World Acceptance Corporation (WRLD) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of World Acceptance Corporation $148, price $170, upside -12.8%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $59.56 – $259.00 · fair‑value band $72.67 – $196.10 · the $170.07 price screens above the $148.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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. 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 $170.07, while our model-based Fair Value estimate is $148.38, implying the stock looks roughly 14.6% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $96.89 per share, and 3 of the 9 models we run sit above the $170.07 price.
Bear case: the Earnings-Based group reads lowest at $44.20, and 6 of the 9 models stay below the price. Evidence for this calculation is high.
Scenario range: $72.67 (bear) to $196.10 (bull), the price of $170.07 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 62/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
World Acceptance Corporation reported revenue of $586M 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 $855M · P/E ratio 24.7 · P/S ratio 1.46 · EPS (TTM) $6.89 · Net margin 5.9% · Return on equity 8.8% · Return on assets (EBIT) 8.4% · Operating margin 33.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 24% below its 52-week high and 47% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −13%, WRLD screens cheaper than that median.
Fair Value models
Bear $72.67Fair Value $148.38Bull $196.10
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then ($3.34 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.Evidence ⓘEvidence = 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.56/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.7%
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%
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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.
−4.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.1%
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.−4% vs −4%, 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% → 16%
Compare World Acceptance Corporation with another stock
Price, fair value, quality and upside side by side.
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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 · 332 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside−14% · Below median
Profitability
Return on equity (TTM)9% · Above median
Return on assets6% · Top 25%
Net margin (TTM)6% · Bottom 25%
Operating margin (TTM)33% · Above median
Growth and dividend
Revenue growth7% · Below median
Balance sheet
Debt / equity1.67× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is World Acceptance Corporation (WRLD) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $148.38 versus a price of $170.07, about −13% upside (overvalued).
What is the fair value of WRLD?
Our model-based fair value for World Acceptance Corporation is $148.38 (as of Sep 23, 2026), built from audited fundamentals. The current price: $170.07.
What is the quality score of WRLD?
World Acceptance Corporation has a Quality Score of 62/100. 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 $148.38 (as of Sep 23, 2026) from 9 valuation models. Cautious scenario $72.67, optimistic scenario $196.10. 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 $148.38, about −13% upside versus a price of $170.07 (overvalued). Cautious scenario $72.67, optimistic scenario $196.10. 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 $585M (latest available figure, as of Sep 23, 2026).
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 $148.38 per share (as of Sep 23, 2026), against a price of $170.07. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is World Acceptance Corporation stock overvalued or undervalued in 2026?
As of Sep 23, 2026, WRLD trades above its calculated fair value: price $170.07, fair value $148.38, a gap of about −13% (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 ($170.07); the fair value is what the company's own numbers justify ($148.38). For World Acceptance Corporation the two are $21.69 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 $855M (market capitalisation, as of Sep 23, 2026). Per share that is $170.07; our models calculate a fair value of $148.38 per share.
What do the bullish and bearish scenarios say about WRLD?
Our models span a range for World Acceptance Corporation: cautious scenario $72.67, base $148.38, optimistic $196.10 per share (as of Sep 23, 2026, price $170.07). 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 24.7 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $148.38 is built from several models across several years. Other multiples: PEG 0.7, P/B 2.5, P/S 1.5, EV/EBITDA 14.0.
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 Sep 23, 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 Sep 23, 2026): return on equity 8.8%, debt of 1.67 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is WRLD from its 52-week high?
World Acceptance Corporation trades at $170.07, about 24% below its 52-week high of $223.83 and 47% above the low of $115.57 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $148.38 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 Sep 23, 2026: price $170.07, calculated fair value $148.38 (−13%), Quality Score 62/100, from 9 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 9 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 $148.38, 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 14.1 % 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 Sep 23, 2026 was $170.07. Our model-based fair value is $148.38, about −13% upside (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 ($72.67 to $196.10). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. 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 +2.2 % a year from 2015 to 2026. Broken into its drivers: revenue per share +6.1 %, EBIT margin −2.3 %, tax rate +2.3 %, residual (interest, one-offs) −3.6 %. 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 $855M. 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 1.46 (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 $6.89 (price ÷ EPS = P/E 24.7). 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 8.8% (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 8.4% (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 33.0% (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 +7.3% 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 −5.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does World Acceptance Corporation (WRLD) generate?
The free cash flow of World Acceptance Corporation is $255B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does World Acceptance Corporation (WRLD) carry?
The net debt of World Acceptance Corporation is $655M (fiscal year 2026, ≈ 0.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 23, 2026