World Acceptance (WRLD) Stock Overview
Engages in consumer finance business in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 3/6 |
| Past Performance | 1/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
WRLD Community Fair Values
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Analyst Price Targets
World Acceptance Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$182.14 |
| 52 Week High | US$227.68 |
| 52 Week Low | US$110.00 |
| Beta | 1.14 |
| 1 Month Change | -3.26% |
| 3 Month Change | 0.23% |
| 1 Year Change | 5.81% |
| 3 Year Change | 45.37% |
| 5 Year Change | -7.37% |
| Change since IPO | 7,706.00% |
Recent News & Updates
Seeking Alpha • Sep 03
World Acceptance: A Melting Ice Cube Priced Like A Growth Stock
Summary World Acceptance Corporation makes high-yield small installment loans through 1,000+ branches across 16 southern states. A storefront model in an increasingly app-based lending market. The book mostly refinances itself: 84.4% of Q1 '27 origination volume was refinancing of existing customers, and 76.2% of loans sit with customers of more than two years' tenure. New-customer originations fell 40% YoY as BNPL and paycheck-advance apps capture the young subprime borrower WRLD needs. I see a melting ice cube, and I think it's structural. Despite that, WRLD trades at 24x trailing earnings, 2.4x book, and the highest forward P/E in its subprime peer group. I am not short, but I rate the shares a Sell with a fair value of $95-$130 versus $190 today. Read the full article on Seeking Alpha
Narrative Update • Jul 26
WRLD: Future Returns Will Rely On Buybacks And Credit Quality Stability
Analysts have raised their price target for World Acceptance from $185 to $210 after updating their assumptions for fair value, discount rate, revenue growth, profit margins, and future P/E, which they cite as the main drivers of the change. What's in the News World Acceptance updated its share repurchase activity under the July 24, 2025 authorization, completing the buyback of 488,426 shares, representing 9.55%, for a total of US$81.62 million as of June 30, 2026.Recent updates
Seeking Alpha • Sep 03
World Acceptance: A Melting Ice Cube Priced Like A Growth Stock
Summary World Acceptance Corporation makes high-yield small installment loans through 1,000+ branches across 16 southern states. A storefront model in an increasingly app-based lending market. The book mostly refinances itself: 84.4% of Q1 '27 origination volume was refinancing of existing customers, and 76.2% of loans sit with customers of more than two years' tenure. New-customer originations fell 40% YoY as BNPL and paycheck-advance apps capture the young subprime borrower WRLD needs. I see a melting ice cube, and I think it's structural. Despite that, WRLD trades at 24x trailing earnings, 2.4x book, and the highest forward P/E in its subprime peer group. I am not short, but I rate the shares a Sell with a fair value of $95-$130 versus $190 today. Read the full article on Seeking AlphaNarrative Update • Jul 26
WRLD: Future Returns Will Rely On Buybacks And Credit Quality Stability
Analysts have raised their price target for World Acceptance from $185 to $210 after updating their assumptions for fair value, discount rate, revenue growth, profit margins, and future P/E, which they cite as the main drivers of the change. What's in the News World Acceptance updated its share repurchase activity under the July 24, 2025 authorization, completing the buyback of 488,426 shares, representing 9.55%, for a total of US$81.62 million as of June 30, 2026.Narrative Update • Jul 10
WRLD: Future Returns Will Rely On Buybacks And Stable Management Transition
Analysts have raised their price target on World Acceptance from $141 to $185, citing updated assumptions that include a lower discount rate, expectations for stable revenue growth and profit margins, and a higher future P/E multiple. What's in the News for World Acceptance World Acceptance appointed Janet Matricciani as interim CEO effective April 13, 2026, following the resignation of R.Narrative Update • Jun 15
WRLD: Future Returns Will Depend On Buybacks Despite Leadership Turnover
