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About the company
World Acceptance Corporation is a people-focused finance company that provides personal installment loan solutions and personal tax preparation and filing services. The Company generally serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses and credit card lenders. The Company, as an agent for an unaffiliated insurance company, markets and sells credit life, credit accident and health, credit property and auto, unemployment, and accidental death and dismemberment insurance in connection with its loans in selected states where the sale of such insurance is permitted by law. It offers automobile club memberships to its borrowers in Alabama, Georgia, Idaho, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Oklahoma, Tennessee, Texas, South Carolina, Utah and Wisconsin, as an agent for an unaffiliated automobile club. The Company operates approximately 1,000 community-based branches across 16 states.
- Revenue in USD (TTM)573.44m
- Net income in USD42.76m
- Incorporated1973
- Employees2.84k
- LocationWorld Acceptance Corp108 Fredrick StreetGREENVILLE 29607United StatesUSA
- Phone+1 (864) 298-9800
- Websitehttps://www.loansbyworld.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Yiren Digital Ltd - ADR | 899.17m | 181.48m | 326.62m | 949.00 | 1.81 | 0.2182 | 1.78 | 0.3632 | 2.09 | 2.09 | 10.34 | 17.32 | 0.4453 | -- | 8.48 | 947,488.90 | 8.99 | 11.66 | 11.12 | 15.11 | 88.21 | 80.06 | 20.18 | 23.02 | -- | -- | 0.0009 | -- | 18.59 | -7.93 | -23.94 | 6.49 | -28.16 | -- |
| Regional Management Corp | 645.60m | 44.41m | 331.91m | 2.13k | 7.82 | 0.8896 | 7.68 | 0.5141 | 4.44 | 4.44 | 64.65 | 39.05 | 0.3218 | -- | -- | -- | 2.21 | 2.84 | 2.31 | 3.43 | -- | -- | 6.88 | 8.88 | -- | 1.68 | 0.8149 | 23.15 | 9.70 | 11.54 | 7.73 | 10.69 | -- | 43.10 |
| Better Home & Finance Holding Co | 181.26m | -185.18m | 448.61m | 1.25k | -- | 10.48 | -- | 2.47 | -12.20 | -12.20 | 11.93 | 2.73 | 0.1626 | -- | 7.22 | 145,005.60 | -16.61 | -- | -28.96 | -- | 80.30 | 31.63 | -102.16 | -61.85 | -- | -- | 0.9674 | -- | 25.05 | 5.96 | 61.54 | -- | -5.63 | -- |
| LexinFintech Holdings Ltd - ADR | 1.99bn | 264.19m | 498.06m | 4.67k | 2.00 | 0.2911 | -- | 0.25 | 1.48 | 1.48 | 11.18 | 10.17 | 0.604 | 253.77 | 2.51 | 426,886.50 | 8.01 | 5.48 | 14.96 | 11.56 | 36.02 | 36.50 | 13.26 | 9.84 | 1.80 | -- | 0.2869 | 5.07 | 8.78 | 6.02 | 3.24 | -13.67 | 37.72 | -- |
| World Acceptance Corp | 573.44m | 42.76m | 598.74m | 2.84k | 15.53 | 1.66 | 11.84 | 1.04 | 7.81 | 7.81 | 111.41 | 73.25 | 0.5091 | -- | -- | 202,058.40 | 3.80 | 6.16 | 4.24 | 7.11 | 92.33 | 92.84 | 7.46 | 11.55 | -- | -- | 0.6208 | 0.00 | -1.46 | -0.8687 | 16.03 | 26.09 | -32.21 | -- |
