WRLD · World Acceptance Corp
$190.92
+1.27 (+0.67%)
At close · Jul 29
Market Cap
$861.06M
Shares
4.64M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$189.65
Open$196.04
Day$186.01–196.04
52W$110.00–227.68
Avg vol 30d128K
Short int588K · 12.7% float · 4.9d
Short vol78%
Last earningsJul 24, 2026
DataJan 2020–Jul 2026
Filing10-K · Jun 4
Up next
Next earnings call
Oct 24, 2026
Est · unconfirmed
· in 12 wks
FQ2-27 quarter ends
~Sep 30, 2026
Est
filed Jun 4, 2026
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Very High
Market backdrop
VIX 18.2 · elevated
Equity put/call 0.71
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+25%
above
Price vs 50-day avg
+4%
above
RSI (14)
49
neutral
MACD trend
Negative
52-week position
68%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−15%
trailing
6-month return
+57%
trailing
YTD return
+35%
this year
Relative strength
+49%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $183 › 200d $152 — 50d above 200d
Institutional flow
Accumulating
32 of 179 funds reported for Jun 30 · net +8.6K sh shares · +6 new
Insider flow
Distributing
Net -$335.1K over 90 days · 100% sells
Short interest
Rising
12.67% of float · ▲ +2.2% MoM · 4.9 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
179 holders — near 3-yr high, broad support
Squeeze score
70
elevated · 0–100
Fundamentals
Revenue growth
+4%
Y/Y
EPS growth
−58%
Y/Y
Free cash flow
$255.5M
Valuation
P/E 25.5
rich
Buyback
$10.0M
remaining
Balance sheet
$581.2M
net debt
Quant / Vol
risk profile
Volatility
51%
annualized · 1-yr
Max drawdown
−37%
past year
ATR
5.4%
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.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+25%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
49
Neutral
MACD trend
Negative
Bearish
52-week position
68%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $183 › 200d $152 — 50d above 200d
Institutional flow
Accumulating
32 of 179 funds reported for Jun 30 · net +8.6K sh shares · +6 new
Insider flow
Distributing
Net -$335.1K over 90 days · 100% sells
Short interest
Rising
12.67% of float · ▲ +2.2% MoM · 4.9 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
179 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $110
Now $190 · 68%
52-wk high $228
vs 200-day avg +25%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted net income non-GAAP | $9.7M | Q1 FY 2027 | — |
| Adjusted net income per diluted share non-GAAP | $2.12 | Q1 FY 2027 | — |
| Allowance for credit losses as a percentage of net loans receivable | 11.8% | Q1 FY 2027 | — |
| Customer base growth | -1.9% | Q1 FY 2027 | — |
| Customer base growth (same store) | -1.7% | Q1 FY 2027 | — |
| Ending allowance for credit losses | $112.5M | Q1 FY 2027 | — |
| Former customer loan volume | $93,627,432 | Q1 FY 2027 | — |
| Gross loans outstanding | $1.29B | Q1 FY 2027 | — |
| Interest and insurance yields increase | 91 | Q1 FY 2027 | — |
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| Loans 0-60 days past due on a recency basis | 18.1% | Q1 FY 2027 | — |
| Loans 61 days or more past due on a recency basis | 5.2% | Q1 FY 2027 | — |
| Net charge-offs | $43.3M | Q1 FY 2027 | — |
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| Net charge-offs as a percentage of average net loans receivable (annualized) | 18.2% | Q1 FY 2027 | — |
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| New customer loan origination volume change | -40.1% | Q1 FY 2027 | — |
| New customer loan volume | $24,930,044 | Q1 FY 2027 | — |
| Open branches | 1,009 | Q1 FY 2027 | — |
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| Provision for credit losses | $43.8M | Q1 FY 2027 | — |
| Refinance customer loan origination volume change | 4.3% | Q1 FY 2027 | — |
| Refinanced customer loan volume | $640,399,793 | Q1 FY 2027 | — |
| Same store gross loans | 2.2% | Q1 FY 2027 | — |
| accounts 61 days or more past due (recency) | 5.6% | as of March 31, 2026 | — |
| former customer loan origination volume | $60,199,603 | Q4 FY 2026 | — |
| large loan portfolio as percentage of overall portfolio | 44.7% | as of March 31, 2026 | — |
| new customer loan origination volume | $24,189,173 | Q4 FY 2026 | — |
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| refinance customer loan origination volume | $470,620,087 | Q4 FY 2026 | — |
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| same store gross loans change | 4.9% | twelve-month period ended March 31, 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 · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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
|
$861.06M | +35.1% | +3.7% | 25.5 | 12.7% |
|
V
Visa Inc.
|
$657.58B | +4.7% | +12.3% | — | 1.3% |
|
MA
Mastercard Inc
|
$497.74B | -1.3% | +16.4% | 32.6 | 1.0% |
|
AXP
American Express Co
|
$227.33B | -8.8% | +13.4% | 20.4 | 1.7% |
|
COF
Capital One Financial Corp
|
$132.18B | -12.0% | +36.6% | 54.2 | 2.1% |
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 | +0.4% | -15.2% | +56.8% | -15.3% | +35.1% |
| SPY | -1.0% | 0.0% | +7.4% | -0.8% | +8.6% |
| vs SPY | +1.4% | -15.2% | +49.4% | -14.5% | +26.5% |
Capital returns
Buyback program
· as of Jun 30, 2026
Authorized
$59.90M
Spent (derived)
$49.90M
Remaining
$10.00M
Spent
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.