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WRLD

BEARISH
$152.08 Live
World Acceptance Corporation · NASDAQ
Target $130.0 (-14.5%)
$110.0 52W Range $185.48
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 24, 2026
Market cap
$766.19M
P/E
19.55
ROE
11.0%
Profit margin
7.5%
Debt/Equity
2.14
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
WRLD exhibits significant valuation misalignment, trading at $152.08 despite a Graham Number of $113.74 and an Intrinsic Value of $54.46. The Piotroski F-Score of 4/9 indicates only stable health, while financial performance has deteriorated sharply with a -107.8% YoY EPS growth and four consecutive earnings misses. Bearish insider activity from the CEO and CFO, combined with a technical trend of 0/100, suggests a lack of confidence in current price levels. The company's reliance on subprime installment loans exposes it to high credit risk and regulatory scrutiny.

Key Strengths

Strong gross margins at 67.77%
Low PEG ratio (0.70) suggesting potential value if growth stabilizes
Very high current ratio (21.66) indicating strong short-term liquidity
Positive 3-year and 5-year price performance
Diversification into tax preparation services showing 26% revenue growth

Key Risks

Severe earnings collapse with -107.8% YoY EPS growth
Consistent failure to meet earnings estimates (0/4 beats in last 4 quarters)
High Debt/Equity ratio of 2.14
Exposure to 'predatory lending' public perception and regulatory risk
Declining gross loans receivable trend from $1.39B to $1.23B
AI Fair Value Estimate
Based on comprehensive analysis
$105.0
-31.0% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
29
Weak
Value
30
Future
20
Past
50
Health
45
Dividend
0
AI Verdict
Overvalued with deteriorating fundamentals
Key drivers: Earnings misses, Price-to-Intrinsic Value gap, Insider selling, Negative EPS growth
Confidence
90%
Value
30/100

P/E of 19.55 is moderate, but the price is disconnected from deterministic fair value models.

Positives
  • Low PEG ratio
Watchpoints
  • Price significantly exceeds Graham Number ($113.74)
  • Price nearly 3x the growth-based Intrinsic Value ($54.46)
Future
20/100

Growth metrics are currently in a state of collapse.

Positives
  • Tax prep business growth
Watchpoints
  • Stagnant YoY revenue growth (1.90%)
  • Catastrophic YoY EPS growth (-107.8%)
  • Negative average earnings surprise (-114.36%)
Past
50/100

Historical gains are being erased by recent fundamental decay.

Positives
  • Strong 3Y change (+62.6%)
Watchpoints
  • Recent quarterly earnings progression is sharply negative
Health
45/100

Stable but fragile health; high leverage is a concern in a high-interest environment.

Positives
  • High liquidity ratios
Watchpoints
  • Piotroski F-Score of 4/9 is only mediocre
  • High Debt/Equity (2.14)
Dividend
0/100

Non-dividend paying stock.

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$152.08
Analyst Target
$130.0
Upside/Downside
-14.5%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for WRLD and closest competitors.

Updated 2026-04-23
WRL
World Acceptance Corporation
Primary
5Y
+15.9%
3Y
+62.6%
1Y
+17.4%
6M
-1.9%
1M
+12.2%
1W
+16.2%
AXG
Solowin Holdings
Peer
5Y
-32.4%
3Y
-32.4%
1Y
+152.2%
6M
+8.9%
1M
-3.8%
1W
-4.0%
ORR
Orrstown Financial Services, Inc.
Peer
5Y
+97.5%
3Y
+126.2%
1Y
+49.2%
6M
+18.0%
1M
+11.3%
1W
+0.7%
GSB
Great Southern Bancorp, Inc.
Peer
5Y
+38.0%
3Y
+46.4%
1Y
+37.8%
6M
+16.2%
1M
+12.0%
1W
+5.8%
AIO
Virtus Artificial Intelligence & Technology Opportunities Fund
Peer
5Y
+44.0%
3Y
+81.7%
1Y
+1.9%
6M
+0.2%
1M
+2.7%
1W
-1.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
19.55
Forward P/E
14.17
PEG Ratio
0.7
P/B Ratio
2.06
P/S Ratio
1.34
EV/Revenue
2.56
EV/EBITDA
13.14
Market Cap
$766.19M

Profitability

Profit margins and return metrics

Profit Margin 7.46%
Operating Margin 8.33%
Gross Margin 67.77%
ROE 10.97%
ROA 5.67%

