What is the 13F Pro Quality Score for WRLD?

13F Pro ranks WORLD ACCEPTANCE CORP (WRLD) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View WRLD's current score at https://13fpro.ai/research/WRLD (free sign-up required for the full ranking).

Which hedge funds own the most WRLD stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of WRLD include Prescott General Partners, BlackRock,, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/WRLD as soon as new 13F filings post.

Where does 13F Pro source WRLD data?

All WORLD ACCEPTANCE CORP fundamentals and ownership data come directly from SEC EDGAR. WORLD ACCEPTANCE CORP files with the SEC under CIK 108385. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is WRLD in?

WORLD ACCEPTANCE CORP (WRLD) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is WRLD research updated on 13F Pro?

WRLD's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

WORLD ACCEPTANCE CORP(WRLD)Stock Analysis

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13F Pro Quality Score

60.8/100

Rank #833 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

66.2/100

Profitability

50.5/100

Balance Sheet

51.3/100

Earnings Quality

30.0/100

Free Cash Flow

89.9/100

Institutional Flow

81.3/100

Revenue Scale

38.0/100

Dilution Risk

100.0/100

WRLD Stock Analysis & AI Quality Score

AI stock analysis and institutional research for WORLD ACCEPTANCE CORP (WRLD), a Financials sector company. 13F Pro's AI-powered ranking engine scores WRLD at 60.8/100 on a 32-signal composite quality model, placing it at rank #833 of 2,879 stocks — the top half of the AI-ranked universe. WRLD scores in the top quartile across free cash flow (89.9), institutional flow (81.3). Areas of concern include earnings quality (30.0) and revenue scale (38.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q4 2026), WORLD ACCEPTANCE CORP reports quarterly revenue of $177.0M, net income of $36.1M, free cash flow of $93.5M. Top institutional holders of WRLD by reported 13-F value include Prescott General Partners, BlackRock,, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. WRLD trades on the Nasdaq exchange and files with the SEC under CIK 108385. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate WRLD daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for WORLD ACCEPTANCE CORP directly from SEC EDGAR. WORLD ACCEPTANCE CORP's 13F Pro composite quality score has ranged between 41 and 67 since 2021, currently 60.8 — a declining long-term trajectory across 28 quarterly and live scoring snapshots.

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Fun facts about WORLD ACCEPTANCE CORP

Quirks, history, and lore behind WRLD — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · small-cap · listed on Nasdaq · headquartered in South Carolina.
2
The Numbers
Operates over 1,000 branch locations across roughly a dozen U.S. states, with annual revenue in the hundreds of millions of dollars.
3
The History
Founded in 1962, it built its business one storefront at a time in Southern and Midwestern states, serving customers that big banks routinely turn away.
4
The Secret
Its entire model is small personal installment loans — think a few hundred to a few thousand dollars — repaid in fixed monthly payments at high interest rates.
5
The Lore
It operates squarely in the subprime consumer lending space, drawing both loyal customers and persistent scrutiny from consumer protection regulators.
6
The Giveaway
Its ticker literally spells WRLD, and its name tells you exactly what it thinks of its corner of the small-loan consumer finance world — it's got "World" and "Acceptance" right in the title.

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Revenue

Q4 2026

$177.0M

Net Income

Q4 2026

$36.1M

Free Cash Flow

Q4 2026

$93.5M

ROIC

Q4 2026

4.9%

D/E Ratio

Q4 2026

1.67

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+3.7% YoY

$585.2MFY 2026

FY23 $616.5MFY24 $572.8MFY25 $564.2MFY26 $585.2M

Net Income

-61.2% YoY

$34.6MFY 2026

FY23 $21.2MFY24 $77.0MFY25 $89.2MFY26 $34.6M

EPS (Diluted)

