WRLD
World Acceptance Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
187.26
▲ 3.32 (1.80%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
184.04
Prev close
183.94
Day high
190.53
Day low
185.30
Volume
44.55K
Market cap
$877.94M
P/E (TTM)
23.77
52W range
110.00 – 227.68
Insider net activity
Net shares
-136.04K
Net selling
Buy transactions
2
9.13K shares
Sell transactions
13
145.16K shares
Net transactions
+15
Buys less sells
Sell : buy shares
15.9 : 1
Heavily one-sided
Insider-held shares
817.29K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 14, 26 | PRESCOTT GENERAL PARTNERS L L C Beneficial Owner of more than 10% of a Class of Security |
SELL | 133.20K | $25.00M | Indirect |
| Aug 12, 26 | CHILDERS JASON E Officer |
SELL | 2.00K | $381.48K | Direct |
| Aug 10, 26 | ROBINSON BENJAMIN E III Director |
SELL | 90 | $16.85K | Direct |
| Aug 3, 26 | MCINTYRE SCOTT Officer |
SELL | 1.30K | $240.50K | Direct |
| Jul 30, 26 | CALMES JOHN L JR. Officer and Treasurer |
SELL | 2.00K | $372.00K | Direct |
| Jun 30, 26 | WAY CHARLES D Director |
SELL | 833 | $187.43K | Direct |
| Jun 29, 26 | ROBINSON BENJAMIN E III Director |
SELL | 2.03K | $452.45K | Direct |
| Jun 29, 26 | ROBINSON BENJAMIN E III Director |
CONVERSION | 2.03K | $382.60K | Direct |
| Jun 26, 26 | WAY CHARLES D Director |
SELL | 833 | $174.93K | Direct |
| Jun 15, 26 | CAULDER ALICE LINDSAY Officer |
SELL | 609 | $110.23K | Direct |
| Jun 12, 26 | UMSTETTER LUKE J General Counsel |
SELL | 1.00K | $181.66K | Direct |
| May 22, 26 | ROBINSON BENJAMIN E III Director |
SELL | 90 | $14.40K | Direct |
| Apr 30, 26 | ROBINSON BENJAMIN E III Director |
SELL | 180 | $28.80K | Direct |
| Apr 16, 26 | MATRICCIANI JANET LEWIS Chief Executive Officer |
STOCK | 7.09K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BRAMLETT KEN R JR |
Director | 32.20K | Sale |
CALMES JOHN L JR. |
Officer and Treasurer | 48.33K | Sale |
CAULDER ALICE LINDSAY |
Officer | 14.68K | Sale |
CHILDERS JASON E |
Officer | 12.80K | Sale |
DYER DANIEL CLINTON |
Officer | 33.64K | Sale |
MCINTYRE SCOTT |
Officer | 14.66K | Sale |
PRASHAD RAVIN CHAD |
Chief Executive Officer | 67.57K | Stock Gift |
PRESCOTT GENERAL PARTNERS L L C |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
TURNER JAMES TOBIN |
Chief Operating Officer | 16.25K | Stock Award(Grant) |
UMSTETTER LUKE J |
General Counsel | 28.25K | Sale |
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
-3.33%
-2.0%
1M
+3.97%
+0.2%
3M
+19.08%
+16.0%
6M
+44.12%
+33.1%
YTD
+34.10%
+21.8%
1Y
+15.14%
-4.9%
3Y
+40.54%
-33.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$877.94M
Enterprise value$1.49B
Revenue (TTM)$591.22M
Gross profit$409.38M
EBITDA$112.58M
Net income$39.11M
EPS (TTM)$7.92
Free cash flow$60.71M
Total cash$10.42M
Total debt$648.07M
Book value / share$78.28
Shares outstanding4.66M
Float2.32M
Short % of float239.94%
Dividend yield—
Beta (5Y)1.14
Short interest
Shares short
507.59K
Prior 575.39K
Change vs prior
-11.8%
Shorts covering
% of float
239.94%
Heavily shorted
% of shares out
10.89%
Against total outstanding
Days to cover
3.6
Liquid
