WRLD Stock Cash Flow Statements

World Acceptance Quarterly Cash Flow Statements Chart

Quarterly

Annual

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Free Cash Flow

Capital Expenditure

World Acceptance Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2003-06-30

cash flow from operating activities:
net income	44,277,517	13,388,296	22,128,158	9,947,427	35,059,242	16,664,818	16,082,419	9,538,748	25,641,873	5,758,974	-1,365,964	-8,802,893	18,382,185	7,326,732	12,440,092	15,770,828	44,883,953	14,490,606	13,398,620	15,509,649	21,153,146	-5,824,068	4,220,001	8,608,399	37,940,621	6,260,162	14,537,645	-21,503,294	29,142,770	1,680,217	9,799,345	13,067,686	31,850,842	9,640,033	15,491,465	16,617,954	29,825,729	14,751,374	19,186,403	23,632,051	48,514,783	18,489,998	21,273,342	22,555,335	38,977,057	22,953,905	21,565,269	23,111,701	20,673,991	22,901,449	22,614,998	37,626,586	19,581,835	23,303,924	20,182,098	34,236,177	18,064,061	20,234,230	18,714,712	29,663,165	14,635,072	27,984,169	10,004,302	10,663,259	12,051,740	24,391,699	7,288,074	10,465,377	10,851,008	9,860,685	9,986,820	18,087,298	5,686,175	7,429,038	7,312,489	28,489,060	-1,405,204	-359,801	7,265,651	24,160,986	-1,496,844	489,489	5,611,491
adjustments to reconcile net income to net cash from operating activities:
amortization of intangible assets	906,905	938,026	959,072	1,005,750	1,037,041	1,050,926	1,062,563	1,069,316	1,113,841	1,114,540	1,106,050	1,132,104	1,274,162	1,275,784	1,245,545	1,214,784	1,428,744	1,377,250	1,286,118	1,382,128	1,407,098	1,390,934	1,257,953	954,641	616,438	372,270	275,496	263,452	258,117	271,013	275,447	185,822	107,179	108,470	164,132	110,055	121,527	131,197	135,734	140,289	156,656	176,241	188,416	201,758	235,513	244,940	265,665	311,502	329,196	339,040	368,680	416,331	414,913	434,208	432,789	452,783	479,839	510,186	506,636	546,876	564,770	609,970	621,355	623,200	600,347	630,627	621,844	638,307	614,687	742,188	793,729		708,639	729,947	685,965	1,934,649	17,416	1,889	631,313	1,694,283	3,880	11,114	555,342
accrued unearned interest	5,691,122	-2,453,044	-759,683	-1,225,006	3,093,259	-2,364,089	-981,209	-879,946	5,467,494	952,098	3,236,625	-6,442,480
gain on extinguishment of senior unsecured notes payable	177,276	47,108	-365,273	-841,902	-469,383	-540,805	-185,891	-435,885
amortization of deferred loan costs												4,404,042
amortization of debt issuance costs	298,825	318,656	333,128	347,904	348,211	343,197	510,584	484,571	484,876	424,230	363,580	382,230	396,658	396,671	156,575	145,421	169,710	174,567	170,844	144,171	128,054	128,053	128,054	133,338	135,981	135,980	111,667	208,921	208,921	208,922	208,921	238,963	371,786	371,786	582,426	703,721	1,060,470
amortization of discount on loans acquired in an asset purchase	-216,734
benefit from credit losses	33,024,372	44,103,495	46,668,521	45,419,007	29,276,148	40,631,994	40,463,066	46,602,012	45,412,131			85,822,267	57,439,471	56,458,533	42,043,526	30,265,811	5,636,244	28,857,443	26,090,367	25,660,660
depreciation	1,525,669	1,552,121	1,604,128	1,643,118	1,731,388	1,707,107	1,655,547	1,574,515	1,590,989	1,632,244	1,505,434	1,510,599	1,225,887	1,671,682	905,675	2,449,931	-349,326	3,817,395	1,760,900	1,716,612	1,879,449	1,769,450	1,699,992	1,799,075	1,592,603	1,718,885	1,463,551	1,833,309	1,868,211	1,862,399	1,817,594	1,791,453	1,752,033	1,738,693	1,686,792	1,741,007	1,684,577	1,562,162	1,605,542	1,651,280	1,645,516	1,646,973	1,622,907	1,623,242	1,574,001	1,534,834	1,575,393	1,598,027	1,599,860	1,558,009	1,525,912	1,720,268	1,562,767	1,610,298	1,600,484	1,729,482	1,515,991	1,463,179	1,464,095	1,590,358	1,343,831	2,233,604	351,752	1,145,355	1,053,303	1,094,003	954,425	870,460	841,573	714,113	648,246		570,409	559,106	536,228	1,563,723	15,801	26,624	467,785	1,341,980	-3,310	13,735	404,806
amortization of finance leases									0	0	102,274	102,278
gain on asset acquisitions, net of income tax
gain on sale of property and equipment	17,924	-89,047	34,008	-22,972	38,521	-33,536	-50,332	-11,753			99,514	-129,476						-187,396	0	34,058	445,962	-4,929	-32,405	-69,369					-13,647							39,885	37,140	-3,143
deferred income tax expense	-1,323,792			-1,482,294	6,062,812								-4,993,304	-560,139										-2,072,950				413,750	6,544,199																											1,526,577	-2,711,280
stock-based compensation (reversal) related to equity classified awards	-1,125,537	449,265	-17,948,851	-1,063,845	713,110
gain on company-owned life insurance
change in accounts:
other assets	-3,939,453	4,377,231	4,305,167	-3,675,104	-3,996,420	1,910,668	1,188,706	2,114,620	-885,384	-684,125	1,854,397	-9,432,040	864,799	-3,170,536	4,111,427	-9,999,219	-3,232,747	-3,288,951	-852,839	2,545,580	-4,789,259	-7,517,854	335,425	3,369,042	-1,560,360	3,860,158	-8,546,242	739,376	714,355	-1,748,425	-2,403,938	2,579,191	-1,053,283	-992,716	1,183,027	1,355,205	-432,809	-269,806	2,773,135	-147,324	-743,679	925,195	-748,512	-493,041	332,332	-945,567	-484,239	737,003	-1,522,870	277,956	-570,722	-386,561	-1,266,589	-642,773	1,805,218	5,460,428	-2,555,761	-1,237,019	-650,449	-1,228,297	-213,213	2,449,809	-2,882,633	-479,487	550,816	-1,766,536	690,239	527,474	-585,933	-1,609,139	-157,470		181,442	-1,035,687	1,273,342	-1,406,651	-780,485	1,099,638	-1,157,664	1,220,005	-892,616	-355,009	509,613
