World Acceptance
Underwrites installment loans and tax-advance credit through more than a thousand community branches across sixteen states.
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Profile
Sells fixed-term installment loans across three tiers — small, large, and tax-advance — underwritten and repaid through a network of community branches, supplemented by tax-return preparation and credit insurance offered as an agent. Subject to state usury-law limits and federal consumer-protection supervision, including a contested CFPB designation.
Offers three loan products — small installment loans, larger installment loans, and tax-advance loans tied to a seasonal tax-preparation service — plus credit insurance sold as an agent where state law permits.
Operates through more than a thousand community branches across sixteen southern and central US states, concentrated in Texas and Georgia, with local staff underwriting loans in person and cultivating repeat customer relationships rather than centralized, algorithm-driven approval.
Lending is bound by state usury-law ceilings that vary by jurisdiction, and the business is subject to federal consumer-protection oversight, including a contested Consumer Financial Protection Bureau supervisory designation covering insurance-disclosure, collections, credit-reporting, and loan-refinancing practices.
Company facts
Categories
Key statistics
Year to date +32.7% · Average volume (30d) 115.2K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 24, 2026Q1 FY27 | $0.58 | $2.12 | +265.5% | $143.9M | $139.2M | −3.3% | −4.32% |
| Apr 30, 2026Q4 FY26 | $7.74 | $7.70 | −0.5% | $168.4M | $177.6M | +5.4% | +3.30% |
| Jan 27, 2026Q3 FY26 | $0.58 | −$0.19 | −132.8% | $129.4M | $141.3M | +9.2% | −1.65% |
| Oct 23, 2025Q2 FY26 | $1.87 | −$0.38 | −120.3% | $133.5M | $134.5M | +0.7% | −8.90% |
Financial highlights
| 12 quarters | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | |
|---|---|---|---|---|---|---|---|
| Revenue | $165.3M | $132.8M | $134.5M | $141.3M | $177.0M | $139.2M | |
| Gross profit | $121.1M | $72.6M | $70.3M | $77.0M | $127.5M | $84.0M | |
| Operating income | $55.1M | $2.3M | −$1.7M | −$1.0M | $46.0M | $7.9M | |
| Net income | $44.3M | $1.6M | −$1.9M | −$911.3K | $36.1M | $6.1M | |
| Diluted EPS | $8.13 | $0.25 | −$0.38 | −$0.19 | $7.70 | $1.33 | |
| Gross margin | 73.2% | 54.7% | 52.3% | 54.5% | 72.0% | 60.4% | |
| Operating margin | 33.3% | 1.7% | -1.3% | -0.7% | 26.0% | 5.7% |
Fiscal years (4-quarter sums)FY22 $582.4M · FY23 $616.9M · FY24 $573.2M · FY25 $564.8M · FY26 $585.5M
Balance sheet, Jun 30, 2026Cash & short-term investments $10.4M · Total debt $648.1M · Total assets $1.08B · Shareholders' equity $362.2M
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 4.66M · Float 3.76M · 80.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 447.2K | 9.60% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 222.9K | 4.78% | 13F | Aug 11, 2026 |
| AQR Capital Management LLC | 201.3K | 4.32% | 13F | Aug 14, 2026 |
| Jacobs Levy Equity Management, Inc | 113.1K | 2.43% | 13F | Aug 14, 2026 |
| Vanguard Capital Management LLC | 111.6K | 2.39% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 14, 2026 | Prescott General Partners LLC | 10 percent owner, other: Member of Section 13(d) Group | −133,199 | $187.69 |
| Aug 12, 2026 | Jason E. Childers | officer: SVP, Information Technology | −2,000 | $190.74 |
| Aug 10, 2026 | Benjamin E. III Robinson | director | −90 | $187.26 |
| Aug 3, 2026 | Scott McIntyre | officer: SVP, Accounting | −1,300 | $185.00 |
| Jul 30, 2026 | John L. Jr Calmes | officer: See remarks | −2,000 | $186.00 |
Peers
- OneMain
Branch-based installment lending to non-prime borrowers, 10x the scale
- Regional Management
Community-branch installment lending to the same non-prime borrower base
- Enova International
Online installment lending to the same non-prime borrower segment
- FirstCash
Pawn lender whose POS financing arm serves non-prime consumers
- H&R Block
National tax-prep chain with a competing refund-advance loan
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| World Acceptance | $188.35 | +0.07% | $877.8M | 22.3 | 15.2 | 1.5 | +5.1% |
| OneMain | $63.02 | +0.29% | $7.26B | 9.5 | 8.0 | 1.1 | −15.5% |
| Regional Management | $32.55 | +0.34% | $299.7M | 6.9 | 5.7 | 0.4 | +6.7% |
| Enova International | $232.30 | −0.09% | $5.79B | 17.3 | 12.0 | 1.9 | +21.6% |
| FirstCash | $219.21 | +0.08% | $9.51B | 25.0 | 18.1 | 2.3 | +29.4% |
| H&R Block | $52.20 | −0.53% | $6.65B | 9.1 | 8.4 | 1.7 | +3.1% |
| Median | 9.5 | 8.4 | 1.7 | +6.7% |