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World AcceptanceWRLD -1.14%65 Equity-to-Asset is 0.34 as of Jun. 2026, which is 15% below its 10-year median of 0.40. GuruFocus rates WRLD with a GF Score™ of 65/100 and a GF Value™ of $170.42 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 551 Credit Services companies, World Acceptance ranks worse than 54.08% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. World Acceptance's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $362.2 Mil. World Acceptance's Total Assets for the quarter that ended in Jun. 2026 was $1,079.0 Mil.
Therefore, World Acceptance's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.34.
The historical rank and industry rank for World Acceptance's Equity-to-Asset or its related term are showing as below:
WRLD'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.28 Med: 0.4 Max: 0.67
Current: 0.34
During the past 13 years, the highest Equity to Asset Ratio of World Acceptance was 0.67. The lowest was 0.28. And the median was 0.40.
WRLD's Equity-to-Asset is ranked worse than 54.08% of 551
companies
in the Credit Services industry
Industry Median: 0.4
vs WRLD: 0.34
World Acceptance (NAS:WRLD) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
World Acceptance Equity-to-Asset Related Terms
World Acceptance Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for World Acceptance's Equity-to-Asset 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.
WRLD vs FINV, NAVI, OPFI: Equity-to-Asset Comparison
For the Credit Services subindustry, World Acceptance's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, World Acceptance's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where World Acceptance's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
World Acceptance's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Equity-to-Asset of 0.34 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on World Acceptance and its competitors. This is 15% below median its historical median of 0.40. Over the past decade, World Acceptance's Equity-to-Asset has ranged from 0.28 to 0.67. According to the industry distribution chart, World Acceptance ranks #298 out of 551 companies in the Credit Services industry, placing it in the top 54.1%.
Is World Acceptance's Equity-to-Asset too high?
World Acceptance's current Equity-to-Asset of 0.34 is 15% below median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.67. The Credit Services industry median Equity-to-Asset is 0.40. World Acceptance's value of 0.34 is 15% below this industry median. Based on the distribution chart, World Acceptance ranks #298 out of 551 companies in the Credit Services industry, which is below the industry midpoint. Overall, World Acceptance has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does World Acceptance's Equity-to-Asset compare to FINV and NAVI?
According to the Credit Services industry distribution chart, World Acceptance ranks #298 out of 551 companies for Equity-to-Asset. This places World Acceptance in the lower half of its industry. The industry median Equity-to-Asset is 0.40. World Acceptance's value of 0.34 is 15% below this benchmark. Historically, World Acceptance's own Equity-to-Asset has ranged from 0.28 to 0.67 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 0.40, World Acceptance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. World Acceptance's current Equity-to-Asset of 0.34 is 15% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on World Acceptance and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. World Acceptance's current Equity-to-Asset is 0.34, which is 15% below median its own 10-year median of 0.40. 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 $170.42, compared to a current price of $191.12 — trading 12.1% above its estimated fair value. The current Equity-to-Asset is 0.34, which is 15% below median its 10-year median of 0.40 and 15% below the Credit Services industry median of 0.40. World Acceptance's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For World Acceptance (WRLD), the current Equity-to-Asset is 0.34 as of Jun. 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 $191.12 is trading 12.1% above its estimated GF Value™ of $170.42.
GuruFocus considers World Acceptance to be Modestly Overvalued.
Key valuation signals for WRLD:
Equity-to-Asset: 0.34 (15% below median its 10-year median of 0.40)
GF Value™: $170.42 vs. price of $191.12 (12.1% above fair value)
Industry Position: 15% below the Credit Services median (#298 of 551)
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.
65GF Score
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