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Financial Services - Financial - Credit Services - NASDAQ - US
$ 116.42
3.45 %
$ 669 M
Market Cap
8.17
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WRLD stock under the worst case scenario is HIDDEN Compared to the current market price of 116 USD, World Acceptance Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WRLD stock under the base case scenario is HIDDEN Compared to the current market price of 116 USD, World Acceptance Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one WRLD stock under the best case scenario is HIDDEN Compared to the current market price of 116 USD, World Acceptance Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WRLD

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$155.0$155.0$150.0$150.0$145.0$145.0$140.0$140.0$135.0$135.0$130.0$130.0$125.0$125.0$120.0$120.0$115.0$115.0$110.0$110.0$105.0$105.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
525 M REVENUE
-14.85%
152 M OPERATING INCOME
95.40%
77.3 M NET INCOME
264.29%
266 M OPERATING CASH FLOW
-8.84%
-135 M INVESTING CASH FLOW
25.17%
-135 M FINANCING CASH FLOW
-19.01%
139 B REVENUE
105397.15%
66 B OPERATING INCOME
171905.91%
13.4 B NET INCOME
-58.25%
61.1 B OPERATING CASH FLOW
-40.13%
-107 B INVESTING CASH FLOW
-13.59%
41.4 B FINANCING CASH FLOW
1334706.77%
Balance Sheet World Acceptance Corporation
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Current Assets 862 M
Cash & Short-Term Investments 11.8 M
Receivables 3.09 M
Other Current Assets 847 M
Non-Current Assets 194 M
Long-Term Investments 0
PP&E 102 M
Other Non-Current Assets 91.6 M
80.22 %9.69 %8.67 %Total Assets$1.1b
Current Liabilities 76.6 M
Accounts Payable 48.5 M
Short-Term Debt 22.6 M
Other Current Liabilities 5.5 M
Non-Current Liabilities 555 M
Long-Term Debt 555 M
Other Non-Current Liabilities -1
7.67 %3.58 %87.88 %Total Liabilities$631.9m
EFFICIENCY
Earnings Waterfall World Acceptance Corporation
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Revenue 525 M
Cost Of Revenue 157 M
Gross Profit 368 M
Operating Expenses 264 M
Operating Income 152 M
Other Expenses 74.3 M
Net Income 77.3 M
600m600m500m500m400m400m300m300m200m200m100m100m00525m(157m)368m(264m)152m(74m)77mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
70.10% GROSS MARGIN
70.10%
28.89% OPERATING MARGIN
28.89%
14.73% NET MARGIN
14.73%
18.22% ROE
18.22%
7.32% ROA
7.32%
11.77% ROIC
11.77%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis World Acceptance Corporation
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300m300m250m250m200m200m150m150m100m100m50m50m00201620162017201720182018201920192020202020212021202220222023202320242024
Net Income 77.3 M
Depreciation & Amortization 10.9 M
Capital Expenditures -5.93 M
Stock-Based Compensation -1.68 M
Change in Working Capital -1.29 M
Others 165 M
Free Cash Flow 260 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets World Acceptance Corporation
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WRLD has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership World Acceptance Corporation
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Sold
0-3 MONTHS
25 M USD 6
3-6 MONTHS
62.9 K USD 1
6-9 MONTHS
60.4 K USD 1
9-12 MONTHS
61.4 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Are Investors Undervaluing World Acceptance (WRLD) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 3 weeks ago
Should Value Investors Buy World Acceptance (WRLD) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
World Acceptance (WRLD) Now Trades Above Golden Cross: Time to Buy? World Acceptance Corporation (WRLD) reached a significant support level, and could be a good pick for investors from a technical perspective. Recently, WRLD's 50-day simple moving average broke out above its 200-day moving average; this is known as a "golden cross. zacks.com - 2 months ago
Are Investors Undervaluing World Acceptance (WRLD) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
World Acceptance Corporation (WRLD) Hit a 52 Week High, Can the Run Continue? World Acceptance (WRLD) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues. zacks.com - 2 months ago
