World Acceptance stock
WRLDNASDAQWorld Acceptance Corporation, Financial ServicesISIN US9814191048
56Score 56 out of 100, Neutral
Price and trend
39 / 100
Price history
+3.2% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 15% below it.
Since June 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Sharply down: the price has fallen very quickly lately (RSI 20).
The price is 38% below its 52-week high. Largest decline in 20 years: 77% (December 2021 to December 2022).
Chart figures for advanced users
- SMA 50$172.85
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$164.11
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)20
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$115.57
- The lowest closing price of the last twelve months.
- Resistance$223.83
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- World Acceptance Corporation belongs to the Financial (Credit Services) industry (United States) and, with a market value of $649.2M, is number 51 of 61 companies in its industry on MEQIRI.
- In fiscal 2026 it reported revenue of $585.17M (up 3.6% year on year) and earnings of $34.59M (down 61.5%).
- MEQIRI Score 56 out of 100 (Neutral): rank 792 of 976 in Financial Services, median 68.
Show more
- The P/E is 12.7 (Financial (Credit Services) median 11.8, own median of recent years 16.1).
- Our model puts fair value at $469.00, with the price 70% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings turn into cashFree cash flow above 500% of earnings over the last 12 months.Fundamentals 84
- Share buybacksShare count down 25% since 2021.Capital allocation 65
- Consistently profitableProfit in all 10 fiscal years from 2017 to 2026.Fundamentals 84
Weaknesses
- Margin fallingOperating margin 7.7%, average of the prior years 17.3% (to 2025).Profitability 59
- Interest barely coveredOperating profit covers interest only 1.9 times.Stability 26
- Earnings per share fallingDown 12% a year since 2021.Growth 45
Its standout strengths are valuation and fundamentals, while technical analysis and stability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
- high price swings
What lowers it
- solid fundamentals
Valuation
Valuation signal
Possible value trapIn our model the price counts as cheap below $335.00 and expensive above $781.67 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $808.76 (cash-flow model) and $129.24 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 10.3%. At 11.3% the fair value would be $415.36, at 9.3% it would be $542.26.
Possible value trap: looks cheap, but high risk.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 4.5% on the twelve months before. Revenue has grown solidly since 2007, at about 4% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2026: gross 59%, operating 8%, net 6%.
Debt & balance sheet
latest quarterDebt is elevated. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 26 Jan 2027in 75 days
- Last reported
- 23 Oct 2026EPS reported $1.93 (expected $0.78)above expectations
Analyst estimates
- Earnings per share
- $13.74+4.2%
- Revenue
- $603.4M−1.6%
- Earnings per share
- $15.140.0%
- Revenue
- $641.5M−2.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +8.1%No specific guidance, the company sees itself well positioned for the rest of the fiscal year and plans to keep expenses disciplined.
“Our expenses outside of one-time costs related to the CEO transition, we saw modest increases in our G&A expense, and we expect to maintain this disciplined approach to expenses going forward.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 24 Jul 2026 (fiscal Q1 2027), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 9 insiders sold, $42.82M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Robinson Benjamin E IIISale
2 Nov 2026, Board
- Shares
- 90
- Price
- $165.32
- Value
- $14,879
- Bramlett Ken R JrSale
29 Oct 2026, Board
- Shares
- 3,797
- Price
- $176.95
- Value
- $671,875
- Prescott General Partners LLCSale
28 Oct 2026, Major holder
- Shares
- 88,324
- Price
- $169.83
- Value
- $15M
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- Prescott General Partners LLCSale
14 Aug 2026, Major holder
- Shares
- 133,199
- Price
- $187.69
- Value
- $25M
- Childers Jason E.Sale
12 Aug 2026, SVP, Information Technology
- Shares
- 2,000
- Price
- $190.74
- Value
- $381,480
- Robinson Benjamin E IIISale
10 Aug 2026, Board
- Shares
- 90
- Price
- $187.26
- Value
- $16,853
- McIntyre ScottSale
3 Aug 2026, SVP, Accounting
- Shares
- 1,300
- Price
- $185.00
- Value
- $240,500
- Calmes John L JrSale
30 Jul 2026, See remarks
- Shares
- 2,000
- Price
- $186.00
- Value
- $372,000
- Way Charles DSale
30 Jun 2026, Board
- Shares
- 833
- Price
- $225.00
- Value
- $187,425
- Robinson Benjamin E IIISale
29 Jun 2026, Board
- Shares
- 2,031
- Price
- $222.77
- Value
- $452,446
- Way Charles DSale
26 Jun 2026, Board
- Shares
- 833
- Price
- $210.00
- Value
- $174,930
- Caulder Alice LindsaySale
15 Jun 2026, SVP, Human Resources
- Shares
- 609
- Price
- $181.00
- Value
- $110,229
- Umstetter Luke J.Sale
12 Jun 2026, See remarks
- Shares
- 1,000
- Price
- $181.66
- Value
- $181,660
- Robinson Benjamin E IIISale
22 May 2026, Board
- Shares
- 90
- Price
- $160.00
- Value
- $14,400
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at World Acceptance
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 56
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- FinVolution GroupFINV $709.9M57
- Qfin HoldingsQFIN $691.28M68
- HypoportHYQ.DE $676.92M61
- Green DotGDOT $671.86M42
- Oportun FinancialOPRT $601.61M54
- NavientNAVI $555.2M36
- LendingTreeTREE $517.22M59
- GrenkeGLJ.DE $517.13M46
ETFs that hold World Acceptance
Held by 11 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.03% | 0.39% | €1.47B |
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.02% | 0.30% | €2.28B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.02% | 0.30% | €185.82M |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.01% | 0.39% | €188.08M |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.01% | 0.30% | €944.34M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.01% | 0.35% | €8.19B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 31 Mar 2026
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 24 Oct 2025)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.