World Acceptance's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of World Acceptance (WRLD) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: World Acceptance vs Its Competitors
- TTM: Trailing 12-month revenue of 591M vs 236,278M combined for tracked competitors (0.2% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-5.8% annualized vs trailing 12 months), vs accelerating (+5.4%) for its tracked peer group.
- Growth: World Acceptance generated 5.1% revenue growth year over year in Q1 2026, vs 16.5% for its tracked competitors combined.
- Profitability: Its 4.4% net margin compares with 28.9% for the peer group.
- Scale: World Acceptance ranks #19 of 30 companies by market capitalization in the Consumer Financial Services industry, holding 0.2% of industry market cap.
- Peer revenue share: World Acceptance accounted for 0.2% of combined revenue among its tracked peer group, down from 0.3% a year earlier.
- Peer differentiation: Revenue per employee of $0.20M compares with $0.51M for the peer group (0.4x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
WRLD Sales vs. its Competitors, Q1 2026
World Acceptance reported revenue growth of 5.10 % year on year in Q1 2026, below its competitors' combined revenue growth of 16.46 %.
With a net margin of 4.39 %, World Acceptance reported lower profitability than its competitors (28.92 %).
World Acceptance generated 0.22 % of the combined sales of its peer group, down from 0.25 % a year earlier.
World Acceptance vs. its Competitors, Q1 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across World Acceptance and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| World Acceptance Corporation | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (7) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across World Acceptance's competitor groups requires a Commercial License.
For context: the Consumer Financial Services industry grew revenue 9.0% year over year, combined, vs 5.1% for World Acceptance. World Acceptance's share of combined industry revenue moved from 0.34% to 0.33%, a loss of 0.01 percentage points.
World Acceptance's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| World Acceptance Corporation | Yes | Yes | No | No |
| Competitors combined (20) | ||||
| Similar-Size Competitors (10) | ||||
| Similar Growth & Profitability (8) | 75.00 % (6 of 8) | 75.00 % (6 of 8) | 37.50 % (3 of 8) | 25.00 % (2 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
WRLD Stock Performance relative to its Competitors
WRLD Stock Performance relative to Similar-Size Competitors
WRLD Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Ezcorp Inc | 282.9% | Outperformed |
| 2 | Firstcash Holdings Inc | 282.9% | Outperformed |
| 3 | Atlanticus Holdings Corp | 282.9% | Outperformed |
| 4 | Enova International Inc | 282.9% | Outperformed |
| 5 | Northern Trust Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for World Acceptance's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of World Acceptance Corporation
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| World Acceptance Corporation | 785.12 | 590.83 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Schwab Charles Corp | 170,943.70 | 26,025.00 |
| Pnc Financial Services Group Inc | 90,139.01 | 25,026.00 |
| Truist Financial Corporation | 58,346.39 | 19,028.00 |
| M and t Bank Corporation | 32,351.33 | 9,451.00 |
| SUBTOTAL | 856,065.85 | 242,150.05 |
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Sources: World Acceptance Corporation's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on World Acceptance Corporation versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
World Acceptance's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Schwab Charles Corp | Investor Services 78.17 % |
| Ezcorp Inc | US Pawn 71.25 % |
| Diebold Nixdorf Incorporated | Banking 68.21 % |
| Atlanticus Holdings Corp | Credit and Other Investments 98.51 % |
| Lendingtree inc | Insurance 66.77 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
World Acceptance's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| World Acceptance Corporation | 785 | 203,245 | 13,536 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Schwab Charles Corp | 170,944 | 788,636 | 305,939 |
| Pnc Financial Services Group Inc | 90,139 | 452,280 | 138,832 |
| Truist Financial Corporation | 58,346 | 513,078 | 157,472 |
| M and t Bank Corporation | 32,351 | 422,334 | 129,994 |
| PEERS TOTAL | 855,281 | 509,204 | 147,281 |
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World Acceptance's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Enova International Inc | US 97.28 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
World Acceptance's Position in Industry Market Structure
Market-capitalization share and concentration across all 29 companies in World Acceptance's industry classification, broader than the peer set above. Market cap in millions of $.World Acceptance ranks #19 of 29 companies by market capitalization in its industry, holding 0.20 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,784, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | S and p Global Inc | 125,674 | 31.66 % |
| 2 | Moody s Corporation | 80,826 | 20.36 % |
| 3 | Paccar Inc | 58,593 | 14.76 % |
| 4 | Rocket Companies Inc | 33,227 | 8.37 % |
| 5 | Affirm Holdings Inc | 1,234 | 5.2% |
| 6 | Equifax Inc | 1,234 | 5.2% |
| 7 | Transunion | 1,234 | 5.2% |
| 8 | Onemain Holdings Inc | 1,234 | 5.2% |
| 9 | Credit Acceptance Corp | 1,234 | 5.2% |
| 10 | Enova International Inc | 1,234 | 5.2% |
| 19 | World Acceptance Corporation | 790 | 0.20 % |
Market cap and industry share for the rest of World Acceptance's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