Analysts have slightly raised their price target on World Acceptance to $141.00, citing updated assumptions around discount rates, revenue growth, profit margins, and future P/E. These revisions leave the fair value estimate unchanged at $141.00.Narrative Update • Jun 01
WRLD: Future Returns Will Rely On Buybacks Amid Leadership Uncertainty
Analysts have kept their fair value estimate for World Acceptance steady at $141, with only slight tweaks to underlying assumptions such as discount rate, revenue growth, profit margin, and future P/E that guide this unchanged price target view. What's in the News From January 1, 2026 to March 31, 2026, World Acceptance repurchased 137,412 shares, representing 2.89% of shares, for US$18.38 million under the buyback announced on July 24, 2025.Narrative Update • May 15
WRLD: Future Returns Will Depend On Buybacks And Leadership Transition
Analysts have raised their price target for World Acceptance from $130 to $141, citing updated assumptions for revenue growth, profit margins, and the future P/E ratio, which together indicate a higher estimated fair value for the stock. What's in the News From January 1, 2026 to March 31, 2026, World Acceptance repurchased 137,412 shares, representing 2.89% of its stock for US$18.38 million under the buyback program announced on July 24, 2025.Narrative Update • Apr 27
WRLD: Rising Net Charge Offs Will Eventually Overwhelm Support From Share Repurchases
Analysts kept their price target for World Acceptance steady at $130, reflecting largely unchanged views on fair value, as updated inputs for discount rate, revenue growth, profit margin and future P/E remain close to prior assumptions. What's in the News The Board appointed Janet Matricciani as interim CEO effective April 13, 2026, following the resignation of R.Narrative Update • Apr 12
WRLD: Rising Net Charge Offs Will Undermine Support From Share Repurchases
Analysts have raised their fair value estimate for World Acceptance from $120 to $130, reflecting updated assumptions around discount rates, revenue growth, profit margins, and future P/E expectations. What's in the News World Acceptance announced a share repurchase program authorizing the company to buy back up to $50 million of its common stock, signaling an increased focus on returning capital to shareholders (company announcement).Narrative Update • Mar 29
WRLD: Share Repurchases And Higher Net Charge Offs Will Shape A Balanced Outlook
Analysts kept their $120 price target on World Acceptance steady, reflecting largely unchanged views on fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. What's in the News World Acceptance announced a share repurchase program authorizing the company to buy back up to $50 million of its common stock (Key Developments).Narrative Update • Mar 12
WRLD: Rising Net Charge Offs And Buybacks Will Sustain A Cautious Outlook
Analysts have kept their $120 price target for World Acceptance unchanged, citing only marginal adjustments in the discount rate, revenue growth, profit margin, and forward P/E assumptions that leave their overall view of fair value effectively steady. What's in the News World Acceptance Corporation announced a share repurchase program authorizing the company to buy back up to $50 million of its common stock (Key Developments).Narrative Update • Feb 26
WRLD: Rising Net Charge Offs Will Drive A Cautious Outlook
Analysts have maintained their $120 price target on World Acceptance, citing only minor adjustments in discount rate, revenue growth, profit margin, and forward P/E assumptions that together support a largely unchanged view of the stock’s value. What's in the News World Acceptance Corporation announced a new share repurchase program authorizing the company to buy back up to $50 million of its common stock (company announcement).Narrative Update • Feb 12
WRLD: Share Repurchases And Credit Charge Offs Will Shape Balanced Outlook
Analysts kept their fair value estimate for World Acceptance steady at $120. A slightly higher discount rate and modestly adjusted assumptions for revenue growth, profit margin, and future P/E underpin a broadly unchanged price target narrative.Narrative Update • Jan 29
WRLD: Share Buybacks And Higher Charge Offs Will Shape Balanced Outlook
