WRLD: World Acceptance Corp Financial Statements
Balance sheet, income statement, and cash flow statements for World Acceptance Corp (WRLD).
$727.24M Market Cap.
WRLD Market Cap. (MRY)
WRLD Shares Outstanding (MRY)
WRLD Assets (MRY)
Total Assets
$1.01B
Total Liabilities
$568.15M
Total Investments
$812.97M
WRLD Income (MRY)
Revenue
$564.84M
Net Income
$89.74M
Operating Expense
$410.15M
WRLD Cash Flow (MRY)
CF Operations
$254.16M
CF Investing
-$152.75M
CF Financing
-$103.52M
WRLD Balance Sheet (MRY)
Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
Total Assets | $1,007,627,647 (-4.61%) | $1,056,351,043 (-5.46%) | $1,117,318,141 (-8.29%) | $1,218,296,589 (27.67%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $14,765,372 (-19.93%) | $18,440,524 (-18.62%) | $22,660,370 (-16.47%) | $27,126,905 (-12.23%) |
Shareholders Equity | $439,480,464 (3.55%) | $424,427,216 (10.18%) | $385,226,737 (3.27%) | $373,024,428 (-7.88%) |
Property Plant & Equipment Net | $96,000,620 (-6.25%) | $102,398,435 (-2.68%) | $105,215,320 (-4.97%) | $110,715,047 (-4.88%) |
Cash & Equivalents | $9,730,296 (-17.81%) | $11,839,460 (-28.28%) | $16,508,935 (-14.18%) | $19,236,322 (22.16%) |
Accumulated Other Comprehensive Income | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $812,968,685 (-4.07%) | $847,440,309 (-4.54%) | $887,788,486 (-9.92%) | $985,515,154 (34.33%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $42,365,032 (-21.51%) | $53,974,198 (6.75%) | $50,559,920 (-12.89%) | $58,042,139 (41.43%) |
Accumulated Retained Earnings (Deficit) | $173,053,986 (25.41%) | $137,994,264 (42.04%) | $97,154,898 (5.47%) | $92,117,343 (-38.32%) |
Tax Assets | $33,291,074 (-2.18%) | $34,034,073 (-18.43%) | $41,722,361 (4.83%) | $39,801,457 (59.25%) |
Tax Liabilities | $222,742 (0%) | $0 (0%) | $2,532,766 (-65.70%) | $7,384,169 (-36.21%) |
Total Debt | $525,559,409 (-9.06%) | $577,949,629 (-14.88%) | $678,998,718 (-12.93%) | $779,845,853 (57.00%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $568,147,183 (-10.09%) | $631,923,827 (-13.68%) | $732,091,404 (-13.39%) | $845,272,161 (53.87%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
WRLD Income Statement (MRY)
Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
Revenues | $564,841,465 (-1.46%) | $573,213,402 (-7.03%) | $616,545,364 (5.36%) | $585,186,753 (10.83%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $240,931,113 (-10.30%) | $268,600,159 (-3.89%) | $279,473,798 (-6.83%) | $299,975,305 (-1.53%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $410,146,508 (-3.62%) | $425,573,379 (-21.03%) | $538,936,997 (10.85%) | $486,182,646 (24.38%) |
Interest Expense | $42,709,580 (-11.45%) | $48,232,287 (-4.42%) | $50,462,594 (50.97%) | $33,424,788 (30.06%) |
Income Tax Expense | $22,243,979 (0.82%) | $22,062,509 (273.07%) | $5,913,783 (-49.28%) | $11,659,482 (-49.57%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $89,741,398 (16.03%) | $77,345,227 (264.29%) | $21,231,990 (-60.62%) | $53,919,837 (-38.92%) |
