World Acceptance Corporation (WRLD) Stock Price & Analysis
World Acceptance Corporation (WRLD) closed at USD 169.66 on Thursday, October 22, 2026, up 1.69% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 166.84; the Oct 22, 2026 session ranged USD 167–171.94 on volume of 93,929 shares. Market capitalization is $790.66M, with a 52-week range of USD 110–227.68 (NMS). Source: Nexqual, retrieved October 23, 2026 at 12:51 UTC.
Also available as compact Markdown for AI agents: nexqual.com/WRLD.md
Key facts (WRLD)
- Last four reported quarters (through Jun 30, 2026): revenue $592M, net income $39.1M (6.6% margin) (SEC filings).
- Valuation: P/E 20.2x (avg 12.8x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 12 Form 4 filings, $27.2M; 6 not under a Rule 10b5-1 plan ($26.3M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Hold (mean 3.00 on a 1–5 scale) (1 analysts), mean target USD 180 (range 180–180).
- Total return with dividends: 1Y +9.5% vs S&P 500 +14.9%; 5Y -17.2% vs S&P 500 +80.3%.
- Next earnings: 2026-10-23, EPS estimate USD 0.78, revenue estimate $141M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (WRLD)
| USD | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $585M | $617M | $573M | $564M | $585M | $592M |
| Net income | $53.9M | $21.2M | $77.0M | $89.2M | $34.6M | $39.1M |
| EPS (diluted) | $8.47 | $3.60 | $13.14 | $16.21 | $6.88 | — |
| Free cash flow | $266M | $286M | $260M | $250M | $255M | $261M |
| Net margin | 9.2% | 3.4% | 13.5% | 15.8% | 5.9% | 6.6% |
| Revenue growth | +10.8% | +5.4% | -7.1% | -1.5% | +3.7% | — |
| Cash + short-term investments | $19.2M | $16.5M | $5.2M | $4.7M | $6.1M | — |
| Total debt | $697M | $599M | $498M | $448M | $587M | — |
Fiscal years end Mar. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (WRLD)
P/E 20.2x · P/S 1.3x · P/FCF 3.0x · P/B 2.2x · FCF yield 33.07% · Earnings yield 4.95% · Buyback yield (TTM) 15.38%
P/E at fiscal year-ends: Mar 2026 19.6x, Mar 2025 7.8x, Mar 2024 11.0x.
Insider sales (SEC Form 4, open-market, last ~7 months) (WRLD)
6 of 12 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-14 | Prescott General Partners Llc | 133,199 | $25.0M | 6.4% | No | Too little history (no open-market trades in 2023 or 2024) | |
| 2026-08-12 | Childers Jason E. | SVP, Information Technology | 2,000 | $381K | 13.5% | No | Too little history (no open-market trades in 2024) |
| 2026-08-10 | Robinson Benjamin E Iii | Director | 90 | $17K | 1.9% | Yes | Too little history (no open-market trades in 2023–2025) |
| 2026-08-03 | McIntyre Scott | SVP, Accounting | 1,300 | $241K | 8.1% | No | Too little history (no open-market trades in 2024) |
| 2026-07-30 | Calmes John L Jr | See remarks | 2,000 | $372K | 4% | No | Too little history (no open-market trades in 2024) |
| 2026-06-30 | Way Charles D | Director | 833 | $187K | 6.1% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-29 | Robinson Benjamin E Iii | Director | 2,031 | $452K | 29.6% | Yes | Too little history (no open-market trades in 2023–2025) |
| 2026-06-26 | Way Charles D | Director | 833 | $175K | 5.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-15 | Caulder Alice Lindsay | SVP, Human Resources | 609 | $110K | 4% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-12 | Umstetter Luke J. | See remarks | 1,000 | $182K | 3.4% | No | Too little history (no open-market trades in 2023) |
| 2026-05-22 | Robinson Benjamin E Iii | Director | 90 | $14K | 1.8% | Yes | Too little history (no open-market trades in 2023–2025) |
| 2026-04-30 | Robinson Benjamin E Iii | Director | 180 | $29K | 3.5% | Yes | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (WRLD)
Consensus Hold (mean 3.00 on a 1–5 scale), 1 analysts; mean target USD 180 (low 180, high 180).
Total return (dividends reinvested) (WRLD)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +9.5% | -17.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +9.5% | -3.7% |
| Volatility (annualized) | 48.0% | 52.7% |
| Max drawdown | -27.4% (Dec 2025→Jan 2026) | -75.6% (Dec 2021→Dec 2022) |
WRLD suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | At World Acceptance | “At World Acceptance Corporation, our employees create possibilities by embracing our mission to partner with customers to unlock their financial good.” |
Quoted from the company's 10-K filed Jun 4, 2026.
