WOA Stock Chart & Stats
€166.00
-€7.00(-4.05%)
At close: 4:00 PM EDT
€166.00
-€7.00(-4.05%)
Day’s Range― - ―
52-Week Range€95.00 - €192.00
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€771.66M
Enterprise Value€1.66K
Total Cash (Recent Filing)€6.07M
Total Debt (Recent Filing)€661.19M
Price to Earnings (P/E)22.0
Beta0.60
Next Earnings
Oct 22, 2026EPS Estimate
0.69Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)7.54
Shares Outstanding4,660,413
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio-0.33
Price to Book (P/B)1.93
Price to Sales (P/S)1.16
P/FCF Ratio2.66
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)9.65
Revenue Forecast (FY)€554.88M
Bulls Say, Bears Say
Bulls Say
Consistent Cash GenerationWorld Acceptance shows durable cash-generation ability with operating and free cash flow tracking closely to reported earnings across years. Consistent cash conversion supports self-funded lending, portfolio seasoning, and the ability to absorb credit losses without relying on frequent external capital.
Improving Credit Metrics And Yield ExpansionManagement reported materially lower provisions and nearly 91bp yield expansion alongside improved charge-offs and delinquency. Sustained higher yields with disciplined provisioning can restore net interest margin and rebuild earnings power if credit trends continue to normalize over coming quarters.
Enhanced Liquidity And Lender SupportA $15M accordion to the revolver and continued lender participation strengthen funding diversity and liquidity. Stable committed bank capacity reduces refinancing risk for a branch-based lender and gives operational flexibility to grow loans or manage through adverse credit cycles.
Bears Say
Persistently High Charge-offsNet charge-offs near 18% are structurally high for a consumer finance franchise and will continue to pressure long-term net yields and capital generation. Unless charge-offs trend materially lower, the company must either maintain higher pricing or tighter underwriting, both of which constrain steady profitability.
Inconsistent Balance-sheet TrendsReported swings in equity and unusual 2026 cash flow versus revenue raise questions about trend reliability. Inconsistent leverage and ROE volatility complicate forecasting capital adequacy and the firm's ability to sustainably support loan growth without dilutive or costly financing actions.
New-customer Originations ConstrainedA sharp drop in new-customer volume from underwriting tightening limits organic loan growth and slows customer-base replenishment. Persistent constraints on originations reduce revenue scalability and make portfolio composition more dependent on refinance and repeat borrowers, which can cap long-term growth.
World Acceptance News
WOA FAQ
What was World Acceptance Corp’s price range in the past 12 months?
World Acceptance Corp lowest stock price was €95.00 and its highest was €192.00 in the past 12 months.
What is World Acceptance Corp’s market cap?
World Acceptance Corp’s market cap is €771.66M.
When is World Acceptance Corp’s upcoming earnings report date?
World Acceptance Corp’s upcoming earnings report date is Oct 22, 2026 which is in 84 days.
How were World Acceptance Corp’s earnings last quarter?
World Acceptance Corp released its earnings results on Jul 24, 2026. The company reported €1.861 earnings per share for the quarter, beating the consensus estimate of €0.509 by €1.352.
Is World Acceptance Corp overvalued?
According to Wall Street analysts World Acceptance Corp’s price is currently Overvalued.
Does World Acceptance Corp pay dividends?
World Acceptance Corp does not currently pay dividends.
What is World Acceptance Corp’s EPS estimate?
World Acceptance Corp’s EPS estimate is 0.69.
How many shares outstanding does World Acceptance Corp have?
World Acceptance Corp has 4,660,413 shares outstanding.
What happened to World Acceptance Corp’s price movement after its last earnings report?
World Acceptance Corp reported an EPS of €1.861 in its last earnings report, beating expectations of €0.509. Following the earnings report the stock price went down -3.145%.
Which hedge fund is a major shareholder of World Acceptance Corp?
Currently, no hedge funds are holding shares in DE:WOA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
World Acceptance Stock Smart Score
Neutral
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Blogger Sentiment
Bearish
DE:WOA Sentiment 100%
Sector Average 58%
Sector Average 58%
Insider Transactions
Sold Shares
Worth $1.1M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
34.10%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
5.37%
Trailing 12-Months
Company Description
World Acceptance Corp
World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.
WOA Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented several clear positives: EPS of $2.12, revenue up 4.8%, a 13.4% reduction in provision expense, a 91 basis-point yield increase, and measurable improvements in net charge-offs and front-end delinquency. Management also reported robust demand and active, conservative portfolio management. Offsetting these positives are still-elevated charge-off and delinquency levels (~18% range), a decline in bookable applications due to prior tightening, modest G&A increases, and one-time CEO transition costs. Overall, the balance of encouraging operational and credit improvements against manageable but notable challenges leads to a constructive tone.View all DE:WOA earnings summariesTechnical Analysis
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