World Acceptance Corporation

World Acceptance Corporation

WRLDยทNASDAQ

$166.21

+0.38%
Financial ServicesFinancial - Credit Services

World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides automobile club memberships to its borrowers; and income tax return preparation and electronic filing services. In addition, the company markets and sells credit life, credit accident and health, credit property and auto, unemployment, and accidental death and dismemberment insurance in connection with its loans. It serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. As of March 31, 2022, it operated 1,167 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.

At a Glance

Live Snapshot
Market Cap$820.56M
EPS6.9700
P/E Ratio23.85
Earnings Date07/23/2026
World Acceptance Corporation

World Acceptance Corporation Fair Value Envelope

WRLD ยท NASDAQ

Our analysis suggests that WRLD has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $166.21, this represents a potential HIDDEN relative to our calculated worth for World Acceptance Corporation.

Intrinsic Value
Current Price: $166.21

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$2.8B
+ Cash & Equivalents$5.1M
Firm Value$2.8B
- Debt$661.2M
Equity Value$2.2B
/ Shares Outstanding5,225,478B
DCF Value$413
UNDERVALUED BY 148%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$245.0M
$236.2M
$227.6M
$219.4M
$211.5M
$203.9M
$196.5M
$189.5M
$182.6M
$176.0M
Maintenance CapEx
-$710.2K
-$684.6K
-$659.9K
-$636.1K
-$613.2K
-$591.1K
-$569.8K
-$549.2K
-$529.4K
-$510.3K
Owner Earnings
$244.3M
$235.5M
$227.0M
$218.8M
$210.9M
$203.3M
$196.0M
$188.9M
$182.1M
$175.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$226.2M
$201.9M
$180.2M
$160.8M
$143.5M
$128.1M
$114.3M
$102.1M
$91.1M
$81.3M
Terminal Value represents 49.2% of Enterprise Value