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World Acceptance Corporation (WRLD)

Financial Services | Credit Services | Greenville, United States | NasdaqGS
196.29 USD -3.49 (-1.747%) ⇩ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★★☆Long-term:★★★☆☆Dividends:☆☆☆☆☆
Hot Take | July 11, 2026, 2:46 a.m. EDT

The immediate outlook is driven by a powerful technical breakout. Over the last two weeks, the stock surged from roughly $181 to nearly $224, trading significantly above both its 50-day and 200-day moving averages, which suggests strong institutional accumulation and high-conviction momentum. This price action aligns with the company's reported strong customer growth and the perception of deep value relative to its fair value signals. However, this aggressive short-term move comes with significant caveats. The business faces a precarious balance sheet with debt-to-equity exceeding 188 and negative quarterly earnings growth, meaning the current rally is priced on future recovery rather than current profitability. Furthermore, there is no dividend support whatsoever, making this purely a capital appreciation play. While the statistical forecasting models are currently unreliable due to low confidence scores, the fundamental narrative of a turnaround story combined with the visible price strength warrants a bullish stance for the near term, provided the broader market remains supportive of distressed financials.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.081918
MSTL0.102802
AutoARIMA0.103476
AutoETS0.103477

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 29%
H-stat 17.42
Ljung-Box p 0.000
Jarque-Bera p 0.004
Excess Kurtosis 0.84
Attribute Value
Sector Financial Services
Debt to Equity Ratio 188.371
Revenue per Share 118.347
Market Cap 910,848,960
Trailing P/E 29.04
Forward P/E 13.90
Beta 1.14
Profit Margins 5.91%
Website https://www.loansbyworld.com

Info Dump

Attribute Value
52 Week Change 0.17221141
Address1 104 S. Main St.
All Time High 265.75
All Time Low 2.166667
Ask 249.52
Ask Size 2
Audit Risk 5
Average Analyst Rating 3.0 - Hold
Average Daily Volume10 Day 131,440
Average Daily Volume3 Month 148,504
Average Volume 148,504
Average Volume10Days 131,440
Beta 1.136
Bid 142.73
Bid Size 2
Board Risk 3
Book Value 73.903
City Greenville
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 196.29
Current Ratio 14.61
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 201.29
Day Low 193.39
Debt To Equity 188.371
Display Name World Acceptance
Earnings Call Timestamp End 1,777,557,600
Earnings Call Timestamp Start 1,777,557,600
Earnings Growth -0.054
Earnings Quarterly Growth -0.175
Earnings Timestamp 1,777,552,200
Earnings Timestamp End 1,784,809,800
Earnings Timestamp Start 1,784,809,800
Ebitda 103,295,256
Ebitda Margins 0.17663999
Enterprise To Ebitda 14.832
Enterprise To Revenue 2.62
Enterprise Value 1,532,111,360
Eps Current Year 10.99
Eps Forward 14.12
Eps Trailing Twelve Months 6.76
Esg Populated 0
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 172.552
Fifty Day Average Change 23.737991
Fifty Day Average Change Percent 0.13757007
Fifty Two Week Change Percent 17.221142
Fifty Two Week High 227.68
Fifty Two Week High Change -31.39
Fifty Two Week High Change Percent -0.13786894
Fifty Two Week Low 110.0
Fifty Two Week Low Change 86.28999
Fifty Two Week Low Change Percent 0.78445446
Fifty Two Week Range 110.0 - 227.68
Financial Currency USD
First Trade Date Milliseconds 691,165,800,000
Float Shares 2,111,538
Forward Eps 14.12
Forward P E 13.901558
Free Cashflow 14,777,448
Full Exchange Name NasdaqGS
Full Time Employees 2,907
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.67749
Gross Profits 396,187,392
Has Pre Post Market Data 1
Held Percent Insiders 0.20523001
Held Percent Institutions 0.92399
Implied Shares Outstanding 4,640,323
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 1
Language en-US
Last Fiscal Year End 1,774,915,200
Last Split Date 809,913,600
Last Split Factor 3:1
Long Business Summary World Acceptance Corporation engages in consumer finance business in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides income tax return preparation and electronic filing services; and automobile club memberships to borrowers. The company serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.
Long Name World Acceptance Corporation
Market us_market
Market Cap 910,848,960
Market State PRE
Max Age 86,400
Message Board Id finmb_36697
Most Recent Quarter 1,774,915,200
Net Income To Common 34,586,024
Next Fiscal Year End 1,806,451,200
Non Diluted Market Cap 926,069,261
Number Of Analyst Opinions 1
Open 199.1
Operating Cashflow 259,358,896
Operating Margins 0.33011
Overall Risk 5
Payout Ratio 0.0
Peg Ratio 0.7
Phone 864 298 9800
Previous Close 199.78
Price Eps Current Year 17.860783
Price Hint 2
Price To Book 2.656049
Price To Sales Trailing12 Months 1.5575665
Profit Margins 0.05914
Quick Ratio 14.22
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 3.0
Region US
Regular Market Change -3.49001
Regular Market Change Percent -1.74692
Regular Market Day High 201.29
Regular Market Day Low 193.39
Regular Market Day Range 193.39 - 201.29
Regular Market Open 199.1
Regular Market Previous Close 199.78
Regular Market Price 196.29
Regular Market Time 1,783,972,800
Regular Market Volume 90,024
Return On Assets 0.057150003
Return On Equity 0.08778
Revenue Growth 0.073
Revenue Per Share 118.347
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 6
Shares Outstanding 4,640,323
Shares Percent Shares Out 0.124
Shares Short 575,387
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 527,299
Short Name World Acceptance Corporation
Short Percent Of Float 3.0493
Short Ratio 4.59
Source Interval 15
State SC
Symbol WRLD
Target High Price 185.0
Target Low Price 185.0
Target Mean Price 185.0
Target Median Price 185.0
Total Cash 6,071,077
Total Cash Per Share 1.359
Total Debt 661,193,536
Total Revenue 584,789,760
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 6.76
Trailing P E 29.03698
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 151.31825
Two Hundred Day Average Change 44.97174
Two Hundred Day Average Change Percent 0.2971997
Type Disp Equity
Volume 90,024
Website https://www.loansbyworld.com
Zip 29,601