	FY 2025 2025-03-31	FY 2024 2024-03-31	FY 2023 2023-03-31	FY 2022 2022-03-31
Interest and fee income	485	465	469	508	486
Insurance and other income, net	100	99	104	108	100
Total revenues	585	564	573	617	585
Provision for credit losses	189	169	157	259	186
Personnel	200	141	164	178	183
Occupancy and equipment	48	49	50	52	52
Advertising	11	10	10	6	18
Amortization of intangible assets	3	4	4	4	5
Other	40	37	40	39	42
Total general and administrative expenses	302	241	269	279	300
Interest expense	49	43	48	50	33
Total expenses	540	453	474	589	520
Income before income taxes	45	111	99	27	66
Income taxes	11	22	22	6	12
Net income	35	89	77	21	54
Basic (in dollars per share)	7	16.45	13.4	3.69	8.88
Diluted (in dollars per share)	6.88	16.21	13.14	3.6	8.47
Basic (in shares)	5	5	6	6	6
Diluted (in shares)	5	6	6	6	6

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2026 2026-03-31	FY 2025 2025-03-31	FY 2024 2024-03-31	FY 2023 2023-03-31	FY 2022 2022-03-31
Cash	6	5	5	17	19
Gross loans receivable	1,279	1,226	1,277	1,390	1,523
Unearned interest, insurance and fees	−325	−309	−327	−377	−403
Allowance for credit losses	−112	−103	−103	−126	−134
Loans receivable, net	842	813	847	888	986
Restricted cash	23	5	7	—	—
Income taxes receivable	2	0	3	0	—
Operating lease ROU assets, net	72	76	80	81	86
Property and equipment, net	17	20	23	24	24
Deferred income taxes, net	41	34	31	42	40
Other assets, net	39	41	42	43	36
Goodwill	7	7	7	7	7
Intangible assets, net	4	7	11	15	20
Total assets	1,054	1,008	1,056	1,117	1,218
Senior unsecured notes payable, net	0	184	273	287	295
Income taxes payable	0	222,742	0	3	7
Operating lease liability	74	79	82	84	87
Accounts payable and accrued expenses	38	42	54	51	58
Deferred revenue (contract liability)	4	3	3	2	—
Total liabilities	703	571	632	732	845
Commitments and contingencies (Notes 11 and 18)	—	—	—	—	—
Preferred stock, no par value Authorized 5,000,000, no shares issued or outstanding	0	0	0	—	0
Common stock, no par value Authorized 95,000,000 shares; issued and outstanding 4,656,505 and 5,374,012 shares at March 31, 2026 and March 31, 2025, respectively	0	0	0	—	0
Additional paid-in capital	279	266	286	288	281
Retained earnings	72	171	138	97	92
Total shareholders' equity	351	437	422	384	373
Total liabilities and shareholders' equity	1,054	1,008	1,056	1,117	1,218

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2026 2026-03-31	FY 2025 2025-03-31	FY 2024 2024-03-31	FY 2023 2023-03-31	FY 2022 2022-03-31
Accrued unearned interest	−2	1	−1	3	−9
Loss (gain) on extinguishment of senior unsecured notes payable	4	−982,791	−2	−2	0
Amortization of deferred loan costs	15	14	14	16	17
Amortization of debt issuance costs	2	1	2	2	—
Amortization of discount on loans acquired in an asset purchase	−358,841	−596,966	0	0	—
Depreciation	6	6	7	6	6
Gain on asset acquisitions, net of income tax	0	0	−112,683	−4	0
Gain on sale of property and equipment	−376,948	−60,087	−57,100	11,837	419,975
Deferred income tax expense (benefit)	−7	−3	11	−2	−15
Stock-based compensation (reversal) related to equity classified awards	19	−20	−2	—	—
Gain on company-owned life insurance	−156,823	−171,742	−154,140	−104,113	−106,885
Other assets, net	6	1	1	−9	−8
Income taxes payable and receivable	−3	3	−6	−5	−4
Deferred revenue (contract liability)	575,958	670,429	402,954	—	—
Accounts payable and accrued expenses	−6	−12	3	−7	17
Net cash provided by operating activities	259	254	266	292	272
Originations of loans receivable	−1,452	−1,328	−1,316	−152	−436
Repayments of loans receivable	1,222	1,197	1,189	—	—
Cash paid for acquisitions, primarily loans	0	−19	−2	−23	−11
Purchases of property and equipment	−4	−4	−6	−6	−6
Proceeds from sale of property and equipment	792,611	550,244	350,174	529,781	245,935
Net cash used in investing activities	−233	−153	−135	−181	−452
Borrowings from revolving credit facility	770	417	306	—	—
Payments on revolving credit facility	−588	−378	−390	—	—
Payments for extinguished senior unsecured notes payable	−188	−88	−14	—	—
Borrowing on warehouse facility	233	0	0	0	300
Payments on warehouse facility	−90	0	0	−7	0
Payments for debt extinguishment costs	−26,450	−12,500	−28,125	−22,850	—
Debt issuance costs associated with revolving credit facility	−2	−37,982	−591,716	−1	0
Debt issuance costs associated with warehouse facility	−3	0	0	−19,656	−5
Proceeds from exercise of stock options	3	2	3	654,920	13
Payments for taxes related to net share settlement of equity awards	−9	−3	−3	−3	−5
Repurchase of common stock	−132	−54	−36	−14	−111
Net cash used in financing activities	−7	−104	−135	−114	183
Net change in cash and restricted cash	20	−2	−5	−3	3
Interest paid during the year	47	45	49	52	21
Non-cash excise tax on stock repurchases	1	486,112	301,330	0	0

Filings

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Frequently asked questions

What is WORLD ACCEPTANCE CORP's CIK number?

WORLD ACCEPTANCE CORP's SEC CIK number is 0000108385 (108385). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find WORLD ACCEPTANCE CORP's SEC filings?

All of WORLD ACCEPTANCE CORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did WORLD ACCEPTANCE CORP last report earnings?

WORLD ACCEPTANCE CORP (WRLD) most recently filed an earnings 8-K with the SEC on Apr 30, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001437749-26-013984). This is WORLD ACCEPTANCE CORP's most recent earnings filing of record — not a forecast of its next earnings date.

What is WORLD ACCEPTANCE CORP's most recent earnings 8-K?

WORLD ACCEPTANCE CORP's latest earnings 8-K (Item 2.02) was filed Apr 30, 2026 under accession 0001437749-26-013984. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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