World Acceptance Corporation Financial Ratios — WRLD Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024	03/31/2025	03/31/2026

Return on Common Equity (%)	23.38	26.51	31.65	35.58	24.71	17.26	10.71	6.81	5.84	21.61	13.86	5.6	19.03	20.72	8.78
Return on Assets (%)	14.37	13.48	12.85	12.92	10.45	9.16	6.54	4.39	2.99	8.9	4.96	1.82	7.09	8.64	3.35
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.56	1.43	1.27	1.24	1.33	1.58	1.72	1.54	2.16	2.47	2.12	1.93	2.08	1.94	1.68
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.38	30.44	29.45	29.99	25.99	22.57	20.03	17.07	6.19	22.18	11.89	4.8	18.87	21.35	8.45
Profit Margin (%)	19.13	19.06	18.44	18.88	16.47	15.68	11.1	7.07	4.99	17.58	9.77	3.75	14.69	17.11	6.46
Net Income to Common Margin (%)	19.13	19.06	18.44	18.88	16.47	15.68	11.1	7.07	4.99	17.58	9.77	3.75	14.69	17.11	6.46
Effective Tax Rate (%)	37.02	37.4	37.38	37.04	36.62	36.02	49.31	17.78	19.34	20.75	17.78	21.79	22.18	19.83	23.55
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	23.38	26.51	31.65	35.58	24.71	17.26	10.71	6.81	5.84	21.61	13.86	5.6	19.03	20.72	8.78

Credit (USD)

Credit Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024	03/31/2025	03/31/2026

Total Debt	279	400	506	501	375	295	245	252	554	497	780	679	578	526	661
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	279	400	506	501	375	295	245	252	554	497	780	679	578	526	661
Total Debt/EBITDA	34.09	51.26	68.87	69.01	53.28	39.84	29.4	30.97	45.55	39.99	66.82	62.23	53.08	51.86	73.57
Net Debt/EBITDA	32.77	49.77	66.2	63.73	51.52	37.79	27.9	29.82	36.15	31.34	57.68	53.05	44.47	43.63	64.67
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	56.99	45.27	36.16	36.43	48.61	57.59	64.34	64.58	39.99	42.43	30.62	34.48	40.18	43.33	33.3
Long-Term Debt/Equity (%)	66.67	109.24	164.47	158.81	95.61	64.01	45.26	45.63	134.44	122.67	209.06	176.26	136.17	120.27	188.37
Long-Term Debt/Capital (%)	40	52.21	62.19	61.36	48.88	39.03	31.16	31.33	57.35	55.09	67.64	63.8	57.66	54.6	65.32
Long-Term Debt/Total Assets (%)	37.99	49.45	59.47	57.86	46.47	36.86	29.12	29.47	53.77	52.05	64.01	60.77	54.71	52.11	62.72
Total Debt/Equity (%)	66.67	109.24	164.47	158.81	95.61	64.01	45.26	45.63	134.44	122.67	209.06	176.26	136.17	120.27	188.37
Total Debt/Capital (%)	40	52.21	62.19	61.36	48.88	39.03	31.16	31.33	57.35	55.09	67.64	63.8	57.66	54.6	65.32
Total Debt/Total Assets (%)	37.99	49.45	59.47	57.86	46.47	36.86	29.12	29.47	53.77	52.05	64.01	60.77	54.71	52.11	62.72
Net Debt to Equity	64.1	106.07	158.1	146.66	92.45	60.72	42.95	43.94	106.68	96.13	180.45	150.24	114.08	101.18	165.57
Net Debt/Capital (%)	39.06	51.47	61.26	59.46	48.04	37.78	30.05	30.53	46.06	43.94	59.38	55.24	48.88	46.16	57.76
EBITDA	8	8	7	7	7	7	8	8	12	12	12	11	11	10	9
EBITDA-CapEx	- -	- -	- -	-2	-2	-4	-3	-12	-14	-4	4	5	5	6	5
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024	03/31/2025	03/31/2026