income taxes payable and receivable
accounts payable and accrued expenses	783,555	-2,598,821	-6,146,758	-4,133,254	8,629,707	-4,804,239	3,958,091	-4,670,611	1,758,796	-5,709,978	1,585,388	-5,116,425	6,975,167	-1,605,554	4,445,206	7,187,031	711,033	1,418,090	-15,121,113	-5,266,403	15,895,453	1,013,989	8,335,752	-5,327,765	4,777,087	4,400,608	-266,648	-3,033,131	5,154,410	1,272,352	3,420,033	-1,272,161	1,616,970	1,290,840	2,184,619	-5,996,755	3,610,340	1,936,352	-2,184,782	-2,850,047	1,090,776	-1,492,593	2,653,876	-1,210,718	-994,687	3,523,478	-312,667	-3,183,373	4,443,778	-296,374	-2,688,640	2,576,481	2,331,036	1,026,401	-3,494,524	-6,229,428	5,533,970	886,186	-1,321,166	605,873	-320,117	-1,165,162	4,831,762	364,552	-2,074,232	73,466	4,016,595	-712,995	-2,681,661	1,992,495	-3,796,166		1,254,154	412,943	-9,095,522	16,035,194	-12,758,316	7,322,095	-2,301,707	1,774,274	3,424,966	-1,787,875	-1,134,624
net cash from operating activities	90,957,261	61,100,146	53,695,268	48,410,927	83,813,421	58,883,997	63,359,749	59,726,199	85,680,258	69,215,865	78,480,168	58,177,495	110,426,509	60,461,738	61,063,092	49,527,222	68,592,498	51,052,509	28,075,016	51,839,284	86,841,629	52,390,851	60,012,052	58,164,704	80,510,000	68,890,926	39,809,581	55,453,764	72,452,958	51,598,759	43,885,814	50,088,937	63,372,875	53,256,295	47,012,009	55,721,568	65,627,608	56,152,122	40,620,052	43,670,577	68,805,675	55,904,306	50,428,441	66,790,859	70,963,857	68,989,868	50,554,510	55,455,349	61,776,772	46,161,189	48,033,568	69,103,139	52,394,574	47,188,688	50,714,901	61,500,259	59,798,495	36,241,842	42,295,274	58,300,135	36,984,998	55,493,992	44,511,030	25,353,870	28,555,197	52,388,282	39,253,283	23,870,222	20,510,823	22,846,025	16,939,730		27,749,793	21,463,465	14,685,359	76,209,842	-12,426,217	7,711,667	16,566,085	53,907,185	2,786,271	-1,050,656	14,733,543
capex	-869,347	-685,628	-1,045,168	-1,083,641	-1,513,303	-1,220,538	-1,540,708	-1,658,199	-1,309,964	-1,385,776	-1,778,898	-1,353,135	-1,589,508	-1,098,425	-2,466,899	-915,582	-2,698,268	-4,225,580	-2,383,138	-2,376,871	-3,240,591	-2,904,202	-3,048,270	-2,084,717	-2,831,133	-2,364,024	-2,342,496	-2,267,431	-2,362,173	-2,837,058	-1,956,337	-2,015,900	-1,935,943	-1,699,552	-1,787,375	-1,390,712	-3,766,848	-1,720,324	-1,545,549	-1,622,083	-2,027,093	-2,243,399	-1,959,189	-2,399,788	-1,951,397	-2,008,426	-1,922,474	-1,501,762	-1,415,788	-1,908,559	-2,031,308	-2,103,428	-1,277,354	-1,615,743	-1,859,163	-1,586,976	-1,413,266	-1,772,426	-1,621,619	-1,469,804	-1,366,054	-2,428,293	-955,890	-4,007,839	-2,470,838	0	0	0	-1,984,927	0	0		0	0	0	0	0	0	0	0	0	0	0
free cash flows	90,087,914	60,414,518	52,650,100	47,327,286	82,300,118	57,663,459	61,819,041	58,068,000	84,370,294	67,830,089	76,701,270	56,824,360	108,837,001	59,363,313	58,596,193	48,611,640	65,894,230	46,826,929	25,691,878	49,462,413	83,601,038	49,486,649	56,963,782	56,079,987	77,678,867	66,526,902	37,467,085	53,186,333	70,090,785	48,761,701	41,929,477	48,073,037	61,436,932	51,556,743	45,224,634	54,330,856	61,860,760	54,431,798	39,074,503	42,048,494	66,778,582	53,660,907	48,469,252	64,391,071	69,012,460	66,981,442	48,632,036	53,953,587	60,360,984	44,252,630	46,002,260	66,999,711	51,117,220	45,572,945	48,855,738	59,913,283	58,385,229	34,469,416	40,673,655	56,830,331	35,618,944	53,065,699	43,555,140	21,346,031	26,084,359	52,388,282	39,253,283	23,870,222	18,525,896	22,846,025	16,939,730		27,749,793	21,463,465	14,685,359	76,209,842	-12,426,217	7,711,667	16,566,085	53,907,185	2,786,271	-1,050,656	14,733,543
cash flows from investing activities:
increase in loans receivable	48,818,804	-87,315,120	-57,226,656	-34,946,897	25,621,895	-68,860,246	-34,549,987	-49,788,091	37,357,939	-40,074,836	-35,859,594	-113,577,559	-20,468,456	-185,706,506	-140,172,424	-98,996,207	77,558,371				61,000,879	-114,449,762	-60,477,911	-69,555,473	49,000,070	-107,661,821	-68,260,564	-64,053,964	58,764,468	-98,538,899	-51,819,428	-51,779,690	61,391,556	-84,708,586	-39,280,395	-42,167,594	66,457,347	-69,284,186	-41,335,264	-49,818,408	75,539,369	-84,660,808	-47,387,481	-60,412,755	72,910,858	-108,130,244	-56,688,988	-65,241,490	-100,656,456	-64,997,040	-58,606,219	43,535,661	-101,165,415	-50,396,038	-59,198,770	40,773,150	-95,877,032	-51,376,982	-54,794,621	27,450,001	-51,991,756	22,332,669	-75,363,945	-43,400,151	-32,158,828				-35,886,826
cash paid for acquisitions, primarily loans	0	-18,891,000							-816,856	0	-2,614,058	-19,700,844
