World Acceptance (WRLD) AI Stock Analysis

• Market Cap: $919.44M
• Dividend Yield: N/A
• Average Volume (3M): 53.97K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 1.60
• Revenue Growth: -1.46%
• EPS Growth: 25.24%
• Country: US
• Employees: 2,872
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Credit Services
• EPS (TTM): 8.13
• Shares Outstanding: 5,307,307
• 10 Day Avg. Volume: 80,221
• 30 Day Avg. Volume: 53,974
• PEG Ratio: 0.62
• Price to Book (P/B): 1.98
• Price to Sales (P/S): 0.00
• P/FCF Ratio: <0.01
• Enterprise Value/Market Cap: 1.48
• Enterprise Value/Revenue: 0.61
• Enterprise Value/Gross Profit: 3.74
• Enterprise Value/Ebitda: 2.21
• 1Y Price Target: $146.00
• Price Target Upside: -15.72% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: $190.00 ▲(9.67%Upside)

World Acceptance's stock is supported by strong technical momentum and strategic initiatives, such as the credit card pilot, which are promising for future growth. However, financial risks due to high leverage and inconsistent profitability, along with challenges in delinquency rates, temper the overall score.

World Acceptance Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

World Acceptance Corporation makes money primarily through the interest and fees charged on the personal loans it provides to consumers. The company offers unsecured and secured loans, with unsecured loans representing the majority of its portfolio. Revenue is generated from the interest income on these loans and various fees, such as origination and late fees. Additionally, World Acceptance sells credit insurance products, which provide another stream of income. The company's earnings are significantly influenced by its ability to manage credit risk, maintain high customer retention, and expand its customer base through its branch network. Partnerships with insurance companies for credit insurance products also contribute to its revenue model.

World Acceptance Financial Statement Overview

Summary

World Acceptance maintains a stable financial position with strong cash flow generation. However, high leverage and inconsistent profitability pose risks. The gross profit margin is strong, but the net profit margin volatility reflects challenges in maintaining consistent profitability.

Income Statement

World Acceptance shows a mixed performance over the years with fluctuating revenue and net income figures. The gross profit margin is strong, demonstrating good cost control relative to revenue, but the net profit margin has shown volatility, reflecting challenges in maintaining consistent profitability.

Balance Sheet

The company's balance sheet indicates a high debt-to-equity ratio, suggesting significant leverage and potential financial risk. However, there is a stable equity ratio, indicating that a reasonable proportion of assets is financed by equity, which helps mitigate some risk.

Cash Flow

The cash flow statements reveal a robust operating cash flow, consistently exceeding net income, which is a positive indicator of cash generation capabilities. Free cash flow has been stable, reflecting sound cash management and the ability to fund operations and investments without relying heavily on external financing.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	564.84M	573.21M	616.56M	585.64M	530.84M
Gross Profit	395.63M	368.01M	306.62M	365.56M	416.05M
EBITDA	164.97M	110.30M	38.06M	77.25M	123.82M
Net Income	89.74M	77.34M	21.23M	53.92M	88.28M
Balance Sheet
Total Assets	1.01B	1.06B	1.12B	1.22B	954.27M
Cash, Cash Equivalents and Short-Term Investments	9.73M	11.84M	16.51M	19.24M	15.75M
Total Debt	525.56M	577.95M	679.00M	779.85M	496.73M
Total Liabilities	568.15M	631.92M	732.09M	845.27M	549.34M
Stockholders Equity	439.48M	424.43M	385.23M	373.02M	404.93M
Cash Flow
Free Cash Flow	250.48M	259.85M	285.73M	266.38M	215.27M
Operating Cash Flow	254.16M	265.78M	291.55M	272.45M	226.95M
Investing Cash Flow	-152.75M	-135.14M	-180.58M	-451.89M	-55.20M
Financing Cash Flow	-103.52M	-135.31M	-113.70M	182.93M	-140.83M

World Acceptance Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 173.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WRLD, the sentiment is Positive. The current price of 173.24 is above the 20-day moving average (MA) of 160.20, above the 50-day MA of 149.60, and above the 200-day MA of 129.56, indicating a bullish trend. The MACD of 5.61 indicates Negative momentum. The RSI at 69.63 is Neutral, neither overbought nor oversold. The STOCH value of 86.57 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WRLD.

World Acceptance Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EZPW	75 Outperform	$757.54M	12.23	10.84%	―	8.14%	14.79%
ATLC	73 Outperform	$838.30M	11.02	22.68%	―	15.21%	20.25%
YRD	73 Outperform	$521.03M	2.83	14.69%	3.65%	12.45%	-36.64%
RM	72 Outperform	$316.37M	9.68	9.51%	3.76%	6.57%	44.84%
WRLD	69 Neutral	$919.44M	10.59	20.78%	―	-1.46%	25.24%
Sector *	67 Neutral	$16.84B	11.72	9.71%	3.76%	11.61%	-9.60%
PRAA	60 Neutral	$602.81M	8.60	6.03%	―	23.90%	―

World Acceptance Corporate Events

World Acceptance Approves New Long-Term Incentive Program

On June 10, 2025, World Acceptance Corporation’s Compensation and Stock Option Committee approved a new long-term incentive program under the 2017 Stock Incentive Plan, granting both service-based restricted stock awards and performance-based restricted stock awards to certain employees, including executive officers. The performance shares are contingent on achieving specific earnings per share targets over a defined period, while the restricted stock awards will vest in two annual installments starting December 1, 2026, contingent on continued employment.

The most recent analyst rating on (WRLD) stock is a Hold with a $146.00 price target. To see the full list of analyst forecasts on World Acceptance stock, see the WRLD Stock Forecast page.

World Acceptance Reports Q4 2025 Financial Results

World Acceptance Corporation reported its financial results for the fourth quarter of fiscal 2025, highlighting improved earnings driven by increased tax preparation revenue and a $2.8 million after-tax release of share-based compensation expense. The company achieved a net income of $44.3 million, with total revenues rising to $165.3 million, a 3.8% increase from the previous year. Despite a decrease in gross loans outstanding and challenges with credit losses, the customer base grew by 3.5%, and the company expects continued improvement in portfolio yields due to strategic adjustments in loan volume and underwriting practices.