143.73 USD
-10.97 (-7.09%)
143.73 USD
0 (0%)
Overall WRLD gets a fundamental rating of 4 out of 10. We evaluated WRLD against 55 industry peers in the Consumer Finance industry. WRLD has only an average score on both its financial health and profitability. WRLD is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year WRLD was profitable.
In the past year WRLD had a positive cash flow from operations.
Each year in the past 5 years WRLD has been profitable.
WRLD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.37%, WRLD is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
WRLD has a better Return On Equity (15.61%) than 61.82% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.26%, WRLD is in the better half of the industry, outperforming 65.45% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for WRLD is significantly below the industry average of 12.59%.
| 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
WRLD has a Profit Margin of 10.00%. This is comparable to the rest of the industry: WRLD outperforms 49.09% of its industry peers.
WRLD's Profit Margin has improved in the last couple of years.
WRLD has a Operating Margin (13.21%) which is in line with its industry peers.
In the last couple of years the Operating Margin of WRLD has grown nicely.
The Gross Margin of WRLD (92.56%) is better than 87.27% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WRLD 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.
WRLD has a better debt/assets ratio than last year.
2.2 Solvency
WRLD has an Altman-Z score of 1.41. 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 1.41 is fine compared to the rest of the industry. WRLD outperforms 69.09% 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 better Debt to FCF ratio (2.29) than 85.45% 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 | 1.41 |
ROIC/WACC0.59
WACC10.69%
2.3 Liquidity
WRLD has a Current Ratio of 0.13. This is a bad value and indicates that WRLD is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.13, WRLD is doing worse than 78.18% of the companies in the same industry.
WRLD has a Quick Ratio of 0.13. This is a bad value and indicates that WRLD is not financially healthy enough and could expect problems in meeting its short term obligations.
WRLD has a worse Quick ratio (0.13) than 78.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 |
3. Growth
3.1 Past
WRLD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.96%.
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.
The Revenue has been growing slightly by 2.31% in the past 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)-28.96%
EPS 3Y24.44%
EPS 5Y32.94%
EPS Q2Q%-109.52%
Revenue 1Y (TTM)2.31%
Revenue growth 3Y-1.02%
Revenue growth 5Y-0.87%
Sales Q2Q%2.33%
3.2 Future
WRLD is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.95% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.75, WRLD is valued correctly.
Based on the Price/Earnings ratio, WRLD is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.49. WRLD is valued slightly cheaper when compared to this.
WRLD is valuated reasonably with a Price/Forward Earnings ratio of 10.12.
The rest of the industry has a similar Price/Forward Earnings ratio as WRLD.
When comparing the Price/Forward Earnings ratio of WRLD to the average of the S&P500 Index (23.69), we can say WRLD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.75 | ||
| Fwd PE | 10.12 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as WRLD.
Based on the Price/Free Cash Flow ratio, WRLD is valued a bit cheaper than the industry average as 72.73% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.84 | ||
| EV/EBITDA | 15.24 |
4.3 Compensation for Growth
WRLD has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.42
EPS Next 2Y-6.84%
EPS Next 3Y0.95%
5. Dividend
5.1 Amount
No dividends for WRLD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
143.73
-10.97 (-7.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners82.62%
Inst Owner Change-8.43%
Ins Owners19.71%
Ins Owner Change10.64%
Market Cap724.40M
Revenue(TTM)570.82M
Net Income(TTM)57.06M
Analysts45.71
Price Target159.12 (10.71%)
Short Float %6.39%
Short Ratio3.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-106.81%
Min EPS beat(2)-125%
Max EPS beat(2)-88.63%
EPS beat(4)2
Avg EPS beat(4)-38.54%
Min EPS beat(4)-125%
Max EPS beat(4)36.6%
EPS beat(8)6
Avg EPS beat(8)3.96%
EPS beat(12)10
Avg EPS beat(12)39.58%
EPS beat(16)10
Avg EPS beat(16)-85.04%
Revenue beat(2)2
Avg Revenue beat(2)4.61%
Min Revenue beat(2)3.11%
Max Revenue beat(2)6.11%
Revenue beat(4)4
Avg Revenue beat(4)4.3%
Min Revenue beat(4)3.11%
Max Revenue beat(4)6.11%
Revenue beat(8)6
Avg Revenue beat(8)0.95%
Revenue beat(12)8
Avg Revenue beat(12)0.82%
Revenue beat(16)9
Avg Revenue beat(16)0.25%
PT rev (1m)0%
PT rev (3m)-0.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-50.94%
EPS NY rev (1m)-23.23%
EPS NY rev (3m)-32.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.75 | ||
| Fwd PE | 10.12 | ||
| P/S | 1.27 | ||
| P/FCF | 2.84 | ||
| P/OCF | 2.8 | ||
| P/B | 1.98 | ||
| P/tB | 2.05 | ||
| EV/EBITDA | 15.24 |
EPS(TTM)10.45
EY7.27%
EPS(NY)14.2
Fwd EY9.88%
FCF(TTM)50.66
FCFY35.25%
OCF(TTM)51.36
OCFY35.73%
SpS113.26
BVpS72.55
TBVpS69.94
PEG (NY)N/A
PEG (5Y)0.42
Graham Number130.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.37% | ||
| ROE | 15.61% | ||
| ROCE | 7.93% | ||
| ROIC | 6.26% | ||
| ROICexc | 6.36% | ||
| ROICexgc | 4.87% | ||
| OM | 13.21% | ||
| PM (TTM) | 10% | ||
| GM | 92.56% | ||
| FCFM | 44.73% |
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-Score7
Asset Turnover0.54
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.6 | ||
| Debt/FCF | 2.29 | ||
| Debt/EBITDA | 6.88 | ||
| Cap/Depr | 36.84% | ||
| Cap/Sales | 0.62% | ||
| Interest Coverage | 1.62 | ||
| Cash Conversion | 304.82% | ||
| Profit Quality | 447.44% | ||
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 | ||
| Altman-Z | 1.41 |
F-Score7
WACC10.69%
ROIC/WACC0.59
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)-28.96%
EPS 3Y24.44%
EPS 5Y32.94%
EPS Q2Q%-109.52%
EPS Next Y-46.01%
EPS Next 2Y-6.84%
EPS Next 3Y0.95%
EPS Next 5YN/A
Revenue 1Y (TTM)2.31%
Revenue growth 3Y-1.02%
Revenue growth 5Y-0.87%
Sales Q2Q%2.33%
Revenue Next Year3.78%
Revenue Next 2Y3.64%
Revenue Next 3Y3.81%
Revenue Next 5YN/A
EBIT growth 1Y-28.06%
EBIT growth 3Y19.16%
EBIT growth 5Y26.03%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.16%
FCF growth 3Y-2.02%
FCF growth 5Y-0.38%
OCF growth 1Y-6.89%
OCF growth 3Y-2.28%
OCF growth 5Y-1.99%
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 of WORLD ACCEPTANCE CORP (WRLD) stock?
ChartMill assigns a valuation rating of 4 / 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.
What is the financial health of WORLD ACCEPTANCE CORP (WRLD) stock?
The financial health rating of WORLD ACCEPTANCE CORP (WRLD) is 4 / 10.
What is the expected EPS growth for WORLD ACCEPTANCE CORP (WRLD) stock?
The Earnings per Share (EPS) of WORLD ACCEPTANCE CORP (WRLD) is expected to decline by -46.01% in the next year.