(WRLD) World Acceptance - Ratings and Ratios
Personal,Loan,Installment,Credit
WRLD EPS (Earnings per Share)
WRLD Revenue
Description: WRLD World Acceptance
World Acceptance Corporation (NASDAQ:WRLD) operates as a consumer‑finance lender in the United States, specializing in point‑of‑sale and online installment loans for sub‑prime borrowers. The company’s revenue model is driven by interest income on its loan portfolio, origination fees, and ancillary services, with net interest margin typically ranging between 10‑12%.
Key performance indicators include loan originations of roughly $1.2 billion annually, a loan book size near $2.5 billion, and a delinquency rate that hovers around 6‑7% for loans 90 days past due. Credit loss provisions have averaged 2‑3% of gross loan balances, reflecting the risk profile of its customer base. Efficiency is measured by an expense‑to‑revenue ratio of approximately 45%, and the firm consistently delivers a return on equity (ROE) in the low‑teens percentage range.
The primary economic drivers for WRLD are consumer credit demand, which is sensitive to employment trends and disposable income levels, and the prevailing interest‑rate environment. Higher rates can boost net interest income but also increase borrowing costs for sub‑prime consumers, potentially elevating credit‑loss risk. Conversely, a tightening labor market supports loan demand and repayment capacity.
Regulatory scrutiny of sub‑prime lending practices and changes in credit‑card interchange fees represent material external risks. Additionally, the company’s capital structure features a moderate leverage profile, with a debt‑to‑equity ratio near 0.6, providing sufficient buffer to absorb credit shocks while maintaining flexibility for growth initiatives.
WRLD Stock Overview
| Market Cap in USD | 891m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1991-11-26 |
WRLD Stock Ratings
| Growth Rating | 51.6% |
| Fundamental | 77.5% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 21.7% |
| Analyst Rating | 3.0 of 5 |
WRLD Dividends
Currently no dividends paidWRLD Growth Ratios
| Growth Correlation 3m | 45.4% |
| Growth Correlation 12m | 85.4% |
| Growth Correlation 5y | -6.2% |
| CAGR 5y | 13.56% |
| CAGR/Max DD 5y | 0.18 |
| Sharpe Ratio 12m | 0.29 |
| Alpha | 19.93 |
| Beta | 1.414 |
| Volatility | 42.81% |
| Current Volume | 23.3k |
| Average Volume 20d | 37k |
| Stop Loss | 165.4 (-3.5%) |
| Signal | -1.82 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (112.0m TTM) > 0 and > 6% of Revenue (6% = 35.7m TTM) |
| FCFTA 0.25 (>2.0%) and ΔFCFTA 1.66pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 132.9% (prev 142.0%; Δ -9.10pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.26 (>3.0%) and CFO 263.9m > Net Income 112.0m (YES >=105%, WARN >=100%) |
| Net Debt (540.7m) to EBITDA (178.5m) ratio: 3.03 <= 3.0 (WARN <= 3.5) |
| Current Ratio 17.67 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (5.29m) change vs 12m ago -5.01% (target <= -2.0% for YES) |
| Gross Margin -3370 % (prev 77.23%; Δ -3447 pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 57.36% (prev 53.74%; Δ 3.62pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.03 (EBITDA TTM 178.5m / Interest Expense TTM 42.5m) >= 6 (WARN >= 3) |
Altman Z'' 6.97
| (A) 0.77 = (Total Current Assets 837.2m - Total Current Liabilities 47.4m) / Total Assets 1.02b |
| (B) 0.16 = Retained Earnings (Balance) 161.4m / Total Assets 1.02b |
| (C) 0.17 = EBIT TTM 171.1m / Avg Total Assets 1.04b |
| (D) 0.27 = Book Value of Equity 161.4m / Total Liabilities 596.2m |
| Total Rating: 6.97 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 77.53
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 18.57% = 5.0 |
| 3. FCF Margin 43.79% = 7.50 |
| 4. Debt/Equity 1.21 = 1.81 |
| 5. Debt/Ebitda 2.91 = -1.63 |
| 6. ROIC - WACC 7.20% = 9.00 |
| 7. RoE 26.16% = 2.18 |
| 8. Rev. Trend -4.82% = -0.24 |
| 9. Rev. CAGR -3.58% = -0.60 |
| 10. EPS Trend 40.85% = 1.02 |
| 11. EPS CAGR 50.27% = 2.50 |
What is the price of WRLD shares?
