(WRLD) World Acceptance - Overview
Stock: Installment Loans, Credit Insurance, Tax Prep, Auto Club
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 48.7% |
| Relative Tail Risk | -5.84% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.12 |
| Alpha | -32.35 |
| Character TTM | |
|---|---|
| Beta | 1.282 |
| Beta Downside | 1.348 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.37% |
| CAGR/Max DD | 0.24 |
Description: WRLD World Acceptance January 25, 2026
World Acceptance Corp. (NASDAQ: WRLD) operates a U.S. consumer-finance platform that originates short-term, small-installment loans and medium-term, larger-installment loans, complemented by credit-insurance, tax-preparation, e-filing services, and auto-club memberships. Its target market consists of borrowers who lack access to traditional credit sources such as banks, credit unions, and major credit-card issuers. The firm was founded in 1962 and is headquartered in Greenville, South Carolina.
As of the most recent quarterly filing (Q3 2024), WRLD reported a loan portfolio of $1.2 billion, a net interest margin of 5.8 % (down 0.3 pp YoY), and a delinquency rate of 6.2 % (up 0.5 pp), reflecting the tightening credit environment. The company’s revenue grew 4 % year-over-year to $225 million, driven largely by higher average loan balances and modest fee-income from ancillary services. The consumer-finance sector is currently sensitive to the Federal Reserve’s policy stance; the recent 0.25 % rate hike in September 2024 has increased borrowing costs for sub-prime borrowers, a key driver of WRLD’s credit-risk profile.
Given the elevated delinquency trend and the modest margin compression, analysts should monitor WRLD’s credit-loss provisions and its ability to diversify into higher-margin ancillary services. For a deeper quantitative view, you might explore the company’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 42.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.22 > 0.02 and ΔFCF/TA 0.74 > 1.0 |
| NWC/Revenue: 149.4% < 20% (prev 150.2%; Δ -0.73% < -1%) |
| CFO/TA 0.23 > 3% & CFO 258.8m > Net Income 42.8m |
| Net Debt (-9.45m) to EBITDA (72.7m): -0.13 < 3 |
| Current Ratio: 14.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.03m) vs 12m ago -7.73% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 50.91% > 50% (prev 52.72%; Δ -1.81% > 0%) |
| Interest Coverage Ratio: 1.39 > 6 (EBITDA TTM 72.7m / Interest Expense TTM 47.9m) |
Altman Z'' 6.63
| A: 0.75 (Total Current Assets 922.5m - Total Current Liabilities 65.5m) / Total Assets 1.14b |
| B: 0.15 (Retained Earnings 173.1m / Total Assets 1.14b) |
| C: 0.06 (EBIT TTM 66.6m / Avg Total Assets 1.13b) |
| D: 0.77 (Book Value of Equity 612.5m / Total Liabilities 790.8m) |
| Altman-Z'' Score: 6.63 = AAA |
Beneish M -3.43
| DSRI: 1.03 (Receivables 913.1m/903.9m, Revenue 573.4m/585.5m) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.63 (AQ_t 0.05 / AQ_t-1 0.08) |
| SGI: 0.98 (Revenue 573.4m / 585.5m) |
| TATA: -0.19 (NI 42.8m - CFO 258.8m) / TA 1.14b) |
| Beneish M-Score: -3.43 (Cap -4..+1) = AA |
What is the price of WRLD shares?
Over the past week, the price has changed by +1.52%, over one month by -18.38%, over three months by -5.44% and over the past year by -13.60%.
Is WRLD a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the WRLD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 120 | -2.5% |
| Analysts Target Price | 120 | -2.5% |
| ValueRay Target Price | 116.9 | -5.1% |
WRLD Fundamental Data Overview February 07, 2026
P/E Forward = 9.6061
P/S = 1.043
P/B = 1.6175
P/EG = 7.1
Revenue TTM = 573.4m USD
EBIT TTM = 66.6m USD
EBITDA TTM = 72.7m USD
Long Term Debt = 446.9m USD (from longTermDebt, last fiscal year)
Short Term Debt = 23.0m USD (from shortTermDebt, last fiscal year)
Debt = 525.6m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -9.45m USD (from netDebt column, last quarter)
Enterprise Value = 1.11b USD (598.0m + Debt 525.6m - CCE 9.45m)
Interest Coverage Ratio = 1.39 (Ebit TTM 66.6m / Interest Expense TTM 47.9m)
EV/FCF = 4.36x (Enterprise Value 1.11b / FCF TTM 255.3m)
FCF Yield = 22.92% (FCF TTM 255.3m / Enterprise Value 1.11b)
FCF Margin = 44.53% (FCF TTM 255.3m / Revenue TTM 573.4m)
Net Margin = 7.46% (Net Income TTM 42.8m / Revenue TTM 573.4m)
Gross Margin = -569.6% ((Revenue TTM 573.4m - Cost of Revenue TTM 3.84b) / Revenue TTM)
Gross Margin QoQ = 63.59% (prev 52.27%)
Tobins Q-Ratio = 0.98 (Enterprise Value 1.11b / Total Assets 1.14b)
Interest Expense / Debt = 2.43% (Interest Expense 12.8m / Debt 525.6m)
Taxrate = 19.86% (22.2m / 112.0m)
NOPAT = 53.4m (EBIT 66.6m * (1 - 19.86%))
Current Ratio = 14.07 (Total Current Assets 922.5m / Total Current Liabilities 65.5m)
Debt / Equity = 0.46 (Debt 525.6m / totalStockholderEquity, last quarter 1.14b)
Debt / EBITDA = -0.13 (Net Debt -9.45m / EBITDA 72.7m)
Debt / FCF = -0.04 (Net Debt -9.45m / FCF TTM 255.3m)
Total Stockholder Equity = 593.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.80% (Net Income 42.8m / Total Assets 1.14b)
RoE = 7.20% (Net Income TTM 42.8m / Total Stockholder Equity 593.8m)
RoCE = 6.40% (EBIT 66.6m / Capital Employed (Equity 593.8m + L.T.Debt 446.9m))
RoIC = 5.85% (NOPAT 53.4m / Invested Capital 912.1m)
WACC = 6.58% (E(598.0m)/V(1.12b) * Re(10.64%) + D(525.6m)/V(1.12b) * Rd(2.43%) * (1-Tc(0.20)))
Discount Rate = 10.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.40%
[DCF Debug] Terminal Value 83.07% ; FCFF base≈249.2m ; Y1≈238.9m ; Y5≈232.5m
Fair Price DCF = 1189 (EV 5.70b - Net Debt -9.45m = Equity 5.71b / Shares 4.80m; r=6.58% [WACC]; 5y FCF grow -5.47% → 2.90% )
EPS Correlation: 2.12 | EPS CAGR: -25.63% | SUE: -1.14 | # QB: 0
Revenue Correlation: -38.40 | Revenue CAGR: -4.75% | SUE: 0.53 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.44 | Chg30d=-0.250 | Revisions Net=-1 | Analysts=1
EPS next Year (2027-03-31): EPS=10.73 | Chg30d=-3.190 | Revisions Net=-1 | Growth EPS=+51.8% | Growth Revenue=+6.9%