Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
87.82 (1y: +27%)
Market Cap 1.11 B P/E(ttm) 11.20
Enterprise Value 1.6 B P/B
WRLD- NAS (USA)
World Acceptance Corporation
  • Currently 5/5
Business Predictability Rank: 5-Star
Back Testing Results:
Average gain of all 5-Star stocks: 12.1% per year.
% of Stocks that are in still loss if held for 10yrs: 3%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$87.82
Switch to:

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 : 7/10

vs
industry		 vs
history
Cash to Debt No Debt
WRLD's Cash to Debt is ranked lower than
71% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.14 vs. WRLD: No Debt )
WRLD' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: No Debt
Interest Coverage No Debt
WRLD's Interest Coverage is ranked higher than
57% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 10000.00 vs. WRLD: No Debt )
WRLD' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 4.88
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 (%) 30.00
WRLD's Operating margin (%) is ranked lower than
51% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 28.70 vs. WRLD: 30.00 )
WRLD' s 10-Year Operating margin (%) Range
Min: 21.6   Max: 30.4
Current: 30
21.6
30.4
Net-margin (%) 18.7
WRLD's Net-margin (%) is ranked lower than
53% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 18.90 vs. WRLD: 18.7 )
WRLD' s 10-Year Net-margin (%) Range
Min: 13.9   Max: 19.1
Current: 18.7
13.9
19.1
Revenue Growth (%) 11.8
WRLD's Revenue Growth (%) is ranked higher than
85% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 1.90 vs. WRLD: 11.8 )
WRLD' s 10-Year Revenue Growth (%) Range
Min: 10.3   Max: 17.1
Current: 11.8
10.3
17.1
EBITDA Growth (%) 13.1
WRLD's EBITDA Growth (%) is ranked higher than
84% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. WRLD: 13.1 )
WRLD' s 10-Year EBITDA Growth (%) Range
Min: 12.6   Max: 16.3
Current: 13.1
12.6
16.3
EPS Growth (%) 14.1
WRLD's EPS Growth (%) is ranked higher than
81% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.00 vs. WRLD: 14.1 )
WRLD' s 10-Year EPS Growth (%) Range
Min: 12.7   Max: 16.6
Current: 14.1
12.7
16.6
» WRLD's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

WRLD Guru Trades in Q2 2012

Steven Cohen 4,500 sh (+18.42%)
Chuck Royce 95,000 sh (unchged)
Paul Tudor Jones Sold Out
Columbia Wanger 2,018,502 sh (-2.17%)
Jim Simons 285,725 sh (-22.29%)
John Hussman 210,000 sh (-39.13%)
» More
Q3 2012

WRLD Guru Trades in Q3 2012

Paul Tudor Jones 6,800 sh (New)
Steven Cohen Sold Out
Jim Simons Sold Out
John Hussman 190,000 sh (-9.52%)
Columbia Wanger 1,824,000 sh (-9.64%)
Chuck Royce 53,000 sh (-44.21%)
» More
Q4 2012

WRLD Guru Trades in Q4 2012

John Hussman 190,000 sh (unchged)
Jeremy Grantham 5,415 sh (unchged)
Paul Tudor Jones Sold Out
Columbia Wanger 1,806,500 sh (-0.96%)
Chuck Royce 3,000 sh (-94.34%)
» More
Q1 2013

WRLD Guru Trades in Q1 2013

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

Insider Trades

Latest Guru Trades with WRLD

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2012-06-30 Reduce -39.13%0.16%$57.31 - $70.58 $ 87.8235%210000
John Hussman 2011-09-30 Add 245%0.22%$56.66 - $68.53 $ 87.8238%345000
John Hussman 2011-03-31 New Buy0.11%$52.34 - $65.1 $ 87.8249%100000
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 11.20
WRLD's P/E(ttm) is ranked higher than
66% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 11.30 vs. WRLD: 11.20 )
WRLD' s 10-Year P/E(ttm) Range
Min: 3.04   Max: 21.74
Current: 11.2
3.04
21.74
P/S 2.18
WRLD's P/S is ranked higher than
60% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 2.29 vs. WRLD: 2.18 )
WRLD' s 10-Year P/S Range
Min: 0.48   Max: 3.66
Current: 2.18
0.48
3.66
PFCF 8.00
WRLD's PFCF is ranked higher than
60% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 6.12 vs. WRLD: 8.00 )
WRLD' s 10-Year PFCF Range
Min: 1.3   Max: 9.28
Current: 8
1.3
9.28
EV-to-EBIT 9.4
WRLD's EV-to-EBIT is ranked higher than
81% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. WRLD: 9.4 )
WRLD' s 10-Year EV-to-EBIT Range
Min: 3   Max: 15.2
Current: 9.4
3
15.2
PEG 0.6
WRLD's PEG is ranked higher than
93% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.55 vs. WRLD: 0.6 )
WRLD' s 10-Year PEG Range
Min: 0.15   Max: 1.16
Current: 0.6
0.15
1.16
Shiller P/E 15.8
WRLD's Shiller P/E is ranked higher than
69% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 10.04 vs. WRLD: 15.8 )
WRLD' s 10-Year Shiller P/E Range
Min: 4.43   Max: 30.86
Current: 15.8
4.43
30.86

