Stock Scorecard
Stock Summary for World Acceptance Corp (WRLD) - $191.12 as of 8/27/2026 11:19:36 AM EST
Total Score
10 out of 30
Safety Score
52 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 (52 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) | 4 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 7 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for WRLD
Financial Details for WRLD
Company Overview |
|
|---|---|
| Ticker | WRLD |
| Company Name | World Acceptance Corp |
| Country | USA |
| 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 | 6/30/2026 |
| Next Earnings Date | 10/22/2026 |
Stock Price History |
|
| Last Day Price | 191.12 |
| Price 4 Years Ago | 65.94 |
| Last Day Price Updated | 8/27/2026 11:19:36 AM EST |
| Last Day Volume | 71,128 |
| Average Daily Volume | 115,496 |
| 52-Week High | 227.68 |
| 52-Week Low | 110.00 |
| Last Price to 52 Week Low | 73.75% |
Valuation Measures |
|
| Trailing PE | 24.06 |
| Industry PE | 16.47 |
| Sector PE | 17.51 |
| 5-Year Average PE | 42.63 |
| Free Cash Flow Ratio | 85.70 |
| Industry Free Cash Flow Ratio | 12.10 |
| Sector Free Cash Flow Ratio | 74.49 |
| Current Ratio Most Recent Quarter | 0.43 |
| Total Cash Per Share | 2.23 |
| Book Value Per Share Most Recent Quarter | 78.28 |
| Price to Book Ratio | 2.49 |
| Industry Price to Book Ratio | 1.58 |
| Sector Price to Book Ratio | 1.82 |
| Price to Sales Ratio Twelve Trailing Months | 1.51 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.11 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.96 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 4,663,200 |
| Market Capitalization | 891,230,784 |
| Institutional Ownership | 92.26% |
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 | 343.30% |
| Annual Earnings Growth | -61.46% |
| Reported EPS 12 Trailing Months | 8.04 |
| Reported EPS Past Year | 2.12 |
| Reported EPS Prior Year | 7.38 |
| Net Income Twelve Trailing Months | 39,348,763 |
| Net Income Past Year | 34,586,024 |
| Net Income Prior Year | 89,741,000 |
| Quarterly Revenue Growth YOY | 4.80% |
| 5-Year Revenue Growth | 2.08% |
| Operating Margin Twelve Trailing Months | 15.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 10,420,032 |
| Total Cash Past Year | 6,071,077 |
| Total Cash Prior Year | 4,714,459 |
| Net Cash Position Most Recent Quarter | -562,410,617 |
| Net Cash Position Past Year | -581,157,724 |
| Long Term Debt Past Year | 587,228,801 |
| Long Term Debt Prior Year | 446,869,686 |
| Total Debt Most Recent Quarter | 572,830,649 |
| Equity to Debt Ratio Past Year | 0.37 |
| Equity to Debt Ratio Most Recent Quarter | 0.39 |
| Total Stockholder Equity Past Year | 351,005,291 |
| Total Stockholder Equity Prior Year | 436,991,487 |
| Total Stockholder Equity Most Recent Quarter | 362,180,371 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 260,273,304 |
| Free Cash Flow Per Share Twelve Trailing Months | 55.81 |
| Free Cash Flow Past Year | 255,476,547 |
| Free Cash Flow Prior Year | 250,480,000 |
Options |
|
| Put/Call Ratio | 1.42 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.02 |
| MACD Signal | -0.29 |
| 20-Day Bollinger Lower Band | 135.45 |
| 20-Day Bollinger Middle Band | 177.78 |
| 20-Day Bollinger Upper Band | 220.11 |
| Beta | 1.14 |
| RSI | 55.73 |
| 50-Day SMA | 139.95 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 8/27/2026 11:20:23 AM EST |