# World Acceptance Corporation (WRLD) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Consumer Lending. Price $165.66, market value $772 million.

## Valuation
- **P/E (trailing): 16.3×** (5-yr avg 16.9×, 3-yr avg 12.8×). World Acceptance Corporation trades at 16.3× trailing earnings, close to its own five-year average of 16.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.9×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 1.3×**. Each dollar of revenue is priced at 1.3×.
- **Price / book: 2.1×**. The shares trade at 2.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 33.9%** (5-yr avg 36.8%). Free cash flow equals 33.9% of the market value, in line with its five-year average of 36.8%. Above 5% is generally attractive.
- **Earnings yield: 6.1%**. The inverse of the P/E: 6.1% of the price is earned each year.

## Profitability
- **Net margin: 5.9%**. 5.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.9%**. 9.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 3.7%**. Each dollar of assets produces 3.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.7%** (3-yr -1.7%/yr, 5-yr 2.1%/yr). Revenue grew 3.7% over the last year, against 2.1% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -57.6%** (3-yr 24.1%/yr, 5-yr -12.3%/yr). Earnings per share fell 57.6%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -3.7%/yr**. Free cash flow has compounded at -3.7% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $6 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. World Acceptance Corporation does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (1 analyst). 1 analysts cover World Acceptance Corporation; the consensus is hold, with an average price target of $180.00 (+9% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 29.8%** (YTD 17.8%, 3-mo -12.1%). The shares are up 29.8% over twelve months including dividends.
- **From 52-week high: -27.2%** (50.6% above the low). Trading 27% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 40**. An RSI of 40 is neutral.
- **Beta (1 yr): 0.89** (volatility 46%). Beta of 0.89 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=WRLD · Page: https://foliofundamentals.com/stocks/wrld

Not investment advice.