Latest revenue
$141.3M
as of 2025-12-31
Latest net income
$-911.3K
as of 2025-12-31
Net margin
-0.6%
as of 2025-12-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $789.5M
- Enterprise value
- $789.5M
- P/E (trailing)
- 8.8×
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $185.48
- 52-wk low
- $110.00
- Beta
- —
- Shares out
- 4.9M
5-year trend
dashed bar = fiscal Q4 derived from 10-K annual − Q1 − Q2 − Q3 (SEC requires only three 10-Qs per year).
What this company does
Item 1. Description of Business 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 $5,000, with the average loan origination being $1,975 in fiscal 2025. The Company operates 1,024 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,…
AI summary unavailable — showing raw filing excerpt
Generated from WRLD's filing dated 2025-05-22
Key risks
Item 1A. Risk Factors Forward-Looking Statements This annual report contains various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 that are based on management’s beliefs and assumptions, as well as information currently available to management. Statements other than those of historical fact, including, but not limited to those identified by the use of words such as “anticipate,” “estimate,” “intend,” “plan,” “expect,” "project," “believe,” “may,” “will,” “should,” “would,” “could,” "continue," "forecast," "probable," and any variations of the foregoing and similar expressions, are forward-looking statements. Although we believe that…
AI summary unavailable — showing raw filing excerpt
Generated from WRLD's filing dated 2025-05-22
Profitability
Net margin
15.9%
17.7%Return on equity
20.4%
12.1%Return on assets
8.9%
21.6%Leverage
Debt / equity
1.29×
13.2%Long-term debt / equity
0.60×
13.4%Debt / assets
56.4%
5.7%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q4 2025 2025-12-31 | $141.3M | +1.9% | $-911.3K | -106.8% | -0.6% |
Q3 2025 2025-09-30 | $134.5M | +2.3% | $-602.1K | -102.7% | -0.4% |
Q2 2025 2025-06-30 | $132.5M | +2.3% | $1.3M | -86.5% | 1.0% |
Q1 2025 2025-03-31 | $165.3M | +3.8% | $44.3M | +26.3% | 26.8% |
Q4 2024 2024-12-31 | $138.6M | +0.6% | $13.4M | -19.7% | 9.7% |
Q3 2024 2024-09-30 | $131.4M | -4.0% | $22.1M | +37.6% | 16.8% |
Q2 2024 2024-06-30 | $129.5M | -7.0% | $9.9M | +4.3% | 7.7% |
Q1 2024 2024-03-31 | $159.3M | — | $35.1M | — | 22.0% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Personal Credit Institutions · SIC 6141
Your notes
Keep private notes on WRLD — thesis, target price, catalysts to watch.
Visible only to you. Never shared. Never used to train AI.
Insider activity
Insider buying
$0
Insider selling
$65.7M
Net activity
−$65.7M
Distinct insiders
10
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns WRLD
Institutional value
$202.5M
Total shares held
1.6M
Distinct holders
106
-60 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 452.4K | $61.1M | -23.6K (-5.0%) | Trimmed |
| 2 | DIMENSIONAL FUND ADVISORS LP | 224.6K | $30.3M | -13.3K (-5.6%) | Trimmed |
| 3 | UBS Group AG | 133.5K | $18.0M | +79.1K (+145.6%) | Added |
| 4 | VANGUARD CAPITAL MANAGEMENT LLC | 118.4K | $16.0M | — | New |
| 5 | VANGUARD PORTFOLIO MANAGEMENT LLC | 102.9K | $13.9M | — | New |
| 6 | JANE STREET GROUP, LLC | 67.5K | $9.1M | +23.2K (+52.4%) | Added |
| 7 | Allianz Asset Management GmbH | 40.9K | $5.5M | +21.2K (+107.5%) | Added |
| 8 | JPMORGAN CHASE & CO | 24.9K | $3.3M | +17.1K (+219.1%) | Added |
| 9 | BNP PARIBAS FINANCIAL MARKETS | 23.1K | $3.1M | +17.0K (+281.7%) | Added |
| 10 | WINTON GROUP Ltd | 22.4K | $3.0M | +14.1K (+169.9%) | Added |
| 11 | Bank of New York Mellon Corp | 21.4K | $2.9M | -3.6K (-14.4%) | Trimmed |
| 12 | Invesco Ltd. | 20.5K | $2.8M | -12.6K (-38.0%) | Trimmed |
| 13 | LPL Financial LLC | 17.9K | $2.4M | +17 (+0.1%) | Added |
| 14 | VANGUARD FIDUCIARY TRUST CO | 17.8K | $2.4M | — | New |
| 15 | PRINCIPAL FINANCIAL GROUP INC | 13.8K | $1.9M | -10.1K (-42.3%) | Trimmed |
| 16 | O'SHAUGHNESSY ASSET MANAGEMENT, LLC | 12.0K | $1.6M | -2.8K (-18.8%) | Trimmed |
| 17 | Creative Planning | 11.8K | $1.6M | +6.5K (+124.2%) | Added |
| 18 | EXCHANGE TRADED CONCEPTS, LLC | 11.4K | $1.5M | +2.5K (+28.3%) | Added |
| 19 | Public Sector Pension Investment Board | 10.2K | $1.4M | +304 (+3.1%) | Added |
| 20 | ROYCE & ASSOCIATES LP | 9.8K | $1.3M | -2.4K (-19.5%) | Trimmed |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once WRLD's latest filing finishes processing.