World Acceptance Corporation (WRLD)

Name: World Acceptance Corporation Financial Statements
Creator: Quarter Results

Financial Services | Financial Credit Services

Latest reporting period: 2025-12-31

Latest Quarter

2025-12-31

Revenue

$141M

Net Income

-$912K

Operating Margin

-0.7%

Free Cash Flow

$250M

Debt / Assets

56.4%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for World Acceptance Corporation (WRLD).
Income Statement (Quarterly)	2025-12-31	2025-09-30	2025-06-30	2025-03-30
Revenue	141,252,230	134,465,850	132,451,920	165,272,000
Cost of Revenue	51,423,000	64,183,496	60,145,852	33,024,000
Gross Profit	89,829,230	70,282,354	72,306,068	132,248,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	111,527,448	59,339,973	57,743,579	65,033,000
Operating Expenses	90,843,000	71,968,396	70,360,252	65,033,000
Operating Income	-1,014,000	-1,686,042	1,945,816	67,215,000
Interest Expense	12,786,000	14,342,594	9,629,883	0
Income Before Tax	-1,014,000	-1,686,042	1,945,816	55,118,000
Income Tax Expense	-102,000	260,155	601,749	10,840,000
Net Income	-912,000	-1,946,197	1,344,067	44,278,000
Per Share
EPS	-0.18	-0.38	0.26	8.13
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for World Acceptance Corporation (WRLD).
Income Statement (Annual)	2025-03-31	2025-03-30	2024-03-31	2023-03-31	2022-03-31
Revenue	564,842,000	564,842,000	524,981,115	616,557,000	585,645,361
Cost of Revenue	169,215,000	169,215,000	156,973,220	309,926,000	186,207,341
Gross Profit	395,627,000	395,627,000	368,007,895	306,620,000	399,438,020
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	187,981,000	187,981,000	214,604,113	222,901,000	240,081,000
Operating Expenses	237,122,000	237,122,000	264,380,313	275,007,000	-443,297,819
Operating Income	158,505,000	158,505,000	151,648,169	27,146,000	105,665,181
Interest Expense	42,710,000	42,710,000	48,232,287	50,463,000	33,425,000
Income Before Tax	111,985,000	111,985,000	99,407,736	27,146,000	65,579,319
Income Tax Expense	22,244,000	22,244,000	22,062,509	5,914,000	11,659,482
Net Income	89,741,000	89,741,000	77,345,227	21,232,000	53,919,837
Per Share
EPS	16.54	16.54	13.45	3.69	8.88
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for World Acceptance Corporation (WRLD).
Balance Sheet (Quarterly)	2025-03-31	2025-03-30	2024-03-31	2023-03-31
Assets
Cash and Cash Equivalents	9,730,296	9,730,000	11,839,000	16,509,000
Short Term Investments	0	0	0	0
Net Receivables	812,968,685	812,969,000	3,091,229	0
Inventory	0	0	0	-887,771,977,065
Total Current Assets	822,698,981	822,699,000	14,930,689	16,509,000
Property Plant Equipment	96,000,620	96,001,000	102,398,435	105,215,000
Goodwill and Intangibles	14,765,372	14,765,000	18,440,524	22,662,000
Total Assets	1,007,627,647	1,007,627,000	1,056,351,043	1,117,319,000
Liabilities
Account Payables	37,065,032	42,365,000	53,974,198	42,327,154
Short Term Debt	22,960,545	0	0	0
Total Current Liabilities	65,548,319	42,588,000	53,974,198	50,560,000
Long Term Debt	502,598,864	525,559,000	577,949,629	678,998,718
Total Liabilities	568,147,183	568,147,000	631,923,827	732,092,000
Shareholders Equity
Retained Earnings	173,053,986	0	137,994,264	97,154,898,000
Total Shareholders Equity	439,480,464	439,480,000	424,427,216	385,227,000