purchases of property and equipment	-869,347	-685,628	-1,045,168	-1,083,641	-1,513,303	-1,220,538	-1,540,708	-1,658,199	-1,309,964	-1,385,776	-1,778,898	-1,353,135	-1,589,508	-1,098,425	-2,466,899	-915,582	-2,698,268	-4,225,580	-2,383,138	-2,376,871	-3,240,591	-2,904,202	-3,048,270	-2,084,717	-2,831,133	-2,364,024	-2,342,496	-2,267,431	-2,362,173	-2,837,058	-1,956,337	-2,015,900	-1,935,943	-1,699,552	-1,787,375	-1,390,712	-3,766,848	-1,720,324	-1,545,549	-1,622,083	-2,027,093	-2,243,399	-1,959,189	-2,399,788	-1,951,397	-2,008,426	-1,922,474	-1,501,762	-1,415,788	-1,908,559	-2,031,308	-2,103,428	-1,277,354	-1,615,743	-1,859,163	-1,586,976	-1,413,266	-1,772,426	-1,621,619	-1,469,804	-1,366,054	-2,428,293	-955,890	-4,007,839	-2,470,838				-1,984,927
proceeds from sale of property and equipment									179,989	65,865	0	283,927	59,790	33,045	94,000	59,100	124,218	-2,724,500	2,928,710	18,515	131,428	397	71,449	81,595	209,066	98,709	65,331	93,700	117,007	83,693	39,090	70,752	79,891	140,825	409,054	172,027	78,578	125,671	616,588	69,109
net cash from investing activities	48,060,648	-106,775,306	-58,167,089	-35,868,956	22,171,777	-70,033,758	-35,995,000	-51,280,837	35,411,108	-41,394,747	-40,252,550	-134,347,611	-22,001,091	-186,768,969	-152,140,773	-100,012,328	76,054,570	-142,247,725	-54,177,486	65,173,099	52,735,801	-112,182,982	-84,761,499	-111,822,470	41,416,726	-137,095,774	-45,059,096	-66,227,695	49,652,023	-101,636,703	-61,268,543	-56,555,425	38,698,806	-86,267,313	-40,658,716	-43,386,279	63,026,606	-70,148,476	-45,351,652	-49,419,257	92,537,486	-87,628,234	-49,947,250	-63,212,838	70,959,462	-110,201,156	-58,713,635	-67,634,579	-102,353,909	-68,051,629	-60,897,822	40,239,980	-103,322,017	-52,443,850	-62,806,973	39,090,740	-98,249,727	-54,980,203	-57,254,977	23,252,834	-53,869,487	19,270,870	-77,445,251	-49,190,839	-41,914,942	25,993,159	-86,198,739	-37,528,315	-41,040,966	-30,968,397	-31,329,516		-65,237,636				-12,817,199				-34,429,750
cash flow from financing activities:
borrowings from senior notes payable	119,212,534	123,484,586	79,762,495	94,138,260	90,634,342	91,339,659	58,197,739	65,529,224	62,431,247	69,005,605	54,505,392	127,920,704	108,098,706	167,968,287	130,456,165	108,792,088	27,407,500	138,900,000	111,971,250	32,705,500	67,400,000	115,100,000	225,550,000	132,641,400	117,650,000	116,450,000	74,800,000	55,390,000	58,200,000	103,100,000	72,320,000	61,343,800	70,850,000	79,750,000	68,426,200	55,875,000	57,600,000	81,450,000
payments on senior notes payable	-192,710,079	-53,165,459	-55,860,347	-75,829,647	-172,304,690	-62,806,082	-81,417,867	-73,664,017	-181,010,628	-93,414,242	-85,000,000	-43,500,000	-136,300,000	-18,500,000	-322,450,000	-46,100,000	-162,000,000	-24,200,000	-39,276,750	-131,600,000	-200,031,400	-50,200,000	-33,108,600	-58,191,400	-173,750,000	-38,600,000	-84,450,000	-60,450,000	-190,150,000	-47,000,000	-52,120,000	-55,930,000	-173,650,000	-42,400,000	-68,200,000	-70,200,000	-194,850,000	-59,100,000
payments for extinguished senior unsecured notes payable	-39,842,604	-15,640,750	-11,545,000	-20,962,500	-7,064,442	-4,149,342	-1,294,375	-1,535,000
debt issuance costs associated with senior unsecured notes payable									85,000	0				-5,823
payments for debt extinguishment costs	0	0	0	-12,500	-7,500	-11,875	-3,750	-5,000
debt issuance costs associated with senior notes payable	-6,254	0	-29,364	-2,364	-116,000	-65,716			-23,872	-685,000	-190,500	-239,636					-407,500	0	-171,250	-205,500	0	0	0	-991,400	0	0	0	-240,000	0	0	0	-420,000	0	0			0
proceeds from exercise of stock options	477,111	424,420	770,634	686,382	849,562	948,442	360,676	709,294	168,548	82,825	0	403,547	1,089,926	3,033,142	6,873,724	1,808,854	10,012,730	1,248,999			22,952	935,877	977,524	2,676,573	3,182,349	1,000,193	386,468	1,428,938	16,587,191	1,971,294	1,430,160	5,334,886	49,711	765,661	178,276	166,857	477,002	432,369	1	2,339,313	4,000,766	2,292,981	169,726	77,374	4,088,761	5,254,450	425,007	1,026,671	3,764,476	1,510,852	1,844,843	1,127,351	6,390,049	597,395	1,473,365	6,452,729	3,964,219	1,007,338	458,346	4,345,355	50,594	279,816	47,110	179,503	1,147,932	361,687	701,978	173,421	377,254	322,535	2,086,543		613,438	683,658	363,029	2,913,028	-391,505	2,130,025	58,509	5,851,605	-68,401	663,950	1,552,699
payments for taxes related to net share settlement of equity awards	0	-2,544,811	0	-131,242	0				0				0	-4,922,017	-12,724	-137,489	0	-2,889,656	-164,214	-119,865	0	-4,229,509	-8,482	-238,168	-45,883				-559,658
repurchase of common stock	-32,000,874	-1,046,036	-9,999,972	-11,148,682	-18,912,534				-1	0	0	-14,314,088	-60,679,131	-19,347,607	-10,029,661	-21,082,862	-13,604,006	-26,161,371	-43,235,638	-19,451,287	-7,389,052	0	-168,195,335	-21,815,577	-70,759,554				0	0	0	-4,614,331	0								-51,917,700	0	-13,504,026	-49,902,371	-68,541,124	-56,936,967	-27,323,823	-37,734,861	-65,879,715	-13,409,391	-61,731,794	-65,816,092	-921,328	-26,226,744	-46,835,817	-17,401,375	-1,940,063	-2,451,878	-31,549,200											0	-1,922,816				-6,885,384				-7,310,479
