Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
World AcceptanceWRLD +3.73%64 EV-to-OCF is 5.82 as of Aug. 17, 2026, which is 11% above its 10-year median of 5.26. GuruFocus rates WRLD with a GF Score™ of 64/100 and a GF Value™ of $169.20 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 546 Credit Services companies, World Acceptance ranks worse than 63.92% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, World Acceptance's Enterprise Value is $1,546.5 Mil.
World Acceptance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $265.6 Mil. Therefore, World Acceptance's EV-to-OCF for today is 5.82.
The historical rank and industry rank for World Acceptance's EV-to-OCF or its related term are showing as below:
WRLD'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.09 Med: 5.26 Max: 8.98
Current: 5.82
During the past 13 years, the highest EV-to-OCF of World Acceptance was 8.98. The lowest was 3.09. And the median was 5.26.
WRLD's EV-to-OCF is ranked worse than 63.92% of 546
companies
in the Credit Services industry
Industry Median: -0.625
vs WRLD: 5.82
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
World Acceptance's PE Ratio (TTM) for today is calculated as:
World Acceptance's share price for today is $194.90.
World Acceptance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.441.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
World Acceptance EV-to-OCF Related Terms
World Acceptance EV-to-OCF Historical Data
* Premium members only.
The historical data trend for World Acceptance's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, World Acceptance's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
World Acceptance EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, World Acceptance's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where World Acceptance's EV-to-OCF falls into.
World Acceptance's current Enterprise Value is $1,546.5 Mil.
World Acceptance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $265.6 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
World Acceptance (WRLD) has a EV-to-OCF of 5.82 as of Aug. 17, 2026. This is 11% above median its historical median of 5.26. Over the past decade, World Acceptance's EV-to-OCF has ranged from 3.09 to 8.98. According to the industry distribution chart, World Acceptance ranks #349 out of 546 companies in the Credit Services industry, placing it in the top 63.9%.
Is World Acceptance's EV-to-OCF too high?
World Acceptance's current EV-to-OCF of 5.82 is 11% above median its 10-year median of 5.26. Over the past 10 years, this metric has ranged from a low of 3.09 to a high of 8.98. Based on the distribution chart, World Acceptance ranks #349 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, World Acceptance has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does World Acceptance's EV-to-OCF compare to FINV and NAVI?
According to the Credit Services industry distribution chart, World Acceptance ranks #349 out of 546 companies for EV-to-OCF. This places World Acceptance in the lower half of its industry. Historically, World Acceptance's own EV-to-OCF has ranged from 3.09 to 8.98 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. World Acceptance's current EV-to-OCF is 5.82, which is 11% above median its own 10-year median of 5.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is World Acceptance stock overvalued right now?
Based on GuruFocus' analysis, World Acceptance (WRLD) is currently considered Modestly Overvalued. The stock's GF Value™ is $169.20, compared to a current price of $194.90 — trading 15.2% above its estimated fair value. The current EV-to-OCF is 5.82, which is 11% above median its 10-year median of 5.26. World Acceptance's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For World Acceptance (WRLD), the current EV-to-OCF is 5.82 as of Aug. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is World Acceptance (WRLD) Overvalued in 2026?
Based on GuruFocus' analysis, World Acceptance stock appears to be overvalued.
The current stock price of $194.90 is trading 15.2% above its estimated GF Value™ of $169.20.
GuruFocus considers World Acceptance to be Modestly Overvalued.
Key valuation signals for WRLD:
EV-to-OCF: 5.82 (11% above median its 10-year median of 5.26)
GF Value™: $169.20 vs. price of $194.90 (15.2% above fair value)
No single metric tells the full story. See the WRLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
World Acceptance Corp operates a small-loan consumer finance (installment loan) business. It offers short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. The Company 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. The Company also offers income tax return preparation services to its loan customers and other individuals. The traditional installment loan industry is a fragmented segment of the consumer lending industry. The Company has one reportable segment: the consumer finance segment.
64GF Score
Get the complete analysis for WRLD
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WRLD has been successfully added to your 
