World Acceptance Corp (WRLD)
NASDAQ:WRLD
WRLD Stock Chart & Stats
$138.95
$0.76(0.67%)
At close: 4:00 PM EST
$138.95
$0.76(0.67%)
Day’s Range― - ―
52-Week Range$110.00 - $185.48
Previous CloseN/A
Volume3.60K
Average Volume (3M)67.38K
Market Cap
$734.61M
Enterprise Value$1.45B
Total Cash (Recent Filing)$9.45M
Total Debt (Recent Filing)$751.93M
Price to Earnings (P/E)―
Beta1.26
Next Earnings
Apr 30, 2026EPS Estimate
7.74Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.19
Shares Outstanding4,936,879
10 Day Avg. Volume68,204
30 Day Avg. Volume67,381
Financial Highlights & Ratios
PEG Ratio0.34
Price to Book (P/B)1.59
Price to Sales (P/S)1.23
P/FCF Ratio2.78
Enterprise Value/Market Cap1.98
Enterprise Value/Revenue2.53
Enterprise Value/Gross Profit4.11
Enterprise Value/Ebitda23.66
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)13.68
Revenue Forecast (FY)$564.10M
Bulls Say, Bears Say
Bulls Say
Improved Profitability And Cash ConversionAnnual statements show a durable rebound in operating and net margins and free cash flow that closely tracks net income. Persistent cash conversion provides internal funding for growth, buybacks, and reserves, improving financial resiliency over the next 2–6 months.
Improving Underwriting And Early Credit MetricsMarkedly lower early-defaults and disciplined credit actions (tighter limits, underwriting) imply the newer vintages are higher quality. Sustained improvement in early performance should reduce future loss rates and support margin recovery as cohorts season.
Active Capital Returns And Buyback CapacitySignificant share repurchases and a fresh $50M authorization reflect disciplined capital allocation and confidence in cash generation. Continued buybacks can enhance shareholder returns and offset EPS dilution while management conserves flexibility for credit or investment needs.
Bears Say
Material Leverage And Capital Structure RiskA debt-heavy capital structure amplifies returns in good cycles but reduces flexibility in credit-sensitive consumer lending. Elevated leverage constrains the company's ability to absorb credit shocks, fund growth, or execute buybacks without increasing financial risk over the medium term.
Near-term Earnings Pressure From Provisions And CompManagement's growth drive required extra loan-loss provisioning and elevated compensation, creating a durable near-term drag on earnings. Until newer cohorts season and compensation expenses normalize, profitability will be pressured despite improving portfolio metrics.
Choppy Revenue And Weaker Recent MarginsInconsistent top-line trends and markedly weaker TTM margins versus annual peaks signal volatility in earnings quality. If revenue growth remains uneven, sustaining higher margins will be difficult, making earnings and cash-flow durability more uncertain over the coming quarters.
World Acceptance News
WRLD FAQ
What was World Acceptance Corp’s price range in the past 12 months?
World Acceptance Corp lowest stock price was $110.00 and its highest was $185.48 in the past 12 months.
What is World Acceptance Corp’s market cap?
World Acceptance Corp’s market cap is $734.61M.
When is World Acceptance Corp’s upcoming earnings report date?
World Acceptance Corp’s upcoming earnings report date is Apr 30, 2026 which is in 16 days.
How were World Acceptance Corp’s earnings last quarter?
World Acceptance Corp released its earnings results on Jan 27, 2026. The company reported -$0.19 earnings per share for the quarter, missing the consensus estimate of $0.93 by -$1.12.
Is World Acceptance Corp overvalued?
According to Wall Street analysts World Acceptance Corp’s price is currently Overvalued.
Does World Acceptance Corp pay dividends?
World Acceptance Corp does not currently pay dividends.
What is World Acceptance Corp’s EPS estimate?
World Acceptance Corp’s EPS estimate is 7.74.
How many shares outstanding does World Acceptance Corp have?
World Acceptance Corp has 4,936,879 shares outstanding.
What happened to World Acceptance Corp’s price movement after its last earnings report?
World Acceptance Corp reported an EPS of -$0.19 in its last earnings report, missing expectations of $0.93. Following the earnings report the stock price went down -17.583%.
Which hedge fund is a major shareholder of World Acceptance Corp?
Currently, no hedge funds are holding shares in WRLD
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
World Acceptance Stock Smart Score
Underperform
1
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10
Hedge Fund Trend
Decreased
By 3.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $141.9K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
31.78%
12-Months-Change
Fundamentals
Return on Equity
10.79%
Trailing 12-Months
Asset Growth
2.87%
Trailing 12-Months
Company Description
World Acceptance Corp
World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides automobile club memberships to its borrowers; and income tax return preparation and electronic filing services. In addition, the company markets and sells credit life, credit accident and health, credit property and auto, unemployment, and accidental death and dismemberment insurance in connection with its loans. It serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. As of March 31, 2022, it operated 1,167 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.
WRLD Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed meaningful portfolio and business improvements—strong new-customer acquisition (16% higher origination), 25% higher new-customer outstanding ledger, 5.4% organic customer growth, 2.4% organic ledger growth, and an 84 bps increase in yields—supported by better early credit performance (first-pay defaults ~19% lower). Near-term profitability is pressured by an incremental ~$8M provision for new customers and elevated compensation and personnel expenses associated with strategic investments and temporary overstaffing. Management outlined corrective actions (expected reduction in incentive comp starting Q4 and planned 3–5% branch headcount reductions) and reported robust early tax-season trends and significant share repurchases. On balance, the positive growth, improving credit metrics, yield expansion, and capital return actions outweigh the identifiable near-term headwinds.View all WRLD earnings summaries