World Acceptance Corporation (WRLD) AI Stock Analysis

World Acceptance Corporation operates in the small-loan consumer finance sector, catering primarily to individuals who have limited access to traditional sources of credit like banks and credit unions. Established in 1962 and headquartered in Greenville, South Carolina, the company offers short-term small installment loans, larger medium-term installment loans, credit insurance, and ancillary products. It also provides automobile club memberships and income tax return preparation services. Additionally, the company sells insurance products, including credit life, credit accident and health, credit property and auto, unemployment, and accidental death and dismemberment insurance. It operates through a network of 1,167 branches across multiple states including Alabama, Georgia, Texas, and Wisconsin.

Revenue moved from $585.2M in FY2022 to $616.5M in FY2023, before declining to $573.2M in FY2024 and $564.8M in FY2025. In FY2026, revenue grew 3.6% to $585.2M, reflecting a 5-year revenue CAGR of 2.1% from FY2021 to FY2026. Operating margin fluctuated over this span, posting 11.2% in FY2022, 4.4% in FY2023, 28.1% in FY2025, and 7.7% in FY2026. Net income reached $34.6M in FY2026 with an EPS of $7.38, compared to net income of $89.7M and EPS of $16.36 in FY2025. In the latest quarter ended June 30, 2026, quarterly revenue increased 4.8% year-over-year, while quarterly earnings grew 343.3% year-over-year.

As of June 30, 2026, World Acceptance Corporation held $10.4M in cash and short-term investments against total debt of $648.1M, resulting in net debt of $637.7M. Total assets were $1.08B and shareholders' equity was $362.2M, reflecting a current ratio of 0.43 and a debt-to-equity ratio of 1.79. During FY2026, the company generated operating cash flow of $259.4M and free cash flow of $255.5M. Cash deployment included $3.9M in capital expenditures and $132.4M allocated to share buybacks.

World Acceptance Corporation trades at a trailing P/E of 21.6x, above the 12.1x median of its US-listed Financial Services peers, while its forward P/E of 9.6x is below the peer median of 10.8x. Its price-to-sales multiple is 1.4x compared to the peer median of 3.2x, against a market cap of $799.9M and an enterprise value of $1.41B. Over the past year, the stock recorded a return of -0.6% compared to a 16.8% return for the S&P 500 (SPY). Over 5 years, WRLD returned -11.8% against an 83.0% return for SPY.

Analyst coverage consists of 1 Hold rating, with 0 Buy and 0 Sell ratings. The mean price target is $180.00, representing a 4.9% premium over the last close of $171.64. For the current fiscal year ending March 31, 2027, the consensus EPS estimate is $13.18 on projected revenue of $613.1M, representing estimated EPS growth of 89.1%. For the next fiscal year, 1 analyst estimates EPS of $15.14 on revenue of $654.9M. Over the last four quarters, the company beat EPS estimates 1 time. The next earnings date is October 22, 2026.

This page is an AI-written research summary of World Acceptance Corporation (WRLD). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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