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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$104.99 - $185.48
Previous CloseN/A
Volume3.60K
Average Volume (3M)67.38K
Market Cap
$693.58M
Enterprise Value$1.55B
Total Cash (Recent Filing)$9.45M
Total Debt (Recent Filing)$826.62M
Price to Earnings (P/E)―
Beta1.29
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 Cap2.24
Enterprise Value/Revenue2.71
Enterprise Value/Gross Profit4.40
Enterprise Value/Ebitda25.31
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)8.55
Revenue Forecast (FY)$529.60M
Bulls Say, Bears Say
Bulls Say
Improved Profitability & Cash ConversionAnnual statements show a sustained recovery in operating and net margins with free cash flow closely tracking net income. Durable cash conversion supports internal investment, reserve rebuilding, and shareholder returns (buybacks) while providing buffer against credit cycles over the next several quarters.
Stronger New‑Customer Metrics & YieldsHigher origination volumes, a 25% larger new-customer ledger, improved early credit performance and an ~84bp yield lift reflect tightened underwriting and pricing power. These trends support sustainable margin improvement and healthier vintage economics as newer accounts season and retention improves over coming quarters.
Aggressive Capital Return / Share RepurchasesLarge, executed repurchases and a $50M authorization demonstrate management's commitment to capital returns and confidence in cash generation. Durable effect: lower share count improves per‑share metrics and provides optionality to allocate capital between reserves, growth, and returns through cyclical periods.
Bears Say
Material LeverageA debt-heavy capital structure (debt > equity historically) amplifies earnings volatility in a credit-sensitive consumer finance model. Elevated leverage reduces liquidity flexibility, constrains lending capacity or buybacks under stress, and increases refinancing and covenant risk if credit costs rise over the next several quarters.
Elevated Provisions & Compensation PressuresAn $8M incremental provision tied to growth and heightened share‑based and personnel expenses materially compressed near‑term earnings. If provisioning or elevated comp persists while new vintages season, margin recovery could be delayed, reducing free cash flow and limiting strategic flexibility over multiple quarters.
Choppy Revenue & Inconsistent TTM Margins/Cash FlowDeclining or uneven revenue alongside weaker TTM margins and anomalous TTM cash-flow datapoints signal volatility in earnings quality and forecasting. This inconsistency complicates capital planning and reserve adequacy assessments, making performance less predictable across the 2–6 month horizon as new accounts season and data normalizes.
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 $104.99 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 $693.58M.
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 56 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
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Hedge Fund Trend
Decreased
By 3.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $3.2M 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
14.57%
Trailing 12-Months
Asset Growth
1.26%
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