-57.6% YoY

$6.88FY 2026

FY23 $3.60FY24 $13.14FY25 $16.21FY26 $6.88

Total Assets

+4.6% YoY

$1.05BFY 2026

FY23 $1.12BFY24 $1.06BFY25 $1.01BFY26 $1.05B

Total Debt

+31.1% YoY

$587.2MFY 2026

FY23 $598.8MFY24 $498.4MFY25 $447.9MFY26 $587.2M

Op. Cash Flow

+2.0% YoY

$259.4MFY 2026

FY23 $291.6MFY24 $265.8MFY25 $254.2MFY26 $259.4M

Metric	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2019
Revenue	$585.2M +3.7%	$564.2M -1.5%	$572.8M -7.1%	$616.5M +5.4%	$585.2M +7.5%	$544.5M
Net Income	$34.6M -61.2%	$89.2M +15.8%	$77.0M +262.9%	$21.2M -60.6%	$53.9M +44.8%	$37.2M
EPS (Diluted)	$6.88 -57.6%	$16.21 +23.4%	$13.14 +265.0%	$3.60 -57.5%	$8.47 +109.1%	$4.05
Total Assets	$1.05B +4.6%	$1.01B -4.6%	$1.06B -5.5%	$1.12B -8.3%	$1.22B +42.5%	$855.0M
Total Debt	$587.2M +31.1%	$447.9M -10.1%	$498.4M -16.8%	$598.8M -14.1%	$697.0M +176.6%	$251.9M
Operating Cash Flow	$259.4M +2.0%	$254.2M -4.4%	$265.8M -8.8%	$291.6M +7.0%	$272.4M +11.4%	$244.7M

AI Insight: WRLD Financial Trends

WRLD swung from Q4 2025 losses to Q1 2026 profitability, but debt surged 36% from Q2 2025 peak while equity shrank 17% in same span.

• Net income recovered to $36M in Q1 2026 from -$1M loss in Q4 2025; operating cash flow strengthened to $95M, highest since Q1 2025.

• Revenue climbed to $177M in Q1 2026, up 35% from Q2 2025 trough of $132M; Q1 2025 comparable was $165M.

• Total debt escalated to $677M by Q4 2025 (peak), then moderately declined to $587M by Q1 2026; equity fell from $439M (Q1 2025) to $351M.

⚠ Debt-to-equity ratio deteriorated sharply: 1.17x in Q2 2025 to 1.67x in Q1 2026—leverage at highest on record.

⚠ Q2–Q3 2025 saw consecutive losses and equity compression; Q1 2026 recovery must sustain to stabilize balance sheet.

AI Insight: WRLD Ratio Trends

WRLD swung from three consecutive loss-making quarters to Q1 2026 profitability and 41% ROE, but TTM metrics remain severely depressed by 2025 carnage.

• Q1 2026 operating margin recovered to 26.0% and ROE surged to 41.1%, reversing negative margins in Q2–Q4 2025.

• TTM ROE fell to 9.8% and ROIC to 4.8%, dragged down by three quarters of losses through Q4 2025.

• Leverage spiked to 1.93x D/E in Q4 2025, then stabilized at 1.67x in Q1 2026—well above pre-crisis 1.17x level in Q2 2024.

⚠ Q1 2026 recovery is singular quarter; sustained profitability required to validate turnaround after three consecutive loss quarters.

⚠ ROA collapsed from 17.6% in Q1 2025 to -0.7% in Q3 2025—asset quality or underwriting issues merit urgent scrutiny.

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Available Research

13F Pro tracks comprehensive data for WORLD ACCEPTANCE CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of WRLD

Prescott General Partners LLC
$204.2M1,512,424 sh
BlackRock, Inc.
$61.1M452,411 sh
DIMENSIONAL FUND ADVISORS LP
$30.3M224,602 sh
AQR CAPITAL MANAGEMENT LLC
$20.9M154,966 sh
UBS Group AG
$18.0M133,469 sh
VANGUARD CAPITAL MANAGEMENT LLC
$16.0M118,364 sh
STATE STREET CORP
$16.0M118,251 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$13.9M102,935 sh
MILLENNIUM MANAGEMENT LLC
$12.5M92,686 sh
AMERICAN CENTURY COMPANIES INC
$12.0M89,115 sh

Fund	Value	Shares
Prescott General Partners LLC	$204.2M	1,512,424
BlackRock, Inc.	$61.1M	452,411
DIMENSIONAL FUND ADVISORS LP	$30.3M	224,602
AQR CAPITAL MANAGEMENT LLC	$20.9M	154,966
UBS Group AG	$18.0M	133,469
VANGUARD CAPITAL MANAGEMENT LLC	$16.0M	118,364
STATE STREET CORP	$16.0M	118,251
VANGUARD PORTFOLIO MANAGEMENT LLC	$13.9M	102,935
MILLENNIUM MANAGEMENT LLC	$12.5M	92,686
AMERICAN CENTURY COMPANIES INC	$12.0M	89,115

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Is WRLD a good stock to buy?

13F Pro's AI-powered analysis of WORLD ACCEPTANCE CORP (WRLD) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for WRLD are available on the WRLD stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own WRLD?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling WRLD. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of WORLD ACCEPTANCE CORP's investment landscape.