World Acceptance Corp (WRLD)
NASDAQ:WRLD
Want to see WRLD full AI Analyst Report?
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
$693.98M
Enterprise Value$1.35B
Total Cash (Recent Filing)$9.45M
Total Debt (Recent Filing)$751.93M
Price to Earnings (P/E)4.4
Beta1.18
Next Earnings
Jul 23, 2026EPS Estimate
0.58Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)7.94
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 Cap1.95
Enterprise Value/Revenue2.36
Enterprise Value/Gross Profit3.83
Enterprise Value/Ebitda22.03
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)10.73
Revenue Forecast (FY)$616.30M
Bulls Say, Bears Say
Bulls Say
Profitability ReboundThe company materially improved operating and net margins across FY2024–FY2025 versus FY2023, translating into higher reported returns on equity (~18%–20%). This demonstrates the business can restore profitability through underwriting, pricing and cost actions, a durable improvement that supports reinvestment and capital returns.
Consistent Free Cash FlowAnnual statements show FCF nearly matched net income historically, indicating strong cash conversion and operating cash coverage. Reliable cash generation underpins capacity for buybacks, debt servicing and investments, providing a structural buffer amid cyclical credit costs and supporting capital allocation flexibility.
Improving Credit Metrics & YieldRecent quarters show durable portfolio improvement: higher new-customer acquisition, markedly lower early defaults and meaningful yield expansion. Tighter underwriting and better retention suggest sustainable loan-level economics and higher interest income that should support earnings over the coming months.
Bears Say
Material LeverageThe company's capital structure has materially elevated leverage historically, which magnifies credit-cycle risk for a consumer lender. High debt limits financial flexibility, raises refinancing and covenant sensitivity, and can strain cash flow during stress, making sustained growth and loss absorption riskier.
Choppy Revenue & Weaker TTM MarginsTop-line has been uneven, with recent annual declines and TTM margin compression versus FY2025 levels. This divergence suggests recent earnings quality and credit-cost pressure may persist, limiting margin sustainability and making future profit expansion dependent on continued credit improvements and stable revenue growth.
Management Transition UncertaintyA CEO resignation and 12-month interim appointment create multi-month execution and strategic uncertainty. Leadership turnover can delay long-term initiatives, complicate investor confidence and trigger compensation/vesting effects cited in disclosures, potentially affecting continuity of key credit and growth plans.
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 $693.98M.
When is World Acceptance Corp’s upcoming earnings report date?
World Acceptance Corp’s upcoming earnings report date is Jul 23, 2026 which is in 78 days.
How were World Acceptance Corp’s earnings last quarter?
World Acceptance Corp released its earnings results on Apr 30, 2026. The company reported $7.7 earnings per share for the quarter, missing the consensus estimate of $7.74 by -$0.04.
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 0.58.
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 $7.7 in its last earnings report, missing expectations of $7.74. Following the earnings report the stock price went down -3.974%.
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
2
3
4
5
6
7
8
9
10
Hedge Fund Trend
Decreased
By 3.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $170.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
31.78%
12-Months-Change
Fundamentals
Return on Equity
10.79%
Trailing 12-Months
Asset Growth
1.06%
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
Q4 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 summariesTechnical Analysis
Ownership Overview
49.39% Insiders
13.41% Mutual Funds
0.50% Other Institutional Investors
19.37% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---