World Acceptance Corporation (WRLD) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
World Acceptance Corporation stock (WRLD) is currently trading at $135.52. World Acceptance Corporation PE ratio is 17.44. World Acceptance Corporation PS ratio (Price-to-Sales) is 1.19. Analyst consensus price target for WRLD is $120.00. WallStSmart rates WRLD as Underperform.
- WRLD PE ratio analysis and historical PE chart
- WRLD PS ratio (Price-to-Sales) history and trend
- WRLD intrinsic value — DCF, Graham Number, EPV models
- WRLD stock price prediction 2025 2026 2027 2028 2029 2030
- WRLD fair value vs current price
- WRLD insider transactions and insider buying
- Is WRLD undervalued or overvalued?
- World Acceptance Corporation financial analysis — revenue, earnings, cash flow
- WRLD Piotroski F-Score and Altman Z-Score
- WRLD analyst price target and Smart Rating
World Acceptance Corporation
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WRLD Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · World Acceptance Corporation (WRLD)
WRLD trades 141% above its Graham fair value of $52.84, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
World Acceptance Corporation (WRLD) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around operating margin and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
World Acceptance Corporation (WRLD) Key Strengths (4)
Growing significantly faster than its price suggests
86.32% of shares held by major funds and institutions
Paying $1.19 for every $1 of annual revenue
Trading at 1.84x book value, attractively priced
Supporting Valuation Data
World Acceptance Corporation (WRLD) Areas to Watch (6)
Earnings declining -86.00%, profits shrinking
Very thin margins with limited operational efficiency
Revenue growing slowly at 1.90% annually
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Supporting Valuation Data
World Acceptance Corporation (WRLD) Detailed Analysis Report
Overall Assessment
This company scores 54/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Institutional Own., Price/Sales. Valuation metrics including PEG Ratio (0.70), Price/Sales (1.19), Price/Book (1.84) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Operating Margin, Revenue Growth. Growth concerns include Revenue Growth at 1.90%, EPS Growth at -86.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.00%, Operating Margin at 8.33%, Profit Margin at 7.46%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 1.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Institutional Own.) and negatives (EPS Growth, Operating Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WRLD Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
WRLD's Price-to-Sales ratio of 1.19x sits near its historical average of 1.2x (43th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 7% below its historical high of 1.28x set in Mar 2026, and 4% above its historical low of 1.15x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for World Acceptance Corporation (WRLD) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
World Acceptance Corporation operates as a stable business with moderate growth and solid fundamentals. Revenue reached 573M with 2% growth year-over-year. Profit margins are thin at 7.5%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 57M in free cash flow and 58M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 2.35 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Margin expansion: can World Acceptance Corporation push profit margins above 15% as the business scales?
Debt management: total debt of 827M is significantly higher than cash (9M). Monitor refinancing risk.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact World Acceptance Corporation.
Bottom Line
World Acceptance Corporation offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About World Acceptance Corporation(WRLD)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.