World Acceptance AI Stock Analysis
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World Acceptance (WRLD) AI Stock Analysis
World Acceptance
(NASDAQ:WRLD)
The overall score of 63 reflects a company with strong fundamentals and positive corporate developments that is currently facing significant market skepticism. The most impactful factors are the company's robust cash flow generation and improving profitability, which are countered by a very weak technical picture showing the stock in a downtrend with strong negative momentum. Positive corporate events, such as a new CEO and a share buyback program, and a low P/E ratio provide additional support, but the market's current bearish posture heavily weights the score.
World Acceptance (WRLD) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $604.61M
- Dividend Yield
- ―
- Average Volume (3M)
- 62.95K
- Price to Earnings (P/E)
- 12.4
- Beta (1Y)
- 1.04
- Revenue Growth
- 4.63%
- EPS Growth
- 3.80%
- Country
- US
- Employees
- 2,907
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
World Acceptance Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
World Acceptance primarily makes money by earning finance charges and interest income on its portfolio of consumer installment loans. Revenue is generated as borrowers repay principal plus contractual interest/fees over the life of each loan; the com...
World Acceptance Earnings Call Summary
The call was predominantly positive, with improved adjusted earnings, revenue growth, lower provision expense, better delinquency trends, improved G&A expense, and confidence in the competitive position. The main challenges were continued consumer sensitivity to gas prices, a cautious near-term growth posture, and the credit card product remaining under evaluation before potential scaling.
Q2-2027 Updates
Positive Updates
Negative Updates
Company Guidance
For the remainder of fiscal 2027, management said it is “well positioned,” will “maintain disciplined approach to expenses going forward,” and will continue “a cautious approach to lending”; lending is “a little looser than we were, say, in the March quarter,” but “still a lot tighter than we were at this point last year,” with the company potentially using “some of those levers to increase growth a little,” while not expecting “any dramatic change in our growth trajectory in the near term.” Management also said the credit card pilot is “probably at least a quarter or 2 away from trying to make a decision on how to scale that,” following adjusted earnings per share of $1.92, a 3.2% increase in revenue, a 7.7% decrease in provision expense, and front-end delinquency decreasing from 20% to 18.9%.
World Acceptance Financial Statement Overview
Summary
Financial performance is strong, driven by an exceptional Cash Flow Score of 95 and a solid Income Statement Score of 78, indicating powerful cash generation and a sharp recovery in revenue and earnings. The Balance Sheet Score of 55 tempers the overall view due to high debt levels, though the deleveraging trend is positive.
Income Statement
78PositiveBalance Sheet
55NeutralCash Flow
95Very Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 596.66M | 585.17M | 564.84M | 573.21M | 616.55M | 585.19M |
| Gross Profit | 381.77M | 347.12M | 395.63M | 368.01M | 306.62M | 365.55M |
| EBITDA | 83.54M | 54.23M | 164.97M | 110.30M | 38.06M | 77.25M |
| Net Income | 50.05M | 34.59M | 89.74M | 77.35M | 21.23M | 53.92M |
Balance Sheet | ||||||
| Total Assets | 1.08B | 1.05B | 1.01B | 1.06B | 1.12B | 1.22B |
| Cash, Cash Equivalents and Short-Term Investments | 8.31M | 6.07M | 4.71M | 11.84M | 16.51M | 19.24M |
| Total Debt | 670.17M | 661.19M | 525.56M | 577.95M | 679.00M | 779.85M |
| Total Liabilities | 735.05M | 703.12M | 571.50M | 631.92M | 732.09M | 845.27M |
| Stockholders Equity | 348.84M | 351.01M | 436.99M | 424.43M | 385.23M | 373.02M |
Cash Flow | ||||||
| Free Cash Flow | 127.98B | 255.48M | 250.48M | 259.85M | 285.73M | 266.38M |
| Operating Cash Flow | 130.59B | 259.36M | 254.16M | 265.78M | 291.55M | 272.45M |
| Investing Cash Flow | -195.73M | -232.88M | -152.75M | -135.14M | -180.58M | -451.89M |
| Financing Cash Flow | -74.86M | -6.83M | -103.52M | -135.31M | -113.70M | 182.93M |
World Acceptance Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WRLD, the sentiment is Negative. The current price of 136.30 is below the 20-day moving average (MA) of 160.67, below the 50-day MA of 171.76, and below the 200-day MA of 164.21, indicating a bearish trend. The MACD of -9.12 indicates Positive momentum. The RSI at 19.53 is Positive, neither overbought nor oversold. The STOCH value of 6.17 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WRLD.
World Acceptance Risk Analysis
World Acceptance disclosed 47 risk factors in its most recent earnings report. World Acceptance reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksWorld Acceptance Peers Comparison
Overall Rating
OPRT79Outperform
OPFI76Outperform
OMF67Neutral
ENVA66Neutral- WRLD63Neutral
RM58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPRT | 79Outperform | $543.74M | 15.80 | 9.15% | ― | -0.40% | 13.72% |
| OPFI | 76Outperform | $506.68M | 2.58 | 38.14% | ― | 5.58% | ― |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| OMF | 67Neutral | $6.34B | 8.28 | 22.64% | 7.72% | 6.46% | 11.49% |
| ENVA | 66Neutral | $4.19B | 10.90 | 26.36% | ― | 20.08% | 33.74% |
| WRLD | 63Neutral | $617.91M | 12.39 | 14.16% | ― | 4.63% | 3.80% |
| RM | 58Neutral | $315.75M | 6.69 | 12.61% | 3.45% | 8.41% | 20.27% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| WRLD | World Acceptance | 136.30 | -1.43 | -1.04% | |
| RM | Regional Managment | 34.74 | -1.55 | -4.28% | |
| OMF | OneMain Holdings, Inc. | 54.38 | -0.64 | -1.16% | |
| ENVA | Enova International Inc. | 167.01 | 41.32 | 32.87% | |
| OPRT | Oportun Financial Corp. | 11.76 | 6.94 | 143.98% | |
| OPFI | Oppfi Inc | 5.91 | -3.92 | -39.88% |
World Acceptance Corporate Events
World Acceptance Returns To Profit With Strong Q2 Results
PositiveOn Oct. 23, 2026, World Acceptance reported that for its second fiscal quarter ended Sept. 30, 2026, it swung to net income of $8.8 million, or $1.92 per diluted share, from a net loss of $1.7 million a year earlier, as total revenues rose 3.2% to $1...
World Acceptance appoints John Calmes as new CEO
PositiveOn September 17, 2026, World Acceptance Corporation’s board appointed long-time executive John L. Calmes Jr. as president and chief executive officer, with the appointment becoming effective September 21, 2026. Calmes, previously executive vice presi...
World Acceptance shareholders approve directors and key proposals
PositiveAt its Annual Meeting of Shareholders held on August 19, 2026, World Acceptance Corporation reported that 4,057,996 of 4,660,413 outstanding shares were represented, establishing a quorum for the session. Shareholders voted on director elections, exe...
World Acceptance Announces $50 Million Share Repurchase Program
PositiveOn August 13, 2026, World Acceptance Corporation’s board approved a new share repurchase program authorizing the company to buy back up to $50 million of its outstanding common stock, inclusive of remaining amounts under prior authorizations. The pac...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 10, 2026