Consumer Portfolio Services vs World Acceptance
World Acceptance is the larger business, with $585m of revenue in fiscal 2026 against $434m for Consumer Portfolio Services (1.3 times as much). Consumer Portfolio Services grew faster (10.4% against 3.7%). World Acceptance kept more of each dollar of sales as profit: a net margin of 5.9% against 4.4%. World Acceptance carries less debt relative to equity (167.3% against 1069.6%).
| Latest fiscal year | Consumer Portfolio ServicesCPSS, 2025 | World AcceptanceWRLD, 2026 |
|---|---|---|
| Revenue | $434m | $585m |
| Revenue growth | 10.4% | 3.7% |
| Net income | $19.3m | $34.6m |
| Operating margin | — | — |
| Net margin | 4.4% | 5.9% |
| Return on equity | 12.5% | 8.8% |
| Free cash flow | $288m | $255m |
| Cash | $6.3m | $6.1m |
| Total debt | $3.31bn | $587m |
| Debt to equity | 1069.6% | 167.3% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $8.7m | $132m |
| Employees | 928 | — |
| Market value | $217m | $779m |
| Price vs our value range | — | — |
| Moat score | 44 (Weak) | 62 (Moderate) |
| Insider trades, 12 months | 0 buys, 8 sales | 0 buys, 27 sales |