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 : 5/10

vs
industry
vs
history
Cash to Debt 0.02
WRLD's Cash to Debt is ranked lower than
90% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 8.67 vs. WRLD: 0.02 )
Ranked among companies with meaningful Cash to Debt only.
WRLD' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.03 Max: 0.06
Current: 0.02
0.01
0.06
Equity to Asset 0.39
WRLD's Equity to Asset is ranked higher than
54% of the 182 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. WRLD: 0.39 )
Ranked among companies with meaningful Equity to Asset only.
WRLD' s 10-Year Equity to Asset Range
Min: 0.31  Med: 0.46 Max: 0.66
Current: 0.39
0.31
0.66
Interest Coverage 7.55
WRLD's Interest Coverage is ranked lower than
56% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 14.04 vs. WRLD: 7.55 )
Ranked among companies with meaningful Interest Coverage only.
WRLD' s 10-Year Interest Coverage Range
Min: 1.98  Med: 8.01 Max: 11.61
Current: 7.55
1.98
11.61
F-Score: 6
WACC vs ROIC
3.64%
8.21%
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 (%) 30.99
WRLD's Operating margin (%) is ranked higher than
65% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. WRLD: 30.99 )
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: 30.99
12.63
30.38
Net-margin (%) 19.50
WRLD's Net-margin (%) is ranked higher than
56% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 16.58 vs. WRLD: 19.50 )
Ranked among companies with meaningful Net-margin (%) only.
WRLD' s 10-Year Net-margin (%) Range
Min: 8.46  Med: 16.15 Max: 19.14
Current: 19.5
8.46
19.14
ROE (%) 36.27
WRLD's ROE (%) is ranked higher than
92% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.38 vs. WRLD: 36.27 )
Ranked among companies with meaningful ROE (%) only.
WRLD' s 10-Year ROE (%) Range
Min: 14.31  Med: 21.69 Max: 35.58
Current: 36.27
14.31
35.58
ROA (%) 12.59
WRLD's ROA (%) is ranked higher than
88% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. WRLD: 12.59 )
Ranked among companies with meaningful ROA (%) only.
WRLD' s 10-Year ROA (%) Range
Min: 5.8  Med: 11.99 Max: 14.49
Current: 12.59
5.8
14.49
Revenue Growth (3Y)(%) 22.30
WRLD's Revenue Growth (3Y)(%) is ranked higher than
77% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. WRLD: 22.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WRLD' s 10-Year Revenue Growth (3Y)(%) Range
Min: 13.1  Med: 15.80 Max: 23.5
Current: 22.3
13.1
23.5
EBITDA Growth (3Y)(%) 21.40
WRLD's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 169 Companies
in the Global Credit Services industry.

( Industry Median: -3.00 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: 19.70 Max: 34.5
Current: 21.4
-7.8
34.5
EPS Growth (3Y)(%) 21.80
WRLD's EPS Growth (3Y)(%) is ranked higher than
73% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 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: 21.00 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

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
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
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» 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) 3.00
WRLD's P/E(ttm) is ranked higher than
97% of the 211 Companies
in the Global Credit Services industry.

( Industry Median: 14.50 vs. WRLD: 3.00 )
Ranked among companies with meaningful P/E(ttm) only.
WRLD' s 10-Year P/E(ttm) Range
Min: 2.73  Med: 10.49 Max: 21.66
Current: 3
2.73
21.66
Forward P/E 3.41
WRLD's Forward P/E is ranked higher than
96% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 11.22 vs. WRLD: 3.41 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 3.00
WRLD's PE(NRI) is ranked higher than
97% of the 212 Companies
in the Global Credit Services industry.

( Industry Median: 15.00 vs. WRLD: 3.00 )
Ranked among companies with meaningful PE(NRI) only.
WRLD' s 10-Year PE(NRI) Range
Min: 2.73  Med: 10.48 Max: 21.65
Current: 3
2.73
21.65
P/B 0.97
WRLD's P/B is ranked higher than
57% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. WRLD: 0.97 )
Ranked among companies with meaningful P/B only.
WRLD' s 10-Year P/B Range
Min: 0.61  Med: 2.41 Max: 4.37
Current: 0.97
0.61
4.37
P/S 0.58
WRLD's P/S is ranked higher than
92% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. WRLD: 0.58 )
Ranked among companies with meaningful P/S only.
WRLD' s 10-Year P/S Range
Min: 0.49  Med: 1.88 Max: 3.66
Current: 0.58
0.49
3.66
PFCF 1.58
WRLD's PFCF is ranked higher than
90% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 8.95 vs. WRLD: 1.58 )
Ranked among companies with meaningful PFCF only.
WRLD' s 10-Year PFCF Range
Min: 1.29  Med: 4.76 Max: 10.04
Current: 1.58
1.29
10.04
POCF 1.52
WRLD's POCF is ranked higher than
91% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 8.39 vs. WRLD: 1.52 )
Ranked among companies with meaningful POCF only.
WRLD' s 10-Year POCF Range
Min: 1.2  Med: 4.55 Max: 9.28
Current: 1.52
1.2
9.28
EV-to-EBIT 7.25
WRLD's EV-to-EBIT is ranked higher than
84% of the 208 Companies
in the Global Credit Services industry.

