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Also traded in: Germany, Mexico

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.04
WRLD's Cash to Debt is ranked lower than
83% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. WRLD: 0.04 )
Ranked among companies with meaningful Cash to Debt only.
WRLD' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.03 Max: 0.08
Current: 0.04
0.01
0.08
Equity to Asset 0.40
WRLD's Equity to Asset is ranked lower than
55% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. WRLD: 0.40 )
Ranked among companies with meaningful Equity to Asset only.
WRLD' s Equity to Asset Range Over the Past 10 Years
Min: 0.31  Med: 0.46 Max: 0.66
Current: 0.4
0.31
0.66
Interest Coverage 6.59
WRLD's Interest Coverage is ranked higher than
53% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. WRLD: 6.59 )
Ranked among companies with meaningful Interest Coverage only.
WRLD' s Interest Coverage Range Over the Past 10 Years
Min: 6.15  Med: 8.32 Max: 11.5
Current: 6.59
6.15
11.5
F-Score: 6
WACC vs ROIC
9.93%
12.77%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 31.11
WRLD's Operating margin (%) is ranked higher than
69% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. WRLD: 31.11 )
Ranked among companies with meaningful Operating margin (%) only.
WRLD' s Operating margin (%) Range Over the Past 10 Years
Min: 24.27  Med: 28.72 Max: 30.44
Current: 31.11
24.27
30.44
Net-margin (%) 19.59
WRLD's Net-margin (%) is ranked higher than
60% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. WRLD: 19.59 )
Ranked among companies with meaningful Net-margin (%) only.
WRLD' s Net-margin (%) Range Over the Past 10 Years
Min: 14.97  Med: 17.85 Max: 19.14
Current: 19.59
14.97
19.14
ROE (%) 31.67
WRLD's ROE (%) is ranked higher than
93% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. WRLD: 31.67 )
Ranked among companies with meaningful ROE (%) only.
WRLD' s ROE (%) Range Over the Past 10 Years
Min: 19.25  Med: 22.94 Max: 35.58
Current: 31.67
19.25
35.58
ROA (%) 11.93
WRLD's ROA (%) is ranked higher than
93% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. WRLD: 11.93 )
Ranked among companies with meaningful ROA (%) only.
WRLD' s ROA (%) Range Over the Past 10 Years
Min: 11.16  Med: 12.90 Max: 14.49
Current: 11.93
11.16
14.49
Revenue Growth (3Y)(%) 22.30
WRLD's Revenue Growth (3Y)(%) is ranked higher than
82% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. WRLD: 22.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WRLD' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 13.6  Med: 15.80 Max: 22.8
Current: 22.3
13.6
22.8
EBITDA Growth (3Y)(%) 21.40
WRLD's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 9.10 vs. WRLD: 21.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WRLD' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.8  Med: 20.30 Max: 34.5
Current: 21.4
-7.8
34.5
EPS Growth (3Y)(%) 21.80
WRLD's EPS Growth (3Y)(%) is ranked higher than
69% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 8.20 vs. WRLD: 21.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WRLD' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -8  Med: 20.60 Max: 38.1
Current: 21.8
-8
38.1
» WRLD's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

WRLD Guru Trades in Q1 2015

Jim Simons 45,400 sh (+349.50%)
Chuck Royce 1,000 sh (+150.00%)
Columbia Wanger 1,038,842 sh (-6.25%)
» More
Q2 2015

WRLD Guru Trades in Q2 2015

Paul Tudor Jones 6,600 sh (New)
Chuck Royce 1,200 sh (+20.00%)
Jim Simons 52,800 sh (+16.30%)
Chuck Royce 5 sh (unchged)
Columbia Wanger 737,757 sh (-28.98%)
» More
Q3 2015

WRLD Guru Trades in Q3 2015

Paul Tudor Jones 22,000 sh (+233.33%)
Chuck Royce 1,200 sh (unchged)
Jim Simons 33,088 sh (-37.33%)
Columbia Wanger 403,760 sh (-45.27%)
» More
Q4 2015

WRLD Guru Trades in Q4 2015

Columbia Wanger Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with WRLD

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Top Ranked Articles about World Acceptance Corp

All-In-One Screener Identifies Undervalued U.S. Financial Services Stocks Screener pinpoints five companies with 5-star Predictability ratings
No matter how well an economy may be performing, there are always people who believe a recession – or worse – is just around the proverbial corner. Instability in China and a strong American dollar currently fuel such fears in the U.S. although that kind of anxiety is always bubbling just beneath the surface. Read more...
Undervalued Stocks Among Chuck Royce's Recent Buys Latest investor's acquisitions have wider margins of safety
Chuck Royce (Trades, Portfolio) is the president, co-chief investment officer and portfolio manager of Royce & Associates LLC, a hedge fund with a $23,670 million portfolio composed of 1211 stocks. According to GuruFocus' All-In-One screener, the following are the companies he recently bought that are trading with a wide margin of safety. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 2.63
WRLD's P/E(ttm) is ranked higher than
98% of the 222 Companies
in the Global Credit Services industry.

