Atlanticus vs World Acceptance
ATLC and WRLD side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ATLC and WRLD compare
Atlanticus is the larger company, worth 1.8 times as much as World Acceptance ($1.4B against $767M).
On earnings, Atlanticus is cheaper: it trades at 12.2× trailing earnings, against 19.8× for World Acceptance.
Atlanticus grew revenue faster over the last twelve months (83.7% versus 4.3% for World Acceptance).
World Acceptance keeps more of each dollar of sales as profit, with a net margin of 6.6% compared with 5.8% at Atlanticus.
Atlanticus scores higher on the StockData Score (10 against 2 for World Acceptance), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ATLC | WRLD |
|---|---|---|
| Size and price | ||
| Market cap | $1.4B | $767M |
| Share price | $93.46 | $164.47 |
| Change, 1 year | 66.1% | 24.7% |
| Change, 5 years | 9.4% | −32.6% |
| Beta (5Y) | 1.80 | 1.48 |
| Employees | 576 | 3,744 |
| StockData Score | ||
| Total score | 10 (better) | 2 |
| Valuation score | 3 (better) | 1 |
| Growth score | 4 (better) | 1 |
| Performance score | 3 (better) | 0 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 12.2× (better) | 19.8× |
| P/S | 0.5× (better) | 1.3× |
| P/B | 2.0× (better) | 2.1× |
| EV/EBITDA | 1.3× | – |
| P/FCF | – | 2.9× |
| PEG | 16.54 | 0.82 (better) |
| FCF yield | – | 34.1% |
| Fair value | $143.75 | $194.23 |
| Margin of safety | 35.0% (better) | 15.3% |
| Growth | ||
| Revenue growth (TTM) | 83.7% (better) | 4.3% |
| Revenue growth, 5Y average | 28.4% (better) | 2.1% |
| Net income growth (TTM) | 25.3% (better) | −51.5% |
| EPS growth (TTM) | 35.3% (better) | −43.6% |
| EPS growth, 5Y average | 8.6% (better) | −12.3% |
| Profitability | ||
| Gross margin | 92.6% | – |
| Net margin | 5.8% | 6.6% (better) |
| FCF margin | – | 44.2% |
| Return on equity | 24.3% (better) | 9.9% |
| Financial health | ||
| Altman Z-score | 0.59 | 1.29 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 1.4% | 15.9% (better) |
| Shareholder yield | 1.4% | 15.9% (better) |
| Ownership | ||
| Held by institutions | 26.1% | 96.1% |
| Held by insiders | 91.5% | 54.8% |
| Insider net buying, 12 months | −$10.6M (better) | −$29.2M |
| Short interest, % of float | – | 18.7% |
Go deeper
- ATLC stock overview
- ATLC income statement
- ATLC valuation and score
- WRLD stock overview
- WRLD income statement
- WRLD valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.