World Acceptance Corporation (WRLD)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$190.54-0.59%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · WRLD
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -27.7% |
| Our one-year growth estimate | diamond | 6.8% |
Growth built into the price is above our model estimate.
The price assumes 34.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 37 industry peers
WRLD — credit agreement
Dated 2026-07-01
Entry into a Material Definitive Agreement Accordion Increase to Revolving Credit Facility On June 29, 2026, World Acceptance Corporation (the “Company”) entered into an Accordion Increase (the “Accordion Increase”) under its Revolving Credit Agreement, dated as of July 22, 2025 (as amended, restated, supplemented or otherwise modified from time to time, the “Revolving Credit Agreement”), by and among the Company, the lenders from time to time party thereto, and Bank of Montreal, as Administr…
Why it matters: A decrease in new customer growth could signal a shift in strategy and portfolio health.
Supportive ifNew customer growth may stay the same or rise from 8.2% next quarter.
Worry ifNew customer growth percentage decreases further from 8.2% in the next quarter.
Why it matters: High G&A expenses may limit profits. They can also show operational problems.
Worry ifG&A expenses as a percentage of revenues decrease below 45.9%.
Less concerning ifG&A expenses as a percentage of revenues remain above 45.9%.
Why it matters: More net charge-offs might mean worse credit quality. This can affect how much money the company makes.
Worry ifNet charge-offs increase above 18.2% of average net loans receivable in Q2 FY 2027.
Less concerning ifNet charge-offs fall below 18.2% of average net loans.
Why it matters: If net charge-offs rise, it may mean worse credit quality. This can hurt profits.
Worry ifNet charge-offs increase above $44 million in the next quarter.
Less concerning ifNet charge-offs decrease below $43 million in the next quarter.
Why it matters: Fewer late loans show better credit quality. This may help the company make more money.
Supportive ifLoans 0-60 days past due decrease below 18% in the next quarter.
Worry ifLoans 0-60 days past due increase above 19% in the next quarter.
Why it matters: More share buybacks may show that management believes in the company's value. This could help share prices.
Supportive ifThe company repurchases more than $10 million in shares in the next quarter.
Worry ifNo major share buybacks happen in the next quarter.
Why it matters: This report will give details about the company's finances and future plans.
Watch forQ2 earnings show revenue growth above the sector median of 12%.
Also watch forQ2 earnings report shows revenue growth below the sector median.
Why it matters: A low fixed charge coverage ratio may show liquidity problems. This can raise borrowing costs.
Worry ifFixed charge coverage ratio stays below 1.5.
Less concerning ifFixed charge coverage ratio goes above 1.5.
Why it matters: Updates on the CEO search can change leadership and company direction. This affects investor confidence.
Watch forA permanent CEO will be announced before the next earnings call on October 22, 2026.
Also watch forNo progress reported on the CEO search by the next earnings call on October 22, 2026.
Why it matters: A big rise in G&A expenses may show problems. This can hurt margins and profits.
Worry ifG&A expenses increase more than 10% year over year in Q2 FY 2027.
Less concerning ifG&A expenses increase less than 10% year over year in Q2 FY 2027.
Why it matters: A drop in credit loss provisions shows better credit quality. This could help make more money.
Supportive ifProvision for credit losses decreases further from $43.8 million in Q1 FY 2027.
Worry ifProvision for credit losses increases from $43.8 million in Q1 FY 2027.
Why it matters: Stabilizing or lowering G&A expenses shows better cost management. This can lead to more profit.
Supportive ifG&A expenses decrease from $76.1 million reported in Q1 FY 2027.
Worry ifG&A expenses increase from $76.1 million reported in Q1 FY 2027.
Why it matters: How well the buyback program works may change share price. It can also affect investor feelings.
Supportive ifThe company buys back $50 million in shares by the end of FY 2027.
Worry ifThe company fails to execute the buyback program as planned.
Why it matters: Slower growth in gross loans could indicate challenges in the lending environment. It may affect overall revenue.
Worry ifGross loans outstanding growth reported below 4.4% in the next earnings report.
Less concerning ifGross loans outstanding growth reported above 5% in the next earnings report.
Why it matters: A decrease in new customer growth may signal a shift in strategy and impact loan performance.
Supportive ifNew customers in the portfolio drop below 8.2%.
Worry ifNew customers as a percentage of the portfolio remains above 8.2%.
Why it matters: A stable leadership team can help with focus and direction.
Supportive ifA new CEO has been announced. They have a strong record in financial services.
Worry ifThere is still interim leadership. A permanent CEO is not in place.
Why it matters: The new CEO's plan will shape the company's direction after the leadership change.
Watch forA press release talks about the new CEO's plans and goals for the company.
Also watch forNo announcement or vague statements about future plans from the new CEO.
Why it matters: A continued drop in new customer loans signals management's focus on credit quality. This could impact future growth.
Worry ifNew customer loan volume decreases more than 40% year over year in the next quarter.
Less concerning ifNew customer loan volume stays the same or goes up each year.
Why it matters: A new permanent CEO may bring stable leadership. This could change the company's direction and affect investor trust.
Watch forA permanent CEO is announced within the next quarter.
Also watch forNo permanent CEO is announced by the next earnings call.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$158 on $10,000 · ±1.6% | How much price usually moves either way. |
| Bad day | $488 loss on $10,000 · 4.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,734 loss on $10,000 · 37.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.