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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.02
WRLD's Cash to Debt is ranked lower than
58% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. WRLD: 0.02 )
WRLD' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.06
Current: 0.02

0.01
0.06
Equity to Asset 0.35
WRLD's Equity to Asset is ranked higher than
74% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. WRLD: 0.35 )
WRLD' s 10-Year Equity to Asset Range
Min: 0.31   Max: 0.66
Current: 0.35

0.31
0.66
Interest Coverage 9.56
WRLD's Interest Coverage is ranked higher than
84% of the 110 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. WRLD: 9.56 )
WRLD' s 10-Year Interest Coverage Range
Min: 1.98   Max: 11.61
Current: 9.56

1.98
11.61
F-Score: 4
Z-Score: 2.31
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 (%) 29.36
WRLD's Operating margin (%) is ranked higher than
76% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. WRLD: 29.36 )
WRLD' s 10-Year Operating margin (%) Range
Min: 12.63   Max: 30.38
Current: 29.36

12.63
30.38
Net-margin (%) 18.38
WRLD's Net-margin (%) is ranked higher than
69% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. WRLD: 18.38 )
WRLD' s 10-Year Net-margin (%) Range
Min: 8.46   Max: 19.14
Current: 18.38

8.46
19.14
ROE (%) 28.41
WRLD's ROE (%) is ranked higher than
95% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 11.35 vs. WRLD: 28.41 )
WRLD' s 10-Year ROE (%) Range
Min: 13.35   Max: 28.41
Current: 28.41

13.35
28.41
ROA (%) 12.86
WRLD's ROA (%) is ranked higher than
97% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. WRLD: 12.86 )
WRLD' s 10-Year ROA (%) Range
Min: 5.47   Max: 13.7
Current: 12.86

5.47
13.7
ROC (Joel Greenblatt) (%) 40.31
WRLD's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 33.24 vs. WRLD: 40.31 )
WRLD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 40.31   Max: 557.93
Current: 40.31

40.31
557.93
Revenue Growth (%) 18.40
WRLD's Revenue Growth (%) is ranked higher than
91% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. WRLD: 18.40 )
WRLD' s 10-Year Revenue Growth (%) Range
Min: 13.6   Max: 22.8
Current: 18.4

13.6
22.8
EBITDA Growth (%) 19.60
WRLD's EBITDA Growth (%) is ranked higher than
81% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. WRLD: 19.60 )
WRLD' s 10-Year EBITDA Growth (%) Range
Min: -7.8   Max: 34.5
Current: 19.6

-7.8
34.5
EPS Growth (%) 21.00
WRLD's EPS Growth (%) is ranked higher than
81% of the 94 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. WRLD: 21.00 )
WRLD' s 10-Year EPS Growth (%) Range
Min: -8.1   Max: 38.1
Current: 21

-8.1
38.1
» WRLD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

WRLD Guru Trades in Q1 2013

Jim Simons 41,300 sh (New)
Jeremy Grantham 5,815 sh (+7.39%)
John Hussman 190,000 sh (unchged)
Chuck Royce 3,000 sh (unchged)
Columbia Wanger 1,775,500 sh (-1.72%)
» More
Q2 2013

WRLD Guru Trades in Q2 2013

Steven Cohen 3,900 sh (New)
John Hussman 190,000 sh (unchged)
Chuck Royce 3,000 sh (unchged)
Zeke Ashton 17,000 sh (unchged)
Jeremy Grantham 5,127 sh (-11.83%)
Columbia Wanger 1,446,600 sh (-18.52%)
Jim Simons 30,200 sh (-26.88%)
» More
Q3 2013

WRLD Guru Trades in Q3 2013

Joel Greenblatt 2,270 sh (New)
Steven Cohen 6,984 sh (+79.08%)
Jim Simons 45,225 sh (+49.75%)
Chuck Royce 3,000 sh (unchged)
Zeke Ashton 10,000 sh (unchged)
John Hussman 184,000 sh (-3.16%)
Columbia Wanger 1,299,000 sh (-10.2%)
Jeremy Grantham 4,427 sh (-13.65%)
» More
Q4 2013

WRLD Guru Trades in Q4 2013

David Dreman 449 sh (New)
Paul Tudor Jones 8,300 sh (New)
Jim Simons 87,900 sh (+94.36%)
Joel Greenblatt 2,743 sh (+20.84%)
Chuck Royce 3,000 sh (unchged)
Steven Cohen Sold Out
Jeremy Grantham 4,394 sh (-0.75%)
John Hussman 174,000 sh (-5.43%)
Columbia Wanger 1,168,500 sh (-10.05%)
» More
» Details

