World Acceptance Corporation
WRLDFinancial ServicesNASDAQCredit Services · Last scanned Sep 9, 2026
Scan Results
Daily timeframeWorld Acceptance Corporation engages in consumer finance business in the United States. Valued at $895.3M, WRLD is a small-cap name in its sector. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals.
Market Cap
$895.3M
Beta
1.14
P/E (TTM)
24.21
P/E (Fwd)
12.68
EPS (TTM)
$7.93
EPS (Fwd)
$15.14
ROE
9.9%
ROA
6.2%
Cash
$10.4M
Total Debt
$648.1M
Free CF
$60.7M
52W Change
10.7%
Annual Financials
Cash vs Debt
Where WRLD stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, WRLD finished 17.86% above its 150-day moving average ($161.69) and 21.24% above its 200-day moving average ($157.18). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is WRLD overbought or oversold?
At the September 3, 2026 close, WRLD's RSI(14) was 52.8, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, WRLD has $10.4M in cash with $648.1M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. The company generates $60.7M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 9.9%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 6.2% suggests reasonable efficiency in deploying the company's asset base. Revenue has been relatively flat, moving from $566.1M (2023) to $535.7M (2026).
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence World Acceptance Corporation's trajectory.