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Stock Ratings / Financials / WRLD / dividends
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World Acceptance Corporation (WRLD) Dividend Safety Gauge & 10-Year DRIP Compounder

$164.47 -6.51% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $162.23

World Acceptance Corporation (WRLD) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $767.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WRLD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, World Acceptance Corporation (NASDAQ: WRLD) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $164.47 (-6.51% 1D, market cap $767.0M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 11/20. Across 1097 tracked Financials issuers, WRLD ranks #527 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WRLD compare to BUR and CGBD in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), WRLD carries a Roarable D+ (55/100 RQD), trailing P/E of 23.7x, gross margin of —, and ROIC of 9.8%. By comparison, BUR (Burford Capital Limited) holds a E grade (33/100 RQD, P/E 12.2x, ROIC 9.7%, cap $744.0M) and CGBD (Carlyle Secured Lending Inc.) posts a D- grade (38/100 RQD, P/E 10.6x, ROIC 6.0%, cap $741.7M). Among the 5-stock peer group, CGBD leads on earnings multiple (10.6x) while WRLD leads on capital efficiency (9.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WRLD?
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Per WRLD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0000108385), World Acceptance Corporation generated $585.2M in revenue (+3.7% YoY), $34.6M in net income, and $255.5M in free cash flow against $1.14B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $162.23 (-1.36%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 43.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510055
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C-
Cash (14)Whales (6)SEC (13)Macro (11)CEO (11)
Each axis scored 0–20
12M PRICE TARGET CONE-1.3% Base Target
$239 Bull$162 Base$127 Bear
📬 FREE WRLD RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WRLD)Realized 20D OHLCV Swing Band: ±7.7%
Deterministic 5-Pillar Attribution (55/100 Composite)
🔍 WHY WRLD SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 43.7% FCF Margin ($255.5M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
63
Grade C+$177.24-6% Next Q
Q2 (-2Q)
60
Grade C$166.58+2% Next Q
Q3 (-1Q)
58
Grade C$169.83-3.2% Next Q
Current
55
Grade D+$164.47-0.5% Hist 90D α
Trajectory: C+ (63) → D+ (55)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WRLD Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, WRLD faces multiple-compression risk if 23.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($177.89) or 200D SMA ($163.79) invalidates the momentum regime and cuts Target Base ($162.25) toward Bear Floor ($126.56).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WRLD• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “WRLD Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”
YES 55%NO 45%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $307/yr
$10.6K
Yr 1
$11.1K
Yr 2
$11.7K
Yr 3
$12.4K
Yr 4
$13.1K
Yr 5
$13.8K
Yr 6
$14.5K
Yr 7
$15.3K
Yr 8
$16.2K
Yr 9
$17.1K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WRLD)

  • ✓Walkthrough of WRLD's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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WRLD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.00%🛡️ HOLDING TREND SUPPORT
2026-11-03O $175.9H $175.9L $164.5C $164.5VOL 77.8K
RES: $180.0SUP: $159.1SMA50: $177.9SMA200: $163.8
$233.9$208.2$182.6$157.0$131.3RES $180.0SUP $159.1$164.52026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WRLD Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WRLD Butterfly Map → + Track WRLD →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
17.5%/yr Implied 5Y Growth

vs. +3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on WRLD today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WRLD. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for WRLD today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WRLD)

Financials Rank #527 of 1097 ⚔️ BUR vs WRLD Full Matrix →

1. Head-to-Head Financials Peer Comparison (WRLD vs. BUR, CGBD, CD, LU)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, World Acceptance Corporation (WRLD) ranks #527 by composite RQD confidence (55/100, grade D+) and #605 by equity capitalization ($767.0M). Within this direct 5-issuer industry benchmark cohort, CGBD leads on earnings valuation at 10.6x trailing P/E, while WRLD leads on capital efficiency and profitability with 9.8% ROIC and — gross margin. WRLD currently leads its immediate peer cohort in composite quantitative strength at 55/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
WRLD ACTIVE
World Acceptance Corporation
D+ 55/100 23.7x — 9.8% -6.51% $767.0M Benchmark Subject
BUR
Burford Capital Limited
E 33/100 12.2x — 9.7% -2.58% $744.0M /bur-vs-wrld →
CGBD
Carlyle Secured Lending Inc.
D- 38/100 10.6x — 6.0% -0.28% $741.7M /cgbd-vs-wrld →
CD
Chaince Digital Holdings Inc.
D- 38/100 — — -7.2% -10.87% $739.2M /cd-vs-wrld →
LU
Lufax Holding Ltd (each representing twenty (20) )
D 44/100 — — — +4.16% $715.9M /lu-vs-wrld →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-03-31 • CIK 0000108385 ↗

