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.
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 $165.43 (+0.58% 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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 43.7% FCF Margin ($255.5M FCF) & 52% Gross Margin
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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 ($163.20) toward Bear Floor ($127.30).
World Acceptance Corporation (WRLD) advanced +0.58% to $165.43, trading at 47% of its 52-week range ($110 – $227.68). Stretched risk/reward at 24x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
Yahoo! Finance Canada report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
TradingView report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
World Acceptance's customer base shrank 5.4% YoY, and refinancing was 80% of volume. Read why I maintain my sell rating following WRLD stock's Q2'27 results.
World Acceptance just reported Q2 2027 earnings and the immediate verdict from traders was cool rather than panicked. The stock slipped about 1.5% on the day after the release, even though adjusted earnings per share lan
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on WRLD today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for WRLD. Explore sector supply chains on /butterfly.
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% | +0.58% | $767.0M | Benchmark Subject |
| BUR Burford Capital Limited | E | 33/100 | 12.2x | — | 9.7% | +10.29% | $744.0M | /bur-vs-wrld → |
| CGBD Carlyle Secured Lending Inc. | D- | 38/100 | 10.6x | — | 6.0% | +1.86% | $741.7M | /cgbd-vs-wrld → |
| CD Chaince Digital Holdings Inc. | D- | 38/100 | — | — | -7.2% | -14.14% | $739.2M | /cd-vs-wrld → |
| LU Lufax Holding Ltd (each representing twenty (20) ) | D | 44/100 | — | — | — | +0.97% | $715.9M | /lu-vs-wrld → |
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 | — | — |
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 $165.43 (+0.58% 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.
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).
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.
WRLD last traded at $165.43 (+0.58% on volume of 36,784 shares), positioning the stock -7.00% below its 50-day simple moving average ($177.89) and +1.00% above its 200-day simple moving average ($163.79). Across its 52-week range of $110.00 to $227.68, WRLD sits at the 47.1% percentile with a 14-day RSI of 42.2 (NEUTRAL RANGE) and an implied next-earnings move of ±7.7% ($152.69 to $178.17).
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 $165.43 (+0.58% 1D, market capitalization $767.0M).
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.
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.
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Yahoo! Finance Canada report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
TradingView report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
Business Wire report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.
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.
@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.
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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