WORLD ACCEPTANCE CORP
WRLD · Personal Credit Institutions · 4.6M shares · -7%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $27M (gross $36M, SBC $9M)
Reference price $181.00 · est. market cap ~$840M — last insider sale, 2026-06-15 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C57World Acceptance — subprime installment lender with sharp earnings drop and regulatory risk.
Strengths
- Strong free cash flow (92nd pct), high ROA (83rd)
Risks
- Net income down 56% (1st pct)
- Heavy consumer-lending regulation (CFPB)
- Credit-loss and funding sensitivity
Notable findings
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
5.9%
Return on equity
9.9%
Return on assets
3.3%
Revenue growth (QoQ)
25.3%
Net-income growth
-61.2%
Debt / equity
1.7×
Free cash flow
$255M
Tangible book value
$339M
Cash & investments
$6M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-15 | Caulder Alice Lindsay | Sell | 609 | $181.00 |
| 2026-06-12 | Umstetter Luke J. | Sell | 1.0K | $181.66 |
| 2026-06-03 | Matricciani Janet Lewis | Other | 6.5K | — |
| 2026-05-22 | Robinson Benjamin E III | Sell | 90 | $160.00 |
| 2026-05-13 | Matricciani Janet Lewis | Tax withheld | 264 | $149.88 |
| 2026-04-30 | Robinson Benjamin E III | Sell | 180 | $160.00 |
| 2026-04-16 | Matricciani Janet Lewis | Grant | 7.1K | — |
| 2026-04-10 | Prashad R Chad | Tax withheld | 8.3K | $148.80 |
| 2026-03-31 | Dyer Daniel Clinton | Tax withheld | 3.5K | $135.04 |
| 2026-03-10 | Calmes John L Jr | Sell | 1.0K | $141.88 |
| 2026-02-17 | Turner James Tobin | Grant | 6.0K | — |
| 2025-12-19 | Prashad R Chad | Gift | 6.3K | — |
| 2025-12-18 | Prashad R Chad | Sell | 724 | $148.62 |
| 2025-12-18 | Caulder Alice Lindsay | Tax withheld | 1.2K | $147.94 |
| 2025-12-18 | McIntyre Scott | Tax withheld | 1.2K | $147.94 |
| 2025-12-18 | Childers Jason E. | Tax withheld | 1.2K | $147.94 |
| 2025-12-18 | Umstetter Luke J. | Tax withheld | 2.0K | $147.94 |
| 2025-12-18 | Prashad R Chad | Sell | 800 | $146.72 |
| 2025-12-18 | Prashad R Chad | Sell | 1.5K | $147.71 |
| 2025-12-18 | Prashad R Chad | Tax withheld | 5.3K | $147.94 |
| 2025-12-18 | Calmes John L Jr | Tax withheld | 3.1K | $147.94 |
| 2025-12-18 | Dyer Daniel Clinton | Tax withheld | 2.6K | $147.94 |
| 2025-12-17 | Calmes John L Jr | Sell | 811 | $149.47 |
| 2025-12-17 | Calmes John L Jr | Sell | 189 | $148.11 |
| 2025-12-16 | Dyer Daniel Clinton | Sell | 8.9K | $149.00 |
| 2025-12-15 | Dyer Daniel Clinton | Sell | 89 | $150.00 |
| 2025-09-17 | Caulder Alice Lindsay | Sell | 1.0K | $167.33 |
| 2025-09-15 | Childers Jason E. | Sell | 759 | $166.75 |
| 2025-09-15 | Prashad R Chad | Sell | 1.9K | $166.00 |
| 2025-09-12 | Prashad R Chad | Sell | 1.2K | $168.14 |
| 2025-09-12 | WAY CHARLES D | Gift | 1.0K | — |
| 2025-09-12 | Prashad R Chad | Sell | 5.8K | $166.32 |
| 2025-09-10 | BRAMLETT KEN R JR | Sell | 502 | $166.56 |
| 2025-09-10 | BRAMLETT KEN R JR | Sell | 1.9K | $165.70 |
| 2025-09-10 | BRAMLETT KEN R JR | Sell | 1.0K | $170.18 |
| 2025-09-04 | Prescott General Partners LLC | Sell | 260K | $172.88 |
| 2025-09-04 | Prescott General Partners LLC | Sell | 12K | $172.88 |
| 2025-09-04 | Prescott General Partners LLC | Sell | 58K | $172.88 |
| 2025-09-04 | Prescott General Partners LLC | Sell | 17K | $172.88 |
| 2025-08-06 | WAY CHARLES D | Sell | 402 | $160.00 |
| 2025-07-31 | Dyer Daniel Clinton | Sell | 128 | $159.00 |
| 2025-07-30 | Dyer Daniel Clinton | Sell | 4.7K | $159.50 |
| 2025-07-02 | Prescott General Partners LLC | Other | 33K | $165.12 |
| 2025-06-11 | WAY CHARLES D | Sell | 50 | $161.00 |
| 2025-06-11 | WAY CHARLES D | Option exercise | 50 | $100.79 |