repayment of finance lease									0	0	-45,924	-34,143	-66,238	-137,327	-147,102	-154,619
net cash from financing activities	-144,870,166	51,511,950	3,098,446	-13,262,293	-106,921,262	5,139,315	-24,567,577	-8,965,499	-125,544,256	-27,553,813	-30,835,688	70,236,384	-87,856,735	128,088,655	99,576,576	43,125,972	-138,591,276	86,897,972	30,130,223	-118,671,152	-139,997,500	61,606,368	25,215,107	54,081,428	-123,723,088	73,740,932	-9,263,532	-3,871,062	-115,922,467	57,113,595	21,630,160	5,714,355	-102,801,176	33,011,270	-31,348	-14,329,212	-136,782,582	22,634,176	635,001	-15,124,528	-138,329,033	34,699,535	-1,678,348	-7,173,128	-141,478,951	46,148,284	11,332,855	12,169,547	45,148,299	21,546,197	15,117,541	-113,196,597	52,235,633	8,987,000	13,834,173	-105,500,672	42,463,868	21,213,635	15,850,814	-89,113,793	17,670,053	-75,323,206	32,002,803	23,808,527	13,868,695	-78,519,956	48,810,067	12,134,289	22,138,394	9,826,359	15,253,013		38,413,438	8,927,568	9,827,645	-39,519,491	22,590,495	-6,691,496	8,448,030	-28,848,395	32,431,599	-4,836,050	1,752,699
net change in cash and cash equivalents	-5,852,257	5,836,790	-1,373,375	-720,322	-936,064	-6,010,446	2,797,172	-520,137	-4,452,890	267,305	7,391,930	-5,933,732	568,683	1,781,424	8,498,895	-7,359,134	6,055,792	-4,297,244	4,027,753	-1,658,769	-420,070	1,814,237	465,660	423,662	-1,796,362	5,536,084	-11,080,196	-15,410,397	7,114,940	6,191,087	4,237,766	-657,899	-785,249	-269,629	6,131,513	-2,253,249	-8,565,376	8,384,450	-4,652,820	-21,128,165	21,561,399	2,145,920
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
supplemental disclosures:
interest paid during the year
amortization of deferred loan cost		3,602,690	3,507,644	3,351,475		3,672,525	3,415,116	3,198,092		4,179,658
income taxes receivable		-2,419,536	-817,911	-859,377
proceeds from the sale of property and equipment		116,442	161,029	161,582		47,026	95,695	165,453
cash and cash equivalents at beginning of period		0	0	11,839,460		0	0	16,508,935		0	0	19,236,322		0	0	15,746,454		0	0	11,618,922										0	0	15,200,410		0	0	12,377,024		0	0	38,338,935		0	0	19,569,683		0	0	11,625,365	0	0	10,768,176	0	0	0	8,030,580	0	0	0	5,445,168		6,260,410		0	0	7,589,575				5,779,032
cash and cash equivalents at end of period		5,836,790	-1,373,375	11,119,138		-6,010,446	2,797,172	15,988,798		267,305	7,391,930	13,302,590		1,781,424	8,498,895	8,387,320		-4,297,244	4,027,753	9,960,153		1,814,237	465,660	9,759,095		5,536,084	-11,080,196	16,675,907		6,191,087	4,237,766	14,542,511		-269,629	6,131,513	10,123,775		8,384,450	-4,652,820	17,210,770		2,145,920	-1,413,135	16,044,751		4,898,521	3,089,823	11,399,410	4,469,988	-170,921	12,875,286	-3,497,347	1,204,620	3,259,079	9,801,824	-4,832,938	4,038,236	2,541,726	6,283,556		7,139,948		-931,418	-28,442	8,098,525				7,387,283
interest paid during the period		15,008,302	6,212,634	15,255,371		16,707,523	7,225,095	17,301,329				17,698,537		4,768,287	5,956,165	5,295,753		6,440,421	5,237,260	6,046,067		6,788,427	5,349,257	3,953,803		3,987,139	3,982,146	3,896,463		4,470,035	4,255,128	3,883,860		4,628,660	4,800,324	4,944,649		6,242,201	6,127,265	5,164,502	5,735,810
income taxes paid during the period		625,000	1,625,000	954,509		555,000	4,705,000	2,466,889				4,007,869		7,680,000	11,475,000	7,729,025		3,370,000	8,065,355	666,505		4,451,862	11,466,686	6,216,505		4,715,000	10,970,093	1,291,884		12,682,393	16,123,444	6,375,281		5,925,844	20,246,002	1,501,419		10,462,077	27,699,794	13,803,056	11,904,284
excise tax on stock repurchases not paid during the period
deferred income tax benefit							1,414,192	-1,549,589		4,913,771	-1,883,873	-6,695,391				-3,789,722		2,918,095	-1,293,376	2,512,174		1,353,998				-889,350					-6,689,546	-985,424	5,631,399	-2,067,975	-2,850,114	-1,607,396	3,625,687	-2,593,832	-1,522,683	-294,549	4,842,993	-5,063,892	-2,678,819	-931,699	5,939,155	-2,832,686	-5,990,872	-1,213,790	-2,643,219	-6,752,714	-377,856				-232,155
non-cash excise tax on stock repurchases			97,383	106,088
loss on assets held for sale													0	0
amortization of historic tax credits										1,523,533
proceeds from the sale of assets held for sale
issuance of senior unsecured notes payable													0	0
income taxes payable						-3,663,640					-5,127,388	-752,189		-6,666,794	-4,148,858	831,167		-3,870,097	-2,825,244	2,582,959		-1,469,002	-11,195,934	1,167,013	750,091	-2,765,077	-4,092,705	3,560,469	9,180,641	-6,704,044	-2,910,677	2,449,633	1,384,625	931,047	-8,228,486	10,190,089	3,629,996	3,051,493	-17,209,796	582,763	11,964,278	-1,669,506	-12,289,527	10,489,634	2,937,649	505,241	-8,917,968	1,054,731	-1,398,974	-6,227,333	1,264,141	6,008,076	-5,190,810	-7,127,765	4,735,233	4,984,934	5,145,046	-13,144,165	2,067,111	8,420,128	1,218,478	11,148,081	-223,825	-11,422,734	-6,377,521	14,535,715	1,898,453	-7,477,855	-3,982,585	-3,321,055	-2,402,243			236,899	4,407,754				3,002,220				813,456
finance lease right-of-use assets, net transferred to property and equipment