Analysts have lowered their price target on World Acceptance from about US$157.50 to roughly US$120.00, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E as the key drivers behind the revised view. What's in the News Completed share repurchase of 488,426 shares, or 9.55% of outstanding stock, for a total of US$81.63 million under the buyback program announced on July 24, 2025 (Key Developments).Analysis Article • Oct 29
Slammed 26% World Acceptance Corporation (NASDAQ:WRLD) Screens Well Here But There Might Be A Catch
World Acceptance Corporation ( NASDAQ:WRLD ) shareholders won't be pleased to see that the share price has had a very...Analysis Article • Jul 31
Is Now The Time To Put World Acceptance (NASDAQ:WRLD) On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • Jun 30
World Acceptance Corporation's (NASDAQ:WRLD) Share Price Is Matching Sentiment Around Its Earnings
World Acceptance Corporation's ( NASDAQ:WRLD ) price-to-earnings (or "P/E") ratio of 9.6x might make it look like a buy...Analysis Article • Feb 07
World Acceptance Corporation's (NASDAQ:WRLD) Share Price Boosted 25% But Its Business Prospects Need A Lift Too
World Acceptance Corporation ( NASDAQ:WRLD ) shares have had a really impressive month, gaining 25% after a shaky...Analysis Article • Nov 12
Improved Earnings Required Before World Acceptance Corporation (NASDAQ:WRLD) Shares Find Their Feet
World Acceptance Corporation's ( NASDAQ:WRLD ) price-to-earnings (or "P/E") ratio of 8x might make it look like a...
New Narrative • Sep 24
Strategies To Enhance Quality Growth And Profitability In Consumer Finance
Focusing on high credit quality growth and rightsizing the portfolio aims to boost revenue growth and net margins by attracting better customers and reducing delinquencies.Analysis Article • Aug 14
This Is Why World Acceptance Corporation's (NASDAQ:WRLD) CEO Compensation Looks Appropriate
Key Insights World Acceptance's Annual General Meeting to take place on 21st of August Total pay for CEO Ravin Prashad...Analysis Article • Jul 16
World Acceptance Corporation's (NASDAQ:WRLD) Shares Lagging The Market But So Is The Business
With a price-to-earnings (or "P/E") ratio of 9.6x World Acceptance Corporation ( NASDAQ:WRLD ) may be sending bullish...Shareholder Returns
| WRLD | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -4.5% | -3.4% | -0.2% |
| 1Y | 5.8% | -10.8% | 12.1% |
Return vs Industry: WRLD exceeded the US Consumer Finance industry which returned -10.8% over the past year.
Return vs Market: WRLD underperformed the US Market which returned 11.9% over the past year.
Price Volatility
| WRLD volatility | |
|---|---|
| WRLD Average Weekly Movement | 6.6% |
| Consumer Finance Industry Average Movement | 7.0% |
| Market Average Movement | 6.8% |
| 10% most volatile stocks in US Market | 15.1% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: WRLD has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: WRLD's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1962 | 2,907 | J. Turner | www.loansbyworld.com |
World Acceptance Corporation engages in consumer finance business in the United States. 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 income tax return preparation and electronic filing services; and automobile club memberships to borrowers.
World Acceptance Corporation Fundamentals Summary
| WRLD fundamental statistics | |
|---|---|
| Market cap | US$823.81m |
| Earnings (TTM) | US$39.11m |
| Revenue (TTM) | US$591.22m |
21.1x
P/E Ratio1.4x
P/S RatioIs WRLD overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| WRLD income statement (TTM) | |
|---|---|
| Revenue | US$591.22m |
| Cost of Revenue | US$181.84m |
| Gross Profit | US$409.38m |
| Other Expenses | US$370.27m |
| Earnings | US$39.11m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 8.65 |
| Gross Margin | 69.24% |
| Net Profit Margin | 6.61% |
| Debt/Equity Ratio | 158.2% |
How did WRLD perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/20 01:33 |
| End of Day Share Price | 2026/09/18 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2026/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
World Acceptance Corporation is covered by 6 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Fotheringham | BMO Capital Markets Equity Research |
| William Armstrong | CL King & Associates, Inc. |
| John Hecht | Jefferies LLC |