Net Income to Non-Controlling Interests | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income | $89,741,398 (16.03%) | $77,345,227 (264.29%) | $21,231,990 (-60.62%) | $53,919,837 (-38.92%) |
Preferred Dividends Income Statement Impact | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $89,741,398 (16.03%) | $77,345,227 (264.29%) | $21,231,990 (-60.62%) | $53,919,837 (-38.92%) |
Weighted Average Shares | $5,425,483 (-5.62%) | $5,748,554 (-0.02%) | $5,749,492 (-5.31%) | $6,072,170 (-6.49%) |
Weighted Average Shares Diluted | $5,506,985 (-6.05%) | $5,861,900 (-0.62%) | $5,898,670 (-7.31%) | $6,364,066 (-4.62%) |
Earning Before Interest & Taxes (EBIT) | $154,694,957 (4.78%) | $147,640,023 (90.24%) | $77,608,367 (-21.61%) | $99,004,107 (-27.79%) |
Gross Profit | $564,841,465 (-1.46%) | $573,213,402 (-7.03%) | $616,545,364 (5.36%) | $585,186,753 (10.83%) |
Operating Income | $154,694,957 (4.78%) | $147,640,023 (90.24%) | $77,608,367 (-21.61%) | $99,004,107 (-27.79%) |
WRLD Cash Flow Statement (MRY)
Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
Net Cash Flow from Investing | -$152,750,703 (-13.03%) | -$135,137,818 (25.17%) | -$180,583,800 (60.04%) | -$451,891,141 (-451.10%) |
Net Cash Flow from Financing | -$103,522,063 (23.50%) | -$135,315,023 (-19.01%) | -$113,697,373 (-162.15%) | $182,934,468 (229.90%) |
Net Cash Flow from Operations | $254,163,602 (-4.37%) | $265,783,366 (-8.84%) | $291,553,786 (7.01%) | $272,446,541 (20.04%) |
Net Cash Flow / Change in Cash & Cash Equivalents | -$2,109,164 (54.83%) | -$4,669,475 (-71.21%) | -$2,727,387 (-178.15%) | $3,489,868 (-15.45%) |
Net Cash Flow - Business Acquisitions and Disposals | -$18,947,294 (-857.51%) | -$1,978,815 (91.45%) | -$23,131,758 (-137.13%) | -$9,755,089 (42.49%) |
Net Cash Flow - Investment Acquisitions and Disposals | -$130,669,869 (-2.42%) | -$127,576,429 (16.15%) | -$152,154,050 (65.13%) | -$436,311,573 (-683.40%) |
Capital Expenditure | -$3,133,540 (43.87%) | -$5,582,574 (-5.37%) | -$5,297,992 (9.04%) | -$5,824,479 (48.62%) |
Issuance (Repayment) of Debt Securities | -$48,971,011 (50.32%) | -$98,562,976 (-2.29%) | -$96,356,195 (-133.65%) | $286,340,313 (713.33%) |
Issuance (Purchase) of Equity Shares | -$51,837,017 (-55.50%) | -$33,336,557 (-144.06%) | -$13,659,169 (86.11%) | -$98,333,615 (-9.04%) |
Payment of Dividends & Other Cash Distributions | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | -$19,688,968 (-1069.81%) | -$1,683,087 (-118.59%) | $9,052,835 (-48.51%) | $17,582,995 (-8.81%) |
Depreciation Amortization & Accretion | $10,134,789 (-6.92%) | $10,888,403 (1.71%) | $10,705,801 (-4.95%) | $11,263,450 (-6.23%) |
WRLD Financial Metrics (MRY)
Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 15.90% (17.78%) | 13.50% (297.06%) | 3.40% (-63.04%) | 9.20% (-44.91%) |
EBITDA Margin | 29.20% (5.42%) | 27.70% (93.71%) | 14.30% (-23.94%) | 18.80% (-33.33%) |
Return on Average Equity (ROAE) | 21.00% (11.11%) | 18.90% (225.86%) | 5.80% (-56.72%) | 13.40% (-42.24%) |