In its most recent audited fiscal period (FY2025, filed 2026-03-31), World Acceptance Corporation (WRLD) reported GAAP revenue of $585.2M (+3.7% vs. FY2024 revenue of $564.2M , and +2.2% cumulative change since FY2023) , GAAP net income of $34.6M, operating cash flow of $259.4M, and free cash flow of $255.5M (+2.0% YoY). On the balance sheet, WRLD closed FY2025 with $1.14B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2026-03-31 $585.2M $34.6M $259.4M $255.5M $1.14B —
FY2024 (FY) 2025-03-31 $564.2M $89.2M $254.2M $250.5M $1.11B —
FY2023 (FY) 2024-03-31 $572.8M $77.0M $265.8M $265.8M — —

3. WRLD Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WRLD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, World Acceptance Corporation (NASDAQ: WRLD) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $164.47 (-6.51% 1D, market cap $767.0M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 11/20. Across 1097 tracked Financials issuers, WRLD ranks #527 in composite RQD confidence.

How does WRLD compare to BUR and CGBD in the Financials sector?

Within the Financials sector (Finance: Consumer Services), WRLD carries a Roarable D+ (55/100 RQD), trailing P/E of 23.7x, gross margin of —, and ROIC of 9.8%. By comparison, BUR (Burford Capital Limited) holds a E grade (33/100 RQD, P/E 12.2x, ROIC 9.7%, cap $744.0M) and CGBD (Carlyle Secured Lending Inc.) posts a D- grade (38/100 RQD, P/E 10.6x, ROIC 6.0%, cap $741.7M). Among the 5-stock peer group, CGBD leads on earnings multiple (10.6x) while WRLD leads on capital efficiency (9.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WRLD?

Per WRLD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0000108385), World Acceptance Corporation generated $585.2M in revenue (+3.7% YoY), $34.6M in net income, and $255.5M in free cash flow against $1.14B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WRLD trading relative to its 50-day, 200-day, and 52-week technical levels?

WRLD last traded at $164.47 (-6.51% on volume of 77,821 shares), positioning the stock -7.54% below its 50-day simple moving average ($177.89) and +0.42% above its 200-day simple moving average ($163.79). Across its 52-week range of $110.00 to $227.68, WRLD sits at the 46.3% percentile with a 14-day RSI of 42.2 (NEUTRAL RANGE) and an implied next-earnings move of ±7.7% ($151.81 to $177.13).

Direct Sub-Reports: WRLD RQD Cockpit WRLD 12M Forecast WRLD Earnings & Move WRLD Dividends & DRIP WRLD Insiders & 13F WRLD Whale Options WRLD Profit Sankey WRLD News & Why
ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ SEC XBRL & RQD VERIFIED

WRLD — World Acceptance Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-03-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

World Acceptance Corporation (WRLD) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $164.47 (-6.51% 1D, market capitalization $767.0M).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 9.8%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (11/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

World Acceptance Corporation (WRLD) is a NASDAQ-listed issuer classified in the Financials sector and the Finance: Consumer Services industry,..8B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2026-03-31), World Acceptance Corporation (WRLD) reported $585.2M in annual revenue (up from $564.2M in FY2024, +3.7% YoY) and $34.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($572.8M revenue, $77.0M net income) through FY2025, WRLD scaled operating cash flow to $259.4M and free cash flow to $255.5M, backed by $1.14B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 55/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 6/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $110.00 – $227.68 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 23.7x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies are therefore — The sector is Financials and the industry is Finance: Consumer Services; sector correlation data is — Second-order bottlenecks cannot be identified from the provided sources.

  • Key Question #1: Can WRLD sustain or expand its — operating margin and 9.8% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $585.2M and free cash flow of $255.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is WRLD's 22.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

WRLD Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for World Acceptance Corporation (WRLD) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WRLD Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WRLD Bull vs. Bear Conversation Board — What's Your Call at $164.47?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WRLD 🐻 33% BEARISH CONVICTION
1. Pick Your Side on WRLD:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $192.43 (+17.0%)
📌 Pinned Debate

Per the RQD rating, the company posts a 9.8% ROIC and a 5.9% net margin while trading at a forward P/E of 22.

The street is overcomplicating World Acceptance Corporation (WRLD). Per the RQD rating, the company posts a 9.8% ROIC and a 5.9% net margin while trading at a forward P/E of 22.. With an RQD score of 55/100 (D+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $177.63.

CapAlloc_Nerd 🐂 BULL

@SiliconVal_Bull Agree on the RQD 55/100 quality, though with 1.0 beta I'm scaling in with half-size at $164.47 and keeping dry powder in case we test $152.96.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $125.00 (-24.0%)
Spot @ $164.47

Per the RQD rating, the stock scores 58 with an FCF yield of 0%, weak whale 13F flow of 9/20, and a D+ grade.

Per the RQD rating, the stock scores 58 with an FCF yield of 0%, weak whale 13F flow of 9/20, and a D+ grade.. Look at the math on WRLD: paying 23.7x trailing P/E for 9.8% ROIC and 0.0% operating margins leaves zero margin of safety if Finance: Consumer Services demand softens. I'd wait for a retest of $144.73 before getting long.

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