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Also traded in: Germany, Mexico

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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.13
NAS:WRLD's Cash-to-Debt is ranked lower than
82% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NAS:WRLD: 0.13 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:WRLD' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.04 Max: 0.13
Current: 0.13
0.01
0.13
Equity-to-Asset 0.64
NAS:WRLD's Equity-to-Asset is ranked higher than
61% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. NAS:WRLD: 0.64 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:WRLD' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.27  Med: 0.49 Max: 0.66
Current: 0.64
0.27
0.66
Debt-to-Equity 0.45
NAS:WRLD's Debt-to-Equity is ranked higher than
70% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. NAS:WRLD: 0.45 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:WRLD' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.34  Med: 0.92 Max: 2.31
Current: 0.45
0.34
2.31
Debt-to-EBITDA 0.46
NAS:WRLD's Debt-to-EBITDA is ranked higher than
72% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. NAS:WRLD: 0.46 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAS:WRLD' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.46
Current: 0.46
0
0.46
Beneish M-Score: -3.31
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 : 3/10

vs
industry
vs
history
Net Margin % 10.14
NAS:WRLD's Net Margin % is ranked lower than
54% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. NAS:WRLD: 10.14 )
Ranked among companies with meaningful Net Margin % only.
NAS:WRLD' s Net Margin % Range Over the Past 10 Years
Min: 10.14  Med: 17.85 Max: 19.14
Current: 10.14
10.14
19.14
ROE % 10.91
NAS:WRLD's ROE % is ranked higher than
67% of the 436 Companies
in the Global Credit Services industry.

( Industry Median: 6.88 vs. NAS:WRLD: 10.91 )
Ranked among companies with meaningful ROE % only.
NAS:WRLD' s ROE % Range Over the Past 10 Years
Min: 10.71  Med: 22.75 Max: 35.58
Current: 10.91
10.71
35.58
ROA % 6.34
NAS:WRLD's ROA % is ranked higher than
77% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NAS:WRLD: 6.34 )
Ranked among companies with meaningful ROA % only.
NAS:WRLD' s ROA % Range Over the Past 10 Years
Min: 6.34  Med: 12.89 Max: 14.49
Current: 6.34
6.34
14.49
3-Year Revenue Growth Rate -2.10
NAS:WRLD's 3-Year Revenue Growth Rate is ranked lower than
58% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NAS:WRLD: -2.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:WRLD' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.1  Med: 15 Max: 22.8
Current: -2.1
-2.1
22.8
3-Year EPS without NRI Growth Rate -20.50
NAS:WRLD's 3-Year EPS without NRI Growth Rate is ranked lower than
66% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NAS:WRLD: -20.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:WRLD' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -20.5  Med: 20.35 Max: 65.8
Current: -20.5
-20.5
65.8
GuruFocus has detected 4 Warning Signs with World Acceptance Corp NAS:WRLD.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:WRLD's 30-Y Financials

Financials (Next Earnings Date: 2018-08-03)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2017

WRLD Guru Trades in Q2 2017

Paul Tudor Jones Sold Out
Jim Simons Sold Out
» More
Q3 2017

WRLD Guru Trades in Q3 2017

Jim Simons 25,425 sh (New)
Chuck Royce 144 sh (New)
» More
Q4 2017

WRLD Guru Trades in Q4 2017

Jim Simons 45,000 sh (+76.99%)
Chuck Royce 158 sh (+9.72%)
» More
Q1 2018

WRLD Guru Trades in Q1 2018

Jim Simons 99,925 sh (+122.06%)
Chuck Royce 113 sh (-28.48%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:WRLD

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6141
Compare:IST:ISFIN, NYSE:AGM, SGX:S41, BOM:532938, TSX:ECN, ISX:BFIN, NYSE:CURO, NYSE:ENVA, TSE:7172, XKLS:5139, HKSE:08469, BKK:THANI, OTCPK:YUANF, BOM:539844, TSE:8566, OSL:B2H, TSE:8584, MIL:BFF, LSE:IPF, OSTO:COLL » details
Traded in other countries:WOA.Germany, WRLD.Mexico,
Headquarter Location:USA
World Acceptance Corp is a small-loan consumer finance company. It provides short-term small loans, medium-term larger loans, related credit insurance products and ancillary products and services to individuals.

World Acceptance Corporation offers small, high interest-rate, short- and medium-term installment loans to individuals who often lack access to other sources of credit. Loan amounts are generally between $300 and $4,000 and mature in between six and 36 months. The company has more than 1,000 branches in the United States and roughly 150 branches in Mexico. Approximately 90% of revenue is generated from customers in the United States and consists of interest and fee income. The company also generates revenue by selling credit insurance and unemployment insurance.

