Regional Management vs World Acceptance
Regional Management and World Acceptance are similar in size: $646m and $585m of revenue in their latest fiscal years. Regional Management grew faster (9.7% against 3.7%). Regional Management kept more of each dollar of sales as profit: a net margin of 6.9% against 5.9%. World Acceptance carries less debt relative to equity (167.3% against 442.5%).
| Latest fiscal year | Regional ManagementRM, 2025 | World AcceptanceWRLD, 2026 |
|---|---|---|
| Revenue | $646m | $585m |
| Revenue growth | 9.7% | 3.7% |
| Net income | $44.4m | $34.6m |
| Operating margin | — | — |
| Net margin | 6.9% | 5.9% |
| Return on equity | 12.2% | 8.8% |
| Free cash flow | $304m | $255m |
| Cash | $98.0m | $6.1m |
| Total debt | $1.65bn | $587m |
| Debt to equity | 442.5% | 167.3% |
| Dividend per share | $1.20 | — |
| Dividend yield | 3.2% | — |
| Share buybacks | $24.0m | $132m |
| Employees | 2,112 | — |
| Market value | $357m | $779m |
| Price vs our value range | — | — |
| Moat score | 58 (Moderate) | 62 (Moderate) |
| Insider trades, 12 months | 3 buys, 102 sales | 0 buys, 27 sales |