| Lendingtree Inc | 1.06bn | 14.16m | 626.80m | 927.00 | 45.10 | 4.72 | 17.17 | 0.5918 | 1.02 | 1.02 | 77.81 | 9.71 | 1.37 | -- | 6.57 | 1,142,565.00 | 1.83 | -5.75 | 2.59 | -6.73 | 96.16 | 94.65 | 1.34 | -6.74 | -- | 1.66 | 0.7477 | -- | 33.86 | -4.04 | 65.93 | -- | -10.95 | -- |
| Green Dot Corporation | 2.01bn | -46.94m | 662.14m | 1.15k | -- | 0.7233 | 17.96 | 0.329 | -0.8481 | -0.8481 | 36.63 | 16.48 | 0.3642 | -- | 48.10 | 1,750,348.00 | -0.8494 | 0.5128 | -4.79 | 2.40 | -- | -- | -2.33 | 1.56 | -- | 0.921 | 0.8241 | 0.00 | 14.82 | 9.23 | -497.23 | -- | -1.02 | -- |
| Loandepot Inc | 1.48bn | -73.40m | 706.46m | 4.90k | -- | 2.72 | -- | 0.4783 | -0.3683 | -0.3683 | 7.26 | 0.7783 | 0.2333 | -- | -- | 301,431.80 | -2.25 | 3.86 | -5.39 | -- | 81.26 | 87.58 | -9.63 | 11.83 | -- | 0.5491 | 0.9117 | -- | 8.71 | -2.31 | 10.72 | -- | 16.02 | -- |
| Stewards Inc | 1.84m | -2.05m | 731.90m | 0.00 | -- | -- | -- | 398.24 | -0.0972 | -0.0972 | 0.0867 | -0.0691 | 1.05 | -- | 1.53 | -- | -117.26 | -- | -- | -- | -2.23 | -- | -111.48 | -- | -- | -3.89 | 1.79 | -- | 1,753.39 | -- | -486.71 | -- | -- | -- |
| Nerdwallet Inc | 795.00m | 73.30m | 746.76m | 650.00 | 11.21 | 1.86 | 6.13 | 0.9393 | 0.9162 | 0.9162 | 10.17 | 5.53 | 1.78 | -- | 6.71 | 1,223,077.00 | 16.38 | -1.64 | 19.44 | -1.91 | 91.60 | 91.55 | 9.22 | -1.18 | -- | -- | 0.0142 | -- | 14.71 | 24.67 | 357.63 | 1.73 | 7.55 | -- |
| Velocity Financial Inc | 433.35m | 89.72m | 783.84m | 309.00 | 8.31 | 1.24 | 8.56 | 1.81 | 2.43 | 2.43 | 11.59 | 16.30 | 0.0713 | -- | 10.90 | 1,402,411.00 | 1.50 | 1.18 | 1.64 | 1.28 | 86.20 | 92.53 | 21.01 | 14.86 | -- | 1.14 | 0.9061 | 0.00 | 30.65 | 20.81 | 31.18 | 31.34 | 20.29 | -- |
| Atlanticus Holdings Corp | 731.21m | 105.26m | 858.98m | 417.00 | 10.07 | 1.46 | 7.74 | 1.17 | 5.63 | 5.63 | 38.26 | 41.60 | 0.1445 | -- | -- | 1,753,508.00 | 2.31 | 5.98 | 2.46 | 6.34 | 50.44 | 63.53 | 16.00 | 24.79 | -- | -- | 0.9062 | 0.00 | 23.95 | 10.83 | 12.52 | 28.14 | 48.23 | -- |
Data as of Feb 11 2026. Currency figures normalised to World Acceptance Corp's reporting currency: US Dollar USD
57.94%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Prescott General Partners LLCas of 30 Sep 2025 | 1.51m | 30.02% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 419.65k | 8.33% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 274.10k | 5.44% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 227.87k | 4.52% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 123.82k | 2.46% |
| American Century Investment Management, Inc.as of 30 Sep 2025 | 85.62k | 1.70% |
| Geode Capital Management LLCas of 30 Sep 2025 | 85.12k | 1.69% |
| Charles Schwab Investment Management, Inc.as of 30 Sep 2025 | 65.88k | 1.31% |
| Bridgeway Capital Management LLCas of 30 Sep 2025 | 63.12k | 1.25% |
| AQR Capital Management LLCas of 30 Sep 2025 | 61.16k | 1.21% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