Top Ranked Articles about World Acceptance Corp

World Acceptance Corporation Announces First Quarter 2019 Conference Call On The Internet
Detailed Research: Economic Perspectives on American Tower Corporation (REIT), Forest City Realty Trust, TC PipeLines, LP, World Acceptance, Chart Industries, and ATN International — What Drives Growth in Today's Competitive Landscape
World Acceptance Corporation Announces Fourth Quarter 2018 Conference Call On The Internet
Report: Exploring Fundamental Drivers Behind US Foods Holding, Tahoe Resources, Corporate Office Properties Trust, World Acceptance, Northern Trust, and Retail Properties of America — New Horizons, Emerging Trends, and Upcoming Developments
Report: Developing Opportunities within FactSet Research, Dun & Bradstreet, Web.com Group, World Acceptance, Badger Meter, and CSG Systems International — Future Expectations, Projections Moving into 2018
World Acceptance Corporation Announces Third Quarter 2018 Conference Call On The Internet
Lifshitz & Miller LLP Announces Investigation of Manitex International, Inc., Novan, Inc., Ocera Therapeutics, Inc., Planet Payment, Inc., RE/MAX Holdings, Inc., Super Micro Computer, Inc. and World Acceptance Corporation
ACT NOW: Monteverde & Associates PC Announces an Investigation of World Acceptance Corporation - WRLD
WORLD ACCEPTANCE INVESTOR ALERT: Faruqi & Faruqi, LLP Encourages Investors Who Suffered Losses Exceeding $50,000 Investing In World Acceptance Corporation To Contact The Firm
SHAREHOLDER ALERT: Bronstein, Gewirtz & Grossman, LLC Announces Investigation of World Acceptance Corporation (WRLD)

Ratios

vs
industry
vs
history
PE Ratio 20.61
WRLD's PE Ratio is ranked lower than
54% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 16.14 vs. WRLD: 20.61 )
Ranked among companies with meaningful PE Ratio only.
WRLD' s PE Ratio Range Over the Past 10 Years
Min: 2.19  Med: 9.18 Max: 20.73
Current: 20.61
2.19
20.73
PE Ratio without NRI 20.61
WRLD's PE Ratio without NRI is ranked lower than
54% of the 339 Companies
in the Global Credit Services industry.

( Industry Median: 16.11 vs. WRLD: 20.61 )
Ranked among companies with meaningful PE Ratio without NRI only.
WRLD' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.19  Med: 9.18 Max: 20.73
Current: 20.61
2.19
20.73
Price-to-Owner-Earnings 15.83
WRLD's Price-to-Owner-Earnings is ranked lower than
56% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 14.62 vs. WRLD: 15.83 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WRLD' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.33  Med: 9 Max: 17.41
Current: 15.83
2.33
17.41
PB Ratio 2.12
WRLD's PB Ratio is ranked lower than
68% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. WRLD: 2.12 )
Ranked among companies with meaningful PB Ratio only.
WRLD' s PB Ratio Range Over the Past 10 Years
Min: 0.61  Med: 2.02 Max: 3.37
Current: 2.12
0.61
3.37
PS Ratio 2.13
WRLD's PS Ratio is ranked higher than
71% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. WRLD: 2.13 )
Ranked among companies with meaningful PS Ratio only.
WRLD' s PS Ratio Range Over the Past 10 Years
Min: 0.42  Med: 1.5 Max: 2.31
Current: 2.13
0.42
2.31
Price-to-Free-Cash-Flow 5.37
WRLD's Price-to-Free-Cash-Flow is ranked higher than
64% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. WRLD: 5.37 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WRLD' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.19  Med: 3.7 Max: 6.04
Current: 5.37
1.19
6.04
Price-to-Operating-Cash-Flow 5.08
WRLD's Price-to-Operating-Cash-Flow is ranked higher than
65% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 7.24 vs. WRLD: 5.08 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WRLD' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.14  Med: 3.52 Max: 5.62
Current: 5.08
1.14
5.62
EV-to-Revenue 2.57
WRLD's EV-to-Revenue is ranked higher than
75% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. WRLD: 2.57 )
Ranked among companies with meaningful EV-to-Revenue only.
WRLD' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.7  Med: 2.2 Max: 2.9
Current: 2.57
0.7
2.9
Shiller PE Ratio 15.44
WRLD's Shiller PE Ratio is ranked higher than
62% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 17.29 vs. WRLD: 15.44 )
Ranked among companies with meaningful Shiller PE Ratio only.
WRLD' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.16  Med: 15.14 Max: 26.51
Current: 15.44
4.16
26.51

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.40
WRLD's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: -3.70 vs. WRLD: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WRLD' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -7.8  Med: 2.3 Max: 13.6
Current: -0.4
-7.8
13.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.13
WRLD's Price-to-Tangible-Book is ranked lower than
66% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. WRLD: 2.13 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WRLD' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.87  Med: 2.38 Max: 138.75
Current: 2.13
0.87
138.75
Price-to-Intrinsic-Value-Projected-FCF 0.44
WRLD's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
83% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. WRLD: 0.44 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WRLD' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.09  Med: 0.36 Max: 1.92
Current: 0.44
0.09
1.92
Price-to-Median-PS-Value 1.40
WRLD's Price-to-Median-PS-Value is ranked lower than
67% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. WRLD: 1.40 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WRLD' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.41  Med: 1.14 Max: 2.43
Current: 1.4
0.41
2.43
Price-to-Graham-Number 1.40
WRLD's Price-to-Graham-Number is ranked lower than
57% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. WRLD: 1.40 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WRLD' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.38  Med: 1.18 Max: 15.14
Current: 1.4
0.38
15.14

More Statistics

Revenue (TTM) (Mil) $529.62
EPS (TTM) $ 6.00
Beta3.66
Volatility49.52%
52-Week Range $71.02 - 125.13
Shares Outstanding (Mil)9.14

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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