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World Acceptance Corporation (WRLD)



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Upturn Advisory Summary
08/14/2025: WRLD (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $157.5
1 Year Target Price $157.5
0 | Strong Buy |
0 | Buy |
2 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.56% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 929.32M USD | Price to earnings Ratio 11.56 | 1Y Target Price 157.5 |
Price to earnings Ratio 11.56 | 1Y Target Price 157.5 | ||
Volume (30-day avg) 2 | Beta 1.34 | 52 Weeks Range 104.99 - 177.25 | Updated Date 08/15/2025 |
52 Weeks Range 104.99 - 177.25 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 14.76 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 2.57 | Actual 0.25 |
Profitability
Profit Margin 14.29% | Operating Margin (TTM) 8.74% |
Management Effectiveness
Return on Assets (TTM) 8.66% | Return on Equity (TTM) 19.08% |
Valuation
Trailing PE 11.56 | Forward PE 9.61 | Enterprise Value 1428010368 | Price to Sales(TTM) 1.64 |
Enterprise Value 1428010368 | Price to Sales(TTM) 1.64 | ||
Enterprise Value to Revenue 2.81 | Enterprise Value to EBITDA - | Shares Outstanding 5445790 | Shares Floating 2409236 |
Shares Outstanding 5445790 | Shares Floating 2409236 | ||
Percent Insiders 18.83 | Percent Institutions 81.08 |
Upturn AI SWOT
World Acceptance Corporation

Company Overview
History and Background
World Acceptance Corporation was founded in 1962. It has grown from a small lending operation to a major provider of small loans and other financial products to individuals with limited access to traditional credit sources. Over time, it has expanded its branch network and adapted its services to meet evolving consumer needs.
Core Business Areas
- Small Loans: World Acceptance Corporation's primary business involves providing small installment loans, typically ranging from $300 to $4,000, to individuals with limited access to credit. These loans are often used for essential expenses, emergencies, or consolidating debt.
- Tax Preparation Services: World Acceptance also offers tax preparation services to its customers, aiding them in filing their income tax returns.
- Insurance Products: The company also provides credit insurance and other related products through third-party providers.
Leadership and Structure
The company is led by a Board of Directors and a management team. The CEO is Chad Prashad. The organizational structure includes regional managers overseeing branch operations, as well as departments for finance, compliance, marketing, and human resources.
Top Products and Market Share
Key Offerings
- Small Installment Loans: World Acceptance's main product is small installment loans targeting subprime borrowers. Market share data is fragmented and difficult to pinpoint precisely, but the company competes with other lenders and payday loan providers in this space. Competitors include companies like regional consumer finance firms, payday lenders like Advance America and Check 'n Go, and online lenders.
- Tax Preparation Services: Tax preparation is offered as a service to customers. Revenue data specifically tied to tax preparation isn't publicly detailed. Competitors include H&R Block, Liberty Tax, and online tax preparation software like TurboTax.
- Insurance Products: Insurance Products are offered as a service to customers through third-party providers.
Market Dynamics
Industry Overview
The consumer finance industry is highly competitive and regulated, with a focus on providing loans to individuals with limited access to traditional credit. The industry is affected by economic conditions, interest rates, and regulatory changes.
Positioning
World Acceptance Corporation positions itself as a provider of credit to underserved populations, focusing on customers who may not qualify for traditional bank loans. Its competitive advantages include its established branch network and its understanding of the subprime lending market.
Total Addressable Market (TAM)
The TAM for subprime lending in the US is substantial, estimated to be in the tens of billions of dollars annually. World Acceptance is positioned to capture a share of this market, but faces competition and regulatory challenges.
Upturn SWOT Analysis
Strengths
- Established branch network
- Experience in subprime lending
- Brand recognition within its target market
- Customer Relationships
Weaknesses
- High interest rates
- Regulatory scrutiny
- Customer Dependance
- Reputational risks due to lending practices
Opportunities
- Expansion into new geographic markets
- Development of new financial products
- Leveraging technology to improve efficiency
- Partnerships with other financial institutions
Threats
- Increased competition from online lenders
- Changes in regulations
- Economic downturns
- Negative press and reputational damage
Competitors and Market Share
Key Competitors
- CURO Group Holdings Corp. (CURO)
- Enova International, Inc. (ENVA)
- EZCORP, Inc. (EZPW)
Competitive Landscape
World Acceptance competes with a range of companies, including regional and national consumer finance firms, online lenders, and payday loan providers. Its advantages lie in its established branch network and its understanding of its target market. Disadvantages include the high interest rates and regulatory risks.
Growth Trajectory and Initiatives
Historical Growth: World Acceptance has shown moderate revenue growth, while profitability is less stable. The company has faced various regulatory challenges.
Future Projections: Analyst estimates suggest continued revenue growth but also continued challenges in improving net income and profit margins.
Recent Initiatives: Recent initiatives often involve efforts to improve compliance, streamline operations, and enhance customer service.
Summary
World Acceptance Corporation is a company that provides small loans to individuals with limited access to traditional credit sources. While it has experienced revenue growth, profitability has been volatile. Increased competition from online lenders and heightened regulatory scrutiny pose challenges. The company needs to look out for interest rates and increased regulation, as well as finding ways to improve their profits.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (e.g., 10-K, 10-Q)
- Company Website
- Analyst Reports (where available)
- Market Research Reports
- Google Finance
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
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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