WRLD (World Acceptance) LT-Debt-to-Total-Asset: 0.63 (As of Mar. 2026)

What is World Acceptance LT-Debt-to-Total-Asset?

World Acceptance WRLD -2.14% 63 LT-Debt-to-Total-Asset is 0.63 as of Mar. 2026. GuruFocus rates WRLD with a GF Score™ of 63/100 and a GF Value™ of $159.82 (Significantly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. World Acceptance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.63.

World Acceptance's long-term debt to total assets ratio increased from Mar. 2025 (0.52) to Mar. 2026 (0.63). It may suggest that World Acceptance is progressively becoming more dependent on debt to grow their business.

World Acceptance (NAS:WRLD) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

World Acceptance LT-Debt-to-Total-Asset Related Terms

World Acceptance LT-Debt-to-Total-Asset Historical Data

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The historical data trend for World Acceptance's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

World Acceptance LT-Debt-to-Total-Asset Chart

World Acceptance Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

LT-Debt-to-Total-Asset

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0.64

0.61

0.55

0.52

0.63

World Acceptance Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.52	0.54	0.62	0.66	0.63

63GF Score

World Acceptance Corp WRLD

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World Acceptance LT-Debt-to-Total-Asset Calculation

World Acceptance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	661.194	/	1054.121
	=	0.63

World Acceptance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	661.194	/	1054.121
	=	0.63

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.63 mean?

World Acceptance (WRLD) has a LT-Debt-to-Total-Asset of 0.63 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on World Acceptance and its competitors.

Is World Acceptance's LT-Debt-to-Total-Asset too high?

World Acceptance's current LT-Debt-to-Total-Asset is 0.63. Overall, World Acceptance has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does World Acceptance's LT-Debt-to-Total-Asset compare to JCAP and LU?

World Acceptance's LT-Debt-to-Total-Asset of 0.63 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on World Acceptance and its competitors. World Acceptance's current LT-Debt-to-Total-Asset is 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is World Acceptance stock overvalued right now?

Based on GuruFocus' analysis, World Acceptance (WRLD) is currently considered Significantly Overvalued. The stock's GF Value™ is $159.82, compared to a current price of $219.70 — trading 37.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.63. World Acceptance's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For World Acceptance (WRLD), the current LT-Debt-to-Total-Asset is 0.63 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is World Acceptance (WRLD) Overvalued in 2026?

Based on GuruFocus' analysis, World Acceptance stock appears to be overvalued. The current stock price of $219.70 is trading 37.5% above its estimated GF Value™ of $159.82. GuruFocus considers World Acceptance to be Significantly Overvalued.

Key valuation signals for WRLD:

LT-Debt-to-Total-Asset: 0.63
GF Value™: $159.82 vs. price of $219.70 (37.5% above fair value)
GF Score™: 63/100 with 6 warning signs

No single metric tells the full story. See the WRLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

World Acceptance Business Description

Industry Financial Services Credit Services

Comparable Companies JCAP LU FINV NAVI OPFI GDOT PRAA HTT RM LPRO V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Address 104 S Main Street, Greenville, SC, USA, 29601

Website https://www.loansbyworld.com

World Acceptance Corp operates a small-loan consumer finance (installment loan) business. It offers short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. The Company generally serves individuals with limited access to other sources of consumer credit such as banks, credit unions, other consumer finance businesses and credit card lenders. The Company also offers income tax return preparation services to its loan customers and other individuals. The traditional installment loan industry is a fragmented segment of the consumer lending industry. The Company has one reportable segment: the consumer finance segment.

63GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$219.70

Price

$159.82

GF Value

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