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World Acceptance cash flow, quarter by quarter

Latest: Q1 FY27 · from the cash-flow statements filed with the SEC

Free cash flow$63.1M in Q1 FY27 · $261M over twelve months

Operating cash flow$64.4M
Capital spending−$1.3M
Free cash flow+$63.1M
Cash / net income10.5×

Analysis

In Q1 FY27, World Acceptance generated $64.4M of operating cash flow and spent $1.3M on capital projects, leaving free cash flow of $63.1M. That is $6.0M more than in Q1 FY26 ($57.1M).

Over the twelve months to Jun 30, 2026, operating cash flow was $266M; the largest uses were other investing ($210M), other financing ($177M), buybacks ($122M); besides operations, cash came from net borrowing (+) / repaid (−) ($270M), shares issued ($4.5M); the cash balance rose by $19.9M.

Operating cash flow was $64.4M against net income of $6.1M — 10.5× profit, cash ran ahead of reported earnings. The largest differences: deferred taxes +$4.1M, prepaid and other assets +$4.1M, depreciation & amortization +$2.2M.

Free cash flow

World Acceptance: free cash flow by quarterWorld Acceptance: free cash flow by quarter$52.7MQ2 FY25$60.4MQ3 FY25$90.0MQ4 FY25$57.1MQ1 FY26$47.7MQ2 FY26$57.2MQ3 FY26$93.5MQ4 FY26$63.1MQ1 FY27
Operating cash flow less capital spending.
World Acceptance: operating cash flow against capital spendingWorld Acceptance: operating cash flow against capital spendingOperating cash flowCapital spending$53.8M$1.0MQ2 FY25$61.1M$686KQ3 FY25$90.9M$869KQ4 FY25$58.2M$1.0MQ1 FY26$48.6M$918KQ2 FY26$58.0M$808KQ3 FY26$94.6M$1.1MQ4 FY26$64.4M$1.3MQ1 FY27
Latest (Q1 FY27): Operating cash flow $64.4M, Capital spending $1.3M.

Capital allocation, year by year

World Acceptance: where the cash came from (up) and went (down), by fiscal yearWorld Acceptance: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksFY22: Operating cash flow $272MFY22: Net borrowing −$8.5MFY22: Shares issued $12.8MFY22: Asset sales $246KFY22: Capital spending −$6.1MFY22: Acquisitions −$10.9MFY22: Buybacks −$111M$285MFY22FY23: Operating cash flow $292MFY23: Net borrowing −$89.1MFY23: Shares issued $655KFY23: Asset sales $530KFY23: Capital spending −$5.8MFY23: Acquisitions −$23.1MFY23: Buybacks −$14.3M$293MFY23FY24: Operating cash flow $266MFY24: Net borrowing −$98.5MFY24: Shares issued $2.9MFY24: Asset sales $350KFY24: Capital spending −$5.9MFY24: Acquisitions −$2.0MFY24: Buybacks −$36.2M$269MFY24FY25: Operating cash flow $254MFY25: Net borrowing −$49.0MFY25: Shares issued $2.4MFY25: Asset sales $550KFY25: Capital spending −$3.7MFY25: Acquisitions −$18.9MFY25: Buybacks −$54.2M$257MFY25FY26: Operating cash flow $259MFY26: Net borrowing $325MFY26: Shares issued $2.7MFY26: Asset sales $793KFY26: Capital spending −$3.9MFY26: Buybacks −$132M$588MFY26
Over these 5 years operating cash flow totalled $1.3B; the largest uses were buybacks ($348M) and net borrowing ($245M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$10.4M
Debt$573M
Net debt$562M

World Acceptance funds itself: free cash flow was $261M over the last twelve months, and $10.4M of cash and investments stands against $573M of debt.

World Acceptance: debt maturities by year (FY26)World Acceptance: debt maturities by year (FY26)$143MYear 2$444MYear 3
Principal due in each year as disclosed in the annual report, against $10.4M of cash and investments now.

Where the cash came from and went

World Acceptance: sources (+) and uses (−) of cash, Q1 FY27World Acceptance: sources (+) and uses (−) of cash, Q1 FY27Operating cash flow$64.4MOther investing−$47.7MNet borrowing (+) / repaid (−)−$14.4MShares issued$3.3MAcquisitions−$2.3MBuybacks−$2.2MCash drawn (+) / kept (−)$1.4MCapital spending−$1.3MTaxes on employees’ shares−$1.3MAsset & business sales$241KOther financing−$214K
World Acceptance: sources (+) and uses (−) of cash, TTM to Q1 FY27World Acceptance: sources (+) and uses (−) of cash, TTM to Q1 FY27Net borrowing (+) / repaid (−)$270MOperating cash flow$266MOther investing−$210MOther financing−$177MBuybacks−$122MCash drawn (+) / kept (−)−$19.9MTaxes on employees’ shares−$5.7MShares issued$4.5MCapital spending−$4.1MAcquisitions−$2.3MAsset & business sales$553K

From profit to cash

World Acceptance: net income to operating cash flow, Q1 FY27World Acceptance: net income to operating cash flow, Q1 FY27Net income$6.1MDepreciation & amortization$2.2MDeferred taxes$4.1MGains on disposals−$194KPayables$2.1MDeferred revenue−$404KPrepaid and other assets$4.1MOperating cash flow$64.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q1 FY27$64.4M−$1.3M−$2.3M−$2.2M−$14.4M$3.3M$1.4M$63.1M
Q4 FY26$94.6M−$1.1M—−$37.8M−$90.0M$49K$12.8M$93.5M
Q3 FY26$58.0M−$808K—−$15.0M$146M$147K−$27.3M$57.2M
Q2 FY26$48.6M−$918K—−$66.6M$93.6M$976K−$6.8M$47.7M
Q1 FY26$58.2M−$1.0M—−$13.0M$24.7M$1.6M$1.6M$57.1M
Q4 FY25$90.9M−$869K—−$32.0M−$113M$477K$5.9M$90.0M
Q3 FY25$61.1M−$686K−$18.9M−$1.0M$141M$424K−$5.8M$60.4M
Q2 FY25$53.8M−$1.0M—−$10.0M$12.4M$771K$1.4M$52.7M

World Acceptance: income statement and cash flow

World Acceptance, Q2 FY27: revenue $139M (+3% year over year), operating margin 8.4%. The chart follows the revenue to costs, profit and cash.

World Acceptance: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.