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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 0.01
WRLD's Cash to Debt is ranked lower than
52% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. WRLD: 0.01 )
WRLD' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.06
Current: 0.01

0.01
0.06
Equity to Asset 0.33
WRLD's Equity to Asset is ranked higher than
78% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. WRLD: 0.33 )
WRLD' s 10-Year Equity to Asset Range
Min: 0.31   Max: 0.66
Current: 0.33

0.31
0.66
Interest Coverage 8.03
WRLD's Interest Coverage is ranked higher than
83% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 4.04 vs. WRLD: 8.03 )
WRLD' s 10-Year Interest Coverage Range
Min: 1.98   Max: 11.61
Current: 8.03

1.98
11.61
F-Score: 4
Z-Score: 2.43
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 : 8/10

vs
industry
vs
history
Operating margin (%) 28.14
WRLD's Operating margin (%) is ranked higher than
79% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 22.45 vs. WRLD: 28.14 )
WRLD' s 10-Year Operating margin (%) Range
Min: 12.63   Max: 30.38
Current: 28.14

12.63
30.38
Net-margin (%) 17.55
WRLD's Net-margin (%) is ranked higher than
78% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 14.31 vs. WRLD: 17.55 )
WRLD' s 10-Year Net-margin (%) Range
Min: 8.46   Max: 19.14
Current: 17.55

8.46
19.14
ROE (%) 33.76
WRLD's ROE (%) is ranked higher than
94% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 11.85 vs. WRLD: 33.76 )
WRLD' s 10-Year ROE (%) Range
Min: 14.31   Max: 31.65
Current: 33.76

14.31
31.65
ROA (%) 11.92
WRLD's ROA (%) is ranked higher than
95% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 3.12 vs. WRLD: 11.92 )
WRLD' s 10-Year ROA (%) Range
Min: 5.8   Max: 14.49
Current: 11.92

5.8
14.49
ROC (Joel Greenblatt) (%) 31.12
WRLD's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 22.22 vs. WRLD: 31.12 )
WRLD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 36.88   Max: 608.84
Current: 31.12

36.88
608.84
Revenue Growth (3Y)(%) 20.00
WRLD's Revenue Growth (3Y)(%) is ranked higher than
91% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. WRLD: 20.00 )
WRLD' s 10-Year Revenue Growth (3Y)(%) Range
Min: 13.6   Max: 22.8
Current: 20

13.6
22.8
EBITDA Growth (3Y)(%) 17.40
WRLD's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 10.40 vs. WRLD: 17.40 )
WRLD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -7.8   Max: 34.5
Current: 17.4

-7.8
34.5
EPS Growth (3Y)(%) 17.30
WRLD's EPS Growth (3Y)(%) is ranked higher than
77% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. WRLD: 17.30 )
WRLD' s 10-Year EPS Growth (3Y)(%) Range
Min: -8.1   Max: 38.1
Current: 17.3

-8.1
38.1
» WRLD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

WRLD Guru Trades in Q4 2013

Paul Tudor Jones 8,300 sh (New)
David Dreman 449 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
Q1 2014

WRLD Guru Trades in Q1 2014

Paul Tudor Jones 12,400 sh (+49.4%)
Chuck Royce Sold Out
Jeremy Grantham Sold Out
David Dreman Sold Out
John Hussman Sold Out
Joel Greenblatt Sold Out
Columbia Wanger 1,111,407 sh (-4.89%)
Jim Simons 45,700 sh (-48.01%)
» More
Q2 2014

WRLD Guru Trades in Q2 2014

Columbia Wanger 1,111,407 sh (unchged)
Paul Tudor Jones 3,500 sh (-71.77%)
Jim Simons 10,900 sh (-76.15%)
» More
Q3 2014

WRLD Guru Trades in Q3 2014

Jim Simons 14,525 sh (+33.26%)
Paul Tudor Jones 4,500 sh (+28.57%)
Columbia Wanger 1,111,407 sh (unchged)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2014-03-31 Sold Out 1.1%$71.85 - $101.44 $ 80.42-11%0
Joel Greenblatt 2014-03-31 Sold Out 0.01%$71.85 - $101.44 $ 80.42-11%0
David Dreman 2014-03-31 Sold Out $71.85 - $101.44 $ 80.42-11%0
David Dreman 2013-12-31 New Buy$84.67 - $107.33 $ 80.42-14%449
Joel Greenblatt 2013-12-31 Add 20.84%$84.67 - $107.33 $ 80.42-14%2743
Joel Greenblatt 2013-09-30 New Buy0.01%$76 - $89.93 $ 80.42-5%2270
John Hussman 2012-06-30 Reduce -39.13%0.16%$57.31 - $70.58 $ 80.4224%210000
John Hussman 2011-09-30 Add 245%0.22%$56.66 - $68.53 $ 80.4226%345000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about World Acceptance Corp

