121.25 USD
+1.72 (+1.44%)
At close: Jan 30, 2026
121.25 USD
0 (0%)
After Hours: 1/30/2026, 8:24:33 PM
We assign a fundamental rating of 4 out of 10 to WRLD. WRLD was compared to 54 industry peers in the Consumer Finance industry. Both the profitability and the financial health of WRLD get a neutral evaluation. Nothing too spectacular is happening here. WRLD has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- WRLD had positive earnings in the past year.
- In the past year WRLD had a positive cash flow from operations.
- In the past 5 years WRLD has always been profitable.
- Each year in the past 5 years WRLD had a positive operating cash flow.
1.2 Ratios
- WRLD has a Return On Assets of 5.37%. This is in the better half of the industry: WRLD outperforms 70.37% of its industry peers.
- WRLD has a Return On Equity of 15.61%. This is comparable to the rest of the industry: WRLD outperforms 59.26% of its industry peers.
- WRLD's Return On Invested Capital of 6.26% is fine compared to the rest of the industry. WRLD outperforms 62.96% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for WRLD is significantly below the industry average of 12.42%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.37% | ||
| ROE | 15.61% | ||
| ROIC | 6.26% |
ROA(3y)6.04%
ROA(5y)6.36%
ROE(3y)14.72%
ROE(5y)16.08%
ROIC(3y)6.82%
ROIC(5y)7.24%
1.3 Margins
- Looking at the Profit Margin, with a value of 10.00%, WRLD is in line with its industry, outperforming 44.44% of the companies in the same industry.
- WRLD's Profit Margin has improved in the last couple of years.
- WRLD has a Operating Margin of 13.21%. This is comparable to the rest of the industry: WRLD outperforms 51.85% of its industry peers.
- In the last couple of years the Operating Margin of WRLD has grown nicely.
- WRLD has a Gross Margin of 92.56%. This is amongst the best in the industry. WRLD outperforms 87.04% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.21% | ||
| PM (TTM) | 10% | ||
| GM | 92.56% |
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%
2. Health
2.1 Basic Checks
- WRLD has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- WRLD has less shares outstanding than it did 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.
2.2 Solvency
- WRLD has an Altman-Z score of 1.31. This is a bad value and indicates that WRLD is not financially healthy and even has some risk of bankruptcy.
- WRLD's Altman-Z score of 1.31 is fine compared to the rest of the industry. WRLD outperforms 70.37% of its industry peers.
- The Debt to FCF ratio of WRLD is 2.29, which is a good value as it means it would take WRLD, 2.29 years of fcf income to pay off all of its debts.
- WRLD has a Debt to FCF ratio of 2.29. This is amongst the best in the industry. WRLD outperforms 85.19% of its industry peers.
- A Debt/Equity ratio of 1.60 is on the high side and indicates that WRLD has dependencies on debt financing.
- The Debt to Equity ratio of WRLD (1.60) is comparable to the rest of the industry.
- Even though the debt/equity ratio score it not favorable for WRLD, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.6 | ||
| Debt/FCF | 2.29 | ||
| Altman-Z | 1.31 |
ROIC/WACC0.7
WACC8.94%
2.3 Liquidity
- A Current Ratio of 0.13 indicates that WRLD may have some problems paying its short term obligations.
- WRLD has a worse Current ratio (0.13) than 74.07% of its industry peers.
- A Quick Ratio of 0.13 indicates that WRLD may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.13, WRLD is doing worse than 74.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 |
3. Growth
3.1 Past
- The earnings per share for WRLD have decreased strongly by -45.46% in the last year.
- WRLD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.94% yearly.
- Looking at the last year, WRLD shows a decrease in Revenue. The Revenue has decreased by -1.46% in the last year.
- Measured over the past years, WRLD shows a decrease in Revenue. The Revenue has been decreasing by -0.87% on average per year.
EPS 1Y (TTM)-45.46%
EPS 3Y24.44%
EPS 5Y32.94%
EPS Q2Q%-107.76%
Revenue 1Y (TTM)-1.46%
Revenue growth 3Y-1.02%
Revenue growth 5Y-0.87%
Sales Q2Q%1.89%
3.2 Future
- The Earnings Per Share is expected to grow by 0.95% on average over the next years.
- 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-46.01%
EPS Next 2Y-6.84%
EPS Next 3Y0.95%
EPS Next 5YN/A
Revenue Next Year3.78%
Revenue Next 2Y3.64%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 15.52, WRLD is valued correctly.
- WRLD's Price/Earnings ratio is a bit more expensive when compared to the industry. WRLD is more expensive than 66.67% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. WRLD is valued slightly cheaper when compared to this.
- WRLD is valuated reasonably with a Price/Forward Earnings ratio of 8.54.
- Based on the Price/Forward Earnings ratio, WRLD is valued a bit cheaper than 61.11% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, WRLD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.52 | ||
| Fwd PE | 8.54 |
4.2 Price Multiples
- WRLD's Enterprise Value to EBITDA ratio is in line with the industry average.
- Based on the Price/Free Cash Flow ratio, WRLD is valued a bit cheaper than 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.39 | ||
| EV/EBITDA | 13.91 |
4.3 Compensation for Growth
- The decent profitability rating of WRLD may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.47
EPS Next 2Y-6.84%
EPS Next 3Y0.95%
5. Dividend
5.1 Amount
- WRLD does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
WORLD ACCEPTANCE CORP / WRLD FAQ
What is the ChartMill fundamental rating of WORLD ACCEPTANCE CORP (WRLD) stock?
ChartMill assigns a fundamental rating of 4 / 10 to WRLD.
What is the valuation status for WRLD stock?
ChartMill assigns a valuation rating of 5 / 10 to WORLD ACCEPTANCE CORP (WRLD). This can be considered as Fairly Valued.
What is the profitability of WRLD stock?
WORLD ACCEPTANCE CORP (WRLD) has a profitability rating of 6 / 10.
Can you provide the expected EPS growth for WRLD stock?
The Earnings per Share (EPS) of WORLD ACCEPTANCE CORP (WRLD) is expected to decline by -46.01% in the next year.