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World Acceptance financial statements

월드 억셉턴스NASDAQ:WRLD · Nasdaq · Banks · sector #7
$180.20+2.13%
2026-10-08 close

World Acceptance's published financial data is dated 2026-10-04. 2025 revenue was $565M. 2025 operating profit was $112M.

Reported results

Financial safety

Reference indicatorAs of 2025
Grey zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 2.12
Distress
Grey
Safe
The marker shows the current Z'' value within the displayed zones.
Altman Z''
2.12
Beneish M-Score
-3.23

No statistical flag

Sloan accrual
-16.32%

부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.

Factual information, not investment advice.

Earnings quality · Piotroski F-Score

8/9Strong

Piotroski measures year-over-year financial improvement, not absolute quality.

Financial improvement score8/9

Profitability

  • Positive ROAPass
  • Positive OCFPass
  • Improving ΔROAPass
  • Accruals (OCF > net income)Pass

Leverage & liquidity

  • Lower debtPass
  • Higher current ratioNot passed
  • No new sharesPass

Efficiency

  • Higher gross marginPass
  • Higher asset turnoverPass

Calculation note: F7(신주)은 equity/asset 유지로 근사

Already-stable companies may score lower when year-over-year improvement is limited.

Factual information, not investment advice.

Forensic signals

Anomaly and structural signals observed in the financial statements.

Revenue qualityWarning

OCF/매출 3기 연속 하락. 통계적 정황 신호이며 회계부정 단정이 아닙니다.

Factual information, not investment advice.

Risk sensitivity — adverse assumptions

Metric changes under stated assumptions; not a forecast or investment advice.

Base metrics

Operating margin
19.8%
Interest coverage
5x
Return on equity (ROE)
20.4%

Operating margin −5pp

Tolerable
Interest coverageBase 5x adverse case 3.8x
Return on equity (ROE)Base 20.4% adverse case 14%

Revenue −15%

Tolerable
Interest coverageBase 5x adverse case 4.3x
Return on equity (ROE)Base 20.4% adverse case 16.6%

Interest rate +2pp

Tolerable
Interest coverageBase 5x adverse case 3.3x
Return on equity (ROE)Base 20.4% adverse case 17.8%

Interest coverage limit

Current margin 15.9pp

Interest coverage limit at an operating margin of 3.9%

Interest expense coverage threshold

World Acceptance notifications

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