World Acceptance Corporation (WRLD) fair value: what the stock is really worth
As of Nov 2, 2026: fair value (intrinsic value) of World Acceptance Corporation stock $148, price $165, that is 10.7% below the price, quality 61 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range $59.56 – $259.00 · fair‑value band $72.36 – $195.25 · the $165.43 price screens above the $147.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.
Follow World Acceptance in your weekly email
Every Wednesday you see whether World Acceptance is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
World Acceptance Corporation engages in consumer finance business in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals.
Show moreShow less
It also provides income tax return preparation and electronic filing services; and automobile club memberships. The company serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders.
World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.
Stock analysis
World Acceptance Corporation (WRLD) currently trades at $165.43, while our model-based Fair Value estimate is $147.74, 10.7% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Growth DCF group reads highest at a median of $231.44 per share, and 4 of the 11 models we run sit above the $165.43 price.
Bear case: the Earnings-Based group reads lowest at $44.01, and 7 of the 11 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $72.36 (bear) to $195.25 (bull), the price of $165.43 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
World Acceptance Corporation reported revenue of $585M in FY2026 versus $585M in FY2022, a compound 0.0%/yr. Reported net income was $34.6M in FY2026, compounding −10.5%/yr from FY2022.
Key figures
Market cap $758M Small · P/E ratio 20.8 · P/S ratio 1.23 · EPS (TTM) $7.94 · Net margin 5.9% · Return on equity 13.9% · Return on assets (EBIT) 7.4% · Operating margin 16.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 43% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −11%, WRLD screens richer than that median.
Fair Value models
Bear$72.36Fair Value $147.74Bull$195.25
Price $165.43 · Downside -10.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($4.72 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.67/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.1%
Start year 2021 (pandemic). Over 10 years: +0.5% a year
Revenue growth 34 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.2%
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−2.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−2.3% vs −2.7%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 8%
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−8.0%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −10.1% a year for the price.
Compare World Acceptance Corporation with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 282 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside−10.7% · Below median
Profitability
Return on equity (12 months)13.9% · Above median
Return on assets3.3% · Above median
Net margin (12 months)8.3% · Bottom 25%
Operating margin (12 months)16.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)3.5% · Below median
Balance sheet
Debt / equity1.67× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is World Acceptance Corporation (WRLD) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of $147.74 versus a price of $165.43, about 11% lower (overvalued).
What is the fair value of WRLD?
Our model-based fair value for World Acceptance Corporation is $147.74 (as of Nov 1, 2026), built from audited fundamentals. The current price: $165.43.
What is the quality score of WRLD?
World Acceptance Corporation has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for World Acceptance Corporation (WRLD)?
Our model-based price target is the fair value of $147.74 (as of Nov 1, 2026) from 11 valuation models. Cautious scenario $72.36, optimistic scenario $195.25. It is a calculation from audited fundamentals, not an analyst target.
What is the World Acceptance Corporation stock forecast for 2026?
Our models put fair value at $147.74, about 11% lower versus a price of $165.43 (overvalued). Cautious scenario $72.36, optimistic scenario $195.25. The calculation is refreshed regularly with new filings.
What is the revenue of World Acceptance Corporation (WRLD)?
World Acceptance Corporation reported trailing-twelve-month revenue of about $596M (latest available figure, as of Nov 1, 2026).
What growth is priced into World Acceptance Corporation (WRLD)?
For today's price to be fair in a discounted-cash-flow model, World Acceptance Corporation would have to grow free cash flow by -8.0 % per year for five years (discount rate 11.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +2.1 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of WRLD use?
Our models discount World Acceptance Corporation at 11.7 %: a base by market capitalisation (small), damped by beta 1.18, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For World Acceptance Corporation that is -8.0 % per year a year over ten years, using the same discount rate (11.7 %) and the same formula as our fair value.
How much growth has World Acceptance Corporation (WRLD) delivered so far?
Over the past 5 years revenue at World Acceptance Corporation grew +2.1 % a year. The price currently implies -8.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of World Acceptance Corporation (WRLD) growing?
The median revenue growth in the sector is +9.6 % a year. That is the yardstick for the growth priced into World Acceptance Corporation (-8.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of World Acceptance Corporation (WRLD)?
