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WRLD US​
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  • Home
  • AI Agent
  • Annotations
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  • Get the full experience

    We save the real magic for signed-in users.

WRLD US​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings

World Acceptance Corp(WRLD US)

$138.16+1.861.36%Ext:$139.15+0.990.72%(Market Closed · 01:00:02 UTC)
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World Acceptance Corp(WRLD US)

$138.16+1.861.36%Ext:$139.15+0.990.72%(Market Closed · 01:00:02 UTC)
Ask AI
Doc SearchProfileEntity StructureFinancialsChartingShort InterestEmployees

Overview

ProfileEntity Structure

Documents

SEC Filings

Financials & Metrics

FinancialsChartingShort InterestEmployees

Financials & Metrics

FinancialsChartingShort InterestEmployees

World Acceptance Corp — Company Profile

World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.

Sector
Financials
Industry
Consumer Finance
Exchange
UQ
CEO
John Calmes
Headquarters
Greenville, SC, US
IPO Date
Nov 26, 1991
Employees
2,907
Website
www.loansbyworld.com

Key Metrics

Price
$174.44
Market Cap
$812.96M
Revenue (TTM)
$585.74M
Net Income (TTM)
$34.59M
EPS (TTM)
6.97
P/E (TTM)
23.22
P/B (TTM)
2.32
Dividend Yield
0.00%
ROE (TTM)
9.85%
ROA (TTM)
3.29%
Operating Margin
16.16%
Beta
0.57

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.

Website
www.loansbyworld.com
Location
Greenville, SC, US
Phone864 298 9800
Employees2,907
CEOJohn Calmes
Sector
Financials
Industry
Consumer Finance
IPO DateNov 26, 1991

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

SEC Filings(1.6K)

Expand
  • 10-QQ2ended 30 Sept 20269 Nov
  • Form 4SMITH THOMAS W9 Nov
  • Form 4Robinson Benjamin E III3 Nov
  • Form 144Robinson Benjamin E III2 Nov
  • SC 13D/AWORLD ACCEPTANCE CORP30 Oct
  • Form 4Prescott General Partners LLC30 Oct
  • Form 4BRAMLETT KEN R JR30 Oct
  • Form 144BRAMLETT KEN R JR29 Oct
  • 8-KResults of Operations and Financial Condition23 Oct
  • Form 4Calmes John L Jr25 Sep
  • 8-KDeparture of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers21 Sep
  • 8-KSubmission of Matters to a Vote of Security Holders19 Aug
  • Form 4Prescott General Partners LLC18 Aug
  • SC 13D/AWORLD ACCEPTANCE CORP18 Aug
  • 8-KOther Events13 Aug
  • Form 4Childers Jason E.13 Aug
  • Form 144Childers Jason E.12 Aug
  • Form 4Robinson Benjamin E III11 Aug
  • Form 144Robinson Benjamin E III10 Aug
  • 10-QQ1ended 30 Jun 20266 Aug

News

  • World Acceptance: 3 Key Takeaways for Long-Term Investors2 Nov
  • World Acceptance: Resilient Credit Performance Is Largely Priced In24 Oct
  • World Acceptance Corporation (WRLD) Q2 2027 Earnings Call Transcript23 Oct
  • World Acceptance Q2 Earnings Call Highlights23 Oct
  • World Acceptance Corporation Reports Fiscal 2027 Second Quarter Results23 Oct
  • World Acceptance Corporation Announces Second Quarter 2027 Conference Call on the Internet16 Oct
  • World Acceptance (NASDAQ:WRLD) Share Price Crosses Above 200-Day Moving Average – Here’s Why15 Oct
  • PRIVACY ALERT: AWKO Law Investigates World Acceptance Corporation for Data Breach of Over 232,000 Records9 Oct
  • World Acceptance Corporation Data Breach Investigation: Edelson Lechtzin LLP Probes Class Action Claims After Customer Data Is Exposed2 Oct
  • World Acceptance Corporation Data Breach Exposes Personal Information: Murphy Law Firm Investigates Legal Claims2 Oct
  • World Acceptance (NASDAQ:WRLD) Shares Cross Above 200-Day Moving Average – Should You Sell?24 Sep
  • World Acceptance Corporation Names John L. Calmes Jr. President and Chief Executive Officer21 Sep
  • Squarepoint Ops LLC Boosts Stock Holdings in World Acceptance Corporation $WRLD16 Sep
  • A Look at World Acceptance Corp (WRLD) After 5.8% Gain -- GF Value $169.91 vs Price $190.572 Sep
  • World Acceptance: A Buy As The Earnings Trough Reverses And Shares Outstanding Keep Shrinking31 Aug

