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WORLD ACCEPTANCE CORP (WRLD)

Financials · Consumer installment lending · NASDAQ

A consumer installment lender serving subprime borrowers nationwide through over 1,000 branches, generating returns through higher-margin small-dollar loans to customers excluded from traditional banking.

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What WORLD ACCEPTANCE CORP does

World Acceptance Corporation is a consumer finance company that originates, acquires, and services small-dollar installment loans primarily to customers who lack access to traditional credit sources. The company operates through a network of branches that originate loans, which are secured by personal property or are unsecured, and collects payments on its loan portfolio. It generates revenue through interest income on loans and various ancillary services provided to borrowers.

Themes: ["Consumer finance","Subprime lending","Installment loans","Non-bank lending"]

Fundamentals

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Key risks (from latest filing)

["Regulatory and reputational risk from characterization of installment loans as predatory or abusive; adverse legislative or regulatory action could severely restrict or prohibit products","Borrower default risk and credit quality deterioration, with net charge-offs at 18.7% of average net loans in recent periods","Interest rate and liquidity risk from dependence on debt financing and floating-rate obligations; rising rates increase borrowing costs and pressure profitability"]

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Competitors & peers

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Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-07-09.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.