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About the company
World Acceptance Corporation is a small-loan consumer finance company. The Company is engaged in offering short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It 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 also offers income tax return preparation services to its loan customers and other individuals. It also 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. The Company operates approximately 1,073 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Texas, Tennessee, Utah, and Wisconsin.
- Revenue in USD (TTM)575.18m
- Net income in USD67.93m
- Incorporated1973
- Employees3.08k
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CompoSecure Inc | 390.63m | 19.24m | 525.88m | 922.00 | 7.10 | -- | 4.35 | 1.35 | 0.9198 | 0.9198 | 12.40 | -10.11 | 2.15 | 3.83 | 10.05 | 423,675.70 | 61.83 | -- | -- | -- | 53.52 | -- | 28.80 | -- | 2.12 | 4.90 | 2.57 | -- | 3.21 | -- | 3.12 | -- | -- | -- |
| Velocity Financial Inc | 319.01m | 51.52m | 548.65m | 253.00 | 10.99 | 1.26 | 10.34 | 1.72 | 1.51 | 1.51 | 9.25 | 13.19 | 0.0783 | -- | 13.43 | 1,260,921.00 | 1.28 | 1.07 | 1.44 | 1.14 | 90.42 | 93.93 | 16.39 | 13.64 | -- | 1.39 | 0.8979 | 0.00 | 28.92 | 20.43 | 62.42 | 46.51 | -36.19 | -- |
| Open Lending Corp | 117.46m | 22.07m | 555.24m | 210.00 | 25.99 | 2.69 | 23.90 | 4.73 | 0.1793 | 0.1793 | 0.9675 | 1.73 | 0.3117 | -- | 2.51 | 559,333.30 | 5.86 | 15.71 | 6.15 | 16.62 | 81.03 | 89.02 | 18.79 | 27.96 | -- | 89.19 | 0.412 | 422.19 | -34.60 | 17.61 | -66.87 | -- | 3.02 | -- |
| Cass Information Systems Inc | 215.93m | 30.09m | 567.76m | 1.06k | 19.09 | 2.47 | 21.21 | 2.63 | 2.18 | 2.18 | 15.65 | 16.83 | 0.0915 | -- | 6.16 | 203,514.60 | 1.27 | 1.33 | 11.57 | 10.70 | 91.57 | 96.71 | 13.94 | 17.21 | -- | -- | 0.7438 | 52.08 | 13.84 | 7.00 | -13.88 | -0.0896 | 26.63 | 6.60 |
| EZCORP Inc | 1.08bn | 50.16m | 617.72m | 7.50k | 17.87 | 0.7985 | 7.45 | 0.5695 | 0.6266 | 0.6266 | 13.81 | 14.03 | 0.7524 | 2.83 | 16.47 | 144,627.30 | 3.48 | 0.4886 | 3.91 | 0.5558 | 58.07 | 58.39 | 4.62 | 0.7045 | 3.08 | 2.60 | 0.3189 | 0.00 | 18.37 | 5.25 | -23.32 | -2.13 | -0.0138 | -- |
| International Money Express Inc | 658.73m | 59.52m | 720.19m | 1.11k | 13.03 | 4.85 | 9.95 | 1.09 | 1.64 | 1.64 | 18.08 | 4.41 | 1.21 | -- | 4.62 | 593,454.10 | 10.93 | 12.47 | 17.49 | 19.28 | -- | -- | 9.03 | 9.27 | -- | 9.51 | 0.5581 | 0.00 | 20.47 | 19.19 | 3.81 | -- | 18.62 | -- |
| Loandepot Inc | 1.29bn | -110.14m | 756.03m | 4.25k | -- | 2.14 | -- | 0.5867 | -0.6323 | -0.6323 | 7.37 | 1.10 | 0.202 | -- | -- | 303,196.00 | -3.69 | 4.67 | -6.88 | -- | 82.54 | 87.76 | -18.28 | 13.42 | -- | 0.262 | 0.857 | -- | -19.52 | 0.2811 | 59.66 | -- | -12.75 | -- |
| Alpha Investment Inc | 0.00 | -580.31k | 805.81m | -- | -- | -- | -- | -- | -0.0574 | -0.0574 | 0.00 | -0.3849 | 0.00 | -- | -- | -- | -182,501.60 | -88.71 | -- | -132.49 | -- | -77.77 | -- | -2,068.82 | -- | -9.45 | -- | -- | -100.00 | -- | -47.04 | -- | -- | -- |
| World Acceptance Corp. | 575.18m | 67.93m | 810.93m | 3.08k | 11.91 | 1.99 | 10.30 | 1.41 | 11.20 | 11.20 | 95.64 | 67.02 | 0.4923 | -- | -- | 187,049.30 | 5.81 | 5.25 | 6.55 | 5.97 | 91.33 | 94.63 | 11.81 | 9.26 | -- | -- | 0.5897 | 0.00 | 5.87 | 4.17 | -60.62 | -19.92 | -12.18 | -- |