Mentions in Filings

  • … countant. Mr. Vassalluzzo has served on the boards of directors of Credit Acceptance Corporation, an auto finance company providing automobile loans and other related financial products, since March 2007, and <strong>World Acceptance Corporation</strong>, a personal installment loan company, since August 2011. Mr. Vassalluzzo brings to Cimpress' Board his advocacy for the priorities of long- termism and intrinsic value per share, his appreciation and understan …
    CIMPRESS plcWorld Acceptance Corp·ARS - Annual report to security holders·FY26·27 Oct
  • … accountant. Mr. Vassalluzzo has served on the boards of directors of Credit Acceptance Corporation, an auto finance company providing automobile loans and other related financial products, since March 2007, and <strong>World Acceptance Corporation</strong>, a personal installment loan company, since August 2011. Mr. Vassalluzzo brings to Cimpress' Board his advocacy for the priorities of long-termism and intrinsic value per share, his appreciation and understandi …
    CIMPRESS plcWorld Acceptance Corp·DEF 14A - Definitive proxy statement·Q2 27·27 Oct
  • #WisdomTree, Inc. 16,609 269,066 \*World Acceptance Corp. 368 44,620 WSFS Financial Corp. 5,597 362,294 Zions Bancorp NA 22,105 1,324,311 TOTAL FINANCIALS 398,139,167 HEALTH CARE — (9.3%) \*10X Genomics, Inc., Class A 13,770 278,154 \*4D Molecular Therapeutics, Inc. 3,158 27,980 Abbott Laboratories 47,516 5,193,499 AbbVie, Inc. 63,145 14,081,966 \*ABVC BioPharma, Inc. 5,207 10,518 \*ACADIA Phar …
    Dimensional ETF TrustWorld Acceptance Corp·NPORT-EX - NT NPORT-P - Notification of late filing (portfolio holdings)·Q1 26·13 Aug
  • … te for benchmarking purposes for the remainder of the fiscal year. Atlanticus LendingClub OppFi SoFi Technologies Enova International LendingTree PROG Holdings Upstart Holdings Green Dot MoneyLion Regional Management <strong>World Acceptance</strong> In connection with its annual review, the compensation and leadership committee, with the assistance of Willis Towers Watson, determined to maintain a substantially similar peer group for the 2026 fiscal year, with t …
    Oportun Financial CorpWorld Acceptance Corp·ARS - Annual report to security holders·FY25·29 Jun
  • … c., EZCORP, Inc. Class A, FinWise Bancorp, LendingTree, Inc., Metropolitan Bank Holding Corp., Oportun Financial Corp., PRA Group, Inc., Regional Management Corp., Bancorp Inc, Willis Lease Finance Corporation, <strong>World Acceptance Corporation</strong> Medallion Financial Corp. Investor Presentation 6 --- TSR Outperformance is Substantial over the Long Run Total Shareholder Return Performance Since Announcement of the Business Transformation in 2017 5-year …
    MEDALLION FINANCIAL CORPWorld Acceptance Corp·DEFA14A - Definitive additional materials·Q2 26·21 May
  • … umer Finance | | PROG Holdings, Inc. | PRG | Consumer Finance | | PRA Group, Inc. | PRAA | Consumer Finance | | Regional Management Corp. | RM | Consumer Finance | | SLM Corporation | SLM | Consumer Finance | | <strong>World Acceptance Corporation</strong> | WRLD | Consumer Finance | In comparison to the peer group used in fiscal 2025, in fiscal 2026, two companies were removed and two were added. The Aaron’s Company was removed as it is now privately held, and …
    EZCORP INCWorld Acceptance Corp·10-K - Annual report FY 2026·FY26·12 Nov

Key Stats

Trading

Px/Chg 1D$174.44 / +1.64%
Avg Volume150.78K
Beta0.57
Mkt Cap812.96M
FD Mkt Cap855.42M

Float

Shrs Out/Float4.66M / 3.76M
Short Float0.15%
Days to Cover5.39
Stock Repurchased$132.42M

Current Valuation

EV1.47B
EV/EBITDA27.09
EV/Sales2.51
P/B2.32
P/S1.39
FCF Yield11.50%
ROE9.85%
ROA3.29%
Current Ratio38.84