The free-cash-flow yield on the price is 33.71 %: that much free cash flow World Acceptance Corporation produces per unit of market value. When it exceeds the discount rate of our models (11.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of World Acceptance Corporation (WRLD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For World Acceptance Corporation it is $147.74 per share (as of Nov 1, 2026), against a price of $165.43. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is World Acceptance Corporation stock overvalued or undervalued in 2026?
As of Nov 1, 2026, WRLD trades above its calculated fair value: price $165.43, fair value $147.74, a gap of about −11% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WRLD?
No. The price is what the market pays today ($165.43); the fair value is what the company's own numbers justify ($147.74). For World Acceptance Corporation the two are $17.69 per share apart. That gap is exactly why we show both numbers side by side.
How much is World Acceptance Corporation worth?
The market values World Acceptance Corporation at about $758M (market capitalisation, as of Nov 1, 2026). Per share that is $165.43; our models calculate a fair value of $147.74 per share.
What do the bullish and bearish scenarios say about WRLD?
Our models span a range for World Acceptance Corporation: cautious scenario $72.36, base $147.74, optimistic $195.25 per share (as of Nov 1, 2026, price $165.43). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WRLD?
World Acceptance Corporation trades at a price-to-earnings ratio of 20.8 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $147.74 is built from several models across several years. Other multiples: PEG 0.7, P/B 2.2, P/S 1.3, EV/EBITDA 11.1.
What is the PEG ratio of WRLD?
The PEG ratio of World Acceptance Corporation is 0.70 (P/E divided by earnings growth, as of Nov 1, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of World Acceptance Corporation (WRLD)?
Balance-sheet figures for World Acceptance Corporation (as of Nov 1, 2026): return on equity 13.9%, debt of 1.67 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is WRLD from its 52-week high?
World Acceptance Corporation trades at $165.43, about 26% below its 52-week high of $223.83 and 43% above the low of $115.57 (as of Nov 2, 2026). Distance from the high says nothing about value: that is what the fair value of $147.74 is for.
Which stocks are comparable to World Acceptance Corporation?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is World Acceptance Corporation stock attractive at the current price?
The data as of Nov 1, 2026: price $165.43, calculated fair value $147.74 (−11%), Quality Score 61/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WRLD calculated?
We run World Acceptance Corporation through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $147.74, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. World Acceptance Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of World Acceptance Corporation (WRLD)?
The closing price on Nov 2, 2026 was $165.43. Our model-based fair value is $147.74, about 11% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with World Acceptance Corporation right now?
The model range is unusually wide ($72.36 to $195.25). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of World Acceptance Corporation (WRLD) come from?
Earnings per share at World Acceptance Corporation grew +2.5 % a year from 2015 to 2026. Broken into its drivers: revenue per share +6.4 %, EBIT margin −4.0 %, tax rate +2.3 %, residual (interest, one-offs) −2.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of World Acceptance Corporation
How large is the market capitalisation of World Acceptance Corporation (WRLD)?
The market capitalisation of World Acceptance Corporation is $758M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of World Acceptance Corporation (WRLD)?
The price-to-sales ratio of World Acceptance Corporation is 1.23 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of World Acceptance Corporation (WRLD)?
Earnings per share at World Acceptance Corporation are $7.94 (price ÷ EPS = P/E 20.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of World Acceptance Corporation (WRLD)?
The net margin of World Acceptance Corporation is 5.9% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of World Acceptance Corporation (WRLD)?
The return on equity (ROE) of World Acceptance Corporation is 13.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of World Acceptance Corporation (WRLD)?
On an EBIT basis the return on assets of World Acceptance Corporation is 7.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of World Acceptance Corporation (WRLD)?
The operating margin of World Acceptance Corporation is 16.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at World Acceptance Corporation (WRLD)?
Revenue at World Acceptance Corporation is growing +3.5% versus a year earlier (3y avg −1.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at World Acceptance Corporation (WRLD)?
Earnings per share at World Acceptance Corporation are growing +343% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does World Acceptance Corporation (WRLD) carry?
The net debt of World Acceptance Corporation is $655M (fiscal year 2026, ≈ 2.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch World Acceptance Corporation in the live analysis
One click puts World Acceptance Corporation on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Some data
Nov 1, 2026