(WRLD) World Acceptance - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 734m USD | Total Return: 22.3% in 12m

Loans, Insurance, Tax Services, Memberships
Total Rating 29
Safety 30
Buy Signal -0.04
Credit Services
Industry Rotation: -6.8
Market Cap: 734M
Avg Turnover: 17.1M USD
ATR: 4.58%
Peers RS (IBD): 55.0
Risk 5d forecast
Volatility47.1%
Rel. Tail Risk-5.52%
Reward TTM
Sharpe Ratio0.50
Alpha-3.34
Character TTM
Beta0.879
Beta Downside2.222
Drawdowns 3y
Max DD39.37%
CAGR/Max DD0.56
EPS (Earnings per Share) EPS (Earnings per Share) of WRLD over the last years for every Quarter: "2021-03": 6.96, "2021-06": 2.44, "2021-09": 1.94, "2021-12": 1.14, "2022-03": 2.97, "2022-06": -1.53, "2022-09": -0.24, "2022-12": 0.98, "2023-03": 4.37, "2023-06": 1.62, "2023-09": 2.71, "2023-12": 2.84, "2024-03": 6.09, "2024-06": 1.79, "2024-09": 3.99, "2024-12": 2.45, "2025-03": 8.13, "2025-06": 0.25, "2025-09": -0.38, "2025-12": -0.19, "2026-03": 0,
EPS CAGR: 84.65%
EPS Trend: -1.3%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of WRLD over the last years for every Quarter: 2021-03: 149.129746, 2021-06: 129.659378, 2021-09: 137.826884, 2021-12: 148.571811, 2022-03: 169.548655, 2022-06: 157.918288, 2022-09: 146.426168, 2022-12: 146.49646, 2023-03: 166.039905, 2023-06: 139.323791, 2023-09: 136.875, 2023-12: 137.749387, 2024-03: 159.264903, 2024-06: 129.527266, 2024-09: 131.409504, 2024-12: 138.632753, 2025-03: 165.271942, 2025-06: 132.45192, 2025-09: 134.46585, 2025-12: 141.25223, 2026-03: null,
Rev. CAGR: -4.75%
Rev. Trend: -49.8%
Last SUE: 0.69
Qual. Beats: 0

Warnings

Choppy

Tailwinds

No distinct edge detected

Description: WRLD World Acceptance

World Acceptance Corporation (WRLD) operates in the consumer finance sector, providing various loan products and related services in the United States.

The company specializes in offering short-term and medium-term installment loans. It also provides credit insurance, tax preparation, and automobile club memberships. This business model targets individuals who typically have limited access to traditional credit sources.

The consumer finance industry often serves subprime borrowers. Understanding the specifics of WRLDs loan portfolio and customer base is crucial for further analysis.

