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World Acceptance Corp (WRLD)
Price$167.30
Value ScoreC
Growth ScoreC
Momentum ScoreB
Favorite Metrics
Price vs S&P 500 (26W)0.25%
Price vs S&P 500 (4W)11.77%
VGM Score56.01
Market Capitalization$820.56M
P/E Ratio (Annual)9.14x
All Metrics
P/CF (Annual)3.23x
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)11.01%
Gross Margin (TTM)92.33%
Net Profit Margin (TTM)7.46%
EPS (TTM)$7.81
10-Day Avg Trading Volume0.15M
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)19.19x
Revenue Growth QoQ (YoY)1.89%
EPS Growth (5Y)35.83%
P/E Normalized (Annual)9.14x
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 Ratio2.33x
P/B Ratio (Quarterly)2.01x
Net Income / Employee (Annual)$31,600
EV / Revenue (TTM)2.60x
ROA (TTM)4.04%
EV / EBITDA (TTM)25.80x
EPS Incl Extra (Annual)$16.30
Current Ratio (Annual)0.08x
Quick Ratio (Quarterly)0.09x
3-Month Avg Trading Volume0.15M
52-Week Price Return6.74%
EV / Free Cash Flow (Annual)5.94x
P/E Incl Extra (TTM)19.19x
Revenue / Employee (TTM)$202,100
Tangible BV / Share (Quarterly)$70.18
P/S Ratio (Annual)1.45x
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 Return8.17%
Quick Ratio (Annual)0.08x
13-Week Price Return14.82%
Total Debt / Equity (Annual)1.02x
Current Ratio (Quarterly)0.09x
Enterprise Value$1.49B
Revenue / Share Growth (5Y)6.82%
Asset Turnover (TTM)0.54x
Book Value / Share Growth (5Y)9.14%
Revenue / Employee (Annual)$199,000
Pretax Margin (Annual)19.83%
Cash / Share (Annual)$1.81
3-Month Return Std Dev45.10%
Gross Margin (5Y Avg)92.95%
Net Income / Employee (TTM)$15,100
EBITDA CAGR (5Y)23.75%
ROE (Last FY)20.42%
EPS Basic Excl Extra (Annual)$16.30
P/FCF (TTM)3.26x
Receivables Turnover (TTM)0.84x
EV / Free Cash Flow (TTM)5.90x
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)1.43x
Pretax Margin (5Y Avg)14.81%
Revenue / Share (Annual)$102.57
Tangible BV / Share (Annual)$80.40
Forward P/E14.68x
Free OCF CAGR (5Y)-0.38%
Price vs S&P 500 (52W)-17.62%
P/E Ratio (TTM)19.19x
EPS Growth TTM (YoY)-45.45%
Year-to-Date Return19.17%
5-Day Price Return-0.24%
EPS Normalized (Annual)$16.30
ROA (5Y Avg)6.36%
Net Profit Margin (Annual)15.89%
Month-to-Date Return1.34%
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)3.21x
ROI (5Y Avg)7.33%
P/E Excl Extra (TTM)19.19x
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)6.56%
Net Margin Growth (5Y)27.16%
Beta1.17x
P/FCF (Annual)3.28x
Revenue / Share (TTM)$120.49
ROE (TTM)10.80%
52-Week Low$110.00
vGradeC
gGradeC
mGradeB
vgmGradeC
Show chart for
Earnings Surprise History
Q4 267.70est. 8.35
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
2.29
2.17
2.17
2.17
Industry Peers — Personal Credit Institutions(14)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
WRLDWorld Acceptance Corp | C | C | B | $167.30 |
| AFRMAffirm Holdings, Inc. Class A Common Stock | D | B | B | $63.61 |
| OMFOneMain Holdings, Inc. | B | D | B | $55.36 |
| CACCCredit Acceptance Corp | C | C | B | $544.71 |
| NNINelnet, Inc. Class A | C | C | B | $129.03 |
| SLMSLM Corporation | C | C | B | $22.39 |
| ENVAEnova International, Inc. | C | C | A | $168.82 |
| BFHBread Financial Holdings, Inc. | B | C | A | $91.11 |
| LCLendingClub Corporation | C | C | B | $17.15 |
| ATLCAtlanticus Holdings Corporation | C | C | A | $84.10 |
| ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | C | C | A | $25.18 |
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.