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
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $191 the market pays 2.4× p/b — above the 1.6× p/b peer median but in line with its own 2× history. That premium reflects a durable franchise our peer-anchored $264 fair value understates; treat the 'expensive vs peers' read with medium confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $691.51 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $693.79 | — | — | Hist. CAGR | high |
| graham number | 12M | $128.27 | — | — | TTM | high |
| Peer P/B | 12M | $123.38 | 1.6 | 79.06 | TTM | high |
| Peer P/FCF | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
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 long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Around its own typical valuation.
Trailing four: 2026-Q2, 2026-Q3, 2026-Q4, 2027-Q1
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $252.33 |
| 4.4 |
| 56.81 |
| TTM |
| high |
| Peer P/E | 12M | $83.71 | 9.0 | 9.25 | TTM | high |
| Peer P/S | 12M | $180.10 | 1.4 | 128.97 | TTM | high |
| PEG | 12M | $76.65 | 8.3 | 9.25 | TTM | high |
| residual income | 12M | $87.05 | — | — | TTM | high |
| Own P/E history | 12M | $195.29 | 21.1 | 9.25 | TTM | high |
| triangulated | 12M | $91.98 | 9.0 | 10.16 | Triangulated | high |
| Peer P/B | 3Y | $105.74 | 1.6 | 67.75 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $228.86 | 4.4 | 51.53 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $137.32 | 9.0 | 15.17 | Hist. CAGR(prov.) | medium |
| Peer P/S | 3Y | $200.08 | 1.4 | 143.28 | Hist. CAGR(prov.) | medium |
| PEG | 3Y | $125.75 | 8.3 | 15.17 | Hist. CAGR(prov.) | medium |
| Own P/E history | 3Y | $320.37 | 21.1 | 15.17 | Hist. CAGR(prov.) | medium |
| Peer P/B | 5Y | $95.40 | 1.6 | 61.13 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $214.43 | 4.4 | 48.28 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $137.74 | 9.0 | 15.22 | Hist. CAGR(prov.) | high |
| Peer P/S | 5Y | $200.69 | 1.4 | 143.72 | Hist. CAGR(prov.) | high |
| PEG | 5Y | $126.13 | 8.3 | 15.22 | Hist. CAGR(prov.) | high |
| Own P/E history | 5Y | $321.34 | 21.1 | 15.22 | Hist. CAGR(prov.) | high |