Float
2.32M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Valuation & profitability ratios
Trailing P/E23.77
Forward P/E12.44
PEG ratio0.70
Price / sales—
Price / book2.41
EV / revenue2.52
EV / EBITDA13.23
Gross margin69.24%
Operating margin15.32%
Profit margin6.61%
Return on equity9.90%
Return on assets6.17%
Debt / equity178.94
Current ratio10.38
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2026 | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|---|
| Total revenue | $535.72M | $521.46M | $524.58M | $566.08M | +2.7% |
| Operating revenue | $535.72M | $521.46M | $524.58M | $566.08M | +2.7% |
| Selling, general & admin | $250.33M | $187.98M | $214.60M | $222.90M | +33.2% |
| Pre-tax income | $45.24M | $111.31M | $99.00M | $27.15M | -59.4% |
| Tax provision | $10.66M | $22.07M | $21.96M | $5.91M | -51.7% |
| Net income | $34.59M | $89.24M | $77.05M | $21.23M | -61.2% |
| Net income to common | $34.59M | $89.24M | $77.05M | $21.23M | -61.2% |
| Basic EPS | 7.52 | 16.45 | 13.02 | 3.41 | -54.3% |
| Diluted EPS | 6.97 | 16.21 | 13.02 | 3.41 | -57.0% |
| Basic shares | 4.66M | 5.43M | 5.94M | 6.23M | -14.2% |
| Diluted shares | 5.03M | 5.51M | 5.94M | 6.23M | -8.7% |
| Line item | 2026 | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $6.07M | $4.71M | $11.84M | $16.51M | +28.8% |
| Property, plant & equipment | $88.96M | $96.00M | $102.40M | $105.22M | -7.3% |
| Goodwill & intangibles | $11.58M | $14.77M | $18.44M | $22.66M | -21.6% |
| Total assets | $1.05B | $1.01B | $1.06B | $1.12B | +4.5% |
| Long-term debt | $587.23M | $446.87M | $496.03M | $595.26M | +31.4% |
| Total debt | $661.19M | $525.56M | $577.95M | $679.00M | +25.8% |
| Total liabilities | $703.12M | $571.50M | $631.92M | $732.09M | +23.0% |
| Retained earnings | $71.56M | $170.57M | $137.99M | $97.15M | -58.0% |
| Shareholder equity | $351.01M | $436.99M | $424.43M | $385.23M | -19.7% |
| Net tangible assets | $339.43M | $422.23M | $405.99M | $362.57M | -19.6% |
| Shares issued | 4.66M | 5.37M | 5.94M | 6.23M | -13.4% |
| Line item | 2026 | 2025 | 2024 | 2023 | YoY |
|---|---|---|---|---|---|
| Net income | $34.59M | $89.24M | $77.05M | $21.23M | -61.2% |
| Depreciation & amortisation | $8.99M | $10.13M | $10.89M | $10.91M | -11.3% |
| Stock-based compensation | $19.34M | -$19.69M | -$1.68M | $9.05M | +198.2% |
| Change in working capital | -$2.09M | -$7.04M | -$890.52K | -$21.48M | +70.4% |
| Operating cash flow | $259.36M | $254.16M | $265.78M | $291.55M | +2.0% |
| Capital expenditure | -$3.88M | -$3.68M | -$5.93M | -$5.83M | -5.4% |
| Investing cash flow | -$232.88M | -$152.75M | -$135.14M | -$180.58M | -52.5% |
| Share buybacks | -$132.42M | -$54.20M | -$36.20M | -$14.31M | -144.3% |
| Financing cash flow | -$6.83M | -$103.52M | -$135.32M | -$113.70M | +93.4% |
| Free cash flow | $255.48M | $250.48M | $259.85M | $285.73M | +2.0% |
| End cash position | $29.37M | $9.73M | $11.84M | $16.51M | +201.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $127.79M | $164.31M | $128.47M | $120.12M | $123.14M | -22.2% |
| Operating revenue | $127.79M | $164.31M | $128.47M | $120.12M | $123.14M | -22.2% |