Return on Average Assets (ROAA) | 8.50% (21.43%) | 7.00% (311.76%) | 1.70% (-63.04%) | 4.60% (-50.00%) |
Return on Sales (ROS) | 27.40% (6.20%) | 25.80% (104.76%) | 12.60% (-25.44%) | 16.90% (-35.00%) |
Return on Invested Capital (ROIC) | 9.60% (10.34%) | 8.70% (123.08%) | 3.90% (-27.78%) | 5.40% (-43.16%) |
Dividend Yield | 0% (0%) | 0% (0%) | 0% (0%) | 0% (0%) |
Price to Earnings Ratio (P/E) | 7.65 (-29.02%) | 10.78 (-52.25%) | 22.57 (4.48%) | 21.6 (126.27%) |
Price to Sales Ratio (P/S) | 1.22 (-16.37%) | 1.45 (87.13%) | 0.78 (-60.97%) | 1.99 (24.75%) |
Price to Book Ratio (P/B) | 1.66 (-20.32%) | 2.08 (54.19%) | 1.35 (-59.99%) | 3.37 (54.38%) |
Debt to Equity Ratio (D/E) | 1.29 (-13.16%) | 1.49 (-21.63%) | 1.9 (-16.15%) | 2.27 (66.99%) |
Earnings Per Share (EPS) | 16.54 (22.97%) | 13.45 (264.50%) | 3.69 (-58.45%) | 8.88 (-34.66%) |
Sales Per Share (SPS) | 104.11 (4.41%) | 99.71 (-7.01%) | 107.23 (11.27%) | 96.37 (18.53%) |
Free Cash Flow Per Share (FCFPS) | 46.27 (2.22%) | 45.26 (-9.09%) | 49.79 (13.39%) | 43.91 (32.24%) |
Book Value Per Share (BVPS) | 81 (9.71%) | 73.83 (10.19%) | 67 (9.07%) | 61.43 (-1.48%) |
Tangible Assets Book Value Per Share (TABVPS) | 183 (1.36%) | 180.55 (-5.17%) | 190.39 (-2.94%) | 196.17 (37.96%) |
Enterprise Value Over EBIT (EV/EBIT) | 9 (-10.00%) | 10 (-41.18%) | 17 (-19.05%) | 21 (90.91%) |
Enterprise Value Over EBITDA (EV/EBITDA) | 8.21 (-15.30%) | 9.69 (-34.49%) | 14.79 (-20.25%) | 18.55 (83.50%) |
Asset Turnover | 0.54 (2.68%) | 0.52 (2.96%) | 0.51 (0.80%) | 0.5 (-8.88%) |
Current Ratio | - | - | - | - |
Dividends | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Free Cash Flow (FCF) | $251,030,062 (-3.52%) | $260,200,792 (-9.10%) | $286,255,794 (7.36%) | $266,622,062 (23.66%) |
Enterprise Value (EV) | $1,352,725,880 (-11.94%) | $1,536,219,232 (17.59%) | $1,306,369,832 (-36.13%) | $2,045,296,191 (35.70%) |
Earnings Before Tax (EBT) | $111,985,377 (12.65%) | $99,407,736 (266.20%) | $27,145,773 (-58.61%) | $65,579,319 (-41.13%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $164,829,746 (3.97%) | $158,528,426 (79.51%) | $88,314,168 (-19.91%) | $110,267,557 (-26.05%) |
Invested Capital | $1,508,691,388 (-5.94%) | $1,604,020,688 (-8.71%) | $1,757,147,554 (-9.97%) | $1,951,779,215 (38.98%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $992,862,275 (-4.34%) | $1,037,910,519 (-5.18%) | $1,094,657,771 (-8.10%) | $1,191,169,684 (29.00%) |
Market Capitalization | $727,241,974 (-17.50%) | $881,518,414 (69.92%) | $518,780,844 (-58.69%) | $1,255,823,584 (42.23%) |
Average Equity | $426,931,334 (4.23%) | $409,589,164 (12.56%) | $363,890,399 (-9.42%) | $401,727,224 (5.56%) |
Average Assets | $1,053,931,420 (-4.09%) | $1,098,890,868 (-9.57%) | $1,215,156,656 (4.47%) | $1,163,189,312 (21.70%) |
Invested Capital Average | $1,608,875,578 (-5.54%) | $1,703,207,452 (-13.53%) | $1,969,805,863 (8.22%) | $1,820,216,552 (26.60%) |
Shares | 5,746,677 (-5.49%) | 6,080,276 (-2.38%) | 6,228,609 (-4.85%) | 6,546,203 (-3.80%) |