WRLD analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.78 | $0.35 | +122.9% | $140.7M | 1 |
| Next quarter (ends Dec 2026) | $0.97 | $1.00 | -3.0% | $149.7M | 1 |
| Current fiscal year (ends Mar 2027) | $13.18 | $10.99 | +19.9% | $613.1M | 1 |
| Next fiscal year (ends Mar 2028) | $15.14 | $14.12 | +7.2% | $654.9M | 1 |
Key Statistics (as of October 23, 2026 at 12:51 UTC)
| Price | USD 169.66 |
|---|---|
| Change | ▲ 1.69% (up) |
| Previous Close | USD 166.84 |
| Open | USD 167.54 |
| Day Range | USD 167 – 171.94 |
| 52-Week Range | USD 110 – 227.68 |
| Volume | 93,929 shares |
| Market Cap | $790.66M |
| Exchange | NMS |
Technical Analysis (WRLD)
Nexqual's technical model rates WRLD "STRONG SELL" based on 0 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 12:51 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 37.24 (neutral) |
| vs SMA50 | Below (USD 180.88) |
| MACD | -3.27 (negative) |
Analyst Ratings (WRLD)
Wall Street analysts rate WRLD "Hold" based on 1 analysts, with a mean price target of USD 180 (range USD 180–180), per Nexqual as of October 23, 2026 at 12:51 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 1 |
| Mean Target | USD 180 |
| High Target | USD 180 |
| Low Target | USD 180 |
| Buy / Hold / Sell | 0 / 1 / 0 |
Earnings (WRLD)
| Next Earnings Date | 2026-10-23 |
|---|---|
| EPS Estimate | USD 0.78 |
| Revenue Estimate | $140.70M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.33 vs est 0.58 ▲ beat |
| 2026-03-31 | USD 7.7 vs est 7.74 ▼ miss |
| 2025-12-31 | USD -0.19 vs est 0.93 ▼ miss |
| 2025-09-30 | USD -0.38 vs est 1.11 ▼ miss |
Source: Nexqual, October 23, 2026 at 12:51 UTC.
Financials & Fundamentals (WRLD)
| Total Revenue | $591.22M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +4.80% |
| Gross Margin | +69.24% |
| Operating Margin | +15.32% |
| Profit Margin | +6.61% |
| ROE | +9.90% |
| Debt / Equity | 1.79 |
| Current Ratio | 10.38 |
| Total Cash | $10.42M |
| Total Debt | $648.07M |
Source: Nexqual, October 23, 2026 at 12:51 UTC.
Financial Health Score (WRLD)
Nexqual rates World Acceptance Corporation's overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 12:51 UTC.
| Growth | Mixed — Revenue +3.7% YoY (annual), slow |
|---|---|
| Profitability | Mixed — Net margin 6% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Personal Credit Institutions) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Personal Credit Institutions) |
| Efficiency | Mixed — ROE 10%, ROA 6.2% |
Ownership (WRLD)
| Insider Ownership | +18.11% |
|---|---|
| Institutional Ownership | +92.26% |
| Shares Outstanding | 4.66M |
| Float | 2.32M |
| Short % of Float | +103.81% |
Source: Nexqual, October 23, 2026 at 12:51 UTC.
Leadership (WRLD)
World Acceptance Corporation is led by John L. Calmes, President, CEO & Principal Executive Officer, per Nexqual as of October 23, 2026 at 12:51 UTC.
| President, CEO & Principal Executive Officer | John L. Calmes |
|---|---|
| Executive VP & COO | J. Tobin Turner |
| Senior Vice President of Marketing | Victoria G. Hammond |
| Senior Vice President of Human Resources | Alice Lindsay Caulder |
| Senior Vice President of Operations | Jeff L. Tinney |
Major Backers & Investors (WRLD)
Notable institutional backers of World Acceptance Corporation include Prescott General Partners LLC, AQR Capital Management, LLC, Jacobs Levy Equity Management, Inc., according to Nexqual as of October 23, 2026 at 12:51 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Prescott General Partners LLC | 32.45% |
| AQR Capital Management, LLC | 4.32% |
| Jacobs Levy Equity Management, Inc. | 2.43% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Portfolio | 2.19% |
| JPMorgan | 2.09% |
| BNP Paribas Financial Markets | 2.06% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 9.6% |
| Dimensional Fund Advisors | 4.78% |
| Vanguard Group | 2.39% |
| State Street | 2.28% |
Source: Nexqual, October 23, 2026 at 12:51 UTC.
Legal & Regulatory Risks from World Acceptance Corporation's Latest 10-K (filed 2026-06-04)
- Adverse federal legislative or regulatory changes, or noncompliance with existing or future laws, could result in enforcement actions or require the Company to modify, suspend, or cease part or all of its operations.
- The Company is no longer under the supervisory authority of the CFPB. However, regulations issued by the CFPB or investigations by the CFPB could adversely impact earnings due to, among other things, increased compliance costs or costs due to noncompliance.
- Litigation or regulatory actions—including challenges to arbitration provisions in customer agreements—may result in class actions, fines, penalties, or judgments that increase expenses and materially impact the Company's business, financial condition, and operating results.
- Unfavorable state legislation, executive orders, regulatory actions, or adverse legal outcomes may require the Company to cease, suspend, or modify operations in affected states, potentially resulting in material impacts to business, financial condition, and operating results.
Source: SEC EDGAR 10-K, Item 1A, official filing.
Peers & Related Stocks
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|---|---|---|---|
| NAVI | Navient Corporation | USD 8.86 | ▼ 1.88% |
| PRAA | PRA Group, Inc. | USD 19.96 | ▼ 2.87% |
| LU | Lufax Holding Ltd | USD 0.84 | ▼ 89.91% |
| FINV | FinVolution Group | USD 3.06 | ▲ 2% |
| GDOT | Green Dot Corporation | USD 12.39 | ▲ 1.56% |
| QFIN | Qfin Holdings, Inc. | USD 5.47 | ▲ 0.37% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 12:51 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt