WRLD Stock Analysis: World Acceptance | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 841m USD | 12M Return: 12.2% | US9814191048 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.0M
EPS Trend: -17.2%
Qual. Beats: 1
Rev. Trend: 18.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
World Acceptance Corporation (NASDAQ: WRLD) is a U.S.-based consumer finance company that provides short-term small installment loans, medium-term larger installment loans, credit insurance, and ancillary products. Its customer base consists of individuals with limited access to mainstream credit from banks, credit unions, or credit card lenders. The company also generates revenue from related services, including income tax preparation and electronic filing, as well as automobile club memberships. Founded in 1962 and headquartered in Greenville, South Carolina, the company has been publicly traded since its 1991 IPO.
As a small-cap company classified under the GICS Consumer Finance sub-industry, World Acceptance operates within the subprime lending segment of the financial services sector. Consumer finance companies in this space typically generate income through interest charges, fees, and premium income from ancillary products, and their customer base generally consists of non-prime borrowers seeking small-dollar credit alternatives.
- Subprime borrower defaults pressure net charge-offs and provisioning
- State interest rate caps restrict installment loan yield growth
- Tax preparation season boosts ancillary fee revenue and margins
| Net Income: 39.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.24 > 0.02 and ΔFCF/TA -1.29 > 1.0 |
| NWC/Revenue: -6.30% < 20% (prev -6.91%; Δ 0.61% < -1%) |
| CFO/TA 0.25 > 3% & CFO 265.6m > Net Income 39.3m |
| Net Debt (712.9m) to EBITDA (60.0m): 11.87 < 3 |
| Current Ratio: 0.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.58m) vs 12m ago -13.39% < -2% |
| Gross Margin: 60.62% > 18% (prev 61.82%; Δ -1.20% > 0.5%) |
| Asset Turnover: 56.29% > 50% (prev 55.47%; Δ 0.82% > 0%) |
| Interest Coverage Ratio: 1.00 > 6 (EBIT TTM 51.2m / Interest Expense TTM 51.2m) |
| A: -0.03 (Total Current Assets 28.0m - Total Current Liabilities 65.3m) / Total Assets 1.08b |
| B: 0.07 (Retained Earnings 75.5m / Total Assets 1.08b) |
| C: 0.05 (EBIT TTM 51.2m / Avg Total Assets 1.05b) |
| D: 0.51 (Book Value of Equity 362.2m / Total Liabilities 716.9m) |
| Altman-Z'' = 0.86 = B |
| DSRI: 3.0 (Receivables 844.7m/7.63m, Revenue 591.9m/568.1m) |
| GMI: 1.02 (GM 61.82% / 60.62%) |
| AQI: 0.99 (AQ_t 0.89 / AQ_t-1 0.90) |
| SGI: 1.04 (Revenue 591.9m / 568.1m) |
| TATA: -0.21 (NI 39.3m - CFO 265.6m) / TA 1.08b) |
| Beneish M = -1.36 (Cap -4..+1) = D |
As of September 03, 2026, the stock is trading at USD 190.57 with a total of 57,451 shares traded. Over the past week, the price has changed by -0.29%, over one month by +1.31%, over three months by +15.09% and over the past year by +12.15%.
Current recommended Stop Loss: 175.30 (which is 8% or 2.2 ATR below the current price).
World Acceptance has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold WRLD.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 210 | 10.2% |
P/E Trailing = 23.2658
P/E Forward = 9.6061
P/S = 1.4222
P/B = 2.3666
P/EG = 0.6996
Revenue TTM = 591.9m USD
EBIT TTM = 51.2m USD
EBITDA TTM = 60.0m USD
Long Term Debt = 572.8m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 723.3m USD (from shortLongTermDebtTotal, last quarter) + Leases 75.2m
Net Debt = 712.9m USD (calculated: Debt 723.3m - CCE 10.4m)
Enterprise Value = 1.55b USD (840.8m + Debt 723.3m - CCE 10.4m)
Interest Coverage Ratio = 1.00 (Ebit TTM 51.2m / Interest Expense TTM 51.2m)
EV/FCF = 5.97x (Enterprise Value 1.55b / FCF TTM 260.3m)
FCF Yield = 16.75% (FCF TTM 260.3m / Enterprise Value 1.55b)
FCF Margin = 43.97% (FCF TTM 260.3m / Revenue TTM 591.9m)
Net Margin = 6.65% (Net Income TTM 39.3m / Revenue TTM 591.9m)
Gross Margin = 60.62% ((Revenue TTM 591.9m - Cost of Revenue TTM 233.1m) / Revenue TTM)
Gross Margin QoQ = 60.36% (prev 72.03%)
Tobins Q-Ratio = 1.44 (Enterprise Value 1.55b / Total Assets 1.08b)
Interest Expense / Debt = 7.08% (Interest Expense 51.2m / Debt 723.3m)
Taxrate = 23.14% (11.8m / 51.2m)
NOPAT = 39.3m (EBIT 51.2m * (1 - 23.14%))
Current Ratio = 0.43 (Total Current Assets 28.0m / Total Current Liabilities 65.3m)
Debt / Equity = 2.00 (Debt 723.3m / totalStockholderEquity, last quarter 362.2m)
Debt / EBITDA = 11.87 (Net Debt 712.9m / EBITDA 60.0m)
Debt / FCF = 2.74 (Net Debt 712.9m / FCF TTM 260.3m)
Total Stockholder Equity = 357.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.74% (Net Income 39.3m / Total Assets 1.08b)
RoE = 11.00% (Net Income TTM 39.3m / Total Stockholder Equity 357.6m)
RoCE = 5.50% (EBIT 51.2m / Capital Employed (Equity 357.6m + L.T.Debt 572.8m))
RoIC = 3.92% (NOPAT 39.3m / Invested Capital 1.00b)
WACC = 6.99% (E(840.8m)/V(1.56b) * Re(8.32%) + D(723.3m)/V(1.56b) * Rd(7.08%) * (1-Tc(0.23)))
Discount Rate = 8.32% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.95 | Cagr: -9.64%
[DCF] Terminal Value 75.44% ; FCFF base≈260.3m ; Y1≈261.3m ; Y5≈276.9m
[DCF] Fair Price = 770.6 (EV 4.31b - Net Debt 712.9m = Equity 3.59b / Shares 4.66m; r=8.35% [WACC [floored]]; 5y FCF grow 0.00% → 2.50% )
EPS Correlation: -17.22 | EPS CAGR: -5.57% | SUE: 1.00 | # QB: 1
Revenue Correlation: 18.08 | Revenue CAGR: 0.40% | SUE: -0.40 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.79 | Chg30d=+125.71% | Revisions=+25% | Analysts=1
EPS next Quarter (2026-12-31): EPS=0.97 | Chg30d=-3.00% | Revisions=-25% | Analysts=1
EPS current Year (2027-03-31): EPS=13.18 | Chg30d=+19.93% | Revisions=+25% | GrowthEPS=+89.1% | GrowthRev=+4.7%
EPS next Year (2028-03-31): EPS=15.14 | Chg30d=+7.22% | Revisions=+25% | GrowthEPS=+14.9% | GrowthRev=+6.8%