World Acceptance (WRLD)
Underwrites installment loans and tax-advance credit through more than a thousand community branches across sixteen states.
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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
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $10.4M · Total debt $648.1M · Total assets $1.08B · Shareholders' equity $362.2M
- Revenue
- $139.2M
- Operating income
- $7.9M
- Net income
- $6.1M
No dividends on record.
| Institutions | ≈ 96.90% | 4.52M shares | |
|---|---|---|---|
| 198 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 5.97% | 278.5K shares | |
| 14 holders · as of Aug 13, 2026 | |||
| Adds to | 102.87% | ||
4.66M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 102.87%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Prescott General Partners LLCInstitution | 32.43% | 1.51M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 9.59% | 447,231 | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 4.78% | 222,883 | as of Jun 30, 2026 |
AQR Capital Management LLCInstitution | 4.32% | 201,263 | as of Jun 30, 2026 |
Jacobs Levy Equity Management, IncInstitution | 2.43% | 113,086 | as of Jun 30, 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 |
- 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
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| World Acceptance | $171.82 | +0.43% | $797.3M | 20.2 | 13.8 | 1.3 | +5.1% |
| OneMain | $59.48 | −1.59% | $6.98B | 9.1 | 7.6 | 1.1 | −15.5% |
| Regional Management | $31.25 | −0.81% | $290.1M | 6.6 | 5.5 | 0.4 | +6.7% |
| Enova International | $168.86 | −1.46% | $4.27B | 12.7 | 8.8 | 1.4 | +21.6% |
| FirstCash | $217.38 | +0.58% | $9.37B | 24.7 | 18.0 | 2.3 | +29.4% |
| H&R Block | $42.97 | −3.44% | $5.64B | 7.8 | 6.9 | 1.4 | +3.1% |
| Median | 9.1 | 7.6 | 1.4 | +6.7% |