WORLD ACCEPTANCE CORP · Personal Credit Institutions

WRLD

Low riskNext report: Around Jan 26, 2027 (est.)

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The short version

A profitable company with steady sales. Institutions are adding.

Going well

Profitable every year for 10 years
Brings in more cash than it spends
Buying back shares: share count down 15% in 3 years

Money moves

No insider buying or selling in the last 30 days
Institutions added 2.9% to their holdings in the quarter ending June 2026 (99 bought, 72 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$167.44+0.7% that day

Company value: $781M; Share price times all shares
Price vs profit (P/E): 20.1x; You pay about $20 for each $1 of yearly profit
Price vs sales: 1.3x; Company value is 1.3 times a year of sales
Cash vs value: 1%; Cash as a share of company value
Debt vs value: 87%; Debt as a share of company value

From WRLD's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$139.2M+4.8% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $591.6M, up 4.3% from the 12 months before. Over 5 years, sales grew about 2.1% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of WRLD. Starting points are the company's recent numbers.

Sales growth+4% a yearRecently: +4.3% a yearProfit margin7%Last 12 months: 6.6%P/E at the end20xToday: 20.1x. Many steady companies trade at 12x to 25xShare count change-5% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$720M

Profit in 5 years$50M

Price these guesses point to$279.27+67% vs $167.44 todayAbout +11% a year, before dividends

What today's price needs: with a 7% margin and a 20x P/E, sales could shrink about 6.1% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.8.9%
MissDebt under half of equityNot relying on borrowed money.1.93x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.5.9%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$255.5M
PassShare count not growingNot diluting owners. Falling means buybacks.-14.8% in 3 years

Revenue: $585.2M; +3.7% vs prior year
5-year growth: +2.1%/yr; revenue, per year
Total debt: $677.2M; 1.93x equity
Free cash flow: $255.5M; 43.7% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.