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World Acceptance Corp (WRLD) stock analysis

WRLDNasdaqPersonal Credit InstitutionsFiscal year ends March 31
Financials through Q2 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 2/3011% above fair value
$136.30−3.00 (-2.15%)

Close on Nov 12, 2026Market cap $635.59MP/E 12.9Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value1Growth1Performance0Health0Dividend0

Weak2 of 30 checks passed

World Acceptance passes 2 of the 30 checks behind our score; 14 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
1/6
Growth
1/6
Past performance
0/6
Financial health
0/6
Dividend
0/6

What stands out

  • EPS growing 10%+ a year

    Diluted EPS grew 24.1% a year over the last three fiscal years.

  • P/E below its 5-year median

    World Acceptance's P/E of 13.2 is below its own 5-year median of 14.8.

What to watch

  • Margin of safety under 20%

    The price is 10.8% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $139.30 is above our fair value estimate of $125.71.

  • Return on equity under 15%

    Return on equity was 13.9% over the last twelve months and averaged 13.6% over five years; we look for 15% on both.

  • Earnings shrank over 5 years

    Net income shrank 17.1% a year on average over the last five fiscal years.

Valuation1/6

  • P/E below its 5-year median

    World Acceptance's P/E of 13.2 is below its own 5-year median of 14.8.

  • P/E above the industry

    World Acceptance's P/E of 13.2 is above the Personal Credit Institutions median of 8.8.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/B above the industry

    World Acceptance's price-to-book of 1.86 is above the Personal Credit Institutions median of 1.50.

  • Trading above fair value

    The share price of $139.30 is above our fair value estimate of $125.71.

  • Margin of safety under 20%

    The price is 10.8% above fair value, so there is no margin of safety.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew -1.7% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 24.1% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -12.6% over the last twelve months, against a 5-year average of -17.1% a year.

  • Growing slower than the industry

    Revenue grew 4.5% over the last twelve months; the Personal Credit Institutions median is 8.8%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    This company does not report gross profit.

Past performance0/6

  • Return on equity under 15%

    Return on equity was 13.9% over the last twelve months and averaged 13.6% over five years; we look for 15% on both.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity below the industry

    World Acceptance's return on equity of 13.9% is below the Personal Credit Institutions median of 22.7%.

  • Earnings shrank over 5 years

    Net income shrank 17.1% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 8.3% over the last twelve months, against a 5-year average of 9.6%.

  • Net margin below the industry

    World Acceptance's net margin of 8.3% is below the Personal Credit Institutions median of 13.4%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Elevated bankruptcy risk

    The Altman Z-score is 1.16; above 3 is the safe zone and below 1.8 the distress zone.

Dividend0/6

  • No dividend

    World Acceptance has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$125.71

The share price is 11% above this estimate.

20%+ below
Near fair value
20%+ above
$139.30Price
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E11.8×14.8×8.8×$124.7680%
P/B1.7×2.0×1.5×$129.4720%
Earnings powerleft out, too far from the others12.3% cost of equity––$445.71–
Fair value$125.71100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 14.8
  • Personal Credit Institutions median 8.8

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$10.03M
Value traded per 1% price move
$6.94M

Downside

Medium risk

Typical loss in a bad month
19.4%
Volatility (annualized)
47%
Sharpe ratio, 1 year
0.00
Beta to the S&P 500 (5Y)
1.48

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

5.9%−10.8 pts over 5 years

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