World Acceptance Stock Analysis

WRLD Stock  USD 130.88  0.27  0.21%   
Below is the normalized historical share price chart for World Acceptance extending back to November 26, 1991. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of World Acceptance stands at 130.88, as last reported on the 16th of February 2026, with the highest price reaching 132.84 and the lowest price hitting 126.78 during the day.
IPO Date
26th of November 1991
200 Day MA
153.6367
50 Day MA
138.362
Beta
1.222
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
World Acceptance holds a debt-to-equity ratio of 2.34. At present, World Acceptance's Net Debt is projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt is expected to grow to about 307.4 M, whereas Short Term Debt is forecasted to decline to about 19.6 M. World Acceptance's financial risk is the risk to World Acceptance stockholders that is caused by an increase in debt.

Asset vs Debt

Equity vs Debt

World Acceptance's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. World Acceptance's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps World Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect World Acceptance's stakeholders.
For many companies, including World Acceptance, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for World Acceptance, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, World Acceptance's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.8377
Price Sales
1.1524
Shares Float
2.4 M
Wall Street Target Price
120
Earnings Share
7.77
Given that World Acceptance's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which World Acceptance is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of World Acceptance to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, World Acceptance is said to be less leveraged. If creditors hold a majority of World Acceptance's assets, the Company is said to be highly leveraged.
At present, World Acceptance's Common Stock is projected to increase significantly based on the last few years of reporting. . At present, World Acceptance's Price Earnings Ratio is projected to increase significantly based on the last few years of reporting. The current year's Price Book Value Ratio is expected to grow to 2.62, whereas Price Earnings To Growth Ratio is forecasted to decline to 0.28.
World Acceptance is overvalued with Real Value of 116.33 and Target Price of 120.0. The main objective of World Acceptance stock analysis is to determine its intrinsic value, which is an estimate of what World Acceptance is worth, separate from its market price. There are two main types of World Acceptance's stock analysis: fundamental analysis and technical analysis.
The World Acceptance stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and World Acceptance's ongoing operational relationships across important fundamental and technical indicators.
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in World Acceptance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
For information on how to trade World Stock refer to our How to Trade World Stock guide.

World Stock Analysis Notes

About 19.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.84. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. World Acceptance recorded earning per share (EPS) of 7.77. The entity had not issued any dividends in recent years. The firm had 3:1 split on the 1st of September 1995. World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina. World Acceptance operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 3121 people. For more information please call Ravin Prashad at 864 298 9800 or visit https://www.loansbyworld.com.

World Acceptance Quarterly Total Revenue

141.25 Million

World Acceptance Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. World Acceptance's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding World Acceptance or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
World Acceptance had very high historical volatility over the last 90 days
World Acceptance has a strong financial position based on the latest SEC filings
Over 84.0% of the company outstanding shares are owned by institutional investors
Latest headline from news.google.com: World Acceptance Announces 50 Million Share Buyback Prog - GuruFocus

World Largest EPS Surprises

Earnings surprises can significantly impact World Acceptance's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
1998-01-15
1997-12-310.060.05-0.0116 
1997-07-17
1997-06-300.10.09-0.0110 
1996-01-10
1995-12-310.090.08-0.0111 
View All Earnings Estimates

World Acceptance Environmental, Social, and Governance (ESG) Scores

World Acceptance's ESG score is a quantitative measure that evaluates World Acceptance's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of World Acceptance's operations that may have significant financial implications and affect World Acceptance's stock price as well as guide investors towards more socially responsible investments.

World Acceptance Thematic Classifications

In addition to having World Acceptance stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Momentum Idea
Momentum
Macroaxis long run momentum stocks

World Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Bridgeway Capital Management, Llc2025-06-30
57.9 K
Charles Schwab Investment Management Inc2025-06-30
57.6 K
Ingalls & Snyder Llc2025-06-30
53.2 K
Renaissance Technologies Corp2025-06-30
45.4 K
Aqr Capital Management Llc2025-06-30
41.4 K
Hhg Plc2025-06-30
38.5 K
D. E. Shaw & Co Lp2025-06-30
35.7 K
Bank Of New York Mellon Corp2025-06-30
31.7 K
Goldman Sachs Group Inc2025-06-30
30.5 K
Prescott General Partners Llc2025-06-30
1.8 M
Prescott Investors Inc2025-06-30
1.8 M
Note, although World Acceptance's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

World Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 660.74 M.

