World Acceptance
WRLD on Nasdaq. Personal credit institutions. Market value $822m.
Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to March 2026.
Should I look at this?
Not a fit for our list right now
Why it could be worth it
See Financial services stocks that passed both tests
This is not advice. Check the numbers below.
Yearly profit per dollar of owners' money: 14 cents. Above 10 is good.
What you pay for each dollar of net assets: $2.27.
Profit per $100 you pay: $4.76.
Quality score: 64 of 100. Price score: 47 of 100. Our list needs 70 on quality and 60 on price.
$176.28 a share, 60% above its 1-year low
Over the past year the price has ranged from $110.00 to $227.68.
Pays no dividend
Prices from Monday’s close (5 October).
Five years of cash, in billions
| Revenue | |||||
| Revenue | $585m | $617m | $573m | $564m | $585m |
| Operating margin | |||||
| Operating margin | n/a | n/a | n/a | n/a | n/a |
| Debt to equity | |||||
| Debt to equity | n/a | n/a | n/a | n/a | n/a |
| Shares outstanding | |||||
| Shares outstanding | 0.01bn | 0.01bn | 0.01bn | 0.00bn | 0.00bn |
Health checks
- Free cash flow positiveDoesn't apply to banks and insurers
- Accounting checksDoesn't apply to banks and insurers
- DebtDoesn't apply to banks and insurers
- Revenue growth, five yearsSlow, 2.1% a year
- Buying back its own sharesYes, 25% fewer since 2022
The quarter to June 2026
How the business did, compared with the same quarter a year earlier.
- Sales: $139 million last quarter, up 5% on a year ago.
- Profit: $6 million, up 285% on a year ago.
- Spare cash over the past 12 months: $261 million, up from $260 million.
- 13% fewer shares than a year ago. Each share owns a bit more of the company.
- Sales grew on a year ago in each of the last 4 quarters.
| Quarter to | Amount |
|---|---|
| September 2024 | $132m |
| December 2024 | $139m |
| March 2025 | $164m |
| June 2025 | $133m |
| September 2025 | $135m |
| December 2025 | $142m |
| March 2026 | $176m |
| June 2026 | $139m |
| Quarter to | Amount |
|---|---|
| September 2024 | $22m |
| December 2024 | $14m |
| March 2025 | $43m |
| June 2025 | $2m |
| September 2025 | -$2m |
| December 2025 | -$625,000 |
| March 2026 | $35m |
| June 2026 | $6m |
From the company's quarterly reports to the SEC.
Dates
- Next results (estimated)
- n/a
- Last annual report (10-K)
- 4 June 2026
- Next quarterly (estimated, 10-Q)
- 5 November 2026
Who owns it
2 long-term investors we follow own it, unchanged from 2 last quarter. 198 funds in all.
- Barrow HanleyBarrow Hanley team
- Value
- $3,357
- Share of fund
- <0.1%
| Fund | Value | Share of that fund | Change |
|---|---|---|---|
| Royce & AssociatesChuck Royce | $2m | <0.1% | Cut |
| Barrow HanleyBarrow Hanley team | $3,357 | <0.1% |
Largest holders overall
- Prescott General Partners$339m
- BlackRock$100m
- Dimensional Fund Advisors LP$50m
- AQR Capital Management$45mAdded
- Jacobs Levy Equity Management$25mAdded
- Vanguard Capital Management$25mCut
- State Street$24mCut
- JPMorgan Chase$22mAdded
- BNP Paribas Financial Markets$21mAdded
- American Century Companies$21mAdded
From 13F filings for the quarter ended 30 June 2026.
Big holders and activists
2 investors own more than 5%.