Balance sheet annual history for World Acceptance Corporation (WRLD).
Balance Sheet (Annual)	2025-03-31	2025-03-30	2024-03-31	2023-03-31	2022-03-31
Assets
Cash and Cash Equivalents	9,730,296	9,730,000	11,839,000	16,509,000	19,236,000
Short Term Investments	0	0	0	0	322
Net Receivables	812,968,685	812,969,000	3,091,229	0	985,515,154,000
Inventory	0	0	0	-887,771,977,065	-985,495,918,000
Total Current Assets	822,698,981	822,699,000	14,930,689	16,509,000	19,236,000
Property Plant Equipment	96,000,620	96,001,000	102,398,435	105,215,000	110,715,000
Goodwill and Intangibles	14,765,372	14,765,000	18,440,524	22,662,000	27,127,000
Total Assets	1,007,627,647	1,007,627,000	1,056,351,043	1,117,319,000	1,218,296,000
Liabilities
Account Payables	37,065,032	42,365,000	53,974,198	42,327,154	58,042,000
Short Term Debt	22,960,545	0	0	0	24,192,076
Total Current Liabilities	65,548,319	42,588,000	53,974,198	50,560,000	58,042,000
Long Term Debt	502,598,864	525,559,000	577,949,629	678,998,718	779,846,000
Total Liabilities	568,147,183	568,147,000	631,923,827	732,092,000	845,272,000
Shareholders Equity
Retained Earnings	173,053,986	0	137,994,264	97,154,898,000	92,117,343
Total Shareholders Equity	439,480,464	439,480,000	424,427,216	385,227,000	373,024,000

Cash flow quarterly history for World Acceptance Corporation (WRLD).
Cash Flow Statement (Quarterly)	2025-03-31	2025-03-30	2024-03-31	2023-03-31
Operating Activities
Net Income	89,741,000	89,741,000	77,345,000	21,231,990
Depreciation & Amortization	10,135,000	0	10,888,000	10,910,353
Stock Based Compensation	-19,689,000	0	-1,683,000	9,052,835
Change in Working Capital	-7,713,000	0	-1,293,000	-21,480,774
Operating Cash Flow	254,164,000	0	265,783,000	291,553,786
Investing Activities
Capital Expenditure	-3,684,000	0	-5,933,000	-5,827,773
Investments	-3,684,000	0	-5,933,000	-5,827,773
Investing Cash Flow	-152,751,000	0	-135,138,000	-180,583,800
Financing Activities
Debt Repayment	-48,959,000	0	-98,535,000	-96,313,689
Common Stock Issued/Repurchased	-54,196,000	0	-36,205,000	-16,202,170
Dividends Paid	0	0	0	0
Financing Cash Flow	-103,522,000	0	-135,315,000	-113,697,373
Summary
Free Cash Flow	250,480,000	0	259,851,000	285,726,013
Net Change in Cash	-2,109,000	-11,839,460	-4,669,000	-2,727,387

Cash flow annual history for World Acceptance Corporation (WRLD).
Cash Flow Statement (Annual)	2025-03-31	2025-03-30	2024-03-31	2023-03-31	2022-03-31
Operating Activities
Net Income	89,741,000	89,741,000	77,345,000	21,231,990	53,919,837
Depreciation & Amortization	10,135,000	0	10,888,000	10,910,353	11,671,074
Stock Based Compensation	-19,689,000	0	-1,683,000	9,052,835	17,582,995
Change in Working Capital	-7,713,000	0	-1,293,000	-21,480,774	4,616,629
Operating Cash Flow	254,164,000	0	265,783,000	291,553,786	281,478,561
Investing Activities
Capital Expenditure	-3,684,000	0	-5,933,000	-5,827,773	-6,070,414
Investments	-3,684,000	0	-5,933,000	-5,827,773	-6,070,414
Investing Cash Flow	-152,751,000	0	-135,138,000	-180,583,800	-460,923,161
Financing Activities
Debt Repayment	-48,959,000	0	-98,535,000	-96,313,689	-523,855,286
Common Stock Issued/Repurchased	-54,196,000	0	-36,205,000	-16,202,170	-98,333,615
Dividends Paid	0	0	0	0	-12,805,646
Financing Cash Flow	-103,522,000	0	-135,315,000	-113,697,373	182,934,468
Summary
Free Cash Flow	250,480,000	0	259,851,000	285,726,013	275,408,147
Net Change in Cash	-2,109,000	-11,839,460	-4,669,000	-2,727,387	3,489,868