- ISIN
- US9814191048
- CUSIP
- 981419104
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Nov 26, 1991
Highlights
- Market Cap
- $876.07M
- Enterprise Value
- $870.96M
- EPS (TTM)
- $6.93
- PE Ratio
- 26.65
- PEG Ratio
- 0.62
- Total Revenue (TTM)
- $585.74M
- Gross Profit (TTM)
- $582.56M
- EBITDA (TTM)
- $96.81M
- Year Range
- $110.00 - $185.48
- ROA (TTM)
- 3.33%
- ROE (TTM)
- 3.33%
Share Price Chart
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Performance
WRLD Performance Chart
World Acceptance Corporation (WRLD) is up 31.5% since the beginning of the year. At $185 per share, WRLD is currently trading at its 52-week high. Investors who bought $1,000 worth of WRLD shares 5 years ago would now be looking at an investment worth $1,065.
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Returns By Period
World Acceptance Corporation (WRLD) has returned 31.51% so far this year and 18.10% over the past 12 months. Looking at the last ten years, WRLD has achieved an annualized return of 15.81%, outperforming the S&P 500 Index benchmark, which averaged 13.71% per year.
World Acceptance Corporation
- 1D
- 1.60%
- 1M
- 15.46%
- YTD
- 31.51%
- 6M
- 27.05%
- 1Y
- 18.10%
- 3Y*
- 12.80%
- 5Y*
- 1.27%
- 10Y*
- 15.81%
Benchmark (S&P 500 Index)
- 1D
- -1.44%
- 1M
- -1.45%
- YTD
- 7.60%
- 6M
- 6.59%
- 1Y
- 22.24%
- 3Y*
- 19.20%
- 5Y*
- 11.54%
- 10Y*
- 13.71%
WRLD Monthly Returns History
Based on dividend-adjusted daily data since Dec 2, 1991, WRLD's average daily return is +0.10%, while the average monthly return is +1.91%. At this rate, an investment would double in approximately 3.1 years.
Historically, 55% of months were positive and 45% were negative. The best month was Apr 2009 with a return of +73.6%, while the worst month was Oct 2008 at -48.7%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 5 months.
On a daily basis, WRLD closed higher 48% of trading days. The best single day was May 9, 2017 with a return of +38.6%, while the worst single day was Aug 11, 2015 at -34.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -13.63% | 11.24% | 0.12% | 8.98% | 12.18% | 11.84% | 31.51% | ||||||
| 2025 | 25.54% | -4.48% | -6.15% | 2.03% | 19.64% | 6.89% | -4.72% | 8.97% | -1.34% | -24.64% | 21.33% | -9.23% | 24.86% |
| 2024 | 0.60% | -8.80% | 21.06% | -5.11% | -6.60% | -3.82% | -1.18% | -3.50% | 0.11% | -3.29% | 5.98% | -7.01% | -13.86% |
| 2023 | 45.16% | -2.47% | -10.79% | 21.14% | 10.20% | 20.52% | 17.82% | -14.62% | -5.75% | -22.38% | 13.01% | 17.12% | 97.95% |
| 2022 | -23.00% | 3.96% | -2.36% | -1.63% | -21.54% | -24.20% | -1.31% | 4.93% | -16.71% | -16.11% | -12.69% | -7.01% | -73.13% |
| 2021 | 40.31% | -11.76% | 2.54% | 0.76% | 22.85% | -0.23% | 18.30% | 0.16% | -0.15% | -2.21% | 10.80% | 19.48% | 140.10% |
Benchmark Metrics
World Acceptance Corporation has an annualized alpha of 17.04%, beta of 1.04, and R2 of 0.13 versus S&P 500 Index. Calculated based on daily prices since December 02, 1991.
- This stock captured 100.83% of S&P 500 Index gains but only 79.41% of its losses - a favorable profile for investors.
- R2 of 0.13 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 17.04%
- Beta
- 1.04
- R²
- 0.13
- Upside Capture
- 100.83%
- Downside Capture
- 79.41%
Return for Risk
Risk / Return Rank
WRLD ranks 53 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for World Acceptance Corporation (WRLD) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| WRLD | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.40 | ||
| Sortino ratioReturn per unit of downside risk | -1.67 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 1.32 | -0.21 |
| Calmar ratioReturn relative to maximum drawdown | 0.49 | 2.46 | -1.96 |
| Martin ratioReturn relative to average drawdown | 0.96 | 10.92 | -9.95 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the World Acceptance Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the World Acceptance Corporation was 77.65%, occurring on Mar 6, 2009. Recovery took 446 trading sessions.
The current World Acceptance Corporation drawdown is 28.71%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -77.65%Mar 2009 | 2y 4mo | 1y 9mo | 4y 1moOct 2006 - Dec 2010 |
Bear market2022 | -77.00%Dec 2022 | 12mo 1d | — | 4y 6moDec 2021 - now |
2015 bear market2015 | -75.12%Oct 2015 | 1y 11mo | 2y 3mo | 4y 3moOct 2013 - Jan 2018 |
COVID crash2020 | -74.48%Apr 2020 | 8mo 23d | 1y 3mo | 2y 7dJul 2019 - Jul 2021 |
2000 bear market2000 | -72.66%Jan 2000 | 4y 3mo | 3y 5mo | 7y 9moSep 1995 - Jun 2003 |
Drawdown Indicators
| WRLD | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -77.65% | -56.78% | -20.87% |
Max Drawdown (1Y)Largest decline over 1 year | -37.34% | -9.10% | -28.24% |
Max Drawdown (3Y)Largest decline over 3 years | -39.37% | -18.90% | -20.47% |
Max Drawdown (5Y)Largest decline over 5 years | -77.00% | -25.43% | -51.57% |
Max Drawdown (10Y)Largest decline over 10 years | -77.00% | -33.92% | -43.08% |
Current DrawdownCurrent decline from peak | -28.71% | -3.21% | -25.50% |
Average DrawdownAverage peak-to-trough decline | -33.22% | -10.71% | -22.51% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 18.93% | 2.04% | +16.89% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of World Acceptance Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how World Acceptance Corporation is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for WRLD, comparing it with other companies in the Credit Services industry. Currently, WRLD has a P/E ratio of 26.6. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for WRLD compared to other companies in the Credit Services industry. WRLD currently has a PEG ratio of 0.6. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for WRLD relative to other companies in the Credit Services industry. Currently, WRLD has a P/S ratio of 1.6. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for WRLD in comparison with other companies in the Credit Services industry. Currently, WRLD has a P/B value of 0.8. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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