Is WRLD a good stock to buy right now?

Based on our 6-factor quantitative model, WORLD ACCEPTANCE CORP (WRLD) receives a "Hold" rating with a composite score of 38.6/100. It is ranked #1,770 out of 4,446 stocks. Key factor scores: Quality 40/100, Value 37/100, Momentum 40/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for WRLD?

WORLD ACCEPTANCE CORP (WRLD) has a "Hold" rating and 3-star score. The composite score of 38.6 ranks it #1,770 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is WRLD in?

WORLD ACCEPTANCE CORP operates in the Financials sector (Banking industry) with a market cap of $699 million. It is classified as a small-cap stock.

Does WRLD pay a dividend?

WRLD does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is WRLD's P/E ratio?

WRLD has a trailing P/E ratio of 60.53x. The Financials sector average is 14.9x. This above-average P/E reflects growth expectations or premium valuation.

How profitable is WRLD?

WRLD's quality factor score is 40/100. ROE: 3.4% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is WRLD valued compared to peers?

WRLD's value factor score is 37/100 (higher = cheaper). Key multiples: P/E 60.5x, EV/EBITDA 91.5x. Trading at a premium relative to peers.

What is WRLD's debt level?

WRLD's debt-to-equity ratio is 193%. Sector average: 121%. Elevated leverage increases credit risk.

WRLD has a beta of 1.19, meaning it tracks the market. Stability score: 49/100.

Does WRLD have high short interest?

WRLD's short interest factor score is 30/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

WRLD Stock Analysis: Top Small-Cap Hold (Score 38.6/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
WRLD	-3.61%	+6.39%	+6.67%	+5.99%	+22.34%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-3.54%	+2.79%	+6.34%	+6.35%	-7.19%	-	-	-
Alpha vs Sector	-2.52%	+3.89%	+5.26%	+13.29%	+11.75%	-	-	-

Metric	WRLD	Benchmark
P/E Ratio	60.5x	+307%
EV/EBITDA	91.5x	+2706%
Price / Book	2.0x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
WRLD WORLD ACCEPTANCE CORP	39	40	37	40	60.5x	3.4%	-	2.1%	7.5%	193.0x	$699M

Key Ratio	TTM	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
Gross Margin %	-	-	-	-	-	-	-0.1%	0.9%	0.0%	0.0%	0.0%
Operating Margin %	0.0%	-0.0%	0.2%	0.2%	0.0%	0.1%	1.1%	0.1%	1.0%	1.0%	1.0%
EBITDA Margin %	0.0%	-0.0%	0.2%	0.2%	0.0%	0.1%	0.3%	0.1%	0.2%	0.2%	0.2%
Net Margin %	0.0%	-0.0%	0.2%	0.1%	0.0%	0.1%	0.2%	0.0%	0.1%	0.1%	0.2%
FCF Margin %	-	-	-	-	-	-	37.6%	43.6%	43.1%	41.5%	40.0%
ROE %	0.0%	-0.0%	0.2%	0.2%	0.1%	0.1%	0.2%	0.1%	0.1%	0.1%	0.2%
ROA %	0.0%	-0.0%	0.1%	0.1%	0.0%	0.0%	0.1%	0.0%	0.0%	0.1%	0.1%
ROIC %	0.0%	-0.1%	10.0%	8.5%	2.2%	4.8%	52.3%	7.6%	54.1%	51.3%	56.7%

