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World Acceptance Corp (WRLD)
Price$149.30
Favorite Metrics
Price vs S&P 500 (26W)-17.82%
Price vs S&P 500 (4W)1.39%
Market Capitalization$761.23M
P/E Ratio (Annual)8.48x
All Metrics
P/CF (Annual)3.00x
Book Value / Share (Quarterly)$71.19
P/TBV (Annual)1.68x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)-1.02%
Cash Flow / Share (Quarterly)$51.04
Price vs S&P 500 (YTD)2.42%
Gross Margin (TTM)92.33%
Net Profit Margin (TTM)7.46%
EPS (TTM)$7.81
10-Day Avg Trading Volume0.16M
EPS Excl Extra (TTM)$7.81
Revenue Growth (5Y)-0.87%
EPS (Annual)$16.30
ROI (Annual)10.12%
Gross Margin (Annual)92.26%
Net Profit Margin (5Y Avg)11.77%
Cash / Share (Quarterly)$2.02
P/E Basic Excl Extra (TTM)17.80x
Revenue Growth QoQ (YoY)1.89%
EPS Growth (5Y)35.83%
P/E Normalized (Annual)8.48x
ROA (Last FY)8.91%
Revenue Growth TTM (YoY)2.61%
EBITD / Share (TTM)$11.21
ROE (5Y Avg)16.08%
Operating Margin (TTM)9.48%
Cash Flow / Share (Annual)$46.61
P/B Ratio2.17x
P/B Ratio (Quarterly)2.01x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)2.49x
ROA (TTM)4.04%
EV / EBITDA (TTM)24.77x
EPS Incl Extra (Annual)$16.30
Current Ratio (Annual)0.08x
Quick Ratio (Quarterly)0.09x
3-Month Avg Trading Volume0.13M
52-Week Price Return19.57%
EV / Free Cash Flow (Annual)5.71x
P/E Incl Extra (TTM)17.80x
Revenue / Employee (TTM)$0
Tangible BV / Share (Quarterly)$70.18
P/S Ratio (Annual)1.35x
Asset Turnover (Annual)0.56x
52-Week High$185.48
Operating Margin (5Y Avg)14.81%
EPS Excl Extra (Annual)$16.30
CapEx CAGR (5Y)-32.19%
Tangible BV CAGR (5Y)2.20%
26-Week Price Return-10.93%
Quick Ratio (Annual)0.08x
13-Week Price Return6.99%
Total Debt / Equity (Annual)1.02x
Current Ratio (Quarterly)0.09x
Enterprise Value$1,429.018
Revenue / Share Growth (5Y)6.82%
Asset Turnover (TTM)0.54x
Book Value / Share Growth (5Y)9.14%
Revenue / Employee (Annual)$0
Pretax Margin (Annual)19.83%
Cash / Share (Annual)$1.81
3-Month Return Std Dev59.79%
Gross Margin (5Y Avg)92.95%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)23.75%
ROE (Last FY)20.42%
EPS Basic Excl Extra (Annual)$16.30
P/FCF (TTM)3.02x
Receivables Turnover (TTM)0.84x
EV / Free Cash Flow (TTM)5.67x
Total Debt / Equity (Quarterly)1.93x
EPS Incl Extra (TTM)$7.81
Receivables Turnover (Annual)0.82x
ROI (TTM)4.54%
P/S Ratio (TTM)1.33x
Pretax Margin (5Y Avg)14.81%
Revenue / Share (Annual)$102.57
Tangible BV / Share (Annual)$80.40
Forward P/E19.22x
Free OCF CAGR (5Y)-0.38%
Price vs S&P 500 (52W)-15.06%
P/E Ratio (TTM)17.80x
EPS Growth TTM (YoY)-45.45%
Year-to-Date Return6.35%
5-Day Price Return7.70%
EPS Normalized (Annual)$16.30
ROA (5Y Avg)6.36%
Net Profit Margin (Annual)15.89%
Month-to-Date Return10.56%
Cash Flow / Share (TTM)$11.28
EBITD / Share (Annual)$21.03
EPS Growth (3Y)24.61%
Operating Margin (Annual)19.83%
LT Debt / Equity (Annual)1.02x
P/CF (TTM)2.98x
ROI (5Y Avg)7.33%
P/E Excl Extra (TTM)17.80x
LT Debt / Equity (Quarterly)1.93x
EPS Basic Excl Extra (TTM)$7.81
P/TBV (Quarterly)2.04x
P/B Ratio (Annual)1.65x
Pretax Margin (TTM)9.48%
Book Value / Share (Annual)$81.78
Price vs S&P 500 (13W)4.61%
Net Margin Growth (5Y)27.16%
Beta1.21x
P/FCF (Annual)3.04x
Revenue / Share (TTM)$120.49
ROE (TTM)10.80%
52-Week Low$110.00
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.29
2.29
2.17
2.17
Industry Peers — Personal Credit Institutions(15)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
WRLDWorld Acceptance Corp | 8.48x | 10.80% | 9.48% | -0.87% | $149.30 |
AFRMAffirm Holdings, Inc. Class A Common Stock | 428.06x | 8.83% | 6.21% | 44.63% | $67.06 |
OMFOneMain Holdings, Inc. | 8.97x | 23.40% | 16.04% | 4.82% | $59.92 |
CACCCredit Acceptance Corp | 13.36x | 26.63% | 44.38% | 6.78% | $542.71 |
NNINelnet, Inc. Class A | 11.67x | 11.96% | 26.54% | 7.13% | $138.72 |
SLMSLM Corporation | 6.13x | 31.14% | 26.74% | 7.17% | $23.11 |
SLMBPSLM Corporation Floating-Rate Non-Cumulative Series B | 6.13x | 31.14% | 26.74% | 7.17% | $74.60 |
ENVAEnova International, Inc. | 13.31x | 24.45% | 40.35% | 21.75% | $165.23 |
BFHBread Financial Holdings, Inc. | 7.59x | 16.12% | 13.65% | 3.44% | $91.75 |
LCLendingClub Corporation | 14.91x | 9.47% | 11.38% | 2.92% | $17.92 |
ATLCAtlanticus Holdings Corporation | 8.95x | 19.92% | 18.46% | 13.90% | $72.98 |
About
World Acceptance Corp is a consumer finance company providing short and medium-term installment loans, credit insurance, and related financial services to individuals across 1,024 branches in 16 states. The company also offers tax preparation services to its loan customers and the general public. With a geographically diversified footprint spanning the South, Midwest, and West, World Acceptance serves the non-prime consumer lending market.