World AcceptanceWRLD +5.49%64 FCF Margin % is 56.90% as of Mar. 2026, which is 22% above its 10-year median of 46.47. GuruFocus rates WRLD with a GF Score™ of 64/100 and a GF Value™ of $159.30 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 531 Credit Services companies, World Acceptance ranks better than 77.4% on this metric.
The historical rank and industry rank for World Acceptance's FCF Margin % or its related term are showing as below:
WRLD'
s FCF Margin % Range Over the Past 10 Years
Min: 42.66 Med: 46.47 Max: 50.47
Current: 47.69
During the past 13 years, the highest FCF Margin % of World Acceptance was 50.47%. The lowest was 42.66%. And the median was 46.47%.
WRLD's FCF Margin % is ranked better than 77.4% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs WRLD: 47.69
World Acceptance FCF Margin % Related Terms
World Acceptance FCF Margin % Historical Data
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The historical data trend for World Acceptance's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, World Acceptance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where World Acceptance's FCF Margin % falls into.
* 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 FCF Margin % of 56.90% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on World Acceptance and its competitors. This is 22% above median its historical median of 46.47. Over the past decade, World Acceptance's FCF Margin % has ranged from 42.66 to 50.47. According to the industry distribution chart, World Acceptance ranks #120 out of 531 companies in the Credit Services industry, placing it in the top 22.6%.
Is World Acceptance's FCF Margin % too high?
World Acceptance's current FCF Margin % of 56.90% is 22% above median its 10-year median of 46.47. Over the past 10 years, this metric has ranged from a low of 42.66 to a high of 50.47. The Credit Services industry median FCF Margin % is 0.24. World Acceptance's value of 56.90% is 23608.3% above this industry median. Based on the distribution chart, World Acceptance ranks #120 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, World Acceptance ranks #120 out of 531 companies for FCF Margin %. This places World Acceptance in the top 23% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. World Acceptance's value of 56.90% is 23608.3% above this benchmark. Historically, World Acceptance's own FCF Margin % has ranged from 42.66 to 50.47 over the past decade. While the company's 10-year median is 46.47 vs. the industry median of 0.24, World Acceptance has consistently been above 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. World Acceptance's current FCF Margin % of 56.90% is 23608.3% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on World Acceptance and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. World Acceptance's current FCF Margin % is 56.90%, which is 22% above median its own 10-year median of 46.47. 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 $159.30, compared to a current price of $194.02 — trading 21.8% above its estimated fair value. The current FCF Margin % is 56.90%, which is 22% above median its 10-year median of 46.47 and 23608.3% above the Credit Services industry median of 0.24. World Acceptance's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For World Acceptance (WRLD), the current FCF Margin % is 56.90% as of Mar. 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 $194.02 is trading 21.8% above its estimated GF Value™ of $159.30.
GuruFocus considers World Acceptance to be Modestly Overvalued.
Key valuation signals for WRLD:
FCF Margin %: 56.90% (22% above median its 10-year median of 46.47)
GF Value™: $159.30 vs. price of $194.02 (21.8% above fair value)
Industry Position: 23608.3% above the Credit Services median (#120 of 531)
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
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