Estimates

P/E23.22
Est P/E0.00
Est EPS7.74
Est PEG0.00

Valuation

Metric5Yr AvgAug '22Aug '23Aug '24Aug '25Oct '26
PRICE-BASED RATIOS
Price / Earnings20.9013.7641.077.8019.6122.25
Price / Sales2.711.271.411.055.254.58
Price / Book Value1.991.992.261.421.982.32
Price / Free Cash Flow5.302.793.052.329.648.70
ENTERPRISE VALUE METRICS
Enterprise Value1,412.01,502.81,534.41,169.81,384.01,469.0
Enterprise Value / Sales4.752.572.492.048.378.27
Enterprise Value / EBITDA24.9819.4540.3210.6124.0530.49
Enterprise Value / EBIT29.6522.9256.5311.7725.1131.94

Financials

Full Financials
Millions USD5Yr CAGR (%)Mar '22Mar '23Mar '24Mar '25Mar '26
INCOME STATEMENT
Revenue2.4%585.2616.5573.2564.8585.7
Gross Income11.6%365.6306.6368.0395.6567.2
EBITDA6.7%77.338.1110.3165.0100.0
EBIT8.5%65.627.199.4154.791.0
Net Income-10.5%53.921.277.389.734.6
EPS (Diluted)-5.1%8.473.6013.1916.306.88
BALANCE SHEET
Cash & ST Inv-28.2%19.216.511.89.75.1
Total Assets-3.6%1,218.31,117.31,056.41,007.61,052.1
Total Liabilities-3.4%845.3732.1631.9568.1736.9
Total Shareholder Equity-1.5%373.0385.2424.4439.5351.0
CASH FLOW
Net Operating Cash Flow455.5%272.4291.6265.8254.2259,358.9
Cap Ex402.9%-6.1-5.8-5.9-3.7-3,882.3
Free Cash Flow456.5%266.4285.7259.9250.5255,476.5

Enterprise Value Bridge

Millions USD13 Nov '26
Price (As of 13 Nov '26)136.06
Basic Shares4.66
Market Cap634.1
Diluted Shares5.03
Fully Diluted Shares Outstanding5.03
Fully Diluted Market Cap683.8
+Consolidated Debt661.2
−In-the-Money Convertible Debt—
+Capital Leases74.0
+Operating Leases—
−Cash & Equivalents-5.1
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value1,290.2

Segment data

Revenue

by Geography

  • United States92%
  • Mexico8%

Related companies

OneMain Holdings, Inc.

OMF US

Nelnet Inc

NNI US

Enova International, Inc.

ENVA US

SLM Corp

SLM US

Bread Financial Holdings, Inc.

BFH US

Regional Management Corp.

RM US

Affirm Holdings, Inc.

AFRM US

LendingClub Corp

LC US

World Acceptance Corp — Company Profile

World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.

Sector
Financials
Industry
Consumer Finance
Exchange
UQ
CEO
John Calmes
Headquarters
Greenville, SC, US
IPO Date
Nov 26, 1991
Employees
2,907
Website
www.loansbyworld.com

Key Metrics

Price
$174.44
Market Cap
$812.96M
Revenue (TTM)
$585.74M
Net Income (TTM)
$34.59M
EPS (TTM)
6.97
P/E (TTM)
23.22
P/B (TTM)
2.32
Dividend Yield
0.00%
ROE (TTM)
9.85%
ROA (TTM)
3.29%
Operating Margin
16.16%
Beta
0.57

Dividends

Last Dividend
$0.00
Last Yield
0.00%

Summary

World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.

Website
www.loansbyworld.com
Location
Greenville, SC, US
Phone864 298 9800
Employees2,907
CEOJohn Calmes
Sector
Financials
Industry
Consumer Finance
IPO DateNov 26, 1991

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

SEC Filings(1.6K)

Expand
  • 10-QQ2ended 30 Sept 20269 Nov
  • Form 4SMITH THOMAS W9 Nov
  • Form 4Robinson Benjamin E III3 Nov
  • Form 144Robinson Benjamin E III2 Nov
  • SC 13D/AWORLD ACCEPTANCE CORP30 Oct
  • Form 4Prescott General Partners LLC30 Oct
  • Form 4BRAMLETT KEN R JR30 Oct
  • Form 144BRAMLETT KEN R JR29 Oct
  • 8-KResults of Operations and Financial Condition23 Oct
  • Form 4Calmes John L Jr25 Sep
  • 8-KDeparture of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers21 Sep
  • 8-KSubmission of Matters to a Vote of Security Holders19 Aug
  • Form 4Prescott General Partners LLC18 Aug
  • SC 13D/AWORLD ACCEPTANCE CORP18 Aug
  • 8-KOther Events13 Aug
  • Form 4Childers Jason E.13 Aug
  • Form 144Childers Jason E.12 Aug
  • Form 4Robinson Benjamin E III11 Aug
  • Form 144Robinson Benjamin E III10 Aug
  • 10-QQ1ended 30 Jun 20266 Aug