Key Ratio

TTM

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

Gross Margin %

-0.1%

0.9%

0.0%

Operating Margin %

0.0%

-0.0%

0.2%

0.0%

0.1%

1.1%

0.1%

1.0%

EBITDA Margin %

0.0%

-0.0%

0.2%

0.0%

0.1%

0.3%

0.1%

0.2%

Net Margin %

0.0%

-0.0%

0.2%

0.1%

0.0%

0.1%

0.2%

0.0%

0.1%

0.2%

FCF Margin %

37.6%

43.6%

43.1%

41.5%

40.0%

ROE %

0.0%

-0.0%

0.2%

0.1%

0.2%

0.1%

0.2%

ROA %

0.0%

-0.0%

0.1%

0.0%

0.1%

0.0%

0.1%

ROIC %

0.0%

-0.1%

10.0%

8.5%

2.2%

4.8%

52.3%

7.6%

54.1%

51.3%

56.7%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$547M	$565M	$573M	$617M	$582M	$500M	$564M	$545M	$503M	$532M	$557M	$610M
	—	—	—	—	—	-$26M	$482M	$0	$0	$0	$0	$0
Gross Margin	---	---	---	---	---	-5.1%	85.5%	0.0%	0.0%	0.0%	0.0%	0.0%
	—	—	—	—	—	$15M	$13M	$9M	$9M	$9M	$10M	$8M
Total Operating Expenses	—	$453M	$474M	$589M	$517M	—	—	—	—	—	—	—
	$15M	$112M	$99M	$27M	$66M	$526M	$82M	$545M	$503M	$532M	$557M	$610M
EBIT	$15M	$112M	$99M	$27M	$66M	$526M	$82M	$545M	$503M	$532M	$557M	$610M
EBITDA	$15M	$112M	$99M	$27M	$66M	$143M	$71M	$99M	$106M	$115M	$148M	$184M
Operating Margin	2.8%	19.8%	17.3%	4.4%	11.3%	105.1%	14.5%	100.0%	100.0%	100.0%	100.0%	100.0%
EBITDA Margin	2.8%	19.8%	17.3%	4.4%	11.3%	28.7%	12.6%	18.1%	21.1%	21.7%	26.5%	30.1%
	—	$43M	$48M	$50M	$33M	$26M	$26M	$0	$0	$0	$0	$0
	—	$112M	$99M	$27M	$66M	—	—	—	—	—	—	—
Income Tax Expense	—	$22M	$22M	$6M	$12M	$23M	$7M	$16M	$48M	$40M	$50M	$65M
	$12M	$90M	$77M	$21M	$54M	$88M	$28M	$37M	$54M	$74M	$87M	$111M
Net Margin	2.1%	15.9%	13.5%	3.4%	9.3%	17.6%	5.0%	7.1%	11.1%	15.7%	15.7%	18.2%
	$-0.19	$16.54	$13.45	$3.69	$8.88	$13.59	$3.66	$4.14	$6.11	$8.45	$10.12	$12.12
Diluted EPS	$-0.19	$16.30	$13.19	$3.60	$8.47	$13.59	$3.66	$4.14	$6.11	$8.45	$10.12	$12.12
Weighted Avg Basic	—	5M	6M	6M	6M	—	—	—	—	—	—	—
Weighted Avg Diluted	—	6M	6M	6M	6M	—	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$547M

$565M

$573M

$617M

$582M

$500M

$564M

$545M

$503M

$532M

$557M

$610M

—

-$26M

$482M

Gross Margin

---

-5.1%

85.5%

0.0%

—

$15M

$13M

$9M

$10M

$8M

Total Operating Expenses

—

$453M

$474M

$589M

$517M

—

$15M

$112M

$99M

$27M

$66M

$526M

$82M

$545M

$503M

$532M

$557M

$610M

EBIT

$15M

$112M

$99M

$27M

$66M

$526M

$82M

$545M

$503M

$532M

$557M

$610M

EBITDA

$15M

$112M

$99M

$27M

$66M

$143M

$71M

$99M

$106M

$115M

$148M

$184M

Operating Margin

2.8%

19.8%

17.3%

4.4%

11.3%

105.1%

14.5%

100.0%

EBITDA Margin

2.8%

19.8%

17.3%

4.4%

11.3%

28.7%

12.6%

18.1%

21.1%

21.7%

26.5%

30.1%

—

$43M

$48M

$50M

$33M

$26M

—

$112M

$99M

$27M

$66M

—

Income Tax Expense

—

$22M

$6M

$12M

$23M

$7M

$16M

$48M

$40M

$50M

$65M

$12M

$90M

$77M

$21M

$54M

$88M

$28M

$37M

$54M

$74M

$87M

$111M

Net Margin

2.1%

15.9%

13.5%

3.4%

9.3%

17.6%

5.0%

7.1%

11.1%

15.7%

18.2%

$-0.19

$16.54

$13.45

$3.69

$8.88

$13.59

$3.66

$4.14

$6.11

$8.45

$10.12

$12.12

Diluted EPS

$-0.19

$16.30

$13.19

$3.60

$8.47

$13.59

$3.66

$4.14

$6.11

$8.45

$10.12

$12.12

Weighted Avg Basic

—

Weighted Avg Diluted

—

WORLD ACCEPTANCE CORP (WRLD) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does WORLD ACCEPTANCE CORP Do?

World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. 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 automobile club memberships to its borrowers; and income tax return preparation and electronic filing services. In addition, the company markets and sells credit life, credit accident and health, credit property and auto, unemployment, and accidental death and dismemberment insurance in connection with its loans. It serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. As of March 31, 2022, it operated 1,167 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina. WORLD ACCEPTANCE CORP (WRLD) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO R. Chad Prashad and employs approximately 3,120 people, headquartered in GREENVILLE, South Carolina. With a market capitalization of $699M, WRLD is one of the notable companies in the Financials sector.

WORLD ACCEPTANCE CORP (WRLD) Stock Rating — Hold (April 2026)

As of April 2026, WORLD ACCEPTANCE CORP receives a Hold rating with a composite score of 38.6/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.WRLD ranks #1,770 out of 4,446 stocks in our coverage universe. Within the Financials sector, WORLD ACCEPTANCE CORP ranks #523 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

WRLD Stock Price and 52-Week Range

WORLD ACCEPTANCE CORP (WRLD) currently trades at $148.80. The stock lost $5.57 (3.6%) in the most recent trading session. The 52-week high for WRLD is $185.48, which means the stock is currently trading -19.8% from its annual peak. The 52-week low is $104.99, putting the stock 41.7% above its annual trough. Recent trading volume was 171K shares, suggesting relatively thin trading activity.

