WORLD ACCEPTANCE CORP (WRLD) Fundamental Analysis & Valuation

NASDAQ:WRLD • US9814191048

Current stock price

147.76 USD
-1.54 (-1.03%)
At close:
147.76 USD
0 (0%)
After Hours:

This WRLD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. WRLD Profitability Analysis

1.1 Basic Checks

  • WRLD had positive earnings in the past year.
  • In the past year WRLD had a positive cash flow from operations.
  • Each year in the past 5 years WRLD has been profitable.
  • Each year in the past 5 years WRLD had a positive operating cash flow.
WRLD Yearly Net Income VS EBIT VS OCF VS FCFWRLD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • WRLD's Return On Assets of 3.74% is fine compared to the rest of the industry. WRLD outperforms 62.96% of its industry peers.
  • WRLD has a Return On Equity (12.16%) which is in line with its industry peers.
  • With a Return On Invested Capital value of 4.48%, WRLD perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
  • WRLD had an Average Return On Invested Capital over the past 3 years of 6.82%. This is below the industry average of 9.60%.
Industry RankSector Rank
ROA 3.74%
ROE 12.16%
ROIC 4.48%
ROA(3y)6.04%
ROA(5y)6.36%
ROE(3y)14.72%
ROE(5y)16.08%
ROIC(3y)6.82%
ROIC(5y)7.24%
WRLD Yearly ROA, ROE, ROICWRLD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 7.46%, WRLD is doing worse than 64.81% of the companies in the same industry.
  • In the last couple of years the Profit Margin of WRLD has grown nicely.
  • WRLD has a Operating Margin (10.17%) which is in line with its industry peers.
  • WRLD's Operating Margin has improved in the last couple of years.
  • WRLD has a Gross Margin of 92.33%. This is amongst the best in the industry. WRLD outperforms 83.33% of its industry peers.
  • In the last couple of years the Gross Margin of WRLD has remained more or less at the same level.
Industry RankSector Rank
OM 10.17%
PM (TTM) 7.46%
GM 92.33%
OM growth 3Y20.38%
OM growth 5Y27.14%
PM growth 3Y19.74%
PM growth 5Y27.16%
GM growth 3Y-0.71%
GM growth 5Y-0.71%
WRLD Yearly Profit, Operating, Gross MarginsWRLD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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3

2. WRLD Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WRLD is destroying value.
  • The number of shares outstanding for WRLD has been reduced compared to 1 year ago.
  • WRLD has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, WRLD has an improved debt to assets ratio.
WRLD Yearly Shares OutstandingWRLD Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
WRLD Yearly Total Debt VS Total AssetsWRLD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 1.21, we must say that WRLD is in the distress zone and has some risk of bankruptcy.
  • WRLD has a Altman-Z score of 1.21. This is in the better half of the industry: WRLD outperforms 64.81% of its industry peers.
  • The Debt to FCF ratio of WRLD is 2.69, which is a good value as it means it would take WRLD, 2.69 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of WRLD (2.69) is better than 77.78% of its industry peers.
  • WRLD has a Debt/Equity ratio of 1.93. This is a high value indicating a heavy dependency on external financing.
  • WRLD has a Debt to Equity ratio (1.93) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.93
Debt/FCF 2.69
Altman-Z 1.21
ROIC/WACC0.51
WACC8.83%
WRLD Yearly LT Debt VS Equity VS FCFWRLD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that WRLD may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.09, WRLD is doing worse than 77.78% of the companies in the same industry.
  • A Quick Ratio of 0.09 indicates that WRLD may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.09, WRLD is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
WRLD Yearly Current Assets VS Current LiabilitesWRLD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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3

3. WRLD Growth Analysis

3.1 Past

  • WRLD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -45.46%.
  • Measured over the past years, WRLD shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.94% on average per year.
  • WRLD shows a small growth in Revenue. In the last year, the Revenue has grown by 2.61%.
  • WRLD shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.87% yearly.
EPS 1Y (TTM)-45.46%
EPS 3Y24.44%
EPS 5Y32.94%
EPS Q2Q%-107.76%
Revenue 1Y (TTM)2.61%
Revenue growth 3Y-1.02%
Revenue growth 5Y-0.87%
Sales Q2Q%1.89%

3.2 Future

  • Based on estimates for the next years, WRLD will show a small growth in Earnings Per Share. The EPS will grow by 0.95% on average per year.
  • Based on estimates for the next years, WRLD will show a small growth in Revenue. The Revenue will grow by 3.81% on average per year.
EPS Next Y-46.71%
EPS Next 2Y-7.65%
EPS Next 3Y0.95%
EPS Next 5YN/A
Revenue Next Year-1.62%
Revenue Next 2Y2.37%
Revenue Next 3Y3.81%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
WRLD Yearly Revenue VS EstimatesWRLD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
WRLD Yearly EPS VS EstimatesWRLD Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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4

4. WRLD Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 18.92, which indicates a rather expensive current valuation of WRLD.
  • 68.52% of the companies in the same industry are cheaper than WRLD, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.66, WRLD is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 10.59, the valuation of WRLD can be described as very reasonable.
  • WRLD's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 38.00. WRLD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 18.92
Fwd PE 10.59
WRLD Price Earnings VS Forward Price EarningsWRLD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • WRLD's Enterprise Value to EBITDA is on the same level as the industry average.
  • 68.52% of the companies in the same industry are more expensive than WRLD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.9
EV/EBITDA 20.69
WRLD Per share dataWRLD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The decent profitability rating of WRLD may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2Y-7.65%
EPS Next 3Y0.95%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. WRLD Dividend Analysis

5.1 Amount

  • WRLD does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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WRLD Fundamentals: All Metrics, Ratios and Statistics