Growth

Revenue and earnings growth rates

Revenue Growth +1.9%
Earnings Growth N/A
Q/Q Revenue Growth +0.89%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
2.14
High debt
Current Ratio
21.66
Strong
Quick Ratio
20.94
Excellent
Cash/Share
$2.1

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
-0.7%
Total Assets
$1.1B
Liabilities
$0.8B
Equity
$0.4B
Debt/Equity
2.25x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
99%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30
$N/A
2026-01-27
$-0.19
-120.4% surprise
2025-10-23
$-0.38
-134.2% surprise
2025-07-24
$0.25
-88.4% surprise

Financial Services Sector Comparison

Comparing WRLD against 697 companies in the Financial Services sector (120 bullish, 285 neutral, 292 bearish)
P/E Ratio
19.55
This Stock
vs
38.65
Sector Avg
-49.4% (Discount)
Return on Equity (ROE)
10.97%
This Stock
vs
-2.77%
Sector Avg
-496.4% (Below Avg)
Profit Margin
7.46%
This Stock
vs
60.34%
Sector Avg
-87.6% (Weaker)
Debt to Equity
2.14
This Stock
vs
1.43
Sector Avg
+50.0% (Higher)
Revenue Growth
1.9%
This Stock
vs
39.95%
Sector Avg
-95.2% (Slower)
Current Ratio
21.66
This Stock
vs
3.42
Sector Avg
+532.4% (Stronger)

Similar Companies

Peer comparison within the same industry

WRLD World Acceptance...
BEARISH
Mkt Cap
$766M
P/E
19.5
ROE
11.0%
Price
$152.08
AXG Solowin Holdings
BEARISH
Mkt Cap
$771M
P/E
-
ROE
-3.7%
Price
$4.11
 Compare with WRLD
ORRF Orrstown...
BULLISH
Mkt Cap
$759M
P/E
9.3
ROE
14.6%
Price
$38.69
 Compare with WRLD
GSBC Great Southern...
NEUTRAL
Mkt Cap
$758M
P/E
10.9
ROE
11.5%
Price
$67.77
 Compare with WRLD
AIO Virtus...
BEARISH
Mkt Cap
$778M
P/E
5.4
ROE
-%
Price
$22.6
 Compare with WRLD

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

MATRICCIANI JANET LEWIS
Chief Executive Officer
Stock Award
2026-04-16
7,095 shares
CALMES JOHN L JR.
Chief Financial Officer
Sell
2026-03-10
1,000 shares · $141,880
TURNER JAMES TOBIN
Chief Operating Officer
Stock Award
2026-02-17
6,000 shares
PRASHAD RAVIN CHAD
Chief Executive Officer
Gift
2025-12-19
6,300 shares
PRASHAD RAVIN CHAD
Chief Executive Officer
Sell
2025-12-18
3,000 shares · $442,997
CALMES JOHN L JR.
Chief Financial Officer
Sell
2025-12-17
1,000 shares · $149,213
DYER DANIEL CLINTON
Officer
Sell
2025-12-16
8,946 shares · $1,333,043
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
FORM 8-K
2026-04-15

WRLD filed an 8-K on April 15, 2026, likely to announce its annual or quarterly financial results.

8-K
FORM 8-K
2026-02-17

WRLD filed an 8-K on February 17, 2026, likely to announce its annual financial results.

8-K
8-K
2026-02-11

WRLD filed an 8-K on February 11, 2026, likely to announce its fourth-quarter and full-year financial results.

10-Q
10-Q
2026-02-09

WRLD submitted its 10-Q filing on February 9, 2026, though specific financial highlights were not provided in the available excerpts. The company reported no material changes to the risk factors previously disclosed in its fiscal 2025 Annual Report.

8-K
FORM 8-K
2026-01-27

WRLD filed a Form 8-K on January 27, 2026, likely to announce its annual financial results.

8-K
FORM 8-K
2025-12-04
10-Q
10-Q
2025-11-06

WRLD filed its quarterly 10-Q report on November 6, 2025. The company reported no material changes to the risk factors previously disclosed in its fiscal 2025 Annual Report. No specific financial highlights were provided in the available excerpts.

8-K
FORM 8-K
2025-10-23

WRLD filed a Form 8-K on October 23, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-10-03

WRLD filed an 8-K on October 3, 2025, likely announcing its third-quarter financial results.

8-K
8-K
2025-08-22
10-Q
10-Q
2025-08-06
8-K
FORM 8-K
2025-07-24
DEF 14A
DEF 14A
2025-07-23
8-K
8-K
2025-06-13
10-K
10-K
2025-05-22
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning WRLD from our newsroom.

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