World AcceptanceFRA:WOA +3.61%64 PS Ratio is 1.88 as of Jul. 12, 2026, which is 27% above its 10-year median of 1.48. GuruFocus rates FRA:WOA with a GF Score™ of 64/100 and a GF Value™ of €138.39. The stock has 6 warning signs investors should review. Among 522 Credit Services companies, World Acceptance ranks better than 65.71% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, World Acceptance's share price is €172.00.
World Acceptance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €91.54. Hence, World Acceptance's PS Ratio for today is 1.88.
Warning Sign:
World Acceptance Corp stock PS Ratio (=1.87) is close to 3-year high of 2.01.
The historical rank and industry rank for World Acceptance's PS Ratio or its related term are showing as below:
FRA:WOA'
s PS Ratio Range Over the Past 10 Years
Min: 0.61 Med: 1.48 Max: 3.15
Current: 1.87
During the past 13 years, World Acceptance's highest PS Ratio was 3.15. The lowest was 0.61. And the median was 1.48.
FRA:WOA's PS Ratio is ranked better than 65.71% of 522
companies
in the Credit Services industry
Industry Median: 2.915
vs FRA:WOA: 1.87
World Acceptance Corp has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of World Acceptance was 12.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 3.60% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 5.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 7.40% per year.
During the past 13 years, World Acceptance's highest 3-Year average Revenue per Share Growth Rate was 22.80% per year. The lowest was -5.00% per year. And the median was 14.65% per year.
Back to Basics: PS Ratio
World Acceptance (FRA:WOA) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
World Acceptance PS Ratio Related Terms
World Acceptance PS Ratio Historical Data
* Premium members only.
The historical data trend for World Acceptance's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, World Acceptance's PS Ratio distribution charts can be found below:
* The bar in red indicates where World Acceptance's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
World Acceptance's Share Price of today is €172.00. World Acceptance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €91.54.
* 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.
It can also be calculated from the numbers for the whole company:
World Acceptance (FRA:WOA) has a PS Ratio of 1.88 as of Jul. 12, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on World Acceptance and its competitors. This is 27% above median its historical median of 1.48. Over the past decade, World Acceptance's PS Ratio has ranged from 0.61 to 3.15. According to the industry distribution chart, World Acceptance ranks #179 out of 522 companies in the Credit Services industry, placing it in the top 34.3%.
Is World Acceptance's PS Ratio too high?
World Acceptance's current PS Ratio of 1.88 is 27% above median its 10-year median of 1.48. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 3.15. The Credit Services industry median PS Ratio is 2.92. World Acceptance's value of 1.88 is 35.5% below this industry median. Based on the distribution chart, World Acceptance ranks #179 out of 522 companies in the Credit Services industry, which is above the industry midpoint. Overall, World Acceptance has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does World Acceptance's PS Ratio compare to JCAP and LU?
According to the Credit Services industry distribution chart, World Acceptance ranks #179 out of 522 companies for PS Ratio. This puts World Acceptance in the upper half of its industry. The industry median PS Ratio is 2.92. World Acceptance's value of 1.88 is 35.5% below this benchmark. Historically, World Acceptance's own PS Ratio has ranged from 0.61 to 3.15 over the past decade. While the company's 10-year median is 1.48 vs. the industry median of 2.92, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.92, based on 522 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. World Acceptance's current PS Ratio of 1.88 is 35.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on World Acceptance and its competitors. For the Credit Services industry, the median PS Ratio is 2.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. World Acceptance's current PS Ratio is 1.88, which is 27% above median its own 10-year median of 1.48. 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?
World Acceptance (FRA:WOA) has a current PS Ratio of 1.88. The stock's GF Value™ is €138.39, compared to a current price of €172.00 — trading 24.3% above its estimated fair value. The current PS Ratio is 1.88, which is 27% above median its 10-year median of 1.48 and 35.5% below the Credit Services industry median of 2.92. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For World Acceptance (FRA:WOA), the current PS Ratio is 1.88 as of Jul. 12, 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 (FRA:WOA) Overvalued in 2026?
Based on GuruFocus' analysis, World Acceptance stock appears to be overvalued.
The current stock price of €172.00 is trading 24.3% above its estimated GF Value™ of €138.39.
Key valuation signals for FRA:WOA:
PS Ratio: 1.88 (27% above median its 10-year median of 1.48)
GF Value™: €138.39 vs. price of €172.00 (24.3% above fair value)
Industry Position: 35.5% below the Credit Services median (#179 of 522)
No single metric tells the full story. See the FRA:WOA 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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