World Acceptance Corp (WRLD) stock
WRLDNasdaqPersonal Credit InstitutionsFiscal year ends March 31
Financials through Q2 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 2/3010% above fair value
$138.16+1.86 (+1.36%)
Close on Nov 13, 2026Market cap $644.27MP/E 13.1Yield –
World Acceptance statistics
86 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, before the open)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.90
- 1.13
- P/OCF Ratio
- 2.28
- 5.84
Enterprise valuationIndustry
- EV / Sales
- 1.07
- 2.54
- EV / FCF
- 2.28
- 9.23
Share statisticsIndustry
- Shares Change (YoY)
- -11.1%
- 13.6%
- Shares Change (QoQ)
- -2.89%
- 0.11%
- Float
- 2M
- 40M
- Shares Held by Insiders
- 54.7%
- 18.2%
- Shares Held by Institutions
- 96.1%
- 27.7%
Short sellingIndustry
- Short Interest
- 382,904
- –
- Short Interest Change
- 1.04%
- -0.08%
- Short % of Float
- 18.1%
- 6.48%
- Short % of Shares Outstanding
- 8.21%
- 5.35%
- Days to Cover
- 6.24
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $227.68
- –
- 52-Week Low
- $110.00
- –
- 20-Day Moving Average
- $159.00
- –
- 50-Day Moving Average
- $170.69
- –
- 200-Day Moving Average
- $164.30
- –
- Average True Range (14)
- $7.46
- –
- Price Change (1 Week)
- -7.32%
- -4.00%
- Price Change (1 Month)
- -19.8%
- -17.2%
- Price Change (3 Months)
- -27.3%
- -15.4%
- Price Change (6 Months)
- -9.80%
- -32.2%
- Price Change (YTD)
- -1.59%
- -37.2%
- Price Change (1 Year)
- 0.22%
- -50.6%
- Price Change (3 Years)
- 26.1%
- -32.7%
- Price Change (5 Years)
- -39.8%
- -81.6%
- Price Change (10 Years)
- 131.9%
- -62.7%
- Average Volume (10 Days)
- 71,441
- –
- Average Volume (20 Days)
- 68,448
- –
- Average Volume (90 Days)
- 81,731
- –
- Relative Volume
- 0.93
- 0.72
- Relative Strength Index (14)
- 23.1
- 39.6
- Volatility (1 Year)
- 46.9%
- 94.5%
- Beta (5 Years)
- 1.47
- 1.24
MarginsIndustry
- Pretax Margin
- 10.8%
- -6.66%
- FCF Margin
- 46.7%
- -32.1%
Returns on capitalIndustry
- Return on Equity (ROE)
- 13.9%
- -20.8%
- Return on Assets (ROA)
- 4.62%
- -7.97%
GrowthIndustry
- Revenue Growth (YoY)
- 4.51%
- 15.4%
- Net Income Growth (YoY)
- -12.6%
- -22.9%
- EPS Growth (YoY)
- 1.83%
- 3.77%
- FCF Growth (YoY)
- 9.10%
- 16.1%
- Revenue Growth (3Y CAGR)
- -1.73%
- 5.94%
- Revenue Growth (5Y CAGR)
- 2.08%
- 10.7%
- EPS Growth (3Y CAGR)
- 24.1%
- 5.11%
- EPS Growth (5Y CAGR)
- -12.3%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.56
- 0.16
- Revenue Per Employee
- $159.18K
- $675.54K
- Profits Per Employee
- $13.23K
- -$170.28K
- Employee Count
- 3,744
- 47
- WACC
- 12.5%
- 11.0%
Income statement (TTM)Industry
- Pretax Income
- $64.55M
- -$2.77M
Balance sheetIndustry
- Net Cash (Debt)
- $8.31M
- $7.04M
- Net Cash Per Share
- $1.78
- $0.19
- Equity (Book Value)
- $348.84M
- $224.68M
- Book Value Per Share
- $74.81
- $4.10
- Tangible Book Value
- $338.78M
- $156.69M
Cash flow (TTM)Industry
- Capital Expenditures
- -$4.54M
- -$4.95M
- FCF Per Share
- $59.72
- -$0.22
Dividends and yieldsIndustry
- Earnings Yield
- 7.69%
- -13.4%
- FCF Yield
- 43.2%
- -15.4%
- Buyback Yield
- 12.4%
- 0.46%
- Shareholder Yield
- 12.4%
- 0.51%
Taxes and interestIndustry
- Interest Expense
- $48.54M
- $4.05M
- Income Tax
- $14.32M
- $213.00K
- Effective Tax Rate
- 22.2%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $133.32
- $31.08
- Graham Upside
- -3.50%
- 16.5%
- Altman Z-Score
- 1.15
- 0.36
- Piotroski F-Score
- 6
- 4
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | WRLD | S&P 500 | Difference | WRLD per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -22.0% | -3.0% | −19.0 pts | ||
| 3 months | -26.4% | -2.8% | −23.6 pts | ||
| Year to date | -1.6% | +11.5% | −13.1 pts | ||
| 1 year | +0.0% | +13.5% | −13.4 pts | ||
| 3 years | +33.2% | +77.7% | −44.5 pts | +10.0% | +21.1% |
| 5 years | -39.8% | +72.6% | −112.4 pts | -9.7% | +11.5% |
| 10 years | +134.2% | +308.2% | −174.0 pts | +8.9% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M WRLD shares were sold short on Oct 30, 2026, up 1.0% from the previous report, or 18.12% of the shares available to trade. At recent volumes it would take 6.2 days to buy them back. Over the last 20 sessions, 62.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 382,904 | +1.0% | 61,353 | 6.2 |
| Oct 15, 2026 | 378,953 | -4.1% | 50,538 | 7.5 |
| Sep 30, 2026 | 395,042 | -5.1% | 63,495 | 6.2 |
| Sep 15, 2026 | 416,419 | -9.8% | 61,211 | 6.8 |
| Aug 31, 2026 | 461,409 | -4.4% | 69,225 | 6.7 |
| Aug 14, 2026 | 482,742 | -4.9% | 97,838 | 4.9 |
| Jul 31, 2026 | 507,594 | -13.6% | 162,607 | 3.1 |
| Jul 15, 2026 | 587,802 | +2.2% | 120,391 | 4.9 |
| Jun 30, 2026 | 575,387 | +5.3% | 106,815 | 5.4 |
| Jun 15, 2026 | 546,497 | +3.6% | 140,646 | 3.9 |
| May 29, 2026 | 527,299 | +0.0% | 148,130 | 3.6 |
| May 15, 2026 | 527,203 | +3.7% | 175,547 | 3.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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