WRLD$138.453
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AI WRLD Summary
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Powered by LiveAIOverall Analysis
BuyWorld Acceptance Corporation shows strong historical earnings growth and profitability, but current technical indicators and recent price action suggest a cautious approach. Its financial position is solid, with manageable debt levels.
Thematic
World Acceptance Corporation operates in the consumer finance sector, providing loans to individuals with limited access to traditional credit. Thematic relevance is moderate, tied to broader economic conditions and consumer credit demand.
Fundamental
The company exhibits strong revenue and net income growth, particularly in recent quarters, with impressive net profit margins. Its balance sheet appears manageable with a decrease in debt year-over-year.
Technical
The stock has experienced a significant price decline recently. Technical indicators across various timeframes suggest bearish sentiment, with most moving averages indicating 'Sell' and oscillators predominantly neutral to bearish.
| Factor | Score |
|---|---|
| Consumer Credit Demand | 60 |
| Regulatory Environment | 40 |
| Technological Adoption | 30 |
| Economic Sensitivity | 50 |
| Competitive Landscape | 40 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 95 |
| Growth | 40 |
| Balance Sheet Health | 60 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 50 |
| Volume Confirmation | 50 |
| Support & Resistance | 50 |
| Short-Term Oscillators | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beats
The company has consistently beaten earnings per share (EPS) estimates for the past several quarters, with the latest quarter showing a significant surprise of 100.5% (reported $3.99 vs. estimate $1.99).
Low P/E Ratio
The trailing twelve months (TTM) Price-to-Earnings (P/E) ratio is 10.6, which is considerably lower than many companies in similar sectors, suggesting potential undervaluation.
Bearish Points (7)
Increasing P/S Ratio
The Price-to-Sales (P/S) ratio for the trailing twelve months (TTM) is 2.1, which has increased from 0.8 in 2023, suggesting that the stock is becoming more expensive relative to its sales.
Slowing Revenue Growth
While net income has grown, annual revenue shows a decline from $566 billion in 2023 to $525 billion in 2024, indicating potential challenges in top-line expansion.
Calendar
October 2025
24
Next Earnings Date
H: $1.11
A: $1.11
L: $1.11
H: 129.10M
A: 127.85M
L: 126.60M
Profile
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. 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.
Seasonals
Price Target
157.50 USD
The 39 analysts offering 1 year price forecasts for WRLD have a max estimate of 165.00 and a min estimate of 150.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
Direct competitor specializing in personal installment loans for non-prime borrowers, sharing a very similar business model and target market with World Acceptance Corporation.
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A direct competitor focused on consumer installment loans, serving a comparable credit demographic and operating within the same niche as World Acceptance Corporation.
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Provides credit and loan products to underserved consumers, including direct lending and credit card services, aligning closely with World Acceptance Corporation's customer base.
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Offers various consumer credit products, including installment loans, payday loans, and open-end credit, directly catering to a similar subprime market segment.