( Industry Median: 13.50 vs. WRLD: 2.63 )
Ranked among companies with meaningful P/E(ttm) only.
WRLD' s P/E(ttm) Range Over the Past 10 Years
Min: 2.18  Med: 10.24 Max: 21.66
Current: 2.63
2.18
21.66
Forward P/E 3.41
WRLD's Forward P/E is ranked higher than
94% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 9.42 vs. WRLD: 3.41 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 2.63
WRLD's PE(NRI) is ranked higher than
98% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 13.50 vs. WRLD: 2.63 )
Ranked among companies with meaningful PE(NRI) only.
WRLD' s PE(NRI) Range Over the Past 10 Years
Min: 2.17  Med: 10.24 Max: 21.65
Current: 2.63
2.17
21.65
P/B 0.83
WRLD's P/B is ranked higher than
60% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 0.96 vs. WRLD: 0.83 )
Ranked among companies with meaningful P/B only.
WRLD' s P/B Range Over the Past 10 Years
Min: 0.61  Med: 2.36 Max: 4.37
Current: 0.83
0.61
4.37
P/S 0.52
WRLD's P/S is ranked higher than
93% of the 298 Companies
in the Global Credit Services industry.

( Industry Median: 2.93 vs. WRLD: 0.52 )
Ranked among companies with meaningful P/S only.
WRLD' s P/S Range Over the Past 10 Years
Min: 0.43  Med: 1.83 Max: 3.66
Current: 0.52
0.43
3.66
PFCF 1.47
WRLD's PFCF is ranked higher than
91% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 10.27 vs. WRLD: 1.47 )
Ranked among companies with meaningful PFCF only.
WRLD' s PFCF Range Over the Past 10 Years
Min: 1.19  Med: 4.63 Max: 10.04
Current: 1.47
1.19
10.04
POCF 1.42
WRLD's POCF is ranked higher than
92% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. WRLD: 1.42 )
Ranked among companies with meaningful POCF only.
WRLD' s POCF Range Over the Past 10 Years
Min: 1.14  Med: 4.47 Max: 9.28
Current: 1.42
1.14
9.28
EV-to-EBIT 4.50
WRLD's EV-to-EBIT is ranked higher than
89% of the 227 Companies
in the Global Credit Services industry.

( Industry Median: 18.41 vs. WRLD: 4.50 )
Ranked among companies with meaningful EV-to-EBIT only.
WRLD' s EV-to-EBIT Range Over the Past 10 Years
Min: 3  Med: 8.50 Max: 15.2
Current: 4.5
3
15.2
EV-to-EBITDA 4.31
WRLD's EV-to-EBITDA is ranked higher than
87% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 17.13 vs. WRLD: 4.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
WRLD' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.8  Med: 8.00 Max: 14.1
Current: 4.31
2.8
14.1
PEG 0.12
WRLD's PEG is ranked higher than
94% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 0.59 vs. WRLD: 0.12 )
Ranked among companies with meaningful PEG only.
WRLD' s PEG Range Over the Past 10 Years
Min: 0.11  Med: 0.45 Max: 1.13
Current: 0.12
0.11
1.13
Shiller P/E 5.08
WRLD's Shiller P/E is ranked higher than
85% of the 34 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. WRLD: 5.08 )
Ranked among companies with meaningful Shiller P/E only.
WRLD' s Shiller P/E Range Over the Past 10 Years
Min: 4.15  Med: 18.73 Max: 40.98
Current: 5.08
4.15
40.98

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.83
WRLD's Price/Tangible Book is ranked higher than
62% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 1.05 vs. WRLD: 0.83 )
Ranked among companies with meaningful Price/Tangible Book only.
WRLD' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.7  Med: 2.42 Max: 5.77
Current: 0.83
0.7
5.77
Price/Projected FCF 0.08
WRLD's Price/Projected FCF is ranked higher than
96% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 0.74 vs. WRLD: 0.08 )
Ranked among companies with meaningful Price/Projected FCF only.
WRLD' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.07  Med: 0.34 Max: 0.72
Current: 0.08
0.07
0.72
Price/DCF (Earnings Based) 0.10
WRLD's Price/DCF (Earnings Based) is ranked higher than
89% of the 9 Companies
in the Global Credit Services industry.