World Acceptance's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 14 | Pennymac Financial Services inc | 3,453 | -47.11 % |
| 15 | Euronet Worldwide Inc | 2,971 | -26.80 % |
| 16 | Encore Capital Group Inc | 2,232 | 124.87 % |
| 17 | Atlanticus Holdings Corp | 1,752 | 41.64 % |
| 18 | Pra Group Inc | 1,234 | 12.3% |
| 19 | World Acceptance Corporation | 790 | -4.56 % |
| 20 | Plumas Bancorp | 1,234 | 12.3% |
| 21 | Uwm Holdings Corporation | 1,234 | 12.3% |
| 22 | Lesaka Technologies Inc | 1,234 | 12.3% |
| 23 | Regional Management Corp | 1,234 | 12.3% |
| 24 | Onity Group Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of World Acceptance's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
World Acceptance's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Consumer Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (37 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 63.05 % (avg) | - |
| Operating Margin | 8.66 % | industry median | -5.2 pp |
| EBITDA Margin | 20.50 % | 30.50 % (avg) | -10.0 pp |
| Capital Intensity (Capex / Revenue) | 0.70 % | 8.55 % (avg) | -7.9 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
World Acceptance's Valuation vs Competitive Position
Valuation multiples vs the Consumer Financial Services industry average (37 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 21.0x | 19.3x | +1.7x |
| EV / EBITDA | 10.3x | 11.7x | -1.4x |
| P/B | 2.1x | 2.7x | -0.5x |
| Return on Equity | 10.37 % | industry aggregate | -6.45 % |
| Return on Invested Capital | 3.67 % | 4.81 % (avg) | -1.14 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
World Acceptance's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -0.37 % | 8.28 % | -7.16 % | 3.70 % | 10.86 % | -4.82 % | -2.78 % | 2.61 % |
| Operating Margin | -32.58 % | -58.54 % | -29.06 % | -21.07 % | -30.04 % | 37.86 % | 18.52 % | 9.48 % |
| Return on Invested Capital | -12.97 % | -23.50 % | -12.81 % | -8.71 % | -11.70 % | 14.38 % | 6.95 % | 3.85 % |
| P/E | 34.3x | 18.7x | 11.8x | 17.9x | 208.4x | 10.7x | 8.4x | 18.3x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
World Acceptance's Strategic Group Map
Every company in World Acceptance's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. World Acceptance is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
World Acceptance's BCG Growth-Share Matrix
Relative market share (vs World Acceptance's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
World Acceptance falls in the Dog quadrant: relative market share of 0.01x vs its largest competitor, in an industry growing revenue 6.2% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
World Acceptance's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,784 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.70 % vs industry average 8.55 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See World Acceptance's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See World Acceptance's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
World Acceptance's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
World Acceptance falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
World Acceptance's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Operating margin 5.2 points below the industry median.
- Return on equity 6.5 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-5.8% annualized vs trailing 12 months).
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.01x).
Opportunities
No rule matched.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
World Acceptance's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| World Acceptance Corporation | 0.22 | 19.39 | 1.18 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Schwab Charles Corp | 0.10 | 1.04 | 0.79 |
| Pnc Financial Services Group Inc | 0.03 | 0.02 | 1.15 |
| Truist Financial Corporation | 0.09 | 0.16 | 1.08 |
| M and t Bank Corporation | 0.03 | 0.15 | 0.57 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
World Acceptance's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| World Acceptance Corporation | Q2 2026 | +5.1 % | +354.4 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Schwab Charles Corp | Q2 2026 | +20.9 % | +31.7 % |
| Pnc Financial Services Group Inc | Q2 2026 | +21.4 % | +25.1 % |
| Truist Financial Corporation | Q2 2026 | +8.2 % | +25.2 % |
| M and t Bank Corporation | Q2 2026 | +6.2 % | +20.2 % |
| PEERS TOTAL | +16.1 % | +22.0 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
World Acceptance's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| World Acceptance Corporation | Q2 2026 | -13.4 % | +22.7 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Schwab Charles Corp | Q2 2026 | - | +44.5 % |
| Pnc Financial Services Group Inc | Q2 2026 | - | - |
| Truist Financial Corporation | Q2 2026 | -24.2 % | - |
| M and t Bank Corporation | Q2 2026 | - | -19.2 % |
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World Acceptance's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| World Acceptance Corporation | 3.74% | 3.92% | 10.37% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Schwab Charles Corp | 2.05% | 4.01% | 20.38% |
| Pnc Financial Services Group Inc | 1.30% | 3.15% | 12.42% |
| Truist Financial Corporation | 1.06% | 2.65% | 9.01% |
| M and t Bank Corporation | 1.35% | 3.30% | 10.22% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
World Acceptance's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| World Acceptance Corporation | 20.26 | 1.33 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Schwab Charles Corp | 118.43 | 6.57 |
| Pnc Financial Services Group Inc | 12.33 | 3.60 |
| Truist Financial Corporation | 10.83 | 3.07 |
| M and t Bank Corporation | 11.73 | 3.42 |
| PEERS AVERAGE | 12.25 | 3.54 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.