WORLD ACCEPTANCE CORP (WRLD) Fundamental Analysis & Valuation

NASDAQ:WRLD • US9814191048

Current stock price

133.61 USD
+3.11 (+2.38%)
Last:

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.
  • WRLD had a positive operating cash flow in the past year.
  • Each year in the past 5 years WRLD has been profitable.
  • In the past 5 years WRLD always reported a positive cash flow from operatings.
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 has a Return On Assets of 3.74%. This is in the better half of the industry: WRLD outperforms 61.11% of its industry peers.
  • With a Return On Equity value of 12.16%, WRLD perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
  • The Return On Invested Capital of WRLD (4.48%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for WRLD is significantly below the industry average of 12.01%.
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

  • WRLD has a worse Profit Margin (7.46%) than 64.81% of its industry peers.
  • WRLD's Profit Margin has improved in the last couple of years.
  • 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.
  • Looking at the Gross Margin, with a value of 92.33%, WRLD belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
  • WRLD's Gross Margin has been stable in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 5 years ago, WRLD has less shares outstanding
  • WRLD has a better debt/assets ratio than last year.
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 1.14, we must say that WRLD is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.14, WRLD is doing good in the industry, outperforming 68.52% of the companies in the same industry.
  • WRLD has a debt to FCF ratio of 2.69. This is a good value and a sign of high solvency as WRLD would need 2.69 years to pay back of all of its debts.
  • The Debt to FCF ratio of WRLD (2.69) is better than 79.63% 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.
  • The Debt to Equity ratio of WRLD (1.93) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.93
Debt/FCF 2.69
Altman-Z 1.14
ROIC/WACC0.52
WACC8.66%
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

  • WRLD has a Current Ratio of 0.09. 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 Current ratio of WRLD (0.09) is worse than 75.93% of its industry peers.
  • 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: 75.93% 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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%.
  • WRLD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.94% yearly.
  • The Revenue has been growing slightly by 2.61% 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)-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

  • WRLD is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.95% yearly.
  • 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-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

  • 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.
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

  • Based on the Price/Earnings ratio of 17.11, the valuation of WRLD can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of WRLD indicates a slightly more expensive valuation: WRLD is more expensive than 75.93% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.89. WRLD is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 9.58, the valuation of WRLD can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WRLD is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of WRLD to the average of the S&P500 Index (22.19), we can say WRLD is valued rather cheaply.
Industry RankSector Rank
PE 17.11
Fwd PE 9.58
WRLD Price Earnings VS Forward Price EarningsWRLD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • WRLD's Enterprise Value to EBITDA is on the same level as the industry average.
  • WRLD's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WRLD is cheaper than 70.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.62
EV/EBITDA 19.43
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

  • WRLD has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.52
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

  • No dividends for WRLD!.
Industry RankSector Rank
Dividend Yield 0%

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WRLD Fundamentals: All Metrics, Ratios and Statistics

WORLD ACCEPTANCE CORP

NASDAQ:WRLD (3/30/2026, 3:58:10 PM)

133.61

+3.11 (+2.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners86.1%
Inst Owner Change2.07%
Ins Owners19.03%
Ins Owner Change-4.5%
Market Cap660.03M
Revenue(TTM)573.44M
Net Income(TTM)42.76M
Analysts43.33
Price Target153 (14.51%)
Short Float %7.65%
Short Ratio2.66
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 17.11
Fwd PE 9.58
P/S 1.15
P/FCF 2.62
P/OCF 2.58
P/B 1.88
P/tB 1.95
EV/EBITDA 19.43
EPS(TTM)7.81
EY5.85%
EPS(NY)13.95
Fwd EY10.44%
FCF(TTM)51.03
FCFY38.19%
OCF(TTM)51.76
OCFY38.74%
SpS116.08
BVpS71.17
TBVpS68.67
PEG (NY)N/A
PEG (5Y)0.52
Graham Number111.84
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 1.14
F-Score5
WACC8.66%
ROIC/WACC0.52
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.


What is the valuation status for 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.


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 -46.71% in the next year.