- Prescott General Partners LLCPassive investorat least 28.5%−2.9 pts(filed with 5 related holders)Since 14 August 2026
What they said
Item 4 of the Schedule 13D is hereby amended and restated in its entirety as follows: "As described more fully in Item 5 below, as general partner of the Partnerships, PGP may be deemed to beneficially own 1,330,943 shares of Common Stock held by the Partnerships. PIIPS may be…
Read the filing - BlackRock, Inc.Passive investor9.0%Since 31 March 2025
- The Vanguard GroupPassive investorSold down below 5%Since 13 March 2026
| Holder | Stake | Since | |
|---|---|---|---|
Prescott General Partners LLC Passive investor | at least 28.5%−2.9 pts (filed with 5 related holders) | 14 August 2026 | What they saidItem 4 of the Schedule 13D is hereby amended and restated in its entirety as follows: "As described more fully in Item 5 below, as general partner of the Partnerships, PGP may be deemed to beneficially own 1,330,943 shares of Common Stock held by the Partnerships. PIIPS may be… Read the filing |
BlackRock, Inc. Passive investor | 9.0% | 31 March 2025 | |
The Vanguard Group Passive investor | Sold down below 5% | 13 March 2026 |
From Schedule 13D and 13G filings: anyone owning more than 5% must file one.
What insiders did
No insider bought shares on the open market in the last 12 months. 10 sold $29m, $874,854 of it under preset trading plans.
- VASSALLUZZO SCOTT JDirectorSold
- Date
- 14 August 2026
- Shares
- 133,199
- Price
- $187.69
- Value
- $25m
- Childers Jason E.SVP, Information TechnologySold
- Date
- 12 August 2026
- Shares
- 2,000
- Price
- $190.74
- Value
- $381,480
- Robinson Benjamin E IIIDirectorSoldunder a preset trading plan
- Date
- 10 August 2026
- Shares
- 90
- Price
- $187.26
- Value
- $16,853
- McIntyre ScottSVP, AccountingSold
- Date
- 3 August 2026
- Shares
- 1,300
- Price
- $185.00
- Value
- $240,500
- Calmes John L JrSee remarksSold
- Date
- 30 July 2026
- Shares
- 2,000
- Price
- $186.00
- Value
- $372,000
- WAY CHARLES DDirectorSoldunder a preset trading plan
- Date
- 30 June 2026
- Shares
- 833
- Price
- $225.00
- Value
- $187,425
- Robinson Benjamin E IIIDirectorSoldunder a preset trading plan
- Date
- 29 June 2026
- Shares
- 2,031
- Price
- $222.77
- Value
- $452,446
- WAY CHARLES DDirectorSoldunder a preset trading plan
- Date
- 26 June 2026
- Shares
- 833
- Price
- $210.00
- Value
- $174,930
- Caulder Alice LindsaySVP, Human ResourcesSold
- Date
- 15 June 2026
- Shares
- 609
- Price
- $181.00
- Value
- $110,229
- Umstetter Luke J.See remarksSold
- Date
- 12 June 2026
- Shares
- 1,000
- Price
- $181.66
- Value
- $181,660
| Date | Who | Did | Shares | Price | Value |
|---|---|---|---|---|---|
| 14 August 2026 | VASSALLUZZO SCOTT J Director | Sold | 133,199 | $187.69 | $25m |
| 12 August 2026 | Childers Jason E. SVP, Information Technology | Sold | 2,000 | $190.74 | $381,480 |
| 10 August 2026 | Robinson Benjamin E III Director | Sold under a preset trading plan | 90 | $187.26 | $16,853 |
| 3 August 2026 | McIntyre Scott SVP, Accounting | Sold | 1,300 | $185.00 | $240,500 |
| 30 July 2026 | Calmes John L Jr See remarks | Sold | 2,000 | $186.00 | $372,000 |
| 30 June 2026 | WAY CHARLES D Director | Sold under a preset trading plan | 833 | $225.00 | $187,425 |
| 29 June 2026 | Robinson Benjamin E III Director | Sold under a preset trading plan | 2,031 | $222.77 | $452,446 |
| 26 June 2026 | WAY CHARLES D Director | Sold under a preset trading plan | 833 | $210.00 | $174,930 |
| 15 June 2026 | Caulder Alice Lindsay SVP, Human Resources | Sold | 609 | $181.00 | $110,229 |
| 12 June 2026 | Umstetter Luke J. See remarks | Sold | 1,000 | $181.66 | $181,660 |
From Form 4 filings: insiders must report trades in their own company's shares within two days.
What could go wrong
Cheap for a reason is the question the numbers cannot answer.
Whether the price already reflects the risks is what the deep dive is for.
The deep dive
Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.
- What the business is worth, as a range, and the margin of safety at today’s price
- Prices to start buying, buy, and buy hard
- The three things that would make this a mistake
- Every number footnoted to the filing it came from
Your first deep dive is free.
Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.