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World Acceptance Corporation (WRLD)
NASDAQFinancialsCredit ServicesSnapshot 2026-06-15
Intact
$173.15-2.97%
Close 2026-06-15 · 1-day change
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
The bottom line
Recent financial performance is strong, but management's recent track record has been unsteady, with frequent disruptive corporate changes. Earnings quality is robust, and the company has a capital-friendly stance. Risk is elevated, and the sector backdrop is a headwind, which may impact future performance. Peer multiples imply a price about 49% below where it trades (it looks expensive on this basis); the read is rich, as it trades above peer multiples, and the longer horizon does not make that back through growth. This assessment is provisional.
as of 2026-06-15
Quick facts
- Exchange
- NASDAQ
- Sector
- Financials
- Industry
- Credit Services
- Market cap
- $828.07M
- Employees
- —
- IPO date
- 1996-08-12
- Next earnings
- 2026-07-23
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 5 valuation methods, at three horizons. Current price $173.15. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryexpensive
$116.18consensus
Range $87.92 – $141.93
vs price: +49% above
Method agreement — · 5 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearfull
$153.95consensus
Range $146.05 – $161.84
vs price: +12% above
Method agreement — · 2 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearfull
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Re-ratinglow confidence
At $173 WRLD trades at 23× p/e — 2.2× the 11× p/e peer median, and above its own 16× history. The market is re-rating it beyond its own range; our $116 fair value is low-confidence here. Not investment advice.
Multiple (P/E)
23.5x
peer 10.9x · own history 15.7x
Premium
2.2x peer
1.5x its own history
Growth the price needs
49%
our forecast —
Our fair value
$116.18
range $87.92 – $135.18
WhyPeer anchor understates a real premium
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
expensiverich12-month view
What's priced in
The market is pricing in roughly 49% of near-term growth above a flat-multiple fair value; not enough history to forecast a comparison. This describes what's priced in, not a forecast of the move.
Elevated fragilityrisk posture, not a price call
Flags: expensive valuation, a turbulent sector regime (Heating).
Historical context
For similar setups historically (n=2,301): about 43% saw a 20%+ drawdown, and roughly 77% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
strongOperating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 54% for the rest of the cohort, n=3733).
100th pctl · Financials
Earnings quality
robustOver the trailing year it converted 7.50x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
97th pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
Management & capital allocation
Earnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
NeutralEPS revised +31.8% / 30d, n=1for period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $0.44 → $0.58 (+31.8% / 30d). 0 raised, 1 cut, 1 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d. 0% of analysts rate Buy.
Material events
0 positive, 0 negative / 30d.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: Growth by revenue growth.Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Provisional
- Earnings discipline
- weak
- Post-call reaction
- weak
A guidance track record builds as the company issues and delivers on guidance.
as of 2026-06-15
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Long-term · 1–3 yr
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$168.
How much price usually moves either way.
On a bad day, this stock has moved -$488.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $3,734.
Deepest peak-to-trough drop in the last year.
elevatedas of 2026-06-15
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- DownsideHigh confidenceQuartersactive 4d
Watch for net charge-offs increasing beyond 18.7%
Why it matters: Higher net charge-offs may show worse credit quality. This can hurt profits.
What confirms / what disproves
Confirms:Net charge-offs as a part of average net loans stays below 18.7%.
Disproves:Net charge-offs as a part of average net loans goes above 18.7%.
Earnings call
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for WRLD yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like V, MA, and AXP keep beating earnings and guiding higher, the Financials sector momentum should keep lifting WRLD and other Financials names. Worth watching these names for early signals.
- If WRLD raises forward guidance on the next earnings call (currently NEW as of 2026-04-30), that's a momentum boost. Street estimates typically follow guidance up and the stock tends to re-rate higher.
Downside triggers
- If WRLD cuts guidance on the next call (currently NEW as of 2026-04-30), that's a meaningful negative. The Street tends to walk down estimates and the stock usually takes a leg lower.
- If sector bellwethers like V, MA, and AXP start missing or guiding lower, the Financials tailwind helping WRLD and other Financials names could fade. Watch these names for early warning.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on WRLD and other Financials names, since the sector usually outperforms when rates stay high.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-06-0413d agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On June 3, 2026, World Acceptance Corporation (the “Company”) and Janet L. Matricciani agreed that Ms. Matricciani’s role as Interim President and Chief Executive Officer would terminate effective June 3, 2026. The termination is not the result of any disagreement with the Company on any matter relating to the Company’s operations, policies or prac…
Executive changeneutral
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
+1.1 vs last weeklatest as of 2026-06-16
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.