stock-based compensation (reversal) related to stock option and restricted stock plans, net of cancellations
compensation related to stock option and restricted stock plans, net of taxes and adjustments								1,412,698	1,670,522	-254,323	3,820,578	3,816,058	4,825,184	4,308,673	4,265,048	4,184,090	4,772,575	4,898,460	5,026,643	4,583,600	6,018,874	6,330,810	8,290,268	8,312,209	7,730,206	6,927,117	1,502,969	1,475,017	1,986,787	1,035,487	1,280,268	1,132,077	904,721	2,499,689	852,762	553,526	-1,691,065	2,071,010
income taxes payable/ receivable								1,279,411
gain on asset acquisition, net of income tax									-284,824	0
loss on sale of property and equipment									-9,424						47,927	289,254										-73,713	34,179	89,673			112,395	61,639
gain on sale of loans receivable
proceeds from the sale of loans receivable
proceeds from company-owned life insurance
income taxes paid during the year
proceeds from sale of assets held for sale														0
benefit from loan losses																					32,251,605	55,219,470	52,968,036	41,291,071	28,533,377	48,943,886	38,549,637	32,399,678	17,408,194	43,754,905	38,975,972	30,840,058	20,702,303	39,984,838	35,870,744	32,014,277	24,372,771	35,440,402	37,557,136	26,228,009	13,483,119	38,292,746	36,160,732	30,893,266	18,568,618	41,115,932	38,187,649	28,703,193	37,394,633	32,401,664	23,614,890	16,700,025	36,109,128	30,057,269	22,839,114	16,973,099	31,961,952	27,275,104	19,698,208	15,081,855	20,428,263	14,821,714	29,490,333	23,307,132	17,856,913	11,685,635	23,223,929	18,415,731	14,216,510	13,812,779	11,167,468	6,628,659	16,726,019	13,131,219	9,540,103	26,305,753	2,448,915	2,654,521	8,627,408	22,404,667	1,748,693	1,398,730	7,929,357
amortization of investment in historic tax credits												1,523,533		995,278	977,846	977,846		434,096
gain on acquisition, net of income tax												-3,144,722
net assets acquired from business combinations and asset acquisitions, primarily loans
increase in intangible assets from acquisitions													-2,917	2,917	-1,212,103	-16,769	-80,100	-3,333,089	-164,737	-985,354	-1,160,517	1,254,033	-5,080,111	-9,468,683	-1,271,916	-6,200,247			-110,433	-81,748	-1,274,239	-521,342					0	0			-90,480	-216,732	-93,265	-62,868	1	-5,000	-23,237	-253,200	-63,131	-339,105	-21,956	-228,619	-253,579	-62,064	-324,927	-37,393	-195,077	-366,279	-147,917	-654,610	-91,130	-81,432	-407,203	-280,178	-904,554				-1,340,306
loan costs associated with senior unsecured notes payable
net assets acquired from acquisitions, primarily loans														0	-9,488,242	-142,870
loss on sale of discontinued operations																									0	0
gain on sale of finance receivables																	-39
proceeds from the sale of finance receivables
proceeds from sale of discontinued operations
excess tax expense from exercise of stock options
effects of foreign currency fluctuations on cash and cash equivalents																									0	0	3,432,851	-765,404
cash and cash equivalents at beginning of year from continuing operations
cash and cash equivalents at beginning of year from discontinued operations
loss on sale of assets held for sale
proceeds from sale of finance receivables
decrease (increase) in loans receivable																			-53,548,032	73,293,367
net assets acquired from branch acquisitions, primarily loans																			-1,010,289	-4,776,558		3,916,552	-16,226,656	-30,795,192	-3,689,361	-20,968,391			-6,756,846	-262,691	-6,257,629	-2,309,245					0	0
amortization of historical tax credits																				434,096
cash and cash equivalents at end of year from continuing operations
cash and cash equivalents at end of year from discontinued operations
proceeds from sale of mexico business																										0
cash and cash equivalents at beginning of period from continuing operations																						0	0	9,335,433		0
cash and cash equivalents at beginning of period from discontinued operations																										0
cash and cash equivalents at end of period from continuing operations																						1,814,237	465,660	9,759,095		5,536,084
cash and cash equivalents at end of period from discontinued operations
impairment of assets held for sale																												39,006,544
cash and cash equivalents at beginning of period, excluding held for sale																												12,473,833
cash and cash equivalents held for sale at beginning of period																												19,612,471
cash and cash equivalents held for sale at end of period																												6,413,006
cash and cash equivalents at end of period, excluding held for sale																												10,262,901
gain on sale of finance receivables, net of buybacks																																					-216,755	-669,859
proceeds from sale of loan receivable, net of buybacks
excess tax benefit (expense) from exercise of stock options