WORLD ACCEPTANCE CORP

NASDAQ:WRLD (4/21/2026, 8:18:47 PM)

After market: 147.76 0 (0%)

147.76

-1.54 (-1.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-30
Inst Owners86.23%
Inst Owner Change-0.89%
Ins Owners19.01%
Ins Owner Change-5.46%
Market Cap729.93M
Revenue(TTM)573.44M
Net Income(TTM)42.76M
Analysts43.33
Price Target153 (3.55%)
Short Float %10.94%
Short Ratio3.19
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-124.44%
Min EPS beat(2)-125%
Max EPS beat(2)-123.88%
EPS beat(4)1
Avg EPS beat(4)-75.23%
Min EPS beat(4)-125%
Max EPS beat(4)36.6%
EPS beat(8)5
Avg EPS beat(8)-17.53%
EPS beat(12)9
Avg EPS beat(12)23.03%
EPS beat(16)10
Avg EPS beat(16)-90.42%
Revenue beat(2)2
Avg Revenue beat(2)2.53%
Min Revenue beat(2)1.94%
Max Revenue beat(2)3.11%
Revenue beat(4)4
Avg Revenue beat(4)4.01%
Min Revenue beat(4)1.94%
Max Revenue beat(4)6.11%
Revenue beat(8)6
Avg Revenue beat(8)0.76%
Revenue beat(12)9
Avg Revenue beat(12)1.41%
Revenue beat(16)10
Avg Revenue beat(16)0.45%
PT rev (1m)0%
PT rev (3m)-3.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.61%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.2%
Valuation
Industry RankSector Rank
PE 18.92
Fwd PE 10.59
P/S 1.27
P/FCF 2.9
P/OCF 2.85
P/B 2.08
P/tB 2.15
EV/EBITDA 20.69
EPS(TTM)7.81
EY5.29%
EPS(NY)13.95
Fwd EY9.44%
FCF(TTM)51.03
FCFY34.53%
OCF(TTM)51.76
OCFY35.03%
SpS116.08
BVpS71.17
TBVpS68.67
PEG (NY)N/A
PEG (5Y)0.57
Graham Number111.835 (-24.31%)
Profitability
Industry RankSector Rank
ROA 3.74%
ROE 12.16%
ROCE 5.67%
ROIC 4.48%
ROICexc 4.52%
ROICexgc 3.44%
OM 10.17%
PM (TTM) 7.46%
GM 92.33%
FCFM 43.96%
ROA(3y)6.04%
ROA(5y)6.36%
ROE(3y)14.72%
ROE(5y)16.08%
ROIC(3y)6.82%
ROIC(5y)7.24%
ROICexc(3y)6.91%
ROICexc(5y)7.35%
ROICexgc(3y)5.34%
ROICexgc(5y)5.69%
ROCE(3y)8.64%
ROCE(5y)9.16%
ROICexgc growth 3Y27.55%
ROICexgc growth 5Y25.35%
ROICexc growth 3Y26.4%
ROICexc growth 5Y25.3%
OM growth 3Y20.38%
OM growth 5Y27.14%
PM growth 3Y19.74%
PM growth 5Y27.16%
GM growth 3Y-0.71%
GM growth 5Y-0.71%
F-Score5
Asset Turnover0.5
Health
Industry RankSector Rank
Debt/Equity 1.93
Debt/FCF 2.69
Debt/EBITDA 10.03
Cap/Depr 39.36%
Cap/Sales 0.63%
Interest Coverage 1.35
Cash Conversion 378.61%
Profit Quality 589.46%
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z 1.21
F-Score5
WACC8.83%
ROIC/WACC0.51
Cap/Depr(3y)48.35%
Cap/Depr(5y)66.8%
Cap/Sales(3y)0.88%
Cap/Sales(5y)1.35%
Profit Quality(3y)654.4%
Profit Quality(5y)537%
High Growth Momentum
Growth
EPS 1Y (TTM)-45.46%
EPS 3Y24.44%
EPS 5Y32.94%
EPS Q2Q%-107.76%
EPS Next Y-46.71%
EPS Next 2Y-7.65%
EPS Next 3Y0.95%
EPS Next 5YN/A
Revenue 1Y (TTM)2.61%
Revenue growth 3Y-1.02%
Revenue growth 5Y-0.87%
Sales Q2Q%1.89%
Revenue Next Year-1.62%
Revenue Next 2Y2.37%
Revenue Next 3Y3.81%
Revenue Next 5YN/A
EBIT growth 1Y-42.8%
EBIT growth 3Y19.16%
EBIT growth 5Y26.03%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.77%
FCF growth 3Y-2.02%
FCF growth 5Y-0.38%
OCF growth 1Y-4.47%
OCF growth 3Y-2.28%
OCF growth 5Y-1.99%

WORLD ACCEPTANCE CORP / WRLD Fundamental Analysis FAQ

What is the ChartMill fundamental rating of WORLD ACCEPTANCE CORP (WRLD) stock?

ChartMill assigns a fundamental rating of 4 / 10 to WRLD.


Can you provide the valuation status for WORLD ACCEPTANCE CORP?

ChartMill assigns a valuation rating of 4 / 10 to WORLD ACCEPTANCE CORP (WRLD). This can be considered as Fairly Valued.


How profitable is WORLD ACCEPTANCE CORP (WRLD) stock?

WORLD ACCEPTANCE CORP (WRLD) has a profitability rating of 6 / 10.


What is the valuation of WORLD ACCEPTANCE CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for WORLD ACCEPTANCE CORP (WRLD) is 18.92 and the Price/Book (PB) ratio is 2.08.


Can you provide the financial health for WRLD stock?

The financial health rating of WORLD ACCEPTANCE CORP (WRLD) is 3 / 10.