World Profitablity

The company has Profit Margin (PM) of 0.07 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.08 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.08.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.10  0.11 
Return On Capital Employed 0.19  0.17 
Return On Assets 0.10  0.10 
Return On Equity 0.23  0.21 

Management Efficiency

World Acceptance has return on total asset (ROA) of 0.0567 % which means that it generated a profit of $0.0567 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1097 %, meaning that it created $0.1097 on every $100 dollars invested by stockholders. World Acceptance's management efficiency ratios could be used to measure how well World Acceptance manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Tangible Assets is expected to grow to 0.11, whereas Return On Capital Employed is forecasted to decline to 0.17. At present, World Acceptance's Net Tangible Assets are projected to increase significantly based on the last few years of reporting. The current year's Return On Tangible Assets is expected to grow to 0.11, whereas Non Current Assets Total are forecasted to decline to about 202 M.
Last ReportedProjected for Next Year
Book Value Per Share 71.82  75.41 
Tangible Book Value Per Share 69.41  72.88 
Enterprise Value Over EBITDA 6.62  8.70 
Price Book Value Ratio 1.82  2.62 
Enterprise Value Multiple 6.62  8.70 
Price Fair Value 1.82  2.62 
Enterprise Value155.6 M133.3 M
The decision-making processes within World Acceptance are key to its success in a competitive market. By evaluating these processes, we assess the stock's potential for future gains.
Operating Margin
0.0833
Profit Margin
0.0746
Beta
1.222
Return On Assets
0.0567
Return On Equity
0.1097

Technical Drivers

As of the 16th of February 2026, World Acceptance maintains the Mean Deviation of 2.35, market risk adjusted performance of 0.0243, and Downside Deviation of 4.48. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of World Acceptance, as well as the relationship between them. Please check out World Acceptance jensen alpha, potential upside, as well as the relationship between the Potential Upside and skewness to decide if World Acceptance is priced fairly, providing market reflects its latest price of 130.88 per share. Given that World Acceptance has jensen alpha of (0.09), we strongly advise you to confirm World Acceptance's prevalent market performance to make sure the company can sustain itself at a future point.

World Acceptance Price Movement Analysis

Execute Study
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World Acceptance Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific World Acceptance insiders, such as employees or executives, is commonly permitted as long as it does not rely on World Acceptance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases World Acceptance insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Daniel Dyer over two months ago
Disposition of 8857 shares by Daniel Dyer of World Acceptance at 149.0 subject to Rule 16b-3
 
Daniel Dyer over two months ago
Disposition of tradable shares by Daniel Dyer of World Acceptance at 150.0 subject to Rule 16b-3
 
Scott McIntyre over three months ago
Disposition of 1990 shares by Scott McIntyre of World Acceptance at 150.22 subject to Rule 16b-3
 
Prashad R Chad over three months ago
Disposition of 1905 shares by Prashad R Chad of World Acceptance at 166.0 subject to Rule 16b-3
 
Way Charles D over six months ago
Disposition of 402 shares by Way Charles D of World Acceptance at 160.0 subject to Rule 16b-3
 
Luke Umstetter over six months ago
Acquisition by Luke Umstetter of 12000 shares of World Acceptance subject to Rule 16b-3
 
Daniel Dyer over six months ago
Disposition of 4704 shares by Daniel Dyer of World Acceptance at 159.5 subject to Rule 16b-3
 
Prescott General Partners Llc over six months ago
Disposition of 32649 shares by Prescott General Partners Llc of World Acceptance at 165.12 subject to Rule 16b-3
 
Scott McIntyre over six months ago
Acquisition by Scott McIntyre of 7200 shares of World Acceptance subject to Rule 16b-3
 
Way Charles D over six months ago
Disposition of tradable shares by Way Charles D of World Acceptance at 100.79 subject to Rule 16b-3
 
Prashad R Chad over six months ago
Acquisition by Prashad R Chad of 28000 shares of World Acceptance subject to Rule 16b-3
 