| Selling, general & admin | $63.32M | $68.41M | $64.84M | $59.34M | $57.74M | -7.4% |
| Pre-tax income | $7.90M | $46.00M | -$1.01M | -$1.69M | $2.27M | -82.8% |
| Tax provision | $1.79M | $9.90M | -$102.05K | $260.15K | $684.33K | -81.9% |
| Net income | $6.11M | $36.10M | -$911.33K | -$1.95M | $1.58M | -83.1% |
| Net income to common | $6.11M | $36.10M | -$911.33K | -$1.95M | $1.58M | -83.1% |
| Basic EPS | 1.36 | 7.84 | -0.19 | -0.38 | 0.30 | -82.7% |
| Diluted EPS | 1.33 | 7.70 | -0.19 | -0.38 | 0.30 | -82.7% |
| Basic shares | 4.49M | 4.66M | 4.76M | 5.09M | 5.22M | -3.5% |
| Diluted shares | 4.58M | 4.75M | 4.76M | 5.09M | 5.29M | -3.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $10.42M | $6.07M | $10.00M | $14.88M | $8.13M | +71.6% |
| Property, plant & equipment | $90.00M | $88.96M | $90.12M | $91.52M | $93.71M | +1.2% |
| Goodwill & intangibles | $10.81M | $11.58M | $12.35M | $13.13M | $13.93M | -6.7% |
| Total assets | $1.08B | $1.05B | $1.14B | $1.06B | $1.02B | +2.4% |
| Long-term debt | $572.83M | $587.23M | $677.23M | $584.59M | $471.74M | -2.5% |
| Total debt | $648.07M | $661.19M | $751.93M | $660.08M | $548.82M | -2.0% |
| Total liabilities | $716.86M | $703.12M | $790.78M | $696.72M | $596.21M | +2.0% |
| Retained earnings | $75.50M | $71.56M | $76.15M | $92.14M | $161.38M | +5.5% |
| Shareholder equity | $362.18M | $351.01M | $351.60M | $365.65M | $427.85M | +3.2% |
| Net tangible assets | $351.37M | $339.43M | $339.25M | $352.52M | $413.92M | +3.5% |
| Shares issued | 4.50M | 4.66M | 4.94M | 5.07M | 5.44M | -3.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $6.11M | $36.10M | -$911.33K | -$2.19M | $1.58M | -83.1% |
| Depreciation & amortisation | $2.21M | $2.19M | $2.19M | $2.26M | $2.35M | +1.2% |
| Stock-based compensation | $5.21M | $4.75M | $5.43M | $6.06M | $3.11M | +9.6% |
| Change in working capital | $388.33K | $10.57M | $869.02K | -$8.82M | -$4.70M | -96.3% |
| Operating cash flow | $64.37M | $94.60M | $57.97M | $48.63M | $58.15M | -32.0% |
| Capital expenditure | -$2.46M | -$1.12M | -$807.94K | -$917.98K | -$1.04M | -120.0% |
| Investing cash flow | -$51.01M | $21.32M | -$104.80M | -$81.14M | -$68.27M | -339.3% |
| Share buybacks | -$2.17M | -$37.83M | -$14.99M | -$66.63M | -$12.97M | +94.3% |
| Financing cash flow | -$14.75M | -$128.77M | $74.16M | $39.27M | $8.51M | +88.5% |
| Free cash flow | $61.91M | $93.49M | $57.16M | $47.71M | $57.11M | -33.8% |
| End cash position | $27.98M | $29.37M | $42.21M | $14.88M | $8.13M | -4.8% |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.58 | 1.33 | +129.3% |
| Mar 2026 | 7.74 | 7.70 | -0.5% |
| Dec 2025 | 0.93 | -0.19 | -120.4% |
| Sep 2025 | 1.11 | -0.38 | -134.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.79 | 1 | $140.70M | +4.6% |
| Next quarter | 0.97 | 1 | $149.70M | +6.0% |
| Current year | 13.18 | 1 | $613.10M | +4.7% |
| Next year | 15.14 | 1 | $654.90M | +6.8% |
Analyst targets & ownership
Mean target$210.00
High target$210.00
Low target$210.00
Implied upside12.14%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders18.07%
