Expectations trend
FY2028 · fiscal year ending 2028-03-31 · fmp
World Acceptance Corporation (WRLD)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$161.10-2.75%
Close 2026-11-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
15.14 → 15.14 EPS · FY ending Mar 31, 2028 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for WRLD yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
EPS at least $6.97 in fiscal Q1 2027 | Earnings per share near $11 next year show steady profit. | Intact | EPS guidance falls below $6.97 for fiscal Q1 2027 | Diluted EPS: $1.92 per share FY2027-Q2; GAAP. Published target: >= $6.97 EPS. Target period ends 2027-03-31; this observation covers 2027-Q2. Oct 23, 20261.92 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2028 · fiscal year ending 2028-03-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a specialty-lending business with a durable-premium profile, not a simple growth story. The long-term thesis is intact, though the overall signal has shifted from mildly favorable to mixed as management remains volatile and new-customer growth is limited.
WRLD is valued at a 1.55 premium versus peers, and the valuation signal is stretched. The evidence points to expectations for durable performance, while the estimated expectations gap is 0.14; confidence in that estimate is medium. Fragility is low, but the premium leaves less room for weaker execution.
Near term, recent performance is strong, with revenue growth and an earnings beat, while delinquency measures improved year over year. However, gross loans were nearly flat and new-customer loan volume declined, while annualized net charge-offs rose. Management is pursuing targeted growth, credit quality, and share repurchases, but erratic earnings surprises and a CEO transition add uncertainty.
The multi-year view depends on revenue growth continuing despite limited new-customer growth, and on better delinquency measures translating into controlled credit losses. Near term, a guidance cut would be a meaningful negative, while falling rates could weigh on the sector. Continued earnings strength and higher guidance from sector bellwethers such as V, MA, and AXP would support the sector backdrop.
Over the next 1 to 3 years, WRLD’s strong recent results and credit-quality progress support an intact thesis, but limited customer growth, uneven management signals, and a stretched valuation make execution central. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A supporting condition in World Acceptance Corporation's published investment case. The stated target is Compliance with fixed charge coverage ratio. |
| Intact |
| Breach of fixed charge coverage ratio covenant |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Gross loans outstanding grow at least 4.4% YoY | A primary condition in World Acceptance Corporation's published investment case. The stated target is >=4.4% YoY growth to $1.28B. | Intact | YoY loan growth falls below 4.4% by 2026-Q1 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Loans 0-60 days past due decrease to 17.0% | The company manages credit quality well despite CEO changes. | Intact | Delinquency rate rises above 17.0% by 2026-Q1 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management contextStated in 2 of 4 supplied quarters. Management reported: “To reverse the prior trend of declining balances while maintaining high credit quality, we had been focused on new customers with higher credit quality and, during the third quarter of fiscal 2026, we increased new customers as a percentage of the portfolio from 6.4% as of September 30, 2024 to 9.9% as of December 31, 2025.” “Having increased the new customer funnel for several consecutive quarters, we are now in a position to decelerate new customer growth and focus on overall portfolio health while allowing these new customers to season.” Net income was $6.107 million in 2027-Q1. Delivery assessment Nov 4, 2026 |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$14.12 → $15.14 · observed estimates
$0.67B → $0.64B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $14.12 | $670,000,000 | 1 / 1 |
| 2026-07-25 | $14.12 | $669,700,000 | 1 / 1 |
| 2026-07-26 | $14.12 | $669,700,000 | 1 / 1 |
| 2026-07-27 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-07-28 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-07-29 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-07-30 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-07-31 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-01 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-02 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-03 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-04 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-05 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-06 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-08 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-09 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-10 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-12 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-13 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-14 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-15 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-16 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-17 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-18 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-19 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-20 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-21 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-22 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-23 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-24 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-25 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-26 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-27 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-28 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-29 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-30 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-08-31 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-01 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-02 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-03 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-04 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-05 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-06 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-07 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-08 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-09 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-10 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-11 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-12 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-13 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-14 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-15 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-16 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-17 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-18 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-19 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-20 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-21 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-22 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-23 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-24 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-25 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-26 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-27 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-28 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-29 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-09-30 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-01 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-02 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-03 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-04 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-05 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-06 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-07 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-08 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-09 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-10 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-11 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-12 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-13 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-14 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-15 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-16 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-17 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-18 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-19 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-20 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-21 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-22 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-23 | $15.14 | $654,900,000 | 1 / 1 |
| 2026-10-24 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-10-25 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-10-26 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-10-27 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-10-28 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-10-29 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-10-30 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-10-31 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-11-01 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-11-02 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-11-03 | $15.14 | $641,500,000 | 1 / 1 |
| 2026-11-04 | $15.14 | $641,500,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 0 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.