Stock Scorecard
Stock Summary for World Acceptance Corp (WRLD) - $154.69 as of 4/29/2026 10:17:57 AM EST
Total Score
9 out of 30
Safety Score
34 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for WRLD
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for WRLD
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for WRLD
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for WRLD
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for WRLD (34 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 9 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 2 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for WRLD
Financial Details for WRLD
Company Overview |
|
|---|---|
| Ticker | WRLD |
| Company Name | World Acceptance Corp |
| Country | N/A |
| Description | World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 154.69 |
| Price 4 Years Ago | 65.94 |
| Last Day Price Updated | 4/29/2026 10:17:57 AM EST |
| Last Day Volume | 130,723 |
| Average Daily Volume | 156,054 |
| 52-Week High | 185.48 |
| 52-Week Low | 110.00 |
| Last Price to 52 Week Low | 40.63% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 21.68 |
| Sector PE | 23.78 |
| 5-Year Average PE | -71.49 |
| Free Cash Flow Ratio | 80.99 |
| Industry Free Cash Flow Ratio | 10.01 |
| Sector Free Cash Flow Ratio | 22.47 |
| Current Ratio Most Recent Quarter | 23.75 |
| Total Cash Per Share | 1.91 |
| Book Value Per Share Most Recent Quarter | 73.90 |
| Price to Book Ratio | 2.07 |
| Industry Price to Book Ratio | 5.68 |
| Sector Price to Book Ratio | 2.20 |
| Price to Sales Ratio Twelve Trailing Months | 1.31 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.36 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.53 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 4,936,900 |
| Market Capitalization | 763,689,061 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 10.40% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | -86.00% |
| Annual Earnings Growth | 16.03% |
| Reported EPS 12 Trailing Months | 7.77 |
| Reported EPS Past Year | -0.32 |
| Reported EPS Prior Year | 16.36 |
| Net Income Twelve Trailing Months | 42,763,387 |
| Net Income Past Year | 89,741,000 |
| Net Income Prior Year | 77,345,227 |
| Quarterly Revenue Growth YOY | 1.90% |
| 5-Year Revenue Growth | -0.87% |
| Operating Margin Twelve Trailing Months | 8.33% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 9,448,000 |
| Total Cash Past Year | 9,730,296 |
| Total Cash Prior Year | 11,839,460 |
| Net Cash Position Most Recent Quarter | -667,785,226 |
| Net Cash Position Past Year | -437,139,390 |
| Long Term Debt Past Year | 446,869,686 |
| Long Term Debt Prior Year | 496,028,764 |
| Total Debt Most Recent Quarter | 677,233,226 |
| Equity to Debt Ratio Past Year | 0.50 |
| Equity to Debt Ratio Most Recent Quarter | 0.34 |
| Total Stockholder Equity Past Year | 439,480,464 |
| Total Stockholder Equity Prior Year | 424,427,216 |
| Total Stockholder Equity Most Recent Quarter | 351,602,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 252,077,213 |
| Free Cash Flow Per Share Twelve Trailing Months | 51.06 |
| Free Cash Flow Past Year | 250,480,000 |
| Free Cash Flow Prior Year | 259,850,000 |
Options |
|
| Put/Call Ratio | 1.42 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 4.05 |
| MACD Signal | 3.64 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 1.17 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 5/5/2026 10:51:31 AM EST |