Event-Driven Stocks

WORLD ACCEPTANCE CORP

WRLDNasdaq

Financials · Personal Credit Institutions · SC · SEC filings ↗ · Compare ⊕

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Signs● 3 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$564.8M$573.2M$616.5M$585.2M$528.0M$590.0M
Operating income——————
Net income$89.7M$77.3M$21.2M$53.9M$88.3M$28.2M
Total assets$1.01B$1.06B$1.12B$1.22B$954.3M$1.03B
Total liabilities$568.1M$631.9M$732.1M$845.3M$549.3M$618.1M
Equity$439.5M$424.4M$385.2M$373.0M$404.9M$412.0M
EPS (diluted)$16.30$13.19$3.60$8.47$13.23$3.54
Shares out.5.3M5.8M6.2M6.3M6.8M7.5M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
15.9%
Return on equity
20.4%
Return on assets
8.9%
Return on capital (ROCE)
—
Liabilities / assets
56.4%
Debt / equity
1.29×
Book value / share
$82.81
Revenue growth (YoY)
−1.5%
Net income growth (YoY)
16.0%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−16.3%clean
Piotroski F-Score
7/7strong

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
83
/ 100
Profitability 100Growth 50Catalyst 67Earnings quality 100Financial strength 100

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 1 warning● 3 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Revenue declined year-over-year
  • Strong return on equity (>15%)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 2026527,2033.0+3.7%
Apr 30, 2026508,2923.0+13.1%
Apr 15, 2026449,3463.3+3.5%
Mar 31, 2026434,1802.6+24.2%
Mar 13, 2026349,6342.0+15.4%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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