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	56.99	45.27	36.16	36.43	48.61	57.59	64.34	64.58	39.99	42.43	30.62	34.48	40.18	43.33	33.3
Long-Term Debt/Equity (%)	66.67	109.24	164.47	158.81	95.61	64.01	45.26	45.63	134.44	122.67	209.06	176.26	136.17	120.27	188.37
Long-Term Debt/Capital (%)	40	52.21	62.19	61.36	48.88	39.03	31.16	31.33	57.35	55.09	67.64	63.8	57.66	54.6	65.32
Long-Term Debt/Total Assets (%)	37.99	49.45	59.47	57.86	46.47	36.86	29.12	29.47	53.77	52.05	64.01	60.77	54.71	52.11	62.72
Total Debt/Equity (%)	66.67	109.24	164.47	158.81	95.61	64.01	45.26	45.63	134.44	122.67	209.06	176.26	136.17	120.27	188.37
Total Debt/Capital (%)	40	52.21	62.19	61.36	48.88	39.03	31.16	31.33	57.35	55.09	67.64	63.8	57.66	54.6	65.32
Total Debt/Total Assets (%)	37.99	49.45	59.47	57.86	46.47	36.86	29.12	29.47	53.77	52.05	64.01	60.77	54.71	52.11	62.72
CFO/Total Liabilities	69.4	52.39	45.32	43.93	49.74	64.61	72.7	80.78	45.46	41.31	32.23	39.82	42.06	44.47	36.89
CFO/CapEx	28.4	30.42	31.89	26.73	23.59	20.04	19.54	12.22	10.92	13.97	37.33	50.03	44.8	69	66.8
Altman's Z-Score	3.03	2.59	1.86	1.71	1.63	2.01	3.17	3.38	1.24	1.73	1.44	1.07	1.51	1.48	1.15

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024	03/31/2025	03/31/2026

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024	03/31/2025	03/31/2026

Market Capitalization	851	1,045	770	654	334	455	960	1,087	426	883	1,218	519	861	680	629
- Cash & Cash Equivalents	11	12	20	38	12	15	12	9	12	16	19	17	12	5	6
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	279	400	506	501	375	295	245	252	554	497	780	679	578	526	661
Enterprise Value	1,120	1,434	1,256	1,117	696	735	1,193	1,330	969	1,364	1,978	1,181	1,427	1,201	1,284
Total Capital	698	767	813	817	767	756	786	804	966	902	1,153	1,064	1,002	963	1,012
Total Debt/Capital (%)	40	52.21	62.19	61.36	48.88	39.03	31.16	31.33	57.35	55.09	67.64	63.8	57.66	54.6	65.32
Total Debt / EV	0.25	0.28	0.4	0.45	0.54	0.4	0.21	0.19	0.57	0.36	0.39	0.57	0.4	0.44	0.51
EV/Sales	2.13	2.62	2.17	1.9	1.31	1.57	2.47	2.53	1.72	2.72	3.59	2.09	2.72	2.3	2.4
EV/EBITDA	136.69	183.63	171.18	153.81	99.04	99.17	143.18	163.48	79.67	109.83	169.52	108.29	131.07	118.5	142.87
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.1	6.18	5.11	4.62	3.38	3.35	5.47	5.44	3.45	6.01	7.26	4.05	5.37	4.73	4.95
EV/Free Cash Flow to Firm	4.93	5.98	4.95	4.45	3.24	3.19	5.2	5.02	3.16	5.61	7.07	3.97	5.25	4.66	4.88
Diluted Market Cap	936	1,135	882	679	334	455	960	1,087	434	883	1,221	519	861	697	679
Diluted Enterprise Value	1,205	1,523	1,367	1,142	696	735	1,193	1,330	977	1,364	1,981	1,181	1,427	1,218	1,334
EV per Share	80.57	117.8	122.43	124.52	79.03	83.65	130.79	143.26	124.06	200.44	311.65	189.61	240.31	223.47	275.73
TTM Sales	526	546	578	587	531	469	484	527	564	502	552	566	525	521	536
TTM EBITDA	8	8	7	7	7	7	8	8	12	12	12	11	11	10	9
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	219	232	246	242	206	219	218	245	281	227	272	292	266	254	259
TTM Free Cash Flow to Firm	227	240	254	251	215	230	229	265	307	243	280	297	272	258	263

Multiples (USD)

Valuation Multiples API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	03/31/2012	03/31/2013	03/31/2014	03/31/2015	03/31/2016	03/31/2017	03/31/2018	03/31/2019	03/31/2020	03/31/2021	03/31/2022	03/31/2023	03/31/2024	03/31/2025	03/31/2026

