WRLD (World Acceptance) Moat Score: 2/10 (As of Jul. 01, 2026)


WRLD World Acceptance Corp WRLD
62 GF Score
Price $224.26
GF Value $159.82
Valuation Significantly Overvalued
! 6 Warning Signs
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What is World Acceptance Moat Score?

World Acceptance WRLD -0.14% 62 Moat Score is 2 as of Jul. 01, 2026. GuruFocus rates WRLD with a GF Score™ of 62/100 and a GF Value™ of $159.82 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 566 Credit Services companies, World Acceptance ranks better than 89.05% on this metric.

World Acceptance has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

World Acceptance has No Moat: World Acceptance Corp faces significant regulatory challenges and operates in a competitive consumer finance market. It lacks durable cost advantages or significant customer loyalty, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes World Acceptance might have No Moat - Very weak/transient advantages.

World Acceptance  (NAS:WRLD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

World Acceptance Moat Score Related Terms

WRLD vs JCAP, LU, FINV: Moat Score Comparison

For the Credit Services subindustry, World Acceptance's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, World Acceptance's Moat Score distribution charts can be found below:

* The bar in red indicates where World Acceptance's Moat Score falls into.


WRLD
62GF Score
World Acceptance Corp WRLD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
World Acceptance (WRLD) has a Moat Score of 2 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, World Acceptance ranks #62 out of 566 companies in the Credit Services industry, placing it in the top 11%.
Is World Acceptance's Moat Score too high?
World Acceptance's current Moat Score is 2. Based on the distribution chart, World Acceptance ranks #62 out of 566 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 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does World Acceptance's Moat Score compare to JCAP and LU?
According to the Credit Services industry distribution chart, World Acceptance ranks #62 out of 566 companies for Moat Score. This places World Acceptance in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. World Acceptance's current Moat Score is 2. 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 Significantly Overvalued. The stock's GF Value™ is $159.82, compared to a current price of $224.26 — trading 40.3% above its estimated fair value. The current Moat Score is 2. World Acceptance's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For World Acceptance (WRLD), the current Moat Score is 2 as of Jul. 01, 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 $224.26 is trading 40.3% above its estimated GF Value™ of $159.82. GuruFocus considers World Acceptance to be Significantly Overvalued.

Key valuation signals for WRLD:

  • Moat Score: 2
  • GF Value™: $159.82 vs. price of $224.26 (40.3% above fair value)
  • GF Score™: 62/100 with 6 warning signs

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 Business Description

Address 104 S Main Street, Greenville, SC, USA, 29601
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.
62GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$224.26
Price
$159.82
GF Value