WRLD logo

WORLD ACCEPTANCE CORP

WRLDNASDAQ
πŸ† #2207 by market capEarnings Oct 21US Equity
$187.14β–² $0.30 (+0.16%)
Market closed Β· at close
1hβ€”
24hβ–² 0.2%
7dβ–Ό 3.0%
14dβ–Ό 2.0%
30dβ–Ό 4.5%
1yβ–² 15.8%
🏦Market Cap
$872M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+4.3%
Slowing
πŸ“ŠGross Margin
92.0%
High
πŸ’΅FCF Margin
43.2%
Strong
βš–οΈP/S Ratio
1.5x
Cheap
Otter Score
53
Weak

Trading Snapshot

Day Range
$184.87 – $190.38
52-Week Range
$110.00 – $227.68
Volume
$3.85B
Avg Volume
$2.59B
Shares Outstanding
4.7M
Next Earnings
Oct 2, 2026

Fundamentals Snapshot

Annual Revenue
$585M
Last Q Revenue
$139M
P/E Ratio
22.2
P/S Ratio
1.5x
EPS (TTM)
$7.94
Dividend Yield
β€”

Why Investors Own WRLD

  • βœ“High-growth profile β€” revenue up +37.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 56% gross margin and 21% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$585Mβ–² +37.1% YoY
Gross Margin (TTM)
56.0%β–² +3.5% YoY
Operating Income (TTM)
$155Mβ–² +37.1% YoY
Free Cash Flow (TTM)
$125Mβ–² +37.1% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
53/100

Analyst Ratings

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

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