effects of exchange-rate changes on cash and cash equivalents																														-884,564	-9,665	94,234		-269,881	-190,432	-259,326		-253,372	-556,221	-254,957		-829,687
(gain) loss on sale of property and equipment
gain on sale of loans receivable, net of buybacks
proceeds from sale of loans receivable, net of buybacks
excess tax benefit from exercise of stock options																																		-108,582	-234,624	-171,069																1,157,144	451,912			846,573	689,712	345,675	41,668		19,459		-4,746	188,227	520,763		226,065	206,497	137,051
proceeds from sales of loans receivable, net of buybacks
excess tax benefits from exercise of stock options																																						-148,193	0	236,159		494,054	55,952	51,869		1,430,801	331,671	177,737	1,163,538	444,736	654,492				296,625
amortization of loan costs and discounts																																							744,772	219,582	114,544	108,926	97,688	97,689	77,786	67,835	104,695	123,125	-24,625	0	431,437	31,581	31,581	124,229	124,233	124,233	124,233	100,777	92,652	93,595	113,889	175,529	187,871	190,815	190,816	190,816	190,815	190,815	190,816				0	0	25,000	20,442			31,079	118,666	1,502	-7,384	44,102
proceeds (payments) from sales of loan receivable, net of buybacks
loan cost associated with senior notes payable
compensation related to stock option and restricted stock plans, net of taxes																																								-3,696,045				3,565,393		2,821,956	4,561,585	4,213,230
net gain on sale of loans receivable																																								-1,795,432
proceeds from sales of loan receivable																																								1,952,125
borrowings from senior note payable																																								72,200,000		86,187,500	80,034,100	92,300,000		150,200,000	91,590,000	104,350,000
payments on senior note payable																																								-84,400,000		-53,937,500	-68,434,100	-49,700,000		-53,800,000	-53,690,000	-55,650,000
loan cost associated with revolving line of credit																																								-5,500,000
compensation related to stock option and restricted stock plans																																																		1,959,492	1,850,728	1,720,597	1,826,790	1,162,162	1,908,278	1,398,913	1,520,853	1,034,647	1,386,294	1,171,935	1,477,216	931,328	1,050,890	1,220,722	1,447,320	1,099,993	1,546,525
change in operating assets and liabilities:
proceeds from sale of loan receivable
payments on junior subordinated note payable
effects of foreign currency fluctuations on cash																																												70,175	-262,439	-38,475	-83,907	-216,272	-101,174	173,322	-146,177	356,131	-103,570	-472,759	29,143	76,735	25,600
net assets acquired from office acquisitions, primarily loans																																										-507,295	-507,315	-337,427	0	-57,486	-78,936	-638,127	-218,534	-806,925	-238,339	-963,634	-625,669	-370,005	-1,424,113	-58,041	-764,352																-3,914,465	-1,555,471	-770,307	-21,303,850	7,828,964	-1,051,031	-7,152,538	-13,588,208	-4,400,131	1,582,035	-2,255,438
increase in cash and cash equivalents																																												-3,595,107	444,368	4,936,996	3,173,730	-9,683	4,571,162	-344,243	2,253,287	-3,853,478	1,308,190	3,731,838	1,742,101	-4,909,673	4,012,636	2,475,274	891,111	-7,560,824	785,564	-558,344	-931,418	-28,442	508,950	-138,515	1,864,611	-1,523,804	1,608,251	1,703,987	863,227
amortization of convertible note discount																																																				0	0	906,154	913,446	939,556	927,815	916,219	904,769	946,802	1,022,119
unrealized gains on interest rate swap																																																				0	-108,975	-110,947	-99,313		-208,224	-346,823	-365,490		-474,963				-830,884
borrowings from lines of credit
payments on lines of credit
repayment of convertible senior subordinated notes
(payments on)/proceeds from junior subordinated note payable																																																	0
repayment of the convertible senior subordinated notes payable
proceeds from senior revolving notes payable																																																		33,000,000	124,350,000		46,315,000	91,450,000	58,900,000		39,750,000
increase in restricted cash
repayment of junior subordinated note payable																																																			-50,000,000
gain on the extinguishment of debt																																																												239,485		-3,436,248
deferred income tax (benefit) expense
(payments on)/proceeds from senior revolving notes payable
proceeds from junior subordinated note payable																																																				0	0			0	0
loan cost associated with junior subordinated note payable																																																								-141,548	0
proceeds from sale of the call option and warrants associated with the convertible notes
deferred income tax benefits																																																					-2,897,102