Headlines to Watch Out For
  • Loan demand from underbanked consumers drives revenue
  • Interest rate changes impact borrowing costs
  • Regulatory scrutiny on installment lending increases compliance expenses
  • Economic downturns reduce loan repayment ability
  • Competition from online lenders affects market share
Piotroski VR‑10 (Strict) 4.5
Net Income: 42.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.22 > 0.02 and ΔFCF/TA 0.21 > 1.0
NWC/Revenue: 154.1% < 20% (prev -4.41%; Δ 158.5% < -1%)
CFO/TA 0.22 > 3% & CFO 255.7m > Net Income 42.8m
Net Debt (742.5m) to EBITDA (61.4m): 12.09 < 3
Current Ratio: 23.75 > 1.5 & < 3
Outstanding Shares: last quarter (5.03m) vs 12m ago -8.03% < -2%
Gross Margin: 61.64% > 18% (prev 0.63%; Δ 6.10k% > 0.5%)
Asset Turnover: 50.91% > 50% (prev 50.32%; Δ 0.58% > 0%)
Interest Coverage Ratio: 1.15 > 6 (EBITDA TTM 61.4m / Interest Expense TTM 47.9m)
Altman Z'' 5.72
A: 0.77 (Total Current Assets 922.5m - Total Current Liabilities 38.9m) / Total Assets 1.14b
B: 0.07 (Retained Earnings 76.1m / Total Assets 1.14b)
C: 0.05 (EBIT TTM 55.4m / Avg Total Assets 1.13b)
D: 0.10 (Book Value of Equity 76.1m / Total Liabilities 790.8m)
Altman-Z'' Score: 5.72 = AAA
Beneish M 1.00
DSRI: 123.8 (Receivables 913.1m/7.19m, Revenue 573.4m/558.8m)
GMI: 1.02 (GM 61.64% / 62.65%)
AQI: 0.05 (AQ_t 0.05 / AQ_t-1 0.89)
SGI: 1.03 (Revenue 573.4m / 558.8m)
TATA: -0.19 (NI 42.8m - CFO 255.7m) / TA 1.14b)
Beneish M-Score: 97.31 (Cap -4..+1) = D
What is the price of WRLD shares? As of April 12, 2026, the stock is trading at USD 148.80 with a total of 169,734 shares traded.
Over the past week, the price has changed by +3.74%, over one month by +6.67%, over three months by +7.19% and over the past year by +22.34%.
Is WRLD a buy, sell or hold? World Acceptance has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold WRLD.
  • StrongBuy: 0
  • Buy: 0
  • Hold: 2
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the WRLD price?
Analysts Target Price 130 -12.6%
World Acceptance (WRLD) - Fundamental Data Overview as of 09 April 2026
P/E Trailing = 18.74
P/E Forward = 11.1483
P/S = 1.2794
P/B = 2.0139
P/EG = 0.6996
Revenue TTM = 573.4m USD
EBIT TTM = 55.4m USD
EBITDA TTM = 61.4m USD
Long Term Debt = 677.2m USD (from longTermDebt, last quarter)
Short Term Debt = 23.0m USD (from shortTermDebt, last fiscal year)
Debt = 751.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 742.5m USD (from netDebt column, last quarter)
Enterprise Value = 1.48b USD (733.6m + Debt 751.9m - CCE 9.45m)
Interest Coverage Ratio = 1.15 (Ebit TTM 55.4m / Interest Expense TTM 47.9m)
EV/FCF = 5.86x (Enterprise Value 1.48b / FCF TTM 252.1m)
FCF Yield = 17.08% (FCF TTM 252.1m / Enterprise Value 1.48b)
FCF Margin = 43.96% (FCF TTM 252.1m / Revenue TTM 573.4m)
Net Margin = 7.46% (Net Income TTM 42.8m / Revenue TTM 573.4m)
Gross Margin = 61.64% ((Revenue TTM 573.4m - Cost of Revenue TTM 220.0m) / Revenue TTM)
Gross Margin QoQ = 63.59% (prev 52.27%)
Tobins Q-Ratio = 1.29 (Enterprise Value 1.48b / Total Assets 1.14b)
Interest Expense / Debt = 1.70% (Interest Expense 12.8m / Debt 751.9m)
Taxrate = 19.86% (22.2m / 112.0m)
NOPAT = 44.4m (EBIT 55.4m * (1 - 19.86%))
Current Ratio = 23.75 (Total Current Assets 922.5m / Total Current Liabilities 38.9m)
Debt / Equity = 2.14 (Debt 751.9m / totalStockholderEquity, last quarter 351.6m)
Debt / EBITDA = 12.09 (Net Debt 742.5m / EBITDA 61.4m)
Debt / FCF = 2.95 (Net Debt 742.5m / FCF TTM 252.1m)
Total Stockholder Equity = 396.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.80% (Net Income 42.8m / Total Assets 1.14b)
RoE = 10.79% (Net Income TTM 42.8m / Total Stockholder Equity 396.1m)
RoCE = 5.16% (EBIT 55.4m / Capital Employed (Equity 396.1m + L.T.Debt 677.2m))
RoIC = 4.71% (NOPAT 44.4m / Invested Capital 941.3m)
WACC = 5.17% (E(733.6m)/V(1.49b) * Re(9.07%) + D(751.9m)/V(1.49b) * Rd(1.70%) * (1-Tc(0.20)))
Discount Rate = 9.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.40%
[DCF] Terminal Value 85.91% ; FCFF base≈248.3m ; Y1≈238.1m ; Y5≈232.3m
[DCF] Fair Price = 1.25k (EV 6.94b - Net Debt 742.5m = Equity 6.19b / Shares 4.94m; r=6.0% [WACC]; 5y FCF grow -5.47% → 3.0% )
EPS Correlation: -1.27 | EPS CAGR: 84.65% | SUE: -4.0 | # QB: 0
Revenue Correlation: -49.80 | Revenue CAGR: -4.75% | SUE: 0.69 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.44 | Chg7d=-0.100 | Chg30d=-0.250 | Revisions Net=-1 | Analysts=1
EPS next Year (2027-03-31): EPS=10.73 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+51.8% | Growth Revenue=+6.8%
External Resources
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