Is WRLD Overvalued or Undervalued? — Valuation Analysis

WORLD ACCEPTANCE CORP (WRLD) carries a value factor score of 37/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 60.53x, compared to the Financials sector average of 14.88x — a premium of 307%. The price-to-book ratio stands at 2.04x, versus the sector average of 1.22x. The price-to-sales ratio is 1.31x, compared to 0.90x for the average Financials stock. On an enterprise value basis, WRLD trades at 91.49x EV/EBITDA, versus 3.26x for the sector.

At current multiples, WORLD ACCEPTANCE CORP trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

WORLD ACCEPTANCE CORP Profitability — ROE, Margins, and Quality Score

WORLD ACCEPTANCE CORP (WRLD) earns a quality factor score of 40/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 3.4%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.

The operating margin is 2.8% (sector: 21.8%). Net profit margin stands at 2.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 7.5% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

WRLD Debt, Balance Sheet, and Financial Health

WORLD ACCEPTANCE CORP has a debt-to-equity ratio of 193.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.44x, suggesting adequate working capital coverage. Total debt on the balance sheet is $677M.

WRLD has a beta of 1.19, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for WORLD ACCEPTANCE CORP is 49/100, reflecting average volatility within the normal range for its sector.

WORLD ACCEPTANCE CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, WORLD ACCEPTANCE CORP reported revenue of $547M and earnings per share (EPS) of $-0.19. Net income for the quarter was $12M. Operating income came in at $15M.

In Q3 2026, WORLD ACCEPTANCE CORP reported revenue of $141M and earnings per share (EPS) of $-0.19. Net income for the quarter was $-911,330. Revenue grew 1.9% year-over-year compared to Q3 2025. Operating income came in at $-1M.

In Q2 2026, WORLD ACCEPTANCE CORP reported revenue of $134M and earnings per share (EPS) of $-0.38. Net income for the quarter was $-2M. Revenue grew 2.3% year-over-year compared to Q2 2025. Operating income came in at $-2M.

In Q1 2026, WORLD ACCEPTANCE CORP reported revenue of $132M and earnings per share (EPS) of $0.26. Net income for the quarter was $1M. Revenue grew 2.3% year-over-year compared to Q1 2025. Operating income came in at $2M.

Over the past 8 quarters, WORLD ACCEPTANCE CORP has demonstrated a growth trajectory, with revenue expanding from $130M to $547M. Investors analyzing WRLD stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

WRLD Dividend Yield and Income Analysis

WORLD ACCEPTANCE CORP (WRLD) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

WRLD Momentum and Technical Analysis Profile

WORLD ACCEPTANCE CORP (WRLD) has a momentum factor score of 40/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 30/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

WRLD vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, WORLD ACCEPTANCE CORP (WRLD) ranks #523 out of 891 stocks based on the Blank Capital composite score. This places WRLD in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing WRLD against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full WRLD vs S&P 500 (SPY) comparison to assess how WORLD ACCEPTANCE CORP stacks up against the broader market across all factor dimensions.

WRLD Next Earnings Date

No upcoming earnings date has been announced for WORLD ACCEPTANCE CORP (WRLD) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy WRLD? — Investment Thesis Summary

WORLD ACCEPTANCE CORP presents a balanced picture with arguments on both sides. The value score of 37/100 indicates premium valuation.

In summary, WORLD ACCEPTANCE CORP (WRLD) earns a Hold rating with a composite score of 38.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on WRLD stock.

Related Resources for WRLD Investors

Explore more research and tools: WRLD vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare WRLD head-to-head with peers: WRLD vs WTM, WRLD vs OPY, WRLD vs ACT.

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World Acceptance Corporation Names J. Tobin Turner Executive Vice President and Chief Operating Officer

World Acceptance Corporation (NASDAQ:WRLD) Q3 2026 Earnings Call Transcript

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World Acceptance (WRLD) Margin Squeeze And Quarterly Loss Challenge Bullish Earnings Growth Narrative

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WORLD ACCEPTANCE CORP (WRLD) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does WORLD ACCEPTANCE CORP Do?

WORLD ACCEPTANCE CORP (WRLD) Stock Rating — Hold (April 2026)

WRLD Stock Price and 52-Week Range

Is WRLD Overvalued or Undervalued? — Valuation Analysis

WORLD ACCEPTANCE CORP Profitability — ROE, Margins, and Quality Score

WRLD Debt, Balance Sheet, and Financial Health

WORLD ACCEPTANCE CORP Revenue and Earnings History — Quarterly Trend

WRLD Dividend Yield and Income Analysis

WRLD Momentum and Technical Analysis Profile

WRLD vs Competitors — Financials Sector Ranking and Peer Comparison

WRLD Next Earnings Date

Should You Buy WRLD? — Investment Thesis Summary

Related Resources for WRLD Investors

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World Acceptance Corporation Names J. Tobin Turner Executive Vice President and Chief Operating Officer

World Acceptance Corporation (NASDAQ:WRLD) Q3 2026 Earnings Call Transcript

According to SEC Filing, Thomas W. Smith Trimmed Yelp Stake as Local Services Advertising Reshapes the Business

World Acceptance (WRLD) Margin Squeeze And Quarterly Loss Challenge Bullish Earnings Growth Narrative