Insider Trades

Latest Guru Trades with WRLD

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-12-31 Add 20.84%$84.67 - $107.33 $ 78.28-16%2743
David Dreman 2013-12-31 New Buy$84.67 - $107.33 $ 78.28-16%449
Joel Greenblatt 2013-09-30 New Buy0.01%$76 - $89.93 $ 78.28-8%2270
John Hussman 2012-06-30 Reduce -39.13%0.16%$57.31 - $70.58 $ 78.2820%210000
John Hussman 2011-09-30 Add 245%0.22%$56.66 - $68.53 $ 78.2823%345000
John Hussman 2011-03-31 New Buy0.11%$52.34 - $65.1 $ 78.2833%100000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about World Acceptance Corporation

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Ratios

vs
industry
vs
history
P/E(ttm) 9.20
WRLD's P/E(ttm) is ranked higher than
82% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 12.40 vs. WRLD: 9.20 )
WRLD' s 10-Year P/E(ttm) Range
Min: 3.22   Max: 21.66
Current: 9.2

3.22
21.66
P/B 2.80
WRLD's P/B is ranked lower than
61% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. WRLD: 2.80 )
WRLD' s 10-Year P/B Range
Min: 0.61   Max: 4.36
Current: 2.8

0.61
4.36
P/S 1.60
WRLD's P/S is ranked higher than
78% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. WRLD: 1.60 )
WRLD' s 10-Year P/S Range
Min: 0.49   Max: 3.66
Current: 1.6

0.49
3.66
PFCF 4.00
WRLD's PFCF is ranked higher than
75% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. WRLD: 4.00 )
WRLD' s 10-Year PFCF Range
Min: 1.29   Max: 9.28
Current: 4

1.29
9.28
EV-to-EBIT 8.70
WRLD's EV-to-EBIT is ranked higher than
91% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 16.90 vs. WRLD: 8.70 )
WRLD' s 10-Year EV-to-EBIT Range
Min: 3.7   Max: 15.2
Current: 8.7

3.7
15.2
PEG 0.40
WRLD's PEG is ranked higher than
87% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. WRLD: 0.40 )
WRLD' s 10-Year PEG Range
Min: 0.21   Max: 1.16
Current: 0.4

0.21
1.16
Shiller P/E 12.90
WRLD's Shiller P/E is ranked higher than
78% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 18.31 vs. WRLD: 12.90 )
WRLD' s 10-Year Shiller P/E Range
Min: 4.49   Max: 30.86
Current: 12.9

4.49
30.86

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.80
WRLD's Price/Tangible Book is ranked lower than
61% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. WRLD: 2.80 )
WRLD' s 10-Year Price/Tangible Book Range
Min: 0.98   Max: 8.43
Current: 2.8

0.98
8.43
Price/DCF (Projected) 0.30
WRLD's Price/DCF (Projected) is ranked higher than
85% of the 60 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. WRLD: 0.30 )
WRLD' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 0.68
Current: 0.3

0.15
0.68
Price/Median PS Value 0.80
WRLD's Price/Median PS Value is ranked higher than
84% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. WRLD: 0.80 )
WRLD' s 10-Year Price/Median PS Value Range
Min: 0.38   Max: 2.5
Current: 0.8

0.38
2.5
Price/Peter Lynch Fair Value 0.40
WRLD's Price/Peter Lynch Fair Value is ranked higher than
87% of the 39 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. WRLD: 0.40 )
WRLD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26   Max: 1.05
Current: 0.4

0.26
1.05
Price/Graham Number 1.00
WRLD's Price/Graham Number is ranked higher than
54% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. WRLD: 1.00 )
WRLD' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 3.35
Current: 1

0.46
3.35
Earnings Yield (Greenblatt) 11.50
WRLD's Earnings Yield (Greenblatt) is ranked higher than
91% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. WRLD: 11.50 )
WRLD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.6   Max: 26.8
Current: 11.5

6.6
26.8
Forward Rate of Return (Yacktman) 34.06
WRLD's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. WRLD: 34.06 )
WRLD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 25.8   Max: 64.8
Current: 34.06

25.8
64.8

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:WOA.Germany
World Acceptance Corporation is a small-loan consumer finance company, that provides short-term small loans, medium-term larger loans, related credit insurance products and ancillary products and services to individuals.

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User Comments

Stanphoffman@gmail.com
ReplyStanphoffman@gmail.com - 1 month ago
Buyer beware. Read latest article in Seeking Alpha.
Gurufocus
ReplyGurufocus - 6 months ago
Not liked by many. But tremendous growth and share buyback. Buying back at least 5% shares a year.

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