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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.04
WRLD's Cash to Debt is ranked lower than
88% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 209.25 vs. WRLD: 0.04 )
Ranked among companies with meaningful Cash to Debt only.
WRLD' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.03 Max: 0.06
Current: 0.04
0.02
0.06
Equity to Asset 0.36
WRLD's Equity to Asset is ranked higher than
50% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. WRLD: 0.36 )
Ranked among companies with meaningful Equity to Asset only.
WRLD' s 10-Year Equity to Asset Range
Min: 0.36  Med: 0.51 Max: 0.66
Current: 0.36
0.36
0.66
Interest Coverage 7.55
WRLD's Interest Coverage is ranked lower than
59% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 32.80 vs. WRLD: 7.55 )
Ranked among companies with meaningful Interest Coverage only.
WRLD' s 10-Year Interest Coverage Range
Min: 1.98  Med: 7.78 Max: 11.61
Current: 7.55
1.98
11.61
F-Score: 5
WACC vs ROIC
4.83%
8.12%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 29.99
WRLD's Operating margin (%) is ranked higher than
65% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 20.61 vs. WRLD: 29.99 )
Ranked among companies with meaningful Operating margin (%) only.
WRLD' s 10-Year Operating margin (%) Range
Min: 12.63  Med: 26.00 Max: 30.38
Current: 29.99
12.63
30.38
Net-margin (%) 18.88
WRLD's Net-margin (%) is ranked higher than
54% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 15.86 vs. WRLD: 18.88 )
Ranked among companies with meaningful Net-margin (%) only.
WRLD' s 10-Year Net-margin (%) Range
Min: 8.46  Med: 16.14 Max: 19.14
Current: 18.88
8.46
19.14
ROE (%) 36.61
WRLD's ROE (%) is ranked higher than
94% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 8.14 vs. WRLD: 36.61 )
Ranked among companies with meaningful ROE (%) only.
WRLD' s 10-Year ROE (%) Range
Min: 14.31  Med: 21.29 Max: 35.58
Current: 36.61
14.31
35.58
ROA (%) 12.53
WRLD's ROA (%) is ranked higher than
91% of the 268 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. WRLD: 12.53 )
Ranked among companies with meaningful ROA (%) only.
WRLD' s 10-Year ROA (%) Range
Min: 5.8  Med: 11.81 Max: 14.49
Current: 12.53
5.8
14.49
ROC (Joel Greenblatt) (%) 32.25
WRLD's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 16.18 vs. WRLD: 32.25 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
WRLD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 35.22  Med: 365.22 Max: 608.84
Current: 32.25
35.22
608.84
Revenue Growth (3Y)(%) 22.30
WRLD's Revenue Growth (3Y)(%) is ranked higher than
77% of the 196 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. WRLD: 22.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WRLD' s 10-Year Revenue Growth (3Y)(%) Range
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
79% of the 163 Companies
in the Global Credit Services industry.

( Industry Median: -4.00 vs. WRLD: 21.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WRLD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -7.8  Med: 20.00 Max: 34.5
Current: 21.4
-7.8
34.5
EPS Growth (3Y)(%) 21.80
WRLD's EPS Growth (3Y)(%) is ranked higher than
72% of the 167 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. WRLD: 21.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WRLD' s 10-Year EPS Growth (3Y)(%) Range
Min: -8.1  Med: 20.60 Max: 38.1
Current: 21.8
-8.1
38.1
» WRLD's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

WRLD Guru Trades in Q4 2014

Chuck Royce 400 sh (New)
Columbia Wanger 1,108,107 sh (unchged)
Paul Tudor Jones Sold Out
Columbia Wanger 1,108,107 sh (-0.30%)
Jim Simons 10,100 sh (-30.46%)
» More
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
» 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

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) 5.20
WRLD's P/E(ttm) is ranked higher than
91% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 15.40 vs. WRLD: 5.20 )
Ranked among companies with meaningful P/E(ttm) only.
WRLD' s 10-Year P/E(ttm) Range
Min: 3.22  Med: 10.53 Max: 21.66
Current: 5.2
3.22
21.66
Forward P/E 5.77
WRLD's Forward P/E is ranked higher than
89% of the 65 Companies
in the Global Credit Services industry.

