World Acceptance Corporation Common Stock (WRLD)

FairStock Score: 41/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Mr. Market is offering World Acceptance at $177.24 as of 2026-10-13, a $826.5 million market value. The business is a consumer lender to borrowers with limited access to banks—a useful niche, but not a fortress. In fiscal 2023, ended 2024-03-31, revenue was $572.8 million and net income $77.0 million; in fiscal 2024, ended 2025-03-31, revenue was $564.2 million and net income $89.2 million; in fiscal 2025, ended 2026-03-31, revenue was $585.2 million but net income collapsed to $34.6 million, or $6.88 per diluted share. That is not steady compounding; it is volatility. The latest filed quarter, fiscal Q1 2026 ended 2026-06-30, showed $139.2 million of revenue and $6.1 million of net income, while fiscal Q2 2025 ended 2025-09-30 and fiscal Q3 2025 ended 2025-12-31 posted small losses. FairStock's Lynch category calls it a slow grower whose profit shrank 17.1% a year over five years while revenue grew only 2.1%. The balance sheet gives me pause: debt-to-equity 1.79, Altman Z 0.91, Piotroski 4/9, ROE 9.90% and ROCE 6.17%. Valuation is not Graham-like: P/E 22.44, P/B 2.21, Graham Number $117.55, margin of safety -50.78%, and FairStock Score 41/100. True, trailing free cash flow is $260.3 million, a 31.5% FCF yield, and PEG is 0.08, but for a lender I want to see through credit cycles. At this price, I see more risk than bargain.

In plain English: World Acceptance makes small and medium installment loans, credit insurance, and tax-preparation services for people who have trouble getting credit from banks. The business has been uneven: revenue is fairly steady, but full-year profit fell sharply in fiscal 2025, and the company carries a lot of debt. At the 2026-10-13 close of $177.24, the stock looks expensive compared with the company's earnings and net assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2026 10-Q (period ended 2026-06-30) · fiscal Q4 2025 10-K (period ended 2026-03-31) · fiscal Q3 2025 10-K (period ended 2025-12-31) · fiscal Q2 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2026-03-31) · FY2024 10-K (period ended 2025-03-31) · FY2023 10-K (period ended 2024-03-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer