SLM vs World Acceptance
SLM 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 SLM and WRLD compare
SLM is the larger company, worth 4.9 times as much as World Acceptance ($3.1B against $644M).
On earnings, SLM is cheaper: it trades at 6.2× trailing earnings, against 13.1× for World Acceptance.
World Acceptance grew revenue faster over the last twelve months (4.5% versus −6.7% for SLM).
SLM keeps more of each dollar of sales as profit, with a net margin of 31.7% compared with 8.3% at World Acceptance.
SLM pays a dividend yielding 3.0%; World Acceptance does not pay one.
SLM scores higher on the StockData Score (14 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 | SLM | WRLD |
|---|---|---|
| Size and price | ||
| Market cap | $3.1B | $644M |
| Share price | $17.20 | $138.16 |
| Change, 1 year | −39.0% | 0.22% |
| Change, 5 years | −6.6% | −37.6% |
| Beta (5Y) | 1.11 | 1.47 |
| Employees | 1,788 | 3,744 |
| StockData Score | ||
| Total score | 14 (better) | 2 |
| Valuation score | 5 (better) | 1 |
| Growth score | 2 (better) | 1 |
| Performance score | 3 (better) | 0 |
| Health score | 1 (better) | 0 |
| Dividend score | 3 (better) | 0 |
| Valuation | ||
| P/E | 6.2× (better) | 13.1× |
| P/S | 1.8× | 1.1× (better) |
| P/B | 1.4× (better) | 1.8× |
| P/FCF | – | 2.3× |
| PEG | 0.25 (better) | 0.54 |
| FCF yield | – | 43.2% |
| Fair value | $23.08 | $125.36 |
| Margin of safety | 25.5% (better) | −10.2% |
| Growth | ||
| Revenue growth (TTM) | −6.7% | 4.5% (better) |
| Revenue growth, 5Y average | 1.8% | 2.1% (better) |
| Net income growth (TTM) | −9.0% (better) | −12.6% |
| EPS growth (TTM) | −3.2% | 1.8% (better) |
| EPS growth, 5Y average | 9.0% (better) | −12.3% |
| Profitability | ||
| Net margin | 31.7% (better) | 8.3% |
| FCF margin | – | 46.7% |
| Return on equity | 24.7% (better) | 13.9% |
| Financial health | ||
| Debt / equity | 0.40 | – |
| Altman Z-score | 0.36 | 1.15 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 3.0% | – |
| Payout ratio | 17.7% | – |
| Years of dividend growth | 2 | – |
| Dividend growth, 5Y average | 34.1% | – |
| Buyback yield | 17.3% (better) | 12.4% |
| Shareholder yield | 20.4% (better) | 12.4% |
| Ownership | ||
| Held by institutions | 115% | 96.1% |
| Held by insiders | 6.8% | 54.7% |
| Insider net buying, 12 months | – | −$44.9M |
| Superinvestors holding | 1 | – |
| Short interest, % of float | – | 18.1% |
Go deeper
- SLM stock overview
- SLM income statement
- SLM 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.