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World Acceptance Corporation (WRLD)

Financial Services | Credit Services | Greenville, United States | NasdaqGS
195.87 USD -0.42 (-0.214%) ⇩ (July 14, 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 908,900,032
Trailing P/E 28.47
Forward P/E 13.87
Beta 1.14
Profit Margins 5.91%
Website https://www.loansbyworld.com

Info Dump

Attribute Value
52 Week Change 0.20549035
Address1 104 S. Main St.
All Time High 265.75
All Time Low 2.166667
Ask 248.83
Ask Size 2
Audit Risk 5
Average Analyst Rating 3.0 - Hold
Average Daily Volume10 Day 123,940
Average Daily Volume3 Month 148,272
Average Volume 148,272
Average Volume10Days 123,940
Beta 1.136
Bid 140.72
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 195.87
Current Ratio 14.61
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 200.512
Day Low 194.66
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 14.814
Enterprise To Revenue 2.617
Enterprise Value 1,530,234,880
Eps Current Year 10.99
Eps Forward 14.12
Eps Trailing Twelve Months 6.88
Esg Populated 0
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 173.4128
Fifty Day Average Change 22.4572
Fifty Day Average Change Percent 0.1295014
Fifty Two Week Change Percent 20.549034
Fifty Two Week High 227.68
Fifty Two Week High Change -31.809998
Fifty Two Week High Change Percent -0.13971363
Fifty Two Week Low 110.0
Fifty Two Week Low Change 85.869995
Fifty Two Week Low Change Percent 0.7806363
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 13.871813
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 0.92537004
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 908,900,032
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 909,317,695
Number Of Analyst Opinions 1
Open 196.47
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 196.29
Price Eps Current Year 17.822565
Price Hint 2
Price To Book 2.650366
Price To Sales Trailing12 Months 1.5542338
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 -0.41999817
Regular Market Change Percent -0.21396819
Regular Market Day High 200.512
Regular Market Day Low 194.66
Regular Market Day Range 194.66 - 200.512
Regular Market Open 196.47
Regular Market Previous Close 196.29
Regular Market Price 195.87
Regular Market Time 1,784,059,201
Regular Market Volume 72,295
Return On Assets 0.057150003
Return On Equity 0.08778
Revenue Growth 0.073
Revenue Per Share 118.347
Sand P52 Week Change 0.20365608
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 6.88
Trailing P E 28.469475
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 151.42265
Two Hundred Day Average Change 44.447342
Two Hundred Day Average Change Percent 0.29353166
Type Disp Equity
Volume 72,295
Website https://www.loansbyworld.com
Zip 29,601