( Industry Median: 11.07 vs. WRLD: 5.77 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 5.20
WRLD's PE(NRI) is ranked higher than
92% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 15.90 vs. WRLD: 5.20 )
Ranked among companies with meaningful PE(NRI) only.
WRLD' s 10-Year PE(NRI) Range
Min: 3.23  Med: 10.53 Max: 21.65
Current: 5.2
3.23
21.65
P/B 1.74
WRLD's P/B is ranked lower than
67% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. WRLD: 1.74 )
Ranked among companies with meaningful P/B only.
WRLD' s 10-Year P/B Range
Min: 0.61  Med: 2.43 Max: 4.36
Current: 1.74
0.61
4.36
P/S 0.98
WRLD's P/S is ranked higher than
83% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 3.35 vs. WRLD: 0.98 )
Ranked among companies with meaningful P/S only.
WRLD' s 10-Year P/S Range
Min: 0.49  Med: 1.89 Max: 3.66
Current: 0.98
0.49
3.66
PFCF 2.49
WRLD's PFCF is ranked higher than
81% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 9.12 vs. WRLD: 2.49 )
Ranked among companies with meaningful PFCF only.
WRLD' s 10-Year PFCF Range
Min: 1.29  Med: 4.78 Max: 10.04
Current: 2.49
1.29
10.04
POCF 2.39
WRLD's POCF is ranked higher than
83% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 8.21 vs. WRLD: 2.39 )
Ranked among companies with meaningful POCF only.
WRLD' s 10-Year POCF Range
Min: 1.2  Med: 4.57 Max: 9.28
Current: 2.39
1.2
9.28
EV-to-EBIT 8.60
WRLD's EV-to-EBIT is ranked higher than
83% of the 195 Companies
in the Global Credit Services industry.

( Industry Median: 18.93 vs. WRLD: 8.60 )
Ranked among companies with meaningful EV-to-EBIT only.
WRLD' s 10-Year EV-to-EBIT Range
Min: 3.7  Med: 10.70 Max: 15.2
Current: 8.6
3.7
15.2
PEG 0.25
WRLD's PEG is ranked higher than
84% of the 57 Companies
in the Global Credit Services industry.

( Industry Median: 0.69 vs. WRLD: 0.25 )
Ranked among companies with meaningful PEG only.
WRLD' s 10-Year PEG Range
Min: 0.21  Med: 0.49 Max: 1.16
Current: 0.25
0.21
1.16
Shiller P/E 7.74
WRLD's Shiller P/E is ranked higher than
78% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 13.64 vs. WRLD: 7.74 )
Ranked among companies with meaningful Shiller P/E only.
WRLD' s 10-Year Shiller P/E Range
Min: 4.47  Med: 15.26 Max: 31.06
Current: 7.74
4.47
31.06

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.79
WRLD's Price/Tangible Book is ranked lower than
65% of the 240 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. WRLD: 1.79 )
Ranked among companies with meaningful Price/Tangible Book only.
WRLD' s 10-Year Price/Tangible Book Range
Min: 0.98  Med: 2.42 Max: 5.76
Current: 1.79
0.98
5.76
Price/Projected FCF 0.16
WRLD's Price/Projected FCF is ranked higher than
93% of the 75 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. WRLD: 0.16 )
Ranked among companies with meaningful Price/Projected FCF only.
WRLD' s 10-Year Price/Projected FCF Range
Min: 0.16  Med: 0.34 Max: 0.57
Current: 0.16
0.16
0.57
Price/DCF (Earnings Based) 0.18
WRLD's Price/DCF (Earnings Based) is ranked higher than
67% of the 3 Companies
in the Global Credit Services industry.

( Industry Median: 0.18 vs. WRLD: 0.18 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.52
WRLD's Price/Median PS Value is ranked higher than
85% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. WRLD: 0.52 )
Ranked among companies with meaningful Price/Median PS Value only.
WRLD' s 10-Year Price/Median PS Value Range
Min: 0.39  Med: 0.87 Max: 1.93
Current: 0.52
0.39
1.93
Price/Peter Lynch Fair Value 0.27
WRLD's Price/Peter Lynch Fair Value is ranked higher than
97% of the 31 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. WRLD: 0.27 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WRLD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.29  Med: 0.43 Max: 0.8
Current: 0.27
0.29
0.8
Price/Graham Number 0.63
WRLD's Price/Graham Number is ranked higher than
74% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. WRLD: 0.63 )
Ranked among companies with meaningful Price/Graham Number only.
WRLD' s 10-Year Price/Graham Number Range
Min: 0.46  Med: 1.08 Max: 2.36
Current: 0.63
0.46
2.36
Earnings Yield (Greenblatt) (%) 11.60
WRLD's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. WRLD: 11.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WRLD' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.6  Med: 9.40 Max: 26.8
Current: 11.6
6.6
26.8
Forward Rate of Return (Yacktman) (%) 48.35
WRLD's Forward Rate of Return (Yacktman) (%) is ranked higher than
96% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 0.61 vs. WRLD: 48.35 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WRLD' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 26.1  Med: 37.00 Max: 69.5
Current: 48.35
26.1
69.5

Business Description

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

Headlines

Articles On GuruFocus.com
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 
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 

More From Other Websites
My Added Due Diligence On World Acceptance - SeekingAlpha Jul 06 2015
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