Held by institutions92.26%
Institutions holding271
Price targets, consensus spread, insider and institutional ownership.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 23, 23 | BMO Capital | MAINTAINED | Underperform | Underperform |
| Jul 24, 23 | BMO Capital | MAINTAINED | Underperform | Underperform |
| Jul 19, 23 | Stephens & Co. | MAINTAINED | Underweight | Underweight |
| Jan 27, 23 | BMO Capital | MAINTAINED | — | Underperform |
| Oct 28, 22 | Stephens & Co. | MAINTAINED | — | Underweight |
| Jul 28, 22 | Stephens & Co. | MAINTAINED | — | Underweight |
| Jun 29, 22 | Stephens & Co. | DOWNGRADE | Equal-Weight | Underweight |
| Jul 22, 21 | Stephens & Co. | UPGRADE | Underweight | Equal-Weight |
| Dec 18, 19 | Janney Montgomery Scott | UPGRADE | Sell | Neutral |
| Jul 25, 19 | Janney Montgomery Scott | DOWNGRADE | Neutral | Sell |
| Nov 5, 18 | BMO Capital | MAINTAINED | Underperform | Underperform |
| Jul 27, 18 | BMO Capital | MAINTAINED | Underperform | Underperform |
Moving averages & technicals
SMA 10
188.19
-0.50% from price
SMA 20
188.26
+0.00% from price
SMA 50
191.83
-1.86% from price
SMA 100
172.21
+8.74% from price
SMA 200
155.00
+21.46% from price
EMA 12
188.11
-0.45% from price
EMA 26
188.89
-0.86% from price
EMA 50
185.80
+0.79% from price
RSI (14)
49.4
Neutral
MACD (12,26,9)
-0.78
Hist -0.33
ATR (14)
6.41
3.41% of price
Realised vol 30D
48.5%
Annualised
Bollinger upper
196.32
20, 2σ
Bollinger lower
180.21
20, 2σ
50 / 200 cross
Golden
191.83 vs 155.00
Trend bias
Above 200
+21.46%
Risk profile
Beta vs SPY
0.96
Less volatile than market
Correlation to SPY
0.24
Largely independent
Realised vol 30D
48.5%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-37.3%
Peak to trough
Max drawdown 5Y
-77.0%
Peak to trough
ATR 14
6.41
3.41% of price
Beta (reported)
1.14
5Y monthly, from filing
Dividends & splits
Forward rate—
Forward yield—
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split3:1
Split dateSep 1, 1995
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-19
Corporate Changes & Voting Matters
8-K · 2026-08-13
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-24
Proxy Statements
DEF 14A · 2026-07-22
Corporate Changes & Voting Matters
8-K · 2026-07-01
Annual report of employee stock purchase
11-K · 2026-06-22
Periodic Financial Reports
10-K/A · 2026-06-05
Headlines
World Acceptance Insider Sold Shares Worth $381,480, According to a Recent SEC Filing
MT Newswires · 9d ago
Why World Acceptance Stock Soared Today
Motley Fool · 29d ago
World Acceptance Corp (WRLD) Q1 2027 Earnings Call Highlights: Strong Revenue Growth and ...
GuruFocus.com · 29d ago
World Acceptance Corporation Q1 2027 Earnings Call Summary
Moby · 29d ago
Update: World Acceptance Shares Rise After Fiscal Q1 Earnings, Revenue Increase
MT Newswires · 29d ago
World Acceptance Q1 Earnings Call Highlights
MarketBeat · 29d ago
World Acceptance tops earnings forecasts despite softer-than-expected revenue
InvestorsHub · 29d ago
World Acceptance Fiscal Q1 Earnings, Revenue Rise
MT Newswires · 29d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.