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WRLDWorld Acceptance Corporation
$174.44$813M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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WRLD logo

World Acceptance Corporation

WRLD
NASDAQ · Credit Services
$174.44
At close - Oct 2, 4:00 PM EDT - USD
Market Cap$813M
P/E25.4x
52W High$227.68
Volume40.93K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2027Q1

Subprime Lender Faces Earnings Volatility Amid Rate Caps

World Acceptance Corporation operates in the subprime consumer lending niche, where net interest margins have remained near 10% but earnings are highly volatile, swinging from $36.1M net income in 2026Q4 to just $6.1M in 2027Q1. The company's reliance on whole...

GrowthMixed
ProfitabilityStrained
ValuationExpensive
TechnicalsMixed
Explore valuation models
MARKET ACTION

WRLD price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

+64% Peers

P/E is 64% above peer median

03

Market leadership

RS 75 · Avg

Average momentum (RS Rating: 75)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 24

Market performance

Price History →

Trailing total returns as of 10/3/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
WRLD+23.02%
S&P 500 (^GSPC)+12.66%
1-Year Return
WRLD+1.56%
S&P 500 (^GSPC)+15.01%
3-Year Return
WRLD+37.89%
S&P 500 (^GSPC)+82.79%
5-Year Return
WRLD-12.01%
S&P 500 (^GSPC)+81.10%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
25.4x
Forward P/EExpansion
24.7x
EV/EBITDA80th %ile
27.1x
FCF YieldCash Flow
31.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
25.4x
19.6x
100th· High
EV/EBITDA
27.1x
24.6x
80th· High
Price/FCF
3.2x
2.8x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$536M+2.6% YoY
Net income
$35M-61.5% YoY
Free cash flow
$255M+2.0% YoY
Operating margin
7.7%-20.3 pts YoY
ROIC (TTM)3.4%
Avg ROIC 5Y-
ROE (TTM)8.8%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (67%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 24, 2026
$2.12+265.5%
vs $0.58
$139M-3.3%
vs $144M
Q2 2026
Apr 30, 2026
$7.70-0.5%
vs $7.74
$178M+5.4%
vs $168M
Q1 2026
Jan 27, 2026
-$0.19-132.8%
vs $0.58
$141M+9.2%
vs $129M
Q4 2025
Oct 23, 2025
-$0.38-120.3%
vs $1.87
$134M+0.7%
vs $133M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Sep 24, 2026
World Acceptance (NASDAQ:WRLD) Shares Cross Above 200-Day Moving Average – Should You Sell?

World Acceptance Corporation (NASDAQ: WRLD - Get Free Report)'s share price passed above its 200-day moving average during trading on Wednesday. The stock has a 200-day moving average of $170.32 and traded as high as $172.38. World Acceptance shares last traded at $170.07, with a volume of 51,942 shares changing hands. Analysts Set New Price

Business Wire·Sep 21, 2026
World Acceptance Corporation Names John L. Calmes Jr. President and Chief Executive Officer

GREENVILLE, S.C.--(BUSINESS WIRE)---- $WRLD--World Acceptance Corporation (NASDAQ: WRLD) ("World Acceptance" or "the Company") today announced that its Board of Directors has appointed John L. Calmes Jr. as President and Chief Executive Officer, effective September 21, 2026. Mr. Calmes most recently served as the Company's Executive Vice President, Chief Financial and Strategy Officer, and Treasurer. "John has a deep understanding of our business and is largely responsible for the financial discipline we.

Defense World·Sep 16, 2026
Squarepoint Ops LLC Boosts Stock Holdings in World Acceptance Corporation $WRLD

Squarepoint Ops LLC grew its position in World Acceptance Corporation (NASDAQ: WRLD) by 82.5% in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The fund owned 7,004 shares of the credit services provider's stock after purchasing an additional 3,166 shares

GuruFocus·Sep 2, 2026
A Look at World Acceptance Corp (WRLD) After 5.8% Gain -- GF Value $169.91 vs Price $190.57

On September 02, 2026, World Acceptance Corp (WRLD) shares rose 5.8% to a current price of $190.57. The stock has seen a 52-week range of $110.00 to $227.68, hi

Filtered for World Acceptance CorporationMore Headlines
04

Compare before deciding

Benchmark WRLD against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for World Acceptance Corporation (WRLD)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
WRLD logoWRLDWorld Acceptance CorporationCurrent
$174.44$812.96M25.352.6%5.91%8.78%—
RM logoRMRegional Management Corp.
$31.80$292.82M7.159.1%7.4%13.25%—
PRAA logoPRAAPRA Group, Inc.
$18.87$719.72M-2.42-4.51%-23.24%-25.21%—
FCFS logoFCFSFirstCash Holdings, Inc
$210.36$9.12B28.357.81%9.42%17.07%—
SLM logoSLMSLM Corporation
$22.75$4.28B6.577.32%23.97%30.31%—
NAVI logoNAVINavient Corporation
$9.19$863.76M-11.35-32.67%-1.67%-2.04%—

Compare WRLD vs Peers

World Acceptance Corporation (WRLD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RM

Most directly comparable listed peer for WRLD.

Scale Benchmark

vs FISV

Larger-name benchmark to compare WRLD against a more recognizable public peer.

Peer Set

Compare Top 5

vs RM, PRAA, FCFS, SLM

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

WRLD SEC Filings & Documents

World Acceptance Corporation (WRLD) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 19, 2026·SEC

Material company update

Aug 13, 2026·SEC

Material company update

Jul 24, 2026·SEC

10-K Annual Reports

3
FY 2026

Jun 4, 2026·SEC

FY 2025

May 22, 2025·SEC

FY 2024

May 23, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 6, 2026·SEC

FY 2026

Feb 9, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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WRLD Frequently Asked Questions

World Acceptance Corporation (WRLD) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is World Acceptance Corporation growing?

World Acceptance Corporation (WRLD) grew revenue by 2.6% over the past year. Growth has been modest.

Is WRLD profitable?

Yes, World Acceptance Corporation (WRLD) is profitable, generating $39.3M in net income for fiscal year 2026 (5.9% net margin).

Dividend & Returns
What is WRLD's return on equity?

World Acceptance Corporation (WRLD) has a return on equity (ROE) of 8.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is World Acceptance Corporation's net interest margin?

World Acceptance Corporation (WRLD) has a net interest margin (NIM) of 41.3%. This indicates healthy earnings from lending activities.

What is World Acceptance Corporation's efficiency ratio?

World Acceptance Corporation (WRLD) has an efficiency ratio of 51.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in WRLD back in 1997?

Total return calculator · dividends reinvested · 29+ years of data

See returns →