Price/Free Cash Flow	4.12	4.73	3.47	2.71	1.56	1.97	4.19	4.11	1.42	3.63	4.36	1.75	3.17	2.7	2.58
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	1,120	1,434	1,256	1,117	696	735	1,193	1,330	969	1,364	1,978	1,181	1,427	1,201	1,284
Low Price	53.56	57.03	71.58	63.25	25.3	32.4	49.26	89.78	50.7	43.16	123.17	58.44	75.4	101.85	104.99
EV/Sales	2.13	2.62	2.17	1.9	1.31	1.57	2.47	2.53	1.72	2.72	3.59	2.09	2.72	2.3	2.4
EV/EBITDA	136.69	183.63	171.18	153.81	99.04	99.17	143.18	163.48	79.67	109.83	169.52	108.29	131.07	118.5	142.87
Price/Earnings	8.45	10.04	7.23	5.9	3.82	6.18	17.89	29.2	15.14	10	22.59	24.44	11.17	7.62	18.18
Price/Earnings Average	8.96	8.3	8.61	6.27	4.91	5.91	13.94	27.41	31.84	7.36	21.99	32.2	9.52	7.51	20.07
Price/Earnings High	10.34	10.19	10.39	7.69	9.7	8.21	20.58	31.2	48.74	13.18	31.29	61.59	12.34	9.73	24.97
Price/Earnings Low	7.39	6.67	6.89	5.12	2.55	3.87	8.37	22.39	14.06	3.33	14.5	17.15	5.81	6.13	14.14
Price/Book Value	2.03	2.85	2.51	2.07	0.85	0.99	1.77	1.97	1.04	2.18	3.26	1.35	2.03	1.56	1.79
Price/Book Value Average	2.15	2.36	2.98	2.2	1.09	0.94	1.38	1.85	2.18	1.6	3.18	1.77	1.73	1.53	1.98
Price/Book Value High	2.49	2.9	3.61	2.7	2.16	1.31	2.04	2.1	3.33	2.87	4.52	3.39	2.24	1.99	2.46
Price/Book Value Low	1.78	1.89	2.39	1.8	0.57	0.62	0.83	1.51	0.96	0.73	2.1	0.95	1.06	1.25	1.39
Price/Tangible Book Value	2.09	2.94	2.59	2.14	0.87	1.01	1.82	2.05	1.12	2.36	3.52	1.43	2.12	1.61	1.85
Price/Tangible Book Value Average	2.21	2.43	3.08	2.27	1.12	0.97	1.42	1.93	2.36	1.74	3.43	1.89	1.81	1.59	2.05
Price/Tangible Book Value High	2.55	2.98	3.72	2.78	2.21	1.35	2.1	2.19	3.61	3.11	4.88	3.61	2.34	2.06	2.54
Price/Tangible Book Value Low	1.83	1.95	2.47	1.85	0.58	0.63	0.85	1.57	1.04	0.79	2.26	1	1.1	1.3	1.44
Price/Sales	1.62	1.91	1.33	1.11	0.63	0.97	1.99	2.07	0.76	1.76	2.21	0.92	1.64	1.3	1.17
Price/Sales Average	1.71	1.58	1.59	1.18	0.81	0.93	1.55	1.94	1.59	1.29	2.15	1.21	1.4	1.29	1.3
Price/Sales High	1.98	1.94	1.92	1.45	1.6	1.29	2.29	2.21	2.43	2.32	3.06	2.31	1.81	1.67	1.61
Price/Sales Low	1.41	1.27	1.27	0.97	0.42	0.61	0.93	1.58	0.7	0.58	1.42	0.64	0.85	1.05	0.91
Price/Cash Flow	3.88	4.5	3.13	2.7	1.62	2.07	4.4	4.44	1.52	3.89	4.47	1.78	3.24	2.68	2.42
Price/Cash Flow Average	4.11	3.72	3.73	2.87	2.08	1.98	3.43	4.17	3.19	2.86	4.35	2.35	2.76	2.64	2.68
Price/Cash Flow High	4.75	4.57	4.51	3.52	4.12	2.76	5.07	4.75	4.88	5.13	6.19	4.49	3.58	3.42	3.33
Price/Cash Flow Low	3.39	2.99	2.99	2.35	1.08	1.3	2.06	3.41	1.41	1.29	2.87	1.25	1.68	2.15	1.88
Price/Free Cash Flow Average	4.37	3.91	4.14	2.87	2	1.89	3.27	3.86	2.98	2.67	4.25	2.3	2.7	2.66	2.85
Price/Free Cash Flow High	5.05	4.81	5	3.53	3.95	2.62	4.82	4.39	4.56	4.78	6.05	4.4	3.5	3.45	3.54
Price/Free Cash Flow Low	3.61	3.14	3.31	2.35	1.04	1.24	1.96	3.15	1.31	1.21	2.8	1.22	1.65	2.18	2
EV/Sales Average	2.23	2.29	2.43	1.97	1.49	1.52	2.03	2.4	2.55	2.25	3.53	2.38	2.48	2.28	2.52
EV/Sales High	2.49	2.65	2.76	2.24	2.28	1.88	2.77	2.67	3.39	3.27	4.44	3.48	2.89	2.66	2.84
EV/Sales Low	1.92	1.98	2.11	1.76	1.1	1.2	1.41	2.04	1.66	1.54	2.8	1.81	1.93	2.05	2.14
EV/EBITDA Average	142.94	160.42	191.19	159.38	112.49	96.49	117.77	155.28	118.33	91.04	166.76	123.39	119.35	117.52	150.15
EV/EBITDA High	159.93	185.68	217.18	181.03	172.11	119.39	160.55	172.62	157.48	132.41	209.72	180.59	139.3	137.1	169
EV/EBITDA Low	123.64	138.67	166.29	141.86	83.22	76.2	81.83	132.27	77.16	62.38	132.17	94.1	93.12	105.4	127.3
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	61.25	85.87	75.08	72.92	37.92	51.78	105.3	117.13	54.61	129.76	191.84	83.29	144.98	126.55	135.04
High Price	74.95	87.19	107.98	94.96	96.23	68.83	121.17	125.14	175.78	170.98	265.75	209.88	160.07	161.63	185.48
Enterprise Value Average	1,171	1,253	1,403	1,157	791	715	981	1,263	1,439	1,131	1,946	1,346	1,300	1,191	1,349
Enterprise Value High	1,310	1,450	1,594	1,315	1,210	884	1,337	1,404	1,915	1,645	2,448	1,970	1,517	1,389	1,519
Enterprise Value Low	1,013	1,083	1,221	1,030	585	565	682	1,076	938	775	1,543	1,027	1,014	1,068	1,144