( Industry Median: 0.56 vs. WRLD: 0.10 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.29
WRLD's Price/Median PS Value is ranked higher than
90% of the 265 Companies
in the Global Credit Services industry.

( Industry Median: 0.92 vs. WRLD: 0.29 )
Ranked among companies with meaningful Price/Median PS Value only.
WRLD' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.24  Med: 0.90 Max: 1.93
Current: 0.29
0.24
1.93
Price/Peter Lynch Fair Value 0.14
WRLD's Price/Peter Lynch Fair Value is ranked higher than
98% of the 44 Companies
in the Global Credit Services industry.

( Industry Median: 0.81 vs. WRLD: 0.14 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WRLD' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.11  Med: 0.45 Max: 1.03
Current: 0.14
0.11
1.03
Price/Graham Number 0.32
WRLD's Price/Graham Number is ranked higher than
91% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. WRLD: 0.32 )
Ranked among companies with meaningful Price/Graham Number only.
WRLD' s Price/Graham Number Range Over the Past 10 Years
Min: 0.26  Med: 1.04 Max: 2.01
Current: 0.32
0.26
2.01
Earnings Yield (Greenblatt) (%) 22.29
WRLD's Earnings Yield (Greenblatt) (%) is ranked higher than
91% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 3.70 vs. WRLD: 22.29 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WRLD' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.6  Med: 11.80 Max: 33.3
Current: 22.29
6.6
33.3
Forward Rate of Return (Yacktman) (%) 78.17
WRLD's Forward Rate of Return (Yacktman) (%) is ranked higher than
96% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. WRLD: 78.17 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WRLD' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 26.4  Med: 37.90 Max: 88.2
Current: 78.17
26.4
88.2

More Statistics

Revenue(Mil) $541
EPS $ 11.92
Beta2.90
Short Percentage of Float73.20%
52-Week Range $25.30 - 96.23
Shares Outstanding(Mil)8.92

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:WOA.Germany, WRLD.Mexico,
World Acceptance Corp was formed in 1962. The Company provides small-loan consumer finance companies, offering short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. The Company offers standardized installment loans generally between $300 and $4,000 through 1,320 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Texas, Tennessee, Wisconsin and Mexico. It generally serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses and credit card lenders. In its U.S. branches, the Company also offers income tax return preparation services to its customers and other individuals. It also offers automobile club memberships to its borrowers in Georgia, Tennessee, New Mexico, Louisiana, Alabama, Texas, Kentucky, Indiana, Wisconsin, and Mississippi as an agent for an unaffiliated automobile club. Club memberships entitle members to automobile breakdown, towing reimbursement and related services. The Company is subject to numerous state laws and regulations that affect its lending activities.
» More Articles for NAS:WRLD

Headlines

Articles On GuruFocus.com
All-In-One Screener Identifies Undervalued U.S. Financial Services Stocks Oct 19 2015 
Columbia Wanger Sells Four Stakes in Portfolio Oct 05 2015 
Undervalued Stocks Among Chuck Royce's Recent Buys Sep 09 2015 
Value Trap at World Acceptance (WRLD) Jul 27 2015 
Predictable and Undervalued Companies - Part I May 13 2015 
A Recent Spin-Off Down 25% Apr 21 2015 
World Acceptance Corp: Potential Regulations Offset Attractive Valuation Feb 13 2015 
Three Stocks Below Peter Lynch Earning Line Feb 09 2015 
Small cap high short interest (Predictability = 5), Part 1 Oct 16 2014 
WRLD: Potential Amid Political Correctness Sep 21 2014 

More From Other Websites
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World Acceptance posts 3Q profit Jan 28 2016
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WORLD ACCEPTANCE CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 28 2016
World Acceptance Corporation Reports Third Quarter Results Jan 28 2016
World Acceptance Corp. breached its 50 day moving average in a Bullish Manner : January 27, 2016 Jan 27 2016
5 Hated Stocks Set to Soar on Bullish Earnings Jan 26 2016
World Acceptance Corporation Announces Third Quarter 2016 Conference Call on the Internet Jan 19 2016
SHAREHOLDER ALERT: The Law Offices of Vincent Wong Launch Investigation of World Acceptance Corp.... Jan 14 2016
World Acceptance Corp. breached its 50 day moving average in a Bearish Manner : January 11, 2016 Jan 11 2016
Credit Service and Lending - Chairman and Co-CEO Invests $8.5 Million in WINS Jan 07 2016
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces an Investigation Involving Possible Breaches of... Jan 05 2016
World Acceptance Corp. breached its 50 day moving average in a Bearish Manner : December 31, 2015 Dec 31 2015
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