WRLD Stock Analysis: World Acceptance | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 818m USD | 12M Return: -0.7% | US9814191048 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.56M
EPS Trend: -17.2%
Qual. Beats: 1
Rev. Trend: 18.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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. consumer finance company headquartered in Greenville, South Carolina, that has been operating since its founding in 1962. The company provides short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products such as tax return preparation, electronic filing, and automobile club memberships. Its customer base consists of individuals with limited access to traditional consumer credit, including banks, credit unions, and credit card lenders, positioning the business within the subprime and non-prime consumer lending segment of the financials sector. As a small-cap company with an IPO dating to 1991, World Acceptance generates revenue primarily through interest income on its loan portfolio, supplemented by fees from insurance and ancillary service offerings.
- Subprime loan demand grows as banks tighten credit
- State interest rate caps pressure loan yields
- Tax preparation season lifts ancillary revenue
| 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 October 18, 2026, the stock is trading at USD 171.64 with a total of 26,209 shares traded. Over the past week, the price has changed by -2.19%, over one month by -7.52%, over three months by -12.13% and over the past year by -0.65%.
Current recommended Stop Loss: 163.10 (which is 5% or 1.7 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: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 180 | 4.9% |
P/E Trailing = 22.1008
P/E Forward = 9.6061
P/S = 1.3832
P/B = 2.1825
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 = 1.53b USD (817.8m + Debt 723.3m - CCE 10.4m)
Interest Coverage Ratio = 1.00 (Ebit TTM 51.2m / Interest Expense TTM 51.2m)
EV/FCF = 5.88x (Enterprise Value 1.53b / FCF TTM 260.3m)
FCF Yield = 17.00% (FCF TTM 260.3m / Enterprise Value 1.53b)
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 = 1.42 (Enterprise Value 1.53b / 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 = 6.93% (E(817.8m)/V(1.54b) * Re(8.24%) + D(723.3m)/V(1.54b) * Rd(7.08%) * (1-Tc(0.23)))
Discount Rate = 8.24% (= 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 = 771.0 (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=0.78 | Chg30d=-1.27% | Revisions=+25% | Analysts=1
EPS next Quarter (2026-12-31): EPS=0.97 | Chg30d=+0.00% | Revisions=-25% | Analysts=1
EPS current Year (2027-03-31): EPS=13.18 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+89.1% | GrowthRev=+4.7%
EPS next Year (2028-03-31): EPS=15.14 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+14.9% | GrowthRev=+6.8%