WRLD Stock Analysis: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$121.25
1.72 (1.44%)
ā²
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 04, 2026
3d
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Interactive Price Chart (1 Month)
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Bottom Line:
š HOLD: WRLD shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
š HOLD: WRLD shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$208.95
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$129.74
6.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $121.25, which is considered oversold relative to its 30-day fair value range of $129.63 to $149.76. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.1) compared to its historical average (10.0). At these levels, the market is pricing in 3.6% annual earnings growth.
Technical Outlook: Technically, WRLD is in a strong downtrend. Immediate support is located at $110.00, while resistance sits at $143.95.
Market Sentiment: WRLD has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, WRLD is in a strong downtrend. Immediate support is located at $110.00, while resistance sits at $143.95.
Market Sentiment: WRLD has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$129.63 -
$149.76
Company Quality Score
46/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
55.7%
Protect Your Profits
Holding WRLD? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($120.00)
- BULLISH: Expecting earnings turnaround to 3.6% growth with 1.9% revenue growth
- CAUTION: 5-day price weakness (-12.8%) - monitor closely
Fair Price Analysis
30-Day Fair Range
$129.63 -
$149.76
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$110.00
Resistance Level
$143.95
Current Trend
Strong Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
11.14
Wall Street Target
$120.00
(+0.4%)
Revenue Growth (YoY)
1.9%
Earnings Growth (YoY)
-86.0%
Profit Margin
7.5%
Valuation Premium vs History
+3.6% premium
PE vs Historical
11.1 vs 10.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.6%
(market-implied from PE analysis)
1-Year Target
$123.83
(+4%)
2-Year Target
$128.29
(+7%)
3-Year Target
$132.91
(+11%)
3-Yr Target (if PE normalizes)
(PE: 11ā10)
PE COMPRESSION
$119.31
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 51.8%)
$807.57
(+576%)
Base:
(SPY PE: 11.1, Growth: 51.8%)
$403.41
(+238%)
Bear:
(PE: 9.5, Growth: 51.8%)
$342.90
(+187%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 14.91 | Current EPS (TTM): $7.75
Bull Case
$176.01
(+45%)
Analyst growth 38.5%, PE expands to 16.4
Base Case
$160.01
(+32%)
Market implied 38.5%, PE stable at 14.9
Bear Case
$78.59
(-35%)
Severe decline -20.0%, PE contracts to 12.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 31, 2026 1:02 AM ET
Data refreshes hourly during market hours. Next update: 2:02 AM
Data refreshes hourly during market hours. Next update: 2:02 AM
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Technical Signals Check
Is WRLD showing a specific setup today?
Insider Activity (6 Months)
0
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Alice Lindsay Caulder
SELL
1000 shares
2025-09-17
Ken R Bramlett Jr
SELL
3389 shares
2025-09-10
Prescott General Partnerā¦
SELL
347064 shares
2025-09-04
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Professional options setups generated by AI based on today's WRLD price and gamma walls.
