WRLD

World Acceptance Corporation

Fundamental data last updated:September 21, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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.

 


Analyze WRLD on TradingView

VALUATION

P/E

21.89

Market Cap ($M USD)

$797.36M

Forward P/E

11.44

PEG

0.13

PRICE TO SALES

1.36

PRICE TO BOOK

0.73

EV / EBITDA

23.03

5-Year Average P/E

Free Cash Flow Yield

31.61%

DCF Value

$406.14

Graham Number

$191.88

Price to FCF

3.16

EV to FCF

5.77

Earnings Yield

4.57%

FCF Yield

31.61%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$7.38

Next Year EPS Growth Estimate

$14.12

Next Year Revenue Growth Estimate

$669.70M

Return on Equity (ROE)

6.37%

FREE CASH FLOW

Operating Margin

9.99%

Debt-to-Equity

0.63

Piotroski F-Score

7

Altman Z-Score

2.39

Return on Invested Capital (ROIC)

5.56%

Current Ratio

0.00

Quick Ratio

0.00

Net Debt to EBITDA

10.40

Interest Coverage

1.18

Gross Profit margin

99.46%

FCF PER SHARE

$53.12

REVENUE PER SHARE

$123.44

Analyze WRLD on TradingView

Gainseekers Quantitative Analysis

Summary

The market appears to be significantly undervaluing WRLD, with its DCF value towering over the recent pricing. The Forward P/E of 10.60 suggests a more optimistic future, contrasting sharply with the current P/E of 20.29, indicating potential growth. Despite a modest Altman Z-score of 2.34, which hints at moderate financial distress, the earnings yield of 4.93% suggests that the stock might be offering a reasonable return relative to its price. The Graham Number further supports the undervaluation narrative, signaling a disconnect between intrinsic value and market perception.

AI Exposure / Tech Reliance

Operating in the Financial - Credit Services industry, WRLD is positioned to leverage AI for enhanced credit risk assessment and customer service automation. However, the traditional nature of its services may limit rapid tech adaptation. Its resilience will depend on integrating AI to streamline operations without disrupting its core business model.

The Bull Case

For the discerning value investor, WRLD offers compelling reasons to buy. The Piotroski F-Score of 7 indicates solid financial health, while a robust FCF Yield of 34.11% underscores its ability to generate cash. With an ROIC of 5.56% and a strong operating margin of 9.99%, the company demonstrates efficient capital use and pricing power. These metrics suggest a well-managed firm capable of delivering shareholder value.

The Bear Case

Despite its strengths, WRLD faces significant structural risks. The EV to EBITDA ratio of 22.10 is alarmingly high, suggesting the stock is expensive relative to its earnings. Additionally, a Net Debt to EBITDA ratio of 10.40 raises red flags about its leverage and financial stability. The company's lack of dividend yield and low interest coverage ratio of 1.18 further exacerbate concerns about its ability to sustain operations during downturns.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

N/A

Institutional Ownership %

1-Year Beta

1.17

Insider Buying % (6 Mo)

Distance to 52-Week High

14.84%

Distance to 52-Week Low

31.89%

EARNINGS SURPRISE %

-0.52%

50-DAY SMA

$146.20

200-DAY SMA

$148.93

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.