145.40
-2.47%
Close of 9 Nov 2026, in USD
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About World Acceptance
From its filings with the US Securities and Exchange Commission
World Acceptance is based in Greenville, South Carolina and is incorporated in South Carolina. Its shares trade on Nasdaq under the ticker WRLD. The SEC classifies its business as personal credit institutions. In the fiscal year to 31 March 2026, it reported revenue of $585.2m and net income of $34.6m. At that date it held total assets of $1.05bn and shareholders' equity of $351.0m.
General. The Company, which has continuously operated since July 1962, is one of the nation's largest small-loan consumer finance companies, offering short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. The Company offers traditional installment loans generally between $400 and $5,300, with the average loan origination being $2,015 in fiscal 2026. The Company operates 1,009 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Texas, Tennessee, Utah, and Wisconsin as of March 31, 2026. The Company generally serves individuals with limited access to other sources of consumer credit such as banks, credit unions, other consumer finance businesses and credit card lenders. The Company also offers income tax return preparation services to its loan customers and other individuals.
The traditional installment loan industry is a highly fragmented segment of the consumer lending industry. Installment loan finance companies generally make loans to individuals of less than $2,000 with maturities of less than 18 months. These companies approve loans on the basis of the personal creditworthiness of their customers and maintain close contact with borrowers to encourage the repayment or, when appropriate to meet the borrower’s needs, the refinancing of loans.
Quoted from its 10-K, filed 4 Jun 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 26 Nov 1991
- Employees
- 2,907
- Website
- loansbyworld.com ↗
- Head office
- 104 S. MAIN STREET, GREENVILLE, SC, 29601
- Incorporated in
- SC
- Classification
- Personal Credit Institutions
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Ken BramlettIndependent Chairman of the Board$225,013
- Mr. Ravin PrashadPresident, Chief Executive Officer, Director, since 2018$2.3m
- Mr. John CalmesChief Financial and Strategy Officer, Executive Vice President, Treasurer$1.4m
- Dr. Daniel DyerExecutive Vice President, Chief Branch Operations Officer$1.3m
- Mr. Luke UmstetterSenior Vice President, Chief Compliance Officer, General Counsel, Secretary$905,004
- Ms. A. Lindsay CaulderSenior Vice President - Human Resources$671,530
- Mr. Jason ChildersSenior Vice President - Information Technology$662,585
- Mr. Scott McintyreSenior Vice President - Accounting$669,042
- Ms. Elizabeth NeuhoffIndependent Director$204,013
- Mr. Benjamin RobinsonIndependent Director$204,013
- Mr. Scott VassalluzzoIndependent Director$94,500
- Mr. Charles WayIndependent Director$225,013
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 39
- Environment
- 2
- Social
- 46
- Governance
- 69
- Women in the workforce
- 85.38%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- World Acceptance Corp has built a strong reputation and presence in the financial services industry over the years.
- The company offers a range of financial products and services, including small consumer loans, tax services, and insurance products.
- World Acceptance Corp has a loyal customer base, which provides a stable source of revenue and potential for cross-selling other products.
Weaknesses
- The company operates in a highly regulated industry, which exposes it to risks and compliance challenges.
- World Acceptance Corp primarily operates in the United States, limiting its growth potential compared to competitors with a global presence.
Opportunities
- The company can explore opportunities to expand its operations into new geographic areas or target underserved customer segments.
- Leveraging new technologies can help World Acceptance Corp streamline its processes, improve customer experience, and gain a competitive edge.
Threats
- Fluctuations in the economy can impact consumer spending and demand for financial services, potentially affecting the company's profitability.
- The financial services industry is highly competitive, with new entrants and established players constantly vying for market share.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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