| Federal Home Loan Mortgage Corp | 106.07bn | -166.00m | 812.57m | 8.00k | -- | -- | -- | 0.0077 | -0.2467 | -0.2467 | 158.55 | 42.83 | 0.0327 | -- | -- | 13,252,120.00 | 0.3248 | 0.3389 | 0.3311 | 0.3496 | 101.52 | -- | 9.93 | 11.65 | -- | 1.15 | 0.9853 | 0.00 | 22.32 | 10.36 | -148.54 | -- | -- | -- |
| Guild Holdings Co | 852.88m | -39.01m | 855.44m | 4.20k | -- | 0.7232 | -- | 1.00 | -0.6603 | -0.6603 | 13.89 | 19.36 | 0.2466 | -- | 11.87 | 203,066.20 | -1.13 | 5.30 | -1.18 | 5.56 | -- | -- | -4.59 | 14.41 | -- | 0.3049 | 0.6265 | 15.96 | -14.41 | 1.70 | -111.87 | -- | -3.79 | -- |
| LendingClub Corp | 864.62m | 38.94m | 872.24m | 1.03k | 21.96 | 0.6968 | 10.12 | 1.01 | 0.3598 | 0.3598 | 7.97 | 11.34 | 0.1029 | -- | -- | 843,530.80 | 0.4634 | 0.5363 | 3.04 | 1.40 | -- | -- | 4.50 | 2.98 | -- | -- | 0.8545 | 0.00 | -27.17 | -4.36 | -86.56 | -- | 2.35 | -- |
| Repay Holdings Corp | 296.63m | -110.49m | 926.03m | 512.00 | -- | 1.07 | -- | 3.12 | -1.22 | -1.22 | 3.29 | 8.98 | 0.1885 | -- | 8.53 | 579,349.60 | -7.46 | -5.78 | -7.94 | -6.48 | 76.50 | 75.60 | -39.59 | -33.43 | -- | 2.39 | 0.3432 | -- | 6.23 | -- | -960.78 | -- | -- | -- |
| Ellington Financial Inc | 370.17m | 60.90m | 971.35m | 400.00 | 12.74 | 0.8161 | 14.57 | 2.62 | 0.8961 | 0.8961 | 5.39 | 18.28 | 0.0252 | -- | 8.35 | 925,430.00 | 0.6037 | 0.5657 | 0.7601 | 0.8477 | 23.58 | 39.98 | 23.98 | 17.86 | -- | -0.1981 | 0.8967 | 244.22 | 31.17 | 22.35 | 171.36 | 5.46 | -- | 1.88 |
| Global Blue Group Holding Ltd | 430.26m | 22.76m | 994.73m | 1.78k | 42.57 | 14.60 | 13.55 | 2.31 | 0.1175 | 0.1175 | 2.24 | 0.3424 | 0.3585 | -- | 1.79 | 241,309.80 | 2.44 | -- | 3.65 | -- | -- | -- | 6.80 | -- | -- | 2.24 | 0.8915 | -- | 147.32 | -- | 73.63 | -- | -- | -- |
| Foreign Trade Bank of Latin America Inc | 679.26m | 166.16m | 1.08bn | 238.00 | 6.50 | 0.8929 | 6.39 | 4.06 | 4.55 | 4.55 | 7.29 | 33.14 | -- | -- | -- | -- | 1.66 | 1.18 | -- | -- | -- | -- | 62.44 | 61.69 | -- | -- | -- | 35.45 | 104.21 | 21.32 | 80.53 | 71.69 | -- | -8.27 |
Data as of Apr 19 2024. Currency figures normalised to World Acceptance Corp's reporting currency: US Dollar USD
69.85%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Prescott General Partners LLCas of 31 Dec 2023 | 2.04m | 33.51% |
| CAS Investment Partners LLCas of 31 Dec 2023 | 562.49k | 9.25% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 545.83k | 8.98% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 366.18k | 6.02% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 286.58k | 4.71% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 140.82k | 2.32% |
| Geode Capital Management LLCas of 31 Dec 2023 | 84.18k | 1.38% |
| Charles Schwab Investment Management, Inc.as of 31 Dec 2023 | 79.11k | 1.30% |
| Ridgeview Smith Investments LLCas of 30 Sep 2023 | 77.65k | 1.28% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Dec 2023 | 67.01k | 1.10% |
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Data from 30 Sep 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