WRLD: Potential Amid Political Correctness
Run your eye over the top listings on the GuruFocus Undervalued Predictable screener - somewhere there you’ll see WRLD, World Acceptance Corporation. On Friday, September 19, 2014, it sat atop the list, by virtue of the fact its price is a whopping 88% below its Discount Cash Flow value. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 8.00
WRLD's P/E(ttm) is ranked higher than
95% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. WRLD: 8.00 )
WRLD' s 10-Year P/E(ttm) Range
Min: 3.22   Max: 21.66
Current: 8

3.22
21.66
P/B 2.62
WRLD's P/B is ranked higher than
62% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 1.91 vs. WRLD: 2.62 )
WRLD' s 10-Year P/B Range
Min: 0.61   Max: 4.36
Current: 2.62

0.61
4.36
P/S 1.40
WRLD's P/S is ranked higher than
85% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 2.66 vs. WRLD: 1.40 )
WRLD' s 10-Year P/S Range
Min: 0.49   Max: 3.66
Current: 1.4

0.49
3.66
PFCF 3.42
WRLD's PFCF is ranked higher than
91% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. WRLD: 3.42 )
WRLD' s 10-Year PFCF Range
Min: 1.29   Max: 10.04
Current: 3.42

1.29
10.04
EV-to-EBIT 11.00
WRLD's EV-to-EBIT is ranked higher than
88% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 20.38 vs. WRLD: 11.00 )
WRLD' s 10-Year EV-to-EBIT Range
Min: 3.7   Max: 15.2
Current: 11

3.7
15.2
PEG 0.43
WRLD's PEG is ranked higher than
96% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. WRLD: 0.43 )
WRLD' s 10-Year PEG Range
Min: 0.21   Max: 1.16
Current: 0.43

0.21
1.16
Shiller P/E 11.48
WRLD's Shiller P/E is ranked higher than
90% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 27.65 vs. WRLD: 11.48 )
WRLD' s 10-Year Shiller P/E Range
Min: 4.49   Max: 30.86
Current: 11.48

4.49
30.86

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.72
WRLD's Price/Tangible Book is ranked higher than
66% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 2.37 vs. WRLD: 2.72 )
WRLD' s 10-Year Price/Tangible Book Range
Min: 0.98   Max: 8.43
Current: 2.72

0.98
8.43
Price/DCF (Projected) 0.22
WRLD's Price/DCF (Projected) is ranked higher than
96% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. WRLD: 0.22 )
WRLD' s 10-Year Price/DCF (Projected) Range
Min: 0.16   Max: 0.72
Current: 0.22

0.16
0.72
Price/Median PS Value 0.73
WRLD's Price/Median PS Value is ranked higher than
91% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. WRLD: 0.73 )
WRLD' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 2.55
Current: 0.73

0.39
2.55
Price/Peter Lynch Fair Value 0.43
WRLD's Price/Peter Lynch Fair Value is ranked higher than
98% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. WRLD: 0.43 )
WRLD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26   Max: 1.05
Current: 0.43

0.26
1.05
Price/Graham Number 0.94
WRLD's Price/Graham Number is ranked higher than
80% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 1.32 vs. WRLD: 0.94 )
WRLD' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 2.51
Current: 0.94

0.46
2.51
Earnings Yield (Greenblatt) 9.10
WRLD's Earnings Yield (Greenblatt) is ranked higher than
88% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 vs. WRLD: 9.10 )
WRLD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.6   Max: 26.8
Current: 9.1

6.6
26.8
Forward Rate of Return (Yacktman) 38.92
WRLD's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 115 Companies
in the Global Credit Services industry.

( Industry Median: 13.13 vs. WRLD: 38.92 )
WRLD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 26.1   Max: 69.5
Current: 38.92

26.1
69.5

Analyst Estimate

Mar15
EPS($) 11.95
EPS without NRI($) 11.95

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:WOA.Germany, WRLD.Mexico,
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.
» More Articles for WRLD

Headlines

Articles On GuruFocus.com
Small cap high short interest (Predictability = 5), Part 1 Oct 16 2014 
WRLD: Potential Amid Political Correctness Sep 21 2014 
What to Expect With Ally Financial's Second Quarter Financials Jul 28 2014 
Three Stocks for the Value Investor, Growth Enthusiast and Insider Follower May 05 2014 
Stocks Near Their 52-Week Low (Part 1) Apr 04 2014 
The Most Undervalued Predictable Companies of December and Who Bought Them Dec 13 2013 
New Feature Announcement: Stocks With The Highest Short Interest Dec 12 2013 
Four Predictable, Undervalued Stocks Held by Billionaire Investors Sep 22 2013 
Whitney Tilson on Why He Is Short World Acceptance (WRLD) May 20 2013 
comment on WRLD Apr 16 2013 

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