World Acceptance Corporation (WRLD) Q3 2025 Earnings Call Transcript World Acceptance Corporation (NASDAQ:WRLD ) Q3 2025 Earnings Conference Call January 28, 2025 10:00 AM ET Company Participants Chad Prashad - President and Chief Executive Officer John Calmes - Executive Vice President, Chief Financial and Strategy Officer, and Treasurer Conference Call Participants Kyle Joseph - Stephens John Rowan - Janney Operator Good morning, and welcome to World Acceptance Corporation's Third Quarter 2025 Earnings Conference Call. This call is being recorded. seekingalpha.com - 2 months ago
World Acceptance (WRLD) Q3 Earnings and Revenues Top Estimates World Acceptance (WRLD) came out with quarterly earnings of $2.45 per share, beating the Zacks Consensus Estimate of $1.23 per share. This compares to earnings of $2.84 per share a year ago. zacks.com - 2 months ago
World Acceptance Corporation Reports Fiscal 2025 Third Quarter Results GREENVILLE, S.C.--(BUSINESS WIRE)---- $WRLD--World Acceptance Corporation (NASDAQ: WRLD) today reported financial results for its third quarter of fiscal 2025. Third fiscal quarter highlights During its third fiscal quarter, World Acceptance Corporation achieved improved loan growth while continuing to focus on credit quality. Management believes that continuing to carefully invest in our best customers and closely monitoring performance has strengthened the Company's financial position and positioned us. businesswire.com - 2 months ago
World Acceptance Corporation Announces Third Quarter 2025 Conference Call on the Internet GREENVILLE, S.C.--(BUSINESS WIRE)---- $WRLD--World Acceptance Corporation (NASDAQ:WRLD) will provide an online, real-time webcast and rebroadcast of its third quarter conference call to be held on Tuesday, January 28. The earnings release will be issued prior to the call. The live broadcast of World Acceptance Corporation's conference call will be available online at WRLD 3Q25 Webcast on January 28, beginning at 10:00 a.m. (Eastern Time). The online replay will follow immediately and continue for 30 days. businesswire.com - 2 months ago
Is World Acceptance (WRLD) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
World Acceptance Corporation (WRLD) Q2 2025 Earnings Call Transcript World Acceptance Corporation (NASDAQ:WRLD ) Q2 2025 Earnings Conference Call October 25, 2024 10:00 AM ET Company Participants Chad Prashad - President & Chief Executive Officer Johnny Calmes - Chief Financial & Strategy Officer Conference Call Participants John Rowan - Janney Operator Good morning, and welcome to World Acceptance Corporation's Second Quarter 2025 Earnings Conference Call. This call is being recorded. seekingalpha.com - 5 months ago
World Acceptance (WRLD) Surpasses Q2 Earnings Estimates World Acceptance (WRLD) came out with quarterly earnings of $3.99 per share, beating the Zacks Consensus Estimate of $1.99 per share. This compares to earnings of $2.71 per share a year ago. zacks.com - 5 months ago
8. Profile Summary

World Acceptance Corporation WRLD

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 669 M
Dividend Yield 0.00%
Description 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.
Contact 104 S. Main Street, Greenville, SC, 29601 https://www.loansbyworld.com
IPO Date Nov. 26, 1991
Employees 2872
Officers Mr. Scott McIntyre Senior Vice President of Accounting Mr. Luke J. Umstetter Senior Vice President, General Counsel, Chief Compliance Officer & Secretary Mr. Jackie C. Willyard Senior Vice President of Operations Mr. Jason E. Childers Senior Vice President of Information Technology Strategic Solutions Victoria G. Hammond Senior Vice President of Marketing Mr. Jeff L. Tinney Senior Vice President of Operations Mr. Ravin Chad Prashad President, Chief Executive Officer & Director Ms. Alice Lindsay Caulder Senior Vice President of Human Resources Mr. John L. Calmes Jr. Executive Vice President, Chief Financial & Strategy Officer and Treasurer Mr. Daniel Clinton Dyer Executive Vice President & Chief Branch Operations Officer