Whitaker Darrell E over six months ago
Disposition of 499 shares by Whitaker Darrell E of World Acceptance at 156.22 subject to Rule 16b-3

World Acceptance Outstanding Bonds

World Acceptance issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. World Acceptance uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most World bonds can be classified according to their maturity, which is the date when World Acceptance has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

World Acceptance Predictive Daily Indicators

World Acceptance intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of World Acceptance stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

World Acceptance Corporate Filings

8K
11th of February 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
10Q
9th of February 2026
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
8K
27th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
19th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
17th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
4th of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
12th of November 2025
Other Reports
ViewVerify
10Q
6th of November 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify

World Acceptance Forecast Models

World Acceptance's time-series forecasting models are one of many World Acceptance's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary World Acceptance's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

World Acceptance Bond Ratings

World Acceptance financial ratings play a critical role in determining how much World Acceptance have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for World Acceptance's borrowing costs.
Piotroski F Score
8
StrongView
Beneish M Score
(3.69)
Unlikely ManipulatorView

World Acceptance Debt to Cash Allocation

Many companies such as World Acceptance, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
World Acceptance currently holds 525.56 M in liabilities with Debt to Equity (D/E) ratio of 2.34, implying the company greatly relies on financing operations through barrowing. World Acceptance has a current ratio of 17.9, suggesting that it is liquid enough and is able to pay its financial obligations when due. Note, when we think about World Acceptance's use of debt, we should always consider it together with its cash and equity.

World Acceptance Common Stock Shares Outstanding Over Time

World Acceptance Assets Financed by Debt

The debt-to-assets ratio shows the degree to which World Acceptance uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

World Acceptance Debt Ratio

    
  50.0   
It looks as if World Acceptance uses both, debt and equity to finance its assets. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the World Acceptance's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of World Acceptance, which in turn will lower the firm's financial flexibility.

World Acceptance Corporate Bonds Issued

Most World bonds can be classified according to their maturity, which is the date when World Acceptance has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

World Short Long Term Debt Total

Short Long Term Debt Total

634.61 Million

At present, World Acceptance's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About World Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how World Acceptance prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling World shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as World Acceptance. By using and applying World Stock analysis, traders can create a robust methodology for identifying World entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.20  0.23 
Operating Profit Margin 0.25  0.17 
Net Profit Margin 0.14  0.10 
Gross Profit Margin 0.81  0.85 

Current World Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. World analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. World analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
120.0Hold2Odds
World Acceptance current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most World analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand World stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of World Acceptance, talking to its executives and customers, or listening to World conference calls.
World Analyst Advice Details

World Stock Analysis Indicators

World Acceptance stock analysis indicators help investors evaluate how World Acceptance stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading World Acceptance shares will generate the highest return on investment. By understating and applying World Acceptance stock analysis, traders can identify World Acceptance position entry and exit signals to maximize returns.
Begin Period Cash Flow11.8 M
Total Stockholder Equity439.5 M
Capital Lease Obligations78.7 M
Property Plant And Equipment Net96 M
Cash And Short Term Investments9.7 M
Cash9.7 M
50 Day M A138.362
Net Interest Income422.4 M
Total Current Liabilities65.5 M
Forward Price Earnings9.6061
Interest Expense42.7 M
Stock Based Compensation-19.7 M
Long Term Debt446.9 M
Common Stock Shares Outstanding5.5 M
Total Cashflows From Investing Activities-152.8 M
Tax Provision22.2 M
Quarterly Earnings Growth Y O Y-0.86
Accounts Payable37.1 M
Net Debt515.8 M
Other Operating Expenses406.3 M
Non Current Assets Total184.9 M
Liabilities And Stockholders EquityB
Non Currrent Assets Other-738.8 M

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When running World Acceptance's price analysis, check to measure World Acceptance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy World Acceptance is operating at the current time. Most of World Acceptance's value examination focuses on studying past and present price action to predict the probability of World Acceptance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move World Acceptance's price. Additionally, you may evaluate how the addition of World Acceptance to your portfolios can decrease your overall portfolio volatility.
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