Is World Acceptance (WRLD) overvalued or fairly valued?

MarketChacha shows World Acceptance's valuation in context — a trailing P/E of about 25.5, a forward P/E of about 13.2, a price-to-book of about 2.5 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does World Acceptance's reported profit turn into cash?

Over 4 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (4.82×) from reported figures — education, not a rating.

What is World Acceptance's revenue?

World Acceptance reported revenue of $585.2M for FY2026, with net profit of $34.6M, per official filings.

What is the share price of World Acceptance (WRLD)?

World Acceptance last traded at $185.90 (-1.5% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

World Acceptance

WRLD · NYSE · Financials · United States

$185.90-1.5%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:28 PM

Snapshot

TickerWRLD

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees2,907

HeadquartersGreenville, United States

Market cap$862.6M

P/E (TTM)25.5

P/B2.5

Volume122.57K

Websitewww.loansbyworld.com

Filings tracked7

About World Acceptance

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 to borrowers. 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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders20.5%
Institutions79.5%
Public & other0.0%

258 institutional holders

As reported by Yahoo Finance.

Top holders

Prescott General Partners LLC32.59%
Blackrock Inc.9.75%
Dimensional Fund Advisors LP4.84%
AQR Capital Management, LLC3.34%
UBS Group AG2.88%
Vanguard Capital Management LLC2.55%
State Street Corporation2.55%
Vanguard Portfolio Management LLC2.22%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion4.82×

Over 4 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend3.4% → 5.9%

Margin has expanded by about 2.5 points — the business is getting more profitable.

Growth qualityrev -2% · PAT 18%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $145.8M · EPS 0.35

Est. earnings growth +192.1%

Next fiscal year

Rev $670.0M · EPS 14.12

Est. earnings growth +28.5%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$110.0052-wk range$227.68

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$862.6M

Day change

-1.5%

P/E (TTM)

25.5

Fwd P/E

13.2

P/B

2.5

Beta

1.14

Revenue (FY2026)

$585.2M

Net margin

5.9%

ROE

9.9%

Revenue CAGR (3y)

-1.7%

Profit CAGR (3y)

+17.7%

EPS (FY2026)

6.88

Net profit (FY2026)

$34.6M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about WRLD

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2026	$585.2M	$34.6M	6.88	5.9%	9.9%
FY2025	$564.2M	$89.2M	16.21	15.8%	20.4%
FY2024	$572.8M	$77.0M	13.14	13.5%	18.2%
FY2023	$616.5M	$21.2M	3.60	3.4%	5.5%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$175.9M	$35.3M	7.44	20.1%
2025Q4	$141.6M	$-625,000	-0.13	-0.4%
2025Q3	$134.8M	$-1.7M	-0.33	-1.2%
2025Q2	$132.8M	$1.6M	0.30	1.2%
2025Q1	$163.7M	$43.1M	7.91	26.3%
2024Q4	$139.0M	$13.6M	2.49	9.8%
2024Q3	$131.7M	$22.4M	4.03	17.0%
2024Q2	$129.8M	$10.2M	1.82	7.8%
2024Q1	$159.3M	$35.1M	6.09	22.0%
2023Q4	$137.8M	$16.7M	2.84	12.1%
2023Q3	$136.9M	$16.1M	2.71	11.7%
2023Q2	$139.3M	$9.5M	1.62	6.8%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Material agreement, Material financial obligation, Exhibits
SEC7/1/2026material
10-K/A filing
SEC6/5/2026
8-K — Executive/director change
SEC6/4/2026material
10-K filing
SEC6/4/2026
8-K — Material agreement
SEC5/26/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/30/2026material
8-K — Executive/director change, Other events, Exhibits
SEC4/15/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.