Oppfi vs World Acceptance
World Acceptance is the larger business, with $585m of revenue in fiscal 2026 against $381m for Oppfi (1.5 times as much). Oppfi grew faster (18.6% against 3.7%). Oppfi kept more of each dollar of sales as profit: a net margin of 6.9% against 5.9%. Oppfi carries less debt relative to equity (0.0% against 167.3%).
| Latest fiscal year | OppfiOPFI, 2025 | World AcceptanceWRLD, 2026 |
|---|---|---|
| Revenue | $381m | $585m |
| Revenue growth | 18.6% | 3.7% |
| Net income | $26.3m | $34.6m |
| Operating margin | 43.7% | — |
| Net margin | 6.9% | 5.9% |
| Return on equity | 57.7% | 8.8% |
| Free cash flow | $382m | $255m |
| Cash | $49.5m | $6.1m |
| Total debt | $0 | $587m |
| Debt to equity | 0.0% | 167.3% |
| Dividend per share | $0.25 | — |
| Dividend yield | — | — |
| Share buybacks | $15.5m | $132m |
| Employees | 410 | — |
| Market value | $498m | $779m |
| Price vs our value range | — | — |
| Moat score | 47 (Moderate) | 62 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 27 sales |