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
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 | 14.1% |
| Our one-year growth estimate | diamond | 6.0% |
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.
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 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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.
Growth built into the price is above our model estimate.
The price assumes 8.0 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
WRLD — CEO transition
Dated 2026-09-21
CEO — John L. Calmes Jr.: The filing discloses the internal promotion of the CFO to President and CEO, which is a significant management change but not a departure of an executive.
Why it matters: WRLD serves people with limited access to credit. A weaker jobs picture could strain loan payments, while steady claims would ease that concern.
Watch forWeekly jobless claims rise for three straight reports after the November 5, 2026 report.
Also watch forClaims fall or stay flat across the next three weekly reports, with WRLD's past-due loan rates at or below 18.9% for 0–60 days and 5.4% for 61 days or more.
Why it matters: WRLD loosened its new-customer rules and plans a careful increase. Positive growth would show that plan is working.
Supportive ifNew-customer loan volume grows year over year in the next reported quarter, after falling 18.1% in Q2 FY2027.
Worry ifNew-customer loan volume falls year over year again, or the customer base keeps shrinking.
Why it matters: CEO John Calmes took office on September 21. The next reports can show whether customer numbers turn back up under his leadership.
Watch forThe customer base grows year over year, reversing the 5.4% decline reported for the year through September 30, 2026.
Also watch forThe customer base shrinks year over year again, or new-customer lending falls further.
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 | ±$125 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $434 loss on $10,000 · 4.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,803 loss on $10,000 · 28.0% | 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.