News

  • World Acceptance: 3 Key Takeaways for Long-Term Investors2 Nov
  • World Acceptance: Resilient Credit Performance Is Largely Priced In24 Oct
  • World Acceptance Corporation (WRLD) Q2 2027 Earnings Call Transcript23 Oct
  • World Acceptance Q2 Earnings Call Highlights23 Oct
  • World Acceptance Corporation Reports Fiscal 2027 Second Quarter Results23 Oct
  • World Acceptance Corporation Announces Second Quarter 2027 Conference Call on the Internet16 Oct
  • World Acceptance (NASDAQ:WRLD) Share Price Crosses Above 200-Day Moving Average – Here’s Why15 Oct
  • PRIVACY ALERT: AWKO Law Investigates World Acceptance Corporation for Data Breach of Over 232,000 Records9 Oct
  • World Acceptance Corporation Data Breach Investigation: Edelson Lechtzin LLP Probes Class Action Claims After Customer Data Is Exposed2 Oct
  • World Acceptance Corporation Data Breach Exposes Personal Information: Murphy Law Firm Investigates Legal Claims2 Oct
  • World Acceptance (NASDAQ:WRLD) Shares Cross Above 200-Day Moving Average – Should You Sell?24 Sep
  • World Acceptance Corporation Names John L. Calmes Jr. President and Chief Executive Officer21 Sep
  • Squarepoint Ops LLC Boosts Stock Holdings in World Acceptance Corporation $WRLD16 Sep
  • A Look at World Acceptance Corp (WRLD) After 5.8% Gain -- GF Value $169.91 vs Price $190.572 Sep
  • World Acceptance: A Buy As The Earnings Trough Reverses And Shares Outstanding Keep Shrinking31 Aug

Mentions in Filings

  • … countant. Mr. Vassalluzzo has served on the boards of directors of Credit Acceptance Corporation, an auto finance company providing automobile loans and other related financial products, since March 2007, and <strong>World Acceptance Corporation</strong>, a personal installment loan company, since August 2011. Mr. Vassalluzzo brings to Cimpress' Board his advocacy for the priorities of long- termism and intrinsic value per share, his appreciation and understan …
    CIMPRESS plcWorld Acceptance Corp·ARS - Annual report to security holders·FY26·27 Oct
  • … accountant. Mr. Vassalluzzo has served on the boards of directors of Credit Acceptance Corporation, an auto finance company providing automobile loans and other related financial products, since March 2007, and <strong>World Acceptance Corporation</strong>, a personal installment loan company, since August 2011. Mr. Vassalluzzo brings to Cimpress' Board his advocacy for the priorities of long-termism and intrinsic value per share, his appreciation and understandi …
    CIMPRESS plcWorld Acceptance Corp·DEF 14A - Definitive proxy statement·Q2 27·27 Oct
  • #WisdomTree, Inc. 16,609 269,066 \*World Acceptance Corp. 368 44,620 WSFS Financial Corp. 5,597 362,294 Zions Bancorp NA 22,105 1,324,311 TOTAL FINANCIALS 398,139,167 HEALTH CARE — (9.3%) \*10X Genomics, Inc., Class A 13,770 278,154 \*4D Molecular Therapeutics, Inc. 3,158 27,980 Abbott Laboratories 47,516 5,193,499 AbbVie, Inc. 63,145 14,081,966 \*ABVC BioPharma, Inc. 5,207 10,518 \*ACADIA Phar …
    Dimensional ETF TrustWorld Acceptance Corp·NPORT-EX - NT NPORT-P - Notification of late filing (portfolio holdings)·Q1 26·13 Aug
  • … te for benchmarking purposes for the remainder of the fiscal year. Atlanticus LendingClub OppFi SoFi Technologies Enova International LendingTree PROG Holdings Upstart Holdings Green Dot MoneyLion Regional Management <strong>World Acceptance</strong> In connection with its annual review, the compensation and leadership committee, with the assistance of Willis Towers Watson, determined to maintain a substantially similar peer group for the 2026 fiscal year, with t …
    Oportun Financial CorpWorld Acceptance Corp·ARS - Annual report to security holders·FY25·29 Jun
  • … c., EZCORP, Inc. Class A, FinWise Bancorp, LendingTree, Inc., Metropolitan Bank Holding Corp., Oportun Financial Corp., PRA Group, Inc., Regional Management Corp., Bancorp Inc, Willis Lease Finance Corporation, <strong>World Acceptance Corporation</strong> Medallion Financial Corp. Investor Presentation 6 --- TSR Outperformance is Substantial over the Long Run Total Shareholder Return Performance Since Announcement of the Business Transformation in 2017 5-year …
    MEDALLION FINANCIAL CORPWorld Acceptance Corp·DEFA14A - Definitive additional materials·Q2 26·21 May
  • … umer Finance | | PROG Holdings, Inc. | PRG | Consumer Finance | | PRA Group, Inc. | PRAA | Consumer Finance | | Regional Management Corp. | RM | Consumer Finance | | SLM Corporation | SLM | Consumer Finance | | <strong>World Acceptance Corporation</strong> | WRLD | Consumer Finance | In comparison to the peer group used in fiscal 2025, in fiscal 2026, two companies were removed and two were added. The Aaron’s Company was removed as it is now privately held, and …
    EZCORP INCWorld Acceptance Corp·10-K - Annual report FY 2026·FY26·12 Nov

