WRLD (World Acceptance) Scaled Net Operating Assets: 1.27 (As of Mar. 2026)


WRLD World Acceptance Corp WRLD
62 GF Score
Price $214.25
GF Value $159.45
Valuation Significantly Overvalued
! 6 Warning Signs
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What is World Acceptance Scaled Net Operating Assets?

World Acceptance WRLD +5.91% 62 Scaled Net Operating Assets is 1.27 as of Mar. 2026. GuruFocus rates WRLD with a GF Score™ of 62/100 and a GF Value™ of $159.45 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

World Acceptance's operating assets for the quarter that ended in Mar. 2026 was $1,048.1 Mil. World Acceptance's operating liabilities for the quarter that ended in Mar. 2026 was $-402.0 Mil. World Acceptance's Total Assets for the quarter that ended in Dec. 2025 was $1,142.4 Mil. Therefore, World Acceptance's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 1.27.

WRLD
62GF Score
World Acceptance Corp WRLD
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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World Acceptance Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

World Acceptance's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(1048.05--402.014)/1008.488
=1.44

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1054.121 - 6.071
=1048.05

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=703.115 - 661.194 - 443.935
=-402.014

World Acceptance's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1048.05--402.014)/1142.379
=1.27

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1054.121 - 6.071
=1048.05

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=703.115 - 661.194 - 443.935
=-402.014

* 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.

What does a Scaled Net Operating Assets of 1.27 mean?
World Acceptance (WRLD) has a Scaled Net Operating Assets of 1.27 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on World Acceptance and its competitors.
Is World Acceptance's Scaled Net Operating Assets too high?
World Acceptance's current Scaled Net Operating Assets is 1.27. 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 Scaled Net Operating Assets compare to GDOT and OPFI?
World Acceptance's Scaled Net Operating Assets of 1.27 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on World Acceptance and its competitors. World Acceptance's current Scaled Net Operating Assets is 1.27. 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 $159.45, compared to a current price of $214.25 — trading 34.4% above its estimated fair value. The current Scaled Net Operating Assets is 1.27. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For World Acceptance (WRLD), the current Scaled Net Operating Assets is 1.27 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 $214.25 is trading 34.4% above its estimated GF Value™ of $159.45. GuruFocus considers World Acceptance to be Significantly Overvalued.

Key valuation signals for WRLD:

  • Scaled Net Operating Assets: 1.27
  • GF Value™: $159.45 vs. price of $214.25 (34.4% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$214.25
Price
$159.45
GF Value