Price
No data yet.
Social Signal Score
Analyst Ratings
10 analystsRevenue
$139.21M+7.69%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- John Calmes
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 2,907
- Beta
- 1.14
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 1.43
Financials
Revenue
$139.21M+7.7%Net Income
$6.11M-60.6%EBITDA
$10.11M-61.5%Free Cash Flow
$61.91M+36.9%EPS (diluted)
$1.33-24.4%Shares Outstanding (diluted)
4.58M-48.0%Operating Expenses
$63.32MCash & Debt
$10.42MReturn of Capital
$2.17MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2026 | $585.17M | $34.59M | $6.97 |
| 2025 | $564.84M | $89.74M | $16.54 |
| 2024 | $573.21M | $77.35M | $13.45 |
| 2023 | $616.55M | $21.23M | $3.69 |
| 2022 | $585.19M | $53.92M | $8.88 |
| 2021 | $527.99M | $88.28M | $13.23 |
| 2020 | $590.03M | $28.16M | $3.66 |
| 2019 | $544.54M | $37.24M | $4.01 |
| 2018 | $502.67M | $53.69M | $6.11 |
| 2017 | $490.82M | $73.60M | $8.45 |
| 2016 | $557.48M | $87.40M | $10.12 |
| 2015 | $610.21M | $110.83M | $12.12 |
| 2014 | $599.26M | $106.61M | $10.39 |
| 2013 | $563.64M | $104.09M | $8.55 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from WRLD's reported EPS growth of -1.6% a year over 13 years.
- EPS in 5 years
- $6.35
- Implied price
- $120.62
- Return from $174.44
- -7.1% a year
To earn 15.0% a year on these assumptions you'd need to buy at $59.97 — -65.6% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 13 | 16 | 19 | 22 | 25 |
|---|---|---|---|---|---|
| -11.6% | -22.7% | -19.4% | -16.6% | -14.1% | -11.8% |
| -6.6% | -18.3% | -14.8% | -11.8% | -9.2% | -6.9% |
| -1.6% | -13.9% | -10.3% | -7.1% | -4.3% | -1.9% |
| 3.4% | -9.5% | -5.7% | -2.4% | 0.5% | 3.1% |
| 8.4% | -5.2% | -1.1% | 2.3% | 5.4% | 8.1% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100-6.25%Social Signal Score
Mentions (3)
- Newsglobenewswire.com·3d ago·Neutral
World Acceptance Corporation Data Breach Investigation: Edelson Lechtzin LLP Probes Class Action Claims After Customer Data Is Exposed Edelson Lechtzin LLP, a national class action law firm, is investigating data privacy claims arising from a reported data breach at World Acceptance Corp
View source ↗ - Newsbusinesswire.com·15d ago·Positive
World Acceptance Corporation Names John L. Calmes Jr. President and Chief Executive Officer GREENVILLE, S.C.--(BUSINESS WIRE)---- $WRLD--World Acceptance Corporation (NASDAQ: WRLD) ("World Acceptance" or "the Company") today announced that its Board of Directors has appointed John L. Calmes Jr. as President and Chief Executive Officer, effective September 21, 2026. Mr. Calmes most recently served as the Company's Executive Vice President, Chief Financial and Strategy Officer, and Treasurer. "Joh…
View source ↗ - Newsseekingalpha.com·35d ago·Neutral
…hrinking World Acceptance Corporation is rated Buy, with a $210–$225 valuation target, implying 11–18% upside as earnings recover and buybacks drive per-share value. WRLD's fiscal 2026 earnings trough was driven by transient factors; recent quarters show improving credit metrics, strong cash flow, and EPS normalization underway. The company repurchased 16.5% of shares in FY2026, leveraging $250M+ annual operating cash flow, but increased debt-to-equity from 1.2x to 1.7x to fund buybacks.
View source ↗
Earnings
Thu, Oct 22(in 2 weeks)
Consensus estimate $0.79 per share
Typical surprise -0.5% (median, so one quarter with a near-zero estimate can't distort it)
- Fri, Jul 24$2.12 vs $0.58beat
- Thu, Apr 30$7.70 vs $7.74miss
- Tue, Jan 27$-0.19 vs $0.58miss
- Thu, Oct 23$-0.38 vs $1.87miss
- Thu, Jul 24$0.25 vs $2.44miss
- Tue, Apr 29$8.13 vs $6.42beat
Estimates and results for WRLD via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by WRLD officers and directors.
- Bought
- —
- Sold
- $117.7m
0 trades
50 trades
- Prescott General Partners Llcsold
- Prescott General Partners Llcsold
- Prescott General Partners Llcsold
- Prescott General Partners Llcsold
- Childers Jason E.sold
- Robinson Benjamin E Iiisold
- Mcintyre Scottsold
- Calmes John L Jrsold
50 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in WRLD.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.