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WRLD

World Acceptance Corporation

WRLD

NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $1.0B

$207.98

-5.23%

View full research view

Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$110.00 - $227.68

P/E

26.63

Fwd P/E

18.92

Beta

1.20

Div Yield

0.00%

Avg Vol

147.4K

Shares Out

5.0M

Mkt Cap

$1.0B

Price action

Price chart

Up 26.7% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

5 reasons

  • Established branch network of 1,167 locations across 16 states
  • Specialized expertise serving underserved borrowers with limited credit access
  • Multiple revenue streams from insurance and ancillary services
  • 60+ year operating history and brand recognition in regional markets
  • Direct customer relationships enabling cross-selling opportunities

Bear Case

2 risks

  • Average volatility.
  • Significant premium - growth priced in

Growth

Moderate growth ahead

Expansion of branch network in existing and new markets

Value

Significant premium - growth priced in

Momentum

Hot

+56.9% over 3m

Quality

Excellent

Excellent business quality

Dividend

None

No dividend

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 29, 2026

Q2 26 RECAP

APR 30, 2026

Reported EPS of $7.70 vs $7.74 consensus (-0.5% surprise). Revenue of $177.6M vs $168.4M expected (+5.5%).

EPS miss
Rev beat +5.5%

EPS surprise · last 4Q

0 of 1 beats

Q2 26

-0.5%

Next: Apr 29, 2026

Revenue trend · last 8Q

+4%

+3%

-1%

+1%

Q4 24

Q1 24

Q2 24

Q3 24

Q4 25

Q1 25

Q2 25

Q3 25

$147.5M

$119.8M

$121.0M

$127.3M

$154.1M

$132.5M

$134.5M

$141.3M

Margins · last 8Q

Gross

63.6%

Operating

-0.7%

Profit

-0.7%

Wall Street consensus

Analyst coverage

Live ratings and price targets aggregated across covering analysts.

No analyst coverage on file for this stock yet.

vs Industry

How WRLD stacks vs Financial - Credit Services

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.