154.66 USD
-0.96 (-0.62%)
WRLD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 55 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.
WRLD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of WRLD (5.37%) is better than 76.36% of its industry peers.
Looking at the Return On Equity, with a value of 15.61%, WRLD is in the better half of the industry, outperforming 63.64% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.26%, WRLD is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for WRLD is below the industry average of 11.33%.
| 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
The Profit Margin of WRLD (10.00%) is comparable to the rest of the industry.
WRLD's Profit Margin has improved in the last couple of years.
WRLD's Operating Margin of 13.21% is in line compared to the rest of the industry. WRLD outperforms 54.55% of its industry peers.
In the last couple of years the Operating Margin of WRLD has grown nicely.
With an excellent Gross Margin value of 92.56%, WRLD belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
WRLD's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), WRLD is destroying value.
Compared to 1 year ago, WRLD has less shares outstanding
The number of shares outstanding for WRLD has been reduced compared to 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 1.46. This is a bad value and indicates that WRLD is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of WRLD (1.46) is better than 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 83.64% of its industry peers.
WRLD has a Debt/Equity ratio of 1.60. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of WRLD (1.60) is comparable to the rest of the industry.
Although WRLD does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.6 | ||
| Debt/FCF | 2.29 | ||
| Altman-Z | 1.46 |
ROIC/WACC0.56
WACC11.12%
2.3 Liquidity
A Current Ratio of 0.13 indicates that WRLD may have some problems paying its short term obligations.
The Current ratio of WRLD (0.13) is worse than 78.18% of its industry peers.
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.
The Quick ratio of WRLD (0.13) is worse 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%.
The Earnings Per Share has been growing by 32.94% on average over the past years. This is a very strong growth
WRLD shows a small growth in Revenue. In the last year, the Revenue has grown by 2.31%.
WRLD shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.87% yearly.
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
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.
WRLD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.81% yearly.
EPS Next Y-29.67%
EPS Next 2Y-6.21%
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
The Price/Earnings ratio is 14.80, which indicates a correct valuation of WRLD.
Based on the Price/Earnings ratio, WRLD is valued a bit more expensive than 61.82% of the companies in the same industry.
When comparing the Price/Earnings ratio of WRLD to the average of the S&P500 Index (26.15), we can say WRLD is valued slightly cheaper.
A Price/Forward Earnings ratio of 10.75 indicates a reasonable valuation of WRLD.
The rest of the industry has a similar Price/Forward Earnings ratio as WRLD.
The average S&P500 Price/Forward Earnings ratio is at 36.12. WRLD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.8 | ||
| Fwd PE | 10.75 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as WRLD.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WRLD indicates a somewhat cheap valuation: WRLD is cheaper than 70.91% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.05 | ||
| EV/EBITDA | 15.95 |
4.3 Compensation for Growth
The decent profitability rating of WRLD may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.45
EPS Next 2Y-6.21%
EPS Next 3Y0.95%
5. Dividend
5.1 Amount
WRLD does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:WRLD (11/28/2025, 1:30:02 PM)
154.66
-0.96 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners76.76%
Inst Owner Change-8.43%
Ins Owners18.24%
Ins Owner Change10.29%
Market Cap779.49M
Revenue(TTM)570.82M
Net Income(TTM)57.06M
Analysts45.71
Price Target159.12 (2.88%)
Short Float %5.16%
Short Ratio3.82
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)-0.95%
PT rev (3m)-0.95%
EPS NQ rev (1m)-50.94%
EPS NQ rev (3m)-55.93%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.69%
Revenue NQ rev (1m)0.76%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)1.07%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.8 | ||
| Fwd PE | 10.75 | ||
| P/S | 1.37 | ||
| P/FCF | 3.05 | ||
| P/OCF | 3.01 | ||
| P/B | 2.13 | ||
| P/tB | 2.21 | ||
| EV/EBITDA | 15.95 |
EPS(TTM)10.45
EY6.76%
EPS(NY)14.39
Fwd EY9.31%
FCF(TTM)50.66
FCFY32.76%
OCF(TTM)51.36
OCFY33.21%
SpS113.26
BVpS72.55
TBVpS69.94
PEG (NY)N/A
PEG (5Y)0.45
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 | 1.46 |
F-Score7
WACC11.12%
ROIC/WACC0.56
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-29.67%
EPS Next 2Y-6.21%
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 -29.67% in the next year.