Dave vs World Acceptance
Dave and World Acceptance are similar in size: $554m and $585m of revenue in their latest fiscal years. Dave grew faster (59.7% against 3.7%). Dave kept more of each dollar of sales as profit: a net margin of 35.3% against 5.9%. Dave carries less debt relative to equity (21.3% against 167.3%).
| Latest fiscal year | DaveDAVE, 2025 | World AcceptanceWRLD, 2026 |
|---|---|---|
| Revenue | $554m | $585m |
| Revenue growth | 59.7% | 3.7% |
| Net income | $196m | $34.6m |
| Operating margin | — | — |
| Net margin | 35.3% | 5.9% |
| Return on equity | 73.1% | 8.8% |
| Free cash flow | $290m | $255m |
| Cash | $80.5m | $6.1m |
| Total debt | $75.0m | $587m |
| Debt to equity | 21.3% | 167.3% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $43.7m | $132m |
| Employees | 280 | — |
| Market value | $4.27bn | $779m |
| Price vs our value range | — | — |
| Moat score | 57 (Moderate) | 62 (Moderate) |
| Insider trades, 12 months | 0 buys, 110 sales | 0 buys, 27 sales |