World Acceptance Corp (WRLD)
NASDAQ:WRLD
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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
$825.75M
Enterprise Value$1.46B
Total Cash (Recent Filing)$5.11M
Total Debt (Recent Filing)$661.19M
Price to Earnings (P/E)24.1
Beta1.20
Next Earnings
Jul 23, 2026EPS Estimate
0.58Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)7.54
Shares Outstanding4,640,323
10 Day Avg. Volume68,204
30 Day Avg. Volume67,381
Financial Highlights & Ratios
PEG Ratio-0.34
Price to Book (P/B)1.93
Price to Sales (P/S)1.16
P/FCF Ratio<0.01
Enterprise Value/Market Cap1.77
Enterprise Value/Revenue2.49
Enterprise Value/Gross Profit3.60
Enterprise Value/Ebitda14.61
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
Cash GenerationConsistent operating and free cash flow provides durable internal financing for loan book growth, reserve funding, and debt servicing. Strong cash conversion reduces reliance on external capital, supports reinvestment in origination and technology, and cushions earnings variability over the medium term.
Improved LeverageMaterial reduction in headline leverage in 2026 strengthens the company’s balance sheet flexibility, lowering default risk and increasing capacity to absorb credit losses or fund targeted growth. Improved leverage affords more optionality for capital allocation over the next several quarters.
Recovering Loan Growth With Improving Credit MetricsThe shift from broad tightening to targeted growth that produced sustained loan expansion and improving delinquencies suggests the originations engine can scale while preserving credit quality. Rising loans and revenue indicate the company can rebuild growth without re‑accelerating new‑customer risk quickly.
Bears Say
Volatile ProfitabilityEarnings have shown material year‑to‑year swings driven by changing provisions, compensation and charge‑offs. A decline in net income despite higher revenue points to margin sensitivity to credit costs and operating items, making earnings less predictable across economic cycles.
Leadership Transition RiskMultiple CEO transitions and interim appointments increase execution and strategic continuity risk during a critical rebuilding phase. Extended CEO searches and management churn can delay decisive strategy implementation, affecting originations, portfolio actions, and stakeholder confidence over months.
Near‑term Covenant ConcessionA lender consent to relax a coverage covenant indicates near‑term pressure on earnings or coverage metrics. While temporary and lender‑supported, the concession signals limited buffer against shocks and constrains capital strategy until coverage reverts, increasing funding risk if credit costs re‑emerge.
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 $825.75M.
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 32 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 4,640,323 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
Neutral
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Hedge Fund Trend
Decreased
By 6.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $335.1K 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
6.37%
Trailing 12-Months
Asset Growth
4.50%
Trailing 12-Months
Company Description
World Acceptance Corp
World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.
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
3.00% Other Institutional Investors
16.94% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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