Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $491M | $503M | $545M | $590M | $528M | $585M | $617M | $573M | $564M | $585M |
| Revenue growth | — | 2.4% | 8.3% | 8.4% | -10.5% | 10.8% | 5.4% | -7.1% | -1.5% | 3.7% |
| Net income | $73.6M | $53.7M | $37.2M | $28.2M | $88.3M | $53.9M | $21.2M | $77.0M | $89.2M | $34.6M |
| Net margin | 15.0% | 10.7% | 6.8% | 4.8% | 16.7% | 9.2% | 3.4% | 13.5% | 15.8% | 5.9% |
| EPS (diluted) | $8.38 | $5.99 | $4.05 | $3.54 | $13.23 | $8.47 | $3.60 | $13.14 | $16.21 | $6.88 |
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $219M | $218M | $245M | $281M | $227M | $272M | $292M | $266M | $254M | $259M |
| Capital expenditures | $6.81M | $9.17M | $9.81M | $11.3M | $11.7M | $6.07M | $5.83M | $5.93M | $3.68M | $3.88M |
| Free cash flow | $213M | $209M | $235M | $270M | $215M | $266M | $286M | $260M | $250M | $255M |
| Share buybacks | $5.00M | $4.61M | $74.5M | $197M | $102M | $111M | $14.3M | $36.2M | $54.2M | $132M |
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $11.6M | $12.5M | $9.34M | $11.6M | $15.7M | $19.2M | $16.5M | $5.17M | $4.71M | $6.07M |
| Total assets | $801M | $841M | $855M | $1.03B | $954M | $1.22B | $1.12B | $1.06B | $1.01B | $1.05B |
| Total liabilities | $340M | $300M | $303M | $618M | $549M | $845M | $732M | $632M | $571M | $703M |
| Long-term debt | $295M | $245M | $252M | $451M | $405M | $697M | $599M | $498M | $448M | $587M |
| Shareholders' equity | $461M | $541M | $552M | $412M | $405M | $373M | $384M | $422M | $437M | $351M |
| Retained earnings | $345M | $391M | $354M | $185M | $149M | $92.1M | $97.2M | $138M | $171M | $71.6M |
| Shares (wtd avg diluted) | 8.78M | 8.96M | 9.20M | 7.95M | 6.67M | 6.36M | 5.90M | 5.86M | 5.51M | 5.03M |
Every figure is extracted from WORLD ACCEPTANCE CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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