unrealized (gains) losses on interest rate swap
repayment of other notes payable																																																														0	0	-200,000	-200,000				-200,000	0	-200,000			0	-200,000
cash flows from operating activities:
deferred tax benefit																																																											-202,098										-303,627
gain on extinguishment of debt																																																													-2,361,181
assets acquired from office acquisitions, primarily loans																																																											-690,820		-420,547		-718,213	-1,502,671	-6,380,722				-1,828,907
cash flows from financing activities:
proceeds of senior revolving notes payable																																																											46,900,000		24,350,000		38,650,000	29,800,000	12,400,000				21,950,000
repayment of subordinated convertible notes																																																													-6,750,000
effect of foreign currency fluctuations on cash																																																											-52,723		93,974
deferred tax expense																																																													-449,166				4,086,579
unrealized (gain) loss on interest rate swap
proceeds (repayment) of senior notes payable
tax benefit from exercise of stock options																																																																						234,815	1,639,941
repayment of convertible senior subordinated notes payable
repurchases of common stock																																																															-1,689,561				0
effect of foreign currency fluctuation on cash
loss on interest rate swap
net change in bank overdraft																																																																			40,507	583,248	-125,911	-730,991	849,345
proceeds (repayment) of senior revolving notes payable
proceeds from convertible senior subordinated notes
proceeds from sale of warrants associated with convertible notes
loan cost associated with convertible notes
purchase of call options associated with convertible notes
deferred income taxes																																																															-539,825
unrealized losses on interest rate swap
other
gain/loss on interest rate swap
loan cost associated with note convertible
deferred tax assets																																																																			-1,177,616
increase in loans																																																																			-83,244,166			-26,849,110	-29,183,574		-59,642,652	-26,843,689	-21,376,721		-22,406,822	5,174,789	-17,739,006		-29,608,199	2,597,877	-13,046,568
tangible assets acquired from office acquisitions,
primarily loans																																																																							-863,913
purchases of premises and equipment																																																																			-1,846,829			-2,259,714	-1,122,375				-935,673				-507,915				-445,583
purchases of intangible assets in office acquisitions																																																																			-244,049
proceeds from senior notes payable																																																																			48,050,000			10,000,000	12,800,000				16,550,000				17,900,000				1,000,000
repayments of other notes payable																																																																			0
purchase of call option associated with convertible notes
cash and cash equivalents beginning of period																																																																			0			0	4,033,888
cash and cash equivalents end of period																																																																			1,864,611			1,703,987	4,897,115
supplemental disclosure of cash flow information:
cash paid for interest																																																																			2,107,612			2,374,657	1,799,698				1,303,644				920,476
cash paid for income taxes																																																																			6,002,197			9,128,371	6,697,748		1,256,498	4,115,593	39,754		-4,040,272	3,840,478	3,196,850		-4,262,093	4,908,384	2,275,544
tangible assets acquired from office acquisitions, primarily loans
adjustments to reconcile net income to net cash provided
by operating activities:
compensation related to stock option and restricted stock
option plans																																																																					1,350,035
net cash used by investing activities																																																																											-23,506,917				-26,536,315				-16,146,195
repayment of subordinated notes payable
purchases of intangible assets																																																																						-379,383	-159,654		-975,025	-750,000	-424,216		1,911,053	-961,070	-1,136,856		255,909	-29,916	-398,606
adjustments to reconcile net income
to net cash from operating activities:
compensation related to stock option and
restricted stock plans																																																																							699,346
