WRLD
World Acceptance Corporation
WRLD's fundamentals are mixed: revenue grew 4.3%, but its operating margin fell 2 points to 11%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
WRLD Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
WRLD's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like WRLD.
WRLD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $109 | -20% |
| Forward | 10x | $136 | — |
| Current | 13x | $136 | — |
| Fair | 14x | $151 | +11% |
| Expensive | 23x | $239 | +75% |
Historical ranges are pointers, not guarantees.
WRLD's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
WRLD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for WRLD, with profitability improving.
WRLD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.23 | +26% |
| Q3 2026 | $10.50 | +0.5% |
| Q2 2026 | $8.20 | -45% |
| Q1 2026 | $7.12 | -56% |
| Q4 2025 | $7.81 | -45% |
| Q3 2025 | $10.45 | -29% |
| Q2 2025 | $14.82 | +10% |
| Q1 2025 | $16.36 | +23% |
| Q4 2024 | $14.32 | +24% |
WRLD's earnings per share have fallen from their peak: $10.50 over the past year, against $16.36 in early 2025. Its recent earnings include one-off gains.
WRLD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $139.2M | +3.5% |
| Q2 2026 | $139.2M | +5.1% |
| Q1 2026 | $175.9M | +6.4% |
| Q4 2025 | $141.3M | +1.9% |
| Q3 2025 | $134.5M | +2.3% |
| Q2 2025 | $132.5M | +2.3% |
| Q1 2025 | $165.3M | +3.8% |
| Q4 2024 | $138.6M | +0.6% |
WRLD's revenue has grown year over year for eight quarters in a row: $139M last quarter, up 3.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 8.4% | +9.6 points |
| Q2 2026 | 5.7% | +4.2 points |
| Q1 2026 | 26% | -7.8 points |
| Q4 2025 | -0.7% | -12 points |
| Q3 2025 | -1.3% | -23 points |
| Q2 2025 | 1.5% | -8.5 points |
| Q1 2025 | 33% | +4.1 points |
| Q4 2024 | 12% | -2.6 points |
WRLD's operating margin was 8.4% last quarter, up 9.6 points from the same quarter a year ago.
WRLD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.7M | +36% |
| Q2 2026 | $63.1M | +10% |
| Q1 2026 | $93.5M | +3.8% |
| Q4 2025 | $57.2M | -5.4% |
| Q3 2025 | $47.7M | -9.4% |
| Q2 2025 | $57.1M | +21% |
| Q1 2025 | $90.1M | +9.5% |
| Q4 2024 | $60.4M | +4.8% |
WRLD's free cash flow was $278M over the past year, up 9.1% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WRLD.
WRLD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -22.7K shares |
| 1 year | -10% | -534K shares |
| 3 years | -23% | -1.4M shares |
| 5 years | -29% | -1.9M shares |
| Available history | -37% | -2.7M shares |
WRLD has 5M diluted shares, down 10% from a year ago, with $80M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $2.2M |
| Q1 2026 | $37.8M |
| Q4 2025 | $15M |
| Q3 2025 | $66.6M |
| Q2 2025 | $13M |
| Q1 2025 | $32M |
| Q4 2024 | $1M |
WRLD spent $80M buying back its own shares over the past year, down 29% from the year before.
WRLD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.1x | High |
| Q2 2026 | 9.5x | High |
| Q1 2026 | 10.9x | High |
| Q4 2025 | 10.5x | High |
| Q3 2025 | 7.0x | High |
| Q2 2025 | 4.2x | High |
| Q1 2025 | 3.6x | Elevated |
| Q4 2024 | 4.8x | High |
WRLD's net debt is about 8.1 years of its operating earnings (EBITDA), up from 7.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WRLD.
WRLD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.0 | Neutral |
| Stochastic | 5.0 | Oversold |
WRLD's weekly RSI is 32 (neutral) and its Stochastic is 5 (oversold).
WRLD PE vs Financial Services Sector
| Metric | WRLD | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.3% below |
| PE % | 35 | 63 | 28 pts below |
WRLD is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
WRLD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $163.8 | 17% below |
| 20 week MA | $180.8 | 25% below |
| 50 week MA | $160.8 | 15% below |
| 100 week MA | $153.5 | 11% below |
| 200 week MA | $136.8 | 0.4% below |
WRLD is in a downtrend: it's below all five of its weekly moving averages, and 0.4% below its 200-week average.
WRLD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $85.9 | $103.4 | +20% |
| 2021 | $103.4 | $254.3 | +146% |
| 2022 | $254.3 | $63.5 | -75% |
| 2023 | $63.5 | $130.5 | +106% |
| 2024 | $130.5 | $110.7 | -15% |
| 2025 | $110.7 | $147.4 | +33% |
| 2026 YTD | $147.4 | $136.3 | -7.5% |
WRLD's yearly returns have swung widely, from +146% in 2021 to −75% in 2022. It's down 7.5% so far in 2026.