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Upturn AI SWOT - About
WRLD 
World Acceptance Corporation (WRLD)
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Upturn Advisory Summary
06/27/2025: WRLD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $138
1 Year Target Price $138
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.26% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 892.05M USD | Price to earnings Ratio 10.31 | 1Y Target Price 138 |
Price to earnings Ratio 10.31 | 1Y Target Price 138 | ||
Volume (30-day avg) 2 | Beta 1.36 | 52 Weeks Range 101.85 - 170.44 | Updated Date 06/30/2025 |
52 Weeks Range 101.85 - 170.44 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 16.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.89% | Operating Margin (TTM) 40.1% |
Management Effectiveness
Return on Assets (TTM) 9.37% | Return on Equity (TTM) 20.78% |
Valuation
Trailing PE 10.31 | Forward PE 9.61 | Enterprise Value 1381041792 | Price to Sales(TTM) 1.58 |
Enterprise Value 1381041792 | Price to Sales(TTM) 1.58 | ||
Enterprise Value to Revenue 2.71 | Enterprise Value to EBITDA - | Shares Outstanding 5307310 | Shares Floating 2341757 |
Shares Outstanding 5307310 | Shares Floating 2341757 | ||
Percent Insiders 11.61 | Percent Institutions 84.53 |
Analyst Ratings
Rating 2 | Target Price 138 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
World Acceptance Corporation
Company Overview
History and Background
World Acceptance Corporation was founded in 1962. It focuses on providing short-term small loans and related services to individuals with limited access to traditional credit sources.
Core Business Areas
- Small Loans: Offers short-term small loans to individuals, often secured by personal property.
- Ancillary Products and Services: Provides services such as tax preparation and insurance products related to loan agreements.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure is hierarchical, with regional managers overseeing branch operations.
Top Products and Market Share
Key Offerings
- Small Loans: Small loans are the primary product, targeting individuals with limited credit access. Market share information is difficult to pinpoint precisely due to the fragmented nature of the industry, but World Acceptance operates in a specific niche within the subprime lending market. Competitors include other small loan providers like regional lenders and payday loan companies.
- Insurance Products: Offered alongside loans, these include credit insurance. Data regarding revenue from insurance products is not readily available. Competitors in the insurance space include insurance companies targeting similar demographics.
Market Dynamics
Industry Overview
The industry involves providing financial services to consumers with limited access to traditional banking. It is characterized by high interest rates and fees, and is subject to regulatory scrutiny.
Positioning
World Acceptance Corporation positions itself as a provider of credit to underserved populations. Its competitive advantages may include its established branch network and long-standing presence in the market.
Total Addressable Market (TAM)
The TAM for subprime lending is estimated to be in the tens of billions of dollars annually. World Acceptance's position depends on the regulatory landscape and the availability of alternative credit options for its target demographic.
Upturn SWOT Analysis
Strengths
- Established branch network
- Experience in the subprime lending market
- Strong brand recognition in target markets
Weaknesses
- High interest rates leading to reputational risks
- Reliance on a specific demographic
- Regulatory scrutiny and potential for compliance issues
Opportunities
- Expansion into new markets or product offerings
- Technological advancements to improve loan processing and customer service
- Partnerships with community organizations to improve financial literacy
Threats
- Increased regulatory oversight and potential restrictions on lending practices
- Economic downturns that could impact borrowers' ability to repay loans
- Competition from alternative lending platforms and fintech companies
Competitors and Market Share
Key Competitors
- CURO
- EarningTree (EARN)
- EZCORP (EZPW)
Competitive Landscape
World Acceptance Corporation faces competition from other small loan providers and alternative lending platforms. Its advantages depend on its branch network and brand recognition, while its disadvantages stem from high interest rates and regulatory scrutiny.
Growth Trajectory and Initiatives
Historical Growth: Growth trends depend on loan volume, interest rates, and regulatory changes. Data on historical growth needs to be retrieved by scraping the financial reports.
Future Projections: Future growth projections depend on market conditions and regulatory environments. Analyst estimates would be needed for providing meaningful data.
Recent Initiatives: Recent initiatives may include branch expansion, new product offerings, or technology investments.
Summary
World Acceptance Corporation operates in the subprime lending market, serving individuals with limited access to credit. Their extensive branch network gives them an advantage, but is also exposed to reputational and regulatory risks associated with high-interest loans. The company is affected by economic downturns and competition from other lending platforms. Future growth will depend on market conditions and the company's capacity to adapt to regulatory changes and technological advancements.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Market Analysis
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About World Acceptance Corporation
Exchange NASDAQ | Headquaters Greenville, SC, United States | ||
IPO Launch date 1991-11-26 | President, CEO & Director Mr. Ravin Chad Prashad | ||
Sector Financial Services | Industry Credit Services | Full time employees 2838 | Website https://www.loansbyworld.com |
Full time employees 2838 | Website https://www.loansbyworld.com | ||
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. 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.
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