Shares Outstanding	14	12	10	9	9	9	9	9	8	7	6	6	6	5	5
Diluted Weighted Avg Shares	15	13	12	9	9	9	9	9	8	7	6	6	6	6	5
Basic Weighted Avg Shares	14	12	10	9	9	9	9	9	8	7	6	6	6	5	5
Revenue per Share	37.87	44.88	56.33	65.43	60.21	53.44	53.03	56.72	72.25	73.81	86.91	90.85	88.33	97.03	115.05
EBITDA per Share	0.59	0.64	0.72	0.81	0.8	0.84	0.91	0.88	1.56	1.83	1.84	1.75	1.83	1.89	1.93
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	7.25	8.55	10.39	12.36	9.92	8.38	5.89	4.01	3.61	12.97	8.49	3.41	12.97	16.61	7.43
Basic EPS from Cont Ops	7.25	8.55	10.39	12.36	9.92	7.72	5.38	7.96	3.61	12.97	8.49	3.41	12.97	16.61	7.43
Diluted EPS, GAAP	6.59	7.88	9.08	11.9	9.92	8.38	5.89	4.01	3.54	12.97	8.47	3.41	12.97	16.21	6.88
Diluted EPS from Cont Ops	6.59	7.88	9.08	11.9	9.92	7.72	5.38	7.96	3.54	12.97	8.47	3.41	12.97	16.21	6.88
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	15.79	19.07	23.97	26.97	23.38	24.98	23.91	26.35	35.99	33.35	42.92	46.79	44.75	47.29	55.7
Free Cash Flow per Basic Share	15.23	18.44	23.22	25.96	22.39	23.73	22.68	24.2	32.69	30.96	41.77	45.85	43.76	46.61	54.86
Cash & Equivalents per Share	0.77	0.96	1.91	4.27	1.4	1.73	1.37	1.01	1.49	2.31	3.03	2.65	1.99	0.88	1.3
Book Value per Share	30.14	30.1	29.95	35.18	44.47	52.5	59.34	59.47	52.76	59.5	58.76	61.82	71.47	81.32	75.38
Tangible Book Value per Share	29.33	29.24	29	34.12	43.45	51.05	57.84	57.06	48.69	54.96	54.49	58.19	68.36	78.57	72.89

World Acceptance Corporation