Over the past week, the price has changed by -0.45%, over one month by +7.73%, over three months by +9.74% and over the past year by +42.38%.
Is World Acceptance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of WRLD is around 167.03 USD . This means that WRLD is currently overvalued and has a potential downside of -2.57%.
Is WRLD a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the WRLD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 157.5 | -8.1% |
| Analysts Target Price | 138 | -19.5% |
| ValueRay Target Price | 184.8 | 7.8% |
Last update: 2025-08-22 04:52
WRLD Fundamental Data Overview
CCE Cash And Equivalents = 8.13m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.0711
P/E Forward = 9.6061
P/S = 1.5686
P/B = 2.0813
P/EG = 7.1
Beta = 1.336
Revenue TTM = 594.4m USD
EBIT TTM = 171.1m USD
EBITDA TTM = 178.5m USD
Long Term Debt = 471.7m USD (from longTermDebt, last quarter)
Short Term Debt = 47.4m USD (from totalCurrentLiabilities, last quarter)
Debt = 519.1m USD (Calculated: Short Term 47.4m + Long Term 471.7m)
Net Debt = 540.7m USD (from netDebt column, last quarter)
Enterprise Value = 1.40b USD (890.5m + Debt 519.1m - CCE 8.13m)
Interest Coverage Ratio = 4.03 (Ebit TTM 171.1m / Interest Expense TTM 42.5m)
FCF Yield = 18.57% (FCF TTM 260.3m / Enterprise Value 1.40b)
FCF Margin = 43.79% (FCF TTM 260.3m / Revenue TTM 594.4m)
Net Margin = 18.85% (Net Income TTM 112.0m / Revenue TTM 594.4m)
Gross Margin = -3370 % ((Revenue TTM 594.4m - Cost of Revenue TTM 20.62b) / Revenue TTM)
Tobins Q-Ratio = 8.68 (Enterprise Value 1.40b / Book Value Of Equity 161.4m)
Interest Expense / Debt = 1.86% (Interest Expense 9.63m / Debt 519.1m)
Taxrate = 19.86% (from yearly Income Tax Expense: 22.2m / 112.0m)
NOPAT = 137.1m (EBIT 171.1m * (1 - 19.86%))
Current Ratio = 17.67 (Total Current Assets 837.2m / Total Current Liabilities 47.4m)
Debt / Equity = 1.21 (Debt 519.1m / last Quarter total Stockholder Equity 427.9m)
Debt / EBITDA = 2.91 (Net Debt 540.7m / EBITDA 178.5m)
Debt / FCF = 1.99 (Debt 519.1m / FCF TTM 260.3m)
Total Stockholder Equity = 428.2m (last 4 quarters mean)
RoA = 10.94% (Net Income 112.0m, Total Assets 1.02b )
RoE = 26.16% (Net Income TTM 112.0m / Total Stockholder Equity 428.2m)
RoCE = 19.01% (Ebit 171.1m / (Equity 428.2m + L.T.Debt 471.7m))
RoIC = 14.84% (NOPAT 137.1m / Invested Capital 924.1m)
WACC = 7.64% (E(890.5m)/V(1.41b) * Re(11.23%)) + (D(519.1m)/V(1.41b) * Rd(1.86%) * (1-Tc(0.20)))
Shares Correlation 5-Years: -90.0 | Cagr: -4.76%
Discount Rate = 11.23% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 66.68% ; FCFE base≈255.8m ; Y1≈245.3m ; Y5≈239.3m
Fair Price DCF = 484.4 (DCF Value 2.64b / Shares Outstanding 5.45m; 5y FCF grow -5.47% → 3.0% )
Revenue Correlation: -4.82 | Revenue CAGR: -3.58%
Rev Growth-of-Growth: 8.68
EPS Correlation: 40.85 | EPS CAGR: 50.27%
EPS Growth-of-Growth: -123.3
Additional Sources for WRLD Stock
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Fund Manager Positions: Dataroma | Stockcircle