118.36 USD
-2.6 (-2.15%)
At close: Feb 4, 2026
118.36 USD
0 (0%)
After Hours: 2/4/2026, 4:01:56 PM
Overall WRLD gets a fundamental rating of 4 out of 10. We evaluated WRLD against 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 is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- WRLD had positive earnings in the past year.
- WRLD had a positive operating cash flow in the past year.
- WRLD had positive earnings in each of the past 5 years.
- Each year in the past 5 years WRLD had a positive operating cash flow.
1.2 Ratios
- WRLD has a better Return On Assets (5.37%) than 70.37% of its industry peers.
- With a Return On Equity value of 15.61%, WRLD perfoms like the industry average, outperforming 59.26% of the companies in the same industry.
- WRLD has a Return On Invested Capital of 6.26%. This is in the better half of the industry: WRLD outperforms 62.96% of its industry peers.
- WRLD had an Average Return On Invested Capital over the past 3 years of 6.82%. This 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 46.30% 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.
- WRLD's Operating Margin has improved in the last couple of years.
- WRLD has a better Gross Margin (92.56%) than 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
- 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.
2.2 Solvency
- Based on the Altman-Z score of 1.31, we must say that WRLD is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of WRLD (1.31) is better than 70.37% of its industry peers.
- WRLD has a debt to FCF ratio of 2.29. This is a good value and a sign of high solvency as WRLD would need 2.29 years to pay back of all of its debts.
- WRLD has a better Debt to FCF ratio (2.29) than 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.
- With a Debt to Equity ratio value of 1.60, WRLD perfoms like the industry average, outperforming 57.41% of the companies in the same 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
WACC8.91%
2.3 Liquidity
- A Current Ratio of 0.13 indicates that WRLD may have some problems paying its short term obligations.
- With a Current ratio value of 0.13, WRLD is not doing good in the industry: 74.07% of the companies in the same industry are doing better.
- A Quick Ratio of 0.13 indicates that WRLD may have some problems paying its short term obligations.
- WRLD has a worse Quick ratio (0.13) than 74.07% of its industry peers.
| 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.
- The Earnings Per Share has been growing by 32.94% on average over the past years. This is a very strong growth
- The Revenue has decreased by -1.46% in the past year.
- 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)-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-46.71%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 15.15, the valuation of WRLD can be described as correct.
- 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.
- WRLD is valuated rather cheaply when we compare the Price/Earnings ratio to 28.25, which is the current average of the S&P500 Index.
- WRLD is valuated reasonably with a Price/Forward Earnings ratio of 8.48.
- WRLD's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. WRLD is cheaper than 61.11% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.50, WRLD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 8.48 |
4.2 Price Multiples
- 61.11% of the companies in the same industry are more expensive than WRLD, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, WRLD is valued a bit cheaper than the industry average as 75.93% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.34 | ||
| EV/EBITDA | 13.89 |
4.3 Compensation for Growth
- The decent profitability rating of WRLD may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.46
EPS Next 2Y-7.65%
EPS Next 3Y0.95%
5. Dividend
5.1 Amount
- No dividends for WRLD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
118.36
-2.6 (-2.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27 2026-01-27/bmo
Earnings (Next)04-27 2026-04-27/bmo
Inst Owners82.68%
Inst Owner Change-0.8%
Ins Owners18.32%
Ins Owner Change-7.65%
Market Cap596.53M
Revenue(TTM)564.84M
Net Income(TTM)57.06M
Analysts45.71
Price Target153 (29.27%)
Short Float %6.86%
Short Ratio2.75
Dividend
| Industry Rank | Sector 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)-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%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-50.94%
EPS NY rev (1m)0%
EPS NY rev (3m)-23.23%
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 | 15.15 | ||
| Fwd PE | 8.48 | ||
| P/S | 1.05 | ||
| P/FCF | 2.34 | ||
| P/OCF | 2.3 | ||
| P/B | 1.63 | ||
| P/tB | 1.69 | ||
| EV/EBITDA | 13.89 |
EPS(TTM)7.81
EY6.6%
EPS(NY)13.95
Fwd EY11.79%
FCF(TTM)50.66
FCFY42.8%
OCF(TTM)51.36
OCFY43.39%
SpS113.26
BVpS72.55
TBVpS69.94
PEG (NY)N/A
PEG (5Y)0.46
Graham Number112.91
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 | 1.31 |
F-Score7
WACC8.91%
ROIC/WACC0.7
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)-1.46%
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-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 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 -46.71% in the next year.