( Industry Median: 18.77 vs. WRLD: 7.25 )
Ranked among companies with meaningful EV-to-EBIT only.
WRLD' s 10-Year EV-to-EBIT Range
Min: 3.7  Med: 10.60 Max: 15.2
Current: 7.25
3.7
15.2
PEG 0.15
WRLD's PEG is ranked higher than
98% of the 61 Companies
in the Global Credit Services industry.

( Industry Median: 0.75 vs. WRLD: 0.15 )
Ranked among companies with meaningful PEG only.
WRLD' s 10-Year PEG Range
Min: 0.14  Med: 0.48 Max: 1.16
Current: 0.15
0.14
1.16
Shiller P/E 4.41
WRLD's Shiller P/E is ranked higher than
90% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 12.89 vs. WRLD: 4.41 )
Ranked among companies with meaningful Shiller P/E only.
WRLD' s 10-Year Shiller P/E Range
Min: 4.06  Med: 15.16 Max: 30.86
Current: 4.41
4.06
30.86

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.00
WRLD's Price/Tangible Book is ranked higher than
58% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.12 vs. WRLD: 1.00 )
Ranked among companies with meaningful Price/Tangible Book only.
WRLD' s 10-Year Price/Tangible Book Range
Min: 0.98  Med: 2.46 Max: 8.43
Current: 1
0.98
8.43
Price/Projected FCF 0.10
WRLD's Price/Projected FCF is ranked higher than
95% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. WRLD: 0.10 )
Ranked among companies with meaningful Price/Projected FCF only.
WRLD' s 10-Year Price/Projected FCF Range
Min: 0.16  Med: 0.34 Max: 0.72
Current: 0.1
0.16
0.72
Price/DCF (Earnings Based) 0.10
WRLD's Price/DCF (Earnings Based) is ranked higher than
75% of the 4 Companies
in the Global Credit Services industry.

( Industry Median: 0.49 vs. WRLD: 0.10 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 0.31
WRLD's Price/Median PS Value is ranked higher than
91% of the 228 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. WRLD: 0.31 )
Ranked among companies with meaningful Price/Median PS Value only.
WRLD' s 10-Year Price/Median PS Value Range
Min: 0.39  Med: 0.89 Max: 2.55
Current: 0.31
0.39
2.55
Price/Peter Lynch Fair Value 0.15
WRLD's Price/Peter Lynch Fair Value is ranked higher than
97% of the 31 Companies
in the Global Credit Services industry.

( Industry Median: 0.68 vs. WRLD: 0.15 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
WRLD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.25  Med: 0.46 Max: 1.05
Current: 0.15
0.25
1.05
Price/Graham Number 0.36
WRLD's Price/Graham Number is ranked higher than
92% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. WRLD: 0.36 )
Ranked among companies with meaningful Price/Graham Number only.
WRLD' s 10-Year Price/Graham Number Range
Min: 0.46  Med: 1.04 Max: 1.95
Current: 0.36
0.46
1.95
Earnings Yield (Greenblatt) (%) 13.80
WRLD's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. WRLD: 13.80 )
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: 13.8
6.6
26.8
Forward Rate of Return (Yacktman) (%) 69.94
WRLD's Forward Rate of Return (Yacktman) (%) is ranked higher than
97% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.14 vs. WRLD: 69.94 )
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: 37.20 Max: 74.2
Current: 69.94
26.1
74.2

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
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 
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 

More From Other Websites
World Acceptance Corp. Earnings Q1, 2015 Aug 28 2015
Expert On World Acceptance's Undisclosed SEC Investigation: 'This Is Not Going To End Well' Aug 25 2015
These Stocks May Face Potential SEC Headwinds In The Future Aug 13 2015
SHAREHOLDER NOTIFICATION: Faruqi & Faruqi, LLP Encourages Investors Who Suffered Losses In Excess Of... Aug 13 2015
This Payday Lender Is Being Investigated by the CFPB, and its Stock Got Crushed Aug 12 2015
WRLD SHAREHOLDER ALERT: The Law Firm of Levi & Korsinsky, LLP Launches an Investigation into... Aug 12 2015
WORLD ACCEPTANCE INVESTIGATION INITIATED BY FORMER LOUISIANA ATTORNEY GENERAL: Kahn Swick & Foti,... Aug 11 2015
Correction: World Acceptance-CFPB Investigation story Aug 11 2015
Correction: World Acceptance-CFPB Investigation story Aug 11 2015
Mid-Day Market Update: Dow Tumbles Over 200 Points; Crude Oil Slides 4% Aug 11 2015
Bernstein Liebhard LLP Investigates Claims On Behalf Of Those Who Invested In World Acceptance,... Aug 11 2015
Mid-Morning Market Update: Markets Tumble; Google Creates 'Alphabet,' A New Umbrella Company Aug 11 2015
World Acceptance falls as CFPB expects to bring charges Aug 10 2015
World Acceptance falls as CFPB expects to bring charges Aug 10 2015
World Acceptance Corp. plunges on possible CFPB action Aug 10 2015
WORLD ACCEPTANCE CORP Files SEC form 8-K, Other Events Aug 10 2015
WORLD ACCEPTANCE CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Aug 06 2015
WORLD ACCEPTANCE CORP Financials Aug 06 2015
5 Stocks Insiders Love Right Now Aug 05 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK