WRLD · World Acceptance Corp
$184.55
-4.55 (-2.41%)
At close · Aug 19
Market Cap
$881.81M
Shares
4.66M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$184.55
Open$189.50
Day$184.44–190.22
52W close$115.57–223.83
Avg vol 30d119K
Short int508K · 10.9% float · 3.1d
Short vol72%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 24, 2026
Est · unconfirmed
· in 9 wks
FQ2-27 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Weak
Quant / Vol
Very High
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+19%
above
Price vs 50-day avg
−3%
below
RSI (14)
45
neutral
MACD trend
Negative
52-week position
64%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+32%
trailing
YTD return
+31%
this year
Relative strength
+21%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $191 › 200d $154 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$26.3M over 90 days · 100% sells
Short interest
Falling
10.89% of float · ▼ -13.6% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
196 holders — near 3-yr high, broad support
Squeeze score
63
elevated · 0–100
Fundamentals
Revenue growth
+4%
Y/Y
EPS growth
−58%
Y/Y
Free cash flow
$255.5M
Valuation
P/E 22.8
rich
Buyback
$50.0M
authorized
Balance sheet
$581.2M
net debt
Quant / Vol
risk profile
Volatility
51%
annualized · 1-yr
Max drawdown
−37%
past year
ATR
4.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2024
EPS
· this year / fiscal 2025
$16.35
Guided vs delivered
· last 1 settled
EPS target
fiscal year 2025
guided $20.00 – $20.45
$16.21
Miss −19.9%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+19%
Bullish
Price vs 50-day avg
−3%
Neutral
RSI (14)
45
Neutral
MACD trend
Negative
Bearish
52-week position
64%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $191 › 200d $154 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$26.3M over 90 days · 100% sells
Short interest
Falling
10.89% of float · ▼ -13.6% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
196 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $116
Now $185 · 64%
Range high $224
vs 200-day avg +19%
vs 50-day avg -3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted net income non-GAAP | 9.7M | Q1 FY2027 | — |
| Adjusted net income per diluted share non-GAAP | $2.12 | Q1 FY2027 | — |
| Allowance for credit losses as a percent of net loans receivable | 11.8% | as of June 30, 2026 | — |
| customer base change (same store) | 1.7% | twelve-month period ended June 30, 2026 | — |
| Former customer loan origination volume | $93,627,432 | Q1 FY2027 | — |
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| Gross loans outstanding | 1.29B | as of June 30, 2026 | — |
| Loan volume | 758.92M | Three months ended June 30 | — |
| Loans 0-60 days past due on a recency basis | 18.1% | as of June 30, 2026 | — |
| Loans 61 days or more past due on a recency basis | 5.2% | as of June 30, 2026 | — |
| Net charge-offs | 43.3M | Q1 FY2027 | — |
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| Net charge-offs as a percentage of average net loans receivable (annualized) | 18.2% | Q1 FY2027 | — |
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| New customer loan origination volume | $24,930,044 | Q1 FY2027 | — |
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| Open branches | 1,009 | as of June 30, 2026 | — |
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| Refinance customer loan origination volume | $640,399,793 | Q1 FY2027 | — |
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| Return on average assets (trailing 12 months) | 3.6% | Three months ended June 30 | — |
| Return on average equity (trailing 12 months) | 10.6% | Three months ended June 30 | — |
| Same store gross loans change | 2.2% | twelve-month period ended June 30, 2026 | — |
| accounts 61 days or more past due (recency) | 5.6% | as of March 31, 2026 | — |
| customer base growth | 2.5% | twelve-month period ended March 31, 2026 | — |
| customer base growth (same store) | 3.2% | twelve-month period ended March 31, 2026 | — |
| large loan portfolio as percentage of overall portfolio | 44.7% | as of March 31, 2026 | — |
| Interest and insurance yield increase | 84 | Q3 FY 2026 | — |
| Loans 60 days or more past due on a recency basis | 5.6% | As of December 31, 2025 | — |
| Same store gross loans growth (branches open at least twelve months) | 2.5% | Twelve-month period ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
WRLD
this stock
World Acceptance Corp
|
$881.81M | +31.5% | +3.7% | 22.8 | 10.9% |
|
V
Visa Inc.
|
$649.98B | +4.2% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$492.55B | +0.5% | +16.4% | 30.9 | 1.0% |
|
AXP
American Express Co
|
$228.61B | -8.1% | +13.4% | 20.6 | 1.8% |
|
COF
Capital One Financial Corp
|
$138.96B | -8.9% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| WRLD | -2.7% | -1.2% | +32.4% | +2.6% | +31.5% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.3% | -4.1% | +20.8% | -0.3% | +18.7% |
Capital returns
Buyback program
· as of Aug 13, 2026
Authorized
$50.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.