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Company Analysis

World Acceptance Corporation WRLD

A comprehensive view of key metrics, scores, and financial health for World Acceptance Corporation

Overview of World Acceptance Corporation

WRLD NMS
Financial Services Credit Services Small Cap
World Acceptance Corporation (WRLD), is a Small Cap company, in the Credit Services industry, last closed at $133.81, about 42.8% overvalued vs fair value, +8.3% 1Y return, ranked 760/1004 in sector.
$133.81
-1.67%
As of March 13, 2026
Previous close • Vol 90d: 53.7%
52-Week Range
Market Cap
$686.10M
Enterprise Value
$1.43B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.loansbyworld.com
HQ Greenville, SC
Employees 2,838
Fiscal year Mar 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$42
$76
$143
Current: $133.81 -43% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$465.1M
-0.7%%
Interest Expense
$42.7M
Net Interest Income
$422.4M
0.5%%
Total Revenue
$522.1M
-0.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
20.4%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$54.9M
61.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating World Acceptance Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
49
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing WRLD's balance between Growth (27.1%), Profitability (37.6%), and Safety (35.3%). Growth 27% Safety 35% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

35th percentile vs peers
36
Key Signals
EPS CAGR 3Y 24.4% 87p EPS Growth YoY 25.1% 47p Revenue CAGR 3Y -1.8% 26p Rev Growth YoY -0.5% 20p TSR -56.5% 6p
Strengths
  • Eps Cagr 3Y in top 20% of peers (24.4%, 87th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Quick Ratio in top 20% of peers ($17.6K, 97th percentile)
  • Consistently strong margins across 3 metrics
  • Strong liquidity position vs peers
Risks
  • Rev Growth Yoy in bottom 20% of peers (-0.5%)
  • Growth below peer median (percentile: 35)

Profitability

49th percentile vs peers
50
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
47
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for World Acceptance Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$76.48
- - -
-42.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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