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WORLD ACCEPTANCE CORP

WRLDNASDAQ
πŸ† #2570 by market capEarnings Jan 25US Equity
$169.78β–² $0.91 (+0.54%)
Pre-market Β· at close
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24hβ–² 0.5%
7dβ–Ό 0.6%
14dβ–Ό 1.3%
30dβ–² 0.5%
ytdβ–² 18.8%
1yβ–² 26.8%
🏦Market Cap
$764M
Small Cap
πŸ“ˆRevenue Growth (YoY)
4.3%
Slowing
πŸ“ŠGross Margin
92.0%
High
πŸ’΅FCF Margin
44.2%
Strong
βš–οΈP/S Ratio
1.4x
Cheap
Otter Score
76
Strong

Trading Snapshot

Day Range
$169.56 – $169.78
52-Week Range
$110.00 – $227.68
Volume (shares)
1,542
Avg Volume (shares)
β€”
Shares Outstanding
4.5M
Next Earnings
2027-01-25

Fundamentals Snapshot

Annual Revenue
$585M
Last Q Revenue
$139M
P/E Ratio
20.6
P/S Ratio
1.4x
EPS (TTM)
$7.94
Dividend Yield
β€”
Dilution (1yr)
βˆ’8.8%
WRLD logo

WORLD ACCEPTANCE CORP

WRLD
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$585Mβ–² +3.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
59.3%β–Ό βˆ’15.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$45Mβ–Ό βˆ’71.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$255Mβ–² +2.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
4.6Mβ–Ό βˆ’8.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$638Mβ–² +$104M YoY
StockOtter Β· stockotter.space

About WORLD ACCEPTANCE CORP

World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insuranceβ€”such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policiesβ€”marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Sell
6 analysts
Strong Buy0
Buy0
Hold3
Sell1
Strong Sell2
Ratings as of Oct 2026

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