| 2025-06-10 | Umstetter Luke J. | Grant | 12K | — |
| 2025-06-10 | WAY CHARLES D | Grant | 2.0K | — |
| 2025-06-10 | Whitaker Darrell E | Grant | 2.0K | — |
| 2025-06-10 | Robinson Benjamin E III | Grant | 2.0K | — |
| 2025-06-10 | Neuhoff Elizabeth R. | Grant | 2.0K | — |
| 2025-06-10 | BRAMLETT KEN R JR | Grant | 2.0K | — |
| 2025-06-10 | McIntyre Scott | Grant | 7.2K | — |
| 2025-06-10 | Childers Jason E. | Grant | 7.2K | — |
| 2025-06-10 | Caulder Alice Lindsay | Grant | 7.2K | — |
| 2025-06-10 | Dyer Daniel Clinton | Grant | 8.0K | — |
| 2025-06-10 | Calmes John L Jr | Grant | 16K | — |
| 2025-06-10 | Prashad R Chad | Grant | 28K | — |
| 2025-06-02 | Whitaker Darrell E | Sell | 2.0K | $155.61 |
| 2025-06-02 | Whitaker Darrell E | Sell | 499 | $156.22 |
| 2025-05-21 | Caulder Alice Lindsay | Sell | 1.0K | $150.00 |
| 2025-04-25 | Prashad R Chad | Grant | 22K | — |
| 2025-04-25 | Prashad R Chad | Tax withheld | 6.9K | $134.15 |
| 2025-04-25 | McIntyre Scott | Grant | 5.2K | — |
| 2025-04-25 | McIntyre Scott | Tax withheld | 2.4K | $134.15 |
| 2025-04-25 | Dyer Daniel Clinton | Grant | 13K | — |
| 2025-04-25 | Dyer Daniel Clinton | Tax withheld | 5.0K | $134.15 |
| 2025-04-25 | Childers Jason E. | Grant | 5.2K | — |
| 2025-04-25 | Childers Jason E. | Tax withheld | 2.4K | $134.15 |
| 2025-04-25 | Caulder Alice Lindsay | Grant | 5.2K | — |
| 2025-04-25 | Calmes John L Jr | Grant | 13K | — |
| 2025-04-25 | Calmes John L Jr | Tax withheld | 5.0K | $134.15 |
| 2025-04-25 | Caulder Alice Lindsay | Tax withheld | 2.4K | $134.15 |
| 2025-04-25 | Umstetter Luke J. | Grant | 8.6K | — |
| 2025-04-25 | Umstetter Luke J. | Tax withheld | 4.0K | $134.15 |
| 2025-02-21 | Calmes John L Jr | Sell | 1.0K | $145.00 |
| 2025-02-18 | Prescott General Partners LLC | Sell | 163K | $147.50 |
| 2025-02-14 | McIntyre Scott | Sell | 10 | $150.63 |
| 2025-02-14 | Umstetter Luke J. | Sell | 157 | $151.50 |
| 2025-02-14 | Umstetter Luke J. | Sell | 5 | $152.16 |
| 2025-02-14 | McIntyre Scott | Sell | 2.0K | $150.22 |
| 2025-02-13 | Umstetter Luke J. | Sell | 488 | $150.19 |
| 2025-02-13 | Childers Jason E. | Sell | 1.3K | $148.46 |
| 2025-02-12 | Childers Jason E. | Sell | 406 | $143.44 |
| 2025-02-12 | Childers Jason E. | Sell | 94 | $144.19 |
| 2025-01-31 | Caulder Alice Lindsay | Sell | 600 | $139.81 |
| 2025-01-28 | Umstetter Luke J. | Sell | 600 | $150.00 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-04 | Exec/director change | filing ↗ |
| 2026-05-26 | Material agreement | filing ↗ |
| 2026-04-30 | ResultsReg FDExhibits | filing ↗ |
| 2026-04-15 | Exec/director changeOtherExhibits | filing ↗ |
| 2026-02-17 | Exec/director changeReg FDExhibits | filing ↗ |
| 2026-02-11 | Other | filing ↗ |
| 2026-01-27 | ResultsReg FDExhibits | filing ↗ |
| 2025-12-04 | Exec/director changeReg FDExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 10-K/A | 2026-06-05 | 2026-03-31 | 0000108385-26-000017 ↗ |
| 10-K | 2026-06-04 | 2026-03-31 | 0000108385-26-000014 ↗ |
| 8-K | 2026-06-04 | 2026-06-03 | 0001437749-26-019480 ↗ |
| 8-K | 2026-05-26 | 2026-05-22 | 0000108385-26-000011 ↗ |
| 8-K | 2026-04-30 | 2026-04-30 | 0001437749-26-013984 ↗ |
| 8-K | 2026-04-15 | 2026-04-10 | 0001437749-26-012282 ↗ |
| 8-K | 2026-02-17 | 2026-02-17 | 0001437749-26-004381 ↗ |
| 8-K | 2026-02-11 | 2026-02-11 | 0000108385-26-000007 ↗ |
| 10-Q | 2026-02-09 | 2025-12-31 | 0000108385-26-000005 ↗ |
| 8-K | 2026-01-27 | 2026-01-27 | 0001437749-26-002140 ↗ |
| 8-K | 2025-12-04 | 2025-12-04 | 0001437749-25-036854 ↗ |
| 10-Q | 2025-11-06 | 2025-09-30 | 0000108385-25-000092 ↗ |