Key Stats

Trading

Px/Chg 1D$174.44 / +1.64%
Avg Volume150.78K
Beta0.57
Mkt Cap812.96M
FD Mkt Cap855.42M

Float

Shrs Out/Float4.66M / 3.76M
Short Float0.15%
Days to Cover5.39
Stock Repurchased$132.42M

Current Valuation

EV1.47B
EV/EBITDA27.09
EV/Sales2.51
P/B2.32
P/S1.39
FCF Yield11.50%
ROE9.85%
ROA3.29%
Current Ratio38.84

Estimates

P/E23.22
Est P/E0.00
Est EPS7.74
Est PEG0.00

Valuation

Metric5Yr AvgAug '22Aug '23Aug '24Aug '25Oct '26
PRICE-BASED RATIOS
Price / Earnings20.9013.7641.077.8019.6122.25
Price / Sales2.711.271.411.055.254.58
Price / Book Value1.991.992.261.421.982.32
Price / Free Cash Flow5.302.793.052.329.648.70
ENTERPRISE VALUE METRICS
Enterprise Value1,412.01,502.81,534.41,169.81,384.01,469.0
Enterprise Value / Sales4.752.572.492.048.378.27
Enterprise Value / EBITDA24.9819.4540.3210.6124.0530.49
Enterprise Value / EBIT29.6522.9256.5311.7725.1131.94

Financials

Full Financials
Millions USD5Yr CAGR (%)Mar '22Mar '23Mar '24Mar '25Mar '26
INCOME STATEMENT
Revenue2.4%585.2616.5573.2564.8585.7
Gross Income11.6%365.6306.6368.0395.6567.2
EBITDA6.7%77.338.1110.3165.0100.0
EBIT8.5%65.627.199.4154.791.0
Net Income-10.5%53.921.277.389.734.6
EPS (Diluted)-5.1%8.473.6013.1916.306.88
BALANCE SHEET
Cash & ST Inv-28.2%19.216.511.89.75.1
Total Assets-3.6%1,218.31,117.31,056.41,007.61,052.1
Total Liabilities-3.4%845.3732.1631.9568.1736.9
Total Shareholder Equity-1.5%373.0385.2424.4439.5351.0
CASH FLOW
Net Operating Cash Flow455.5%272.4291.6265.8254.2259,358.9
Cap Ex402.9%-6.1-5.8-5.9-3.7-3,882.3
Free Cash Flow456.5%266.4285.7259.9250.5255,476.5

Enterprise Value Bridge

Millions USD13 Nov '26
Price (As of 13 Nov '26)136.06
Basic Shares4.66
Market Cap634.1
Diluted Shares5.03
Fully Diluted Shares Outstanding5.03
Fully Diluted Market Cap683.8
+Consolidated Debt661.2
−In-the-Money Convertible Debt—
+Capital Leases74.0
+Operating Leases—
−Cash & Equivalents-5.1
−Short-term Investments-
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest-
+Pension Liabilities—
Enterprise Value1,290.2

Segment data

Revenue

by Geography

  • United States92%
  • Mexico8%

Related companies

OneMain Holdings, Inc.

OMF US

Nelnet Inc

NNI US

Enova International, Inc.

ENVA US

SLM Corp

SLM US

Bread Financial Holdings, Inc.

BFH US

Regional Management Corp.

RM US

Affirm Holdings, Inc.

AFRM US

LendingClub Corp

LC US