Valuation & Return

vs
industry		 vs
history
Price/DCF (Projected) 0.4
WRLD's Price/DCF (Projected) is ranked higher than
69% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.50 vs. WRLD: 0.4 )
WRLD' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.5
Current: 0.4
0.2
0.5
Price/Median PS Value 1.1
WRLD's Price/Median PS Value is ranked higher than
50% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. WRLD: 1.1 )
WRLD' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.4
Current: 1.1
0.4
1.4
Price/Peter Lynch Fair Value 0.5
WRLD's Price/Peter Lynch Fair Value is ranked higher than
88% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. WRLD: 0.5 )
WRLD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.2   Max: 0.8
Current: 0.5
0.2
0.8
Earnings Yield (Greenblatt) 10.60
WRLD's Earnings Yield (Greenblatt) is ranked higher than
81% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 8.45 vs. WRLD: 10.60 )
WRLD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.6   Max: 33.7
Current: 10.6
6.6
33.7
Forward Rate of Return (Yacktman) 33.15
WRLD's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 68 Companies
in the Global Credit Services industry.

( Industry Median: 19.78 vs. WRLD: 33.15 )
WRLD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 25.8   Max: 70.7
Current: 33.15
25.8
70.7

Business Description

World Acceptance Corporation is a South Carolina corporation. The Company is engaged in the small-loan consumer finance business, offering short-term small loans, medium-term larger loans, related credit insurance and ancillary products and services to individuals. The Company generally offers standardized installment loans through offices in South Carolina, Georgia, Texas, Oklahoma, Louisiana, Tennessee, Illinois, Missouri, New Mexico, Kentucky, Alabama and Mexico. It generally serves individuals with limited access to consumer credit from banks, savings and loans, other consumer finance businesses and credit card lenders. In each state in which it operates and in Mexico, the Company offers consumer installment loans that are standardized by amount and maturity in an effort to reduce documentation and related processing costs. The Company seeks to provide short-term loans to the segment of the population that has limited access to other sources of credit. In Georgia, Louisiana, South Carolina, Kentucky, and on a limited basis, Alabama, New Mexico, Oklahoma, and Tennessee, the Company sells credit insurance to customers in connection with its loans as an agent for an unaffiliated insurance company. The Company's loan operations are organized into Southern, Central, and Western Divisions, and Mexico. Small-loan consumer finance companies are subject to extensive regulation, supervision and licensing under various federal and state statutes, ordinances and regulations.
Company Website
SEC Reports
Industry: Credit Services
Compare:V, MA, TCAP, DFS, COF
» More Articles for WRLD

Headlines

Articles On GuruFocus.com
Whitney Tilson on Why He Is Short World Acceptance (WRLD) May 20 2013 
Five Growth Stocks at Reasonable Prices Feb 18 2013 
The Newly Rebalanced Buffett-Munger Portfolio Jan 02 2013 
Buffett-Munger Model Portfolio Posts Fourth Solid Year, Hits Refresh for 2013 Dec 14 2012 
Buffett-Munger Strategy: What Worked? What Didn’t Oct 19 2012 
Buffett-Munger Model Portfolio Outperforms Again - June Model Portfolio Performance Update Jun 05 2012 
Focusing on Predictable Companies, Value Strategies Continue to Outperform. Apr 02 2012 
If I Had to Pick Growth Stocks... Mar 15 2012 
Monthly Model Portfolio Performance Update Mar 01 2012 
What Is the Buffett/Munger Bargains Newsletter? Feb 23 2012 

More From Our Partners
Market Wrap for Tuesday, May 14: Stocks Rally to New Highs May 14 2013 - BENZINGA

Personalized Checklist





Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names
Free 7-day Trial