World Acceptance Corporation (WRLD) Stock Score, Valuation & Financial Research
World Acceptance Corporation is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 28/100.
Quick answer for WRLD
World Acceptance Corporation currently has a Wall Street Score of 28/100. The stored market price is $185.59. Its financial score is 19/100. Its valuation score is 16/100. These figures are a research snapshot, not a buy or sell recommendation.
What World Acceptance Corporation does
World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger
WRLD financial snapshot
- Wall Street Score:
- 28/100
- Current price:
- $185.59
- Market capitalization:
- $864.9M
- Revenue:
- $591.9M
- Net income:
- $39.3M
- Free cash flow:
- $255.5M
- Cash:
- $10.4M
- Total debt:
- $661.2M
- EPS:
- 6.97
- P/E ratio:
- 26.6x
- Financial score:
- 19/100
- Valuation score:
- 16/100
- Revenue score:
- 15/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $255.5M, showing positive cash generation.
- The balance sheet shows $10.4M of cash versus $661.2M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 16/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 19/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research WRLD
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.