Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
WRLD logo WRLD
Upturn stock ratingUpturn stock rating
WRLD logo

World Acceptance Corporation (WRLD)

Upturn stock ratingUpturn stock rating
$170.65
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/14/2025: WRLD (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

2 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $157.5

1 Year Target Price $157.5

Analysts Price Target For last 52 week
$157.5 Target price
52w Low $104.99
Current$170.65
52w High $177.25

Analysis of Past Performance

Type Stock
Historic Profit 1.56%
Avg. Invested days 38
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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

ai summary icon Upturn AI SWOT

World Acceptance Corporation

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 2838

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.