net assets acquired from office acquisitions,
statement of operations data:
interest and fee income
insurance commissions and other income
total revenues
general and administrative expenses
interest expense
total expenses
income before income taxes
income taxes
net income per common share
diluted weighted-average shares
balance sheet data
loans receivable, net of unearned and deferred fees
allowance for loan losses
loans receivable
total assets
total debt
shareholders' equity
other operating data:
as a percentage of average loans receivable:
net charge-offs
number of offices open at year-end
average gross loans receivable
average net loans receivable
expenses as a percentage of total revenue:
general and administrative
total interest expense
operating margin
return on average assets
offices opened and acquired
total offices
recency basis:
61-90 days past due
91 days or more past due
total
percentage of period-end gross loans receivable
contractual basis:
renewals
former borrowers
new borrowers
balance at the beginning of the year
loan losses																																																																											-10,756,546				-8,685,779		-336,158	-1,634,184	-7,618,232
recoveries																																																																											1,064,183				1,002,538		-29,243	-9,708	696,946
allowance on acquired loans
balance at the end of the year
allowance as a percentage of loans receivable, net of unearned
and deferred fees
net charge-offs as a percentage of average loans receivable
•
purchase of premises and equipment																																																																									-705,494				-150,394				-677,329
proceeds of senior notes payable																																																																									37,800,000
repayment of senior subordinated notes																																																																															-2,000,000				-2,000,000
common stock repurchases																																																																									0
increase in cash																																																																									925,595	189,960	1,006,087	-1,141,007	-2,652,921	4,048,698	-1,522,200	733,102	788,120	-1,569,848	340,047
cash, beginning of period																																																																									0	0	3,046,677		2,526,498	-1,522,200	4,314,107		-1,229,801	340,047	4,022,686
cash, end of period																																																																									925,595	189,960	4,052,764		-126,423	2,526,498	2,791,907		-441,681	-1,229,801	4,362,733
cash paid for interest expense																																																																									1,826,380				82,819				38,692	-63,013	952,501
supplemental schedule of noncash financing activities:
tax benefits from exercise of stock options																																																																									297,878	423,979	365,503		1,260,088	1,341,425	31,634		133,562	441,720	455,394
unrealized income from hedged transaction
unrealized income from foreign exchange translation adjustment																																																																									3,176
total comprehensive income
balance at end of period																																																																										-20,536,328	20,531,043				18,644,931		2,849,052	805,015	16,247,662
balance at beginning of period																																																																											20,672,740				17,260,750		805,015	1,149,882	15,097,780
purchase accounting acquisitions																																																																											10,563				440,014
deferred taxes
proceeds (repayment) of other notes payable																																																																															-200,000
cash at beginning of year
cash at end of year
proceeds (repayment) from other notes payable
proceeds (repayment) from senior subordinated notes
proceeds from other notes payable
proceeds from other note payable
allowance on acquired loans, net of specific charge-offs																																																																																	660,745	-99,705	141,811
proceeds from senior subordinated notes
proceeds of other notes payable																																																																																			1,200,000
net assets acquired from office acquisition, primarily loans
repayment of term notes

We provide you with 20 years of cash flow statements for World Acceptance stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as operating cash flows, cash levels, capital expenditures, profits, stock-based compensations and profit margins. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of World Acceptance stock. Explore the full financial landscape of World Acceptance stock with our expertly curated income statements.

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