WRLD Stock Analysis: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$135.04
1.71 (1.28%)
ā²
5d:
-0.35%
30d:
-1.32%
90d:
-7.75%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: May 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
š” BUY OPPORTUNITY: WRLD shows positive signals but monitor for confirmation. Market pricing in 3.7% growth. Moderate conviction.
š” BUY OPPORTUNITY: WRLD shows positive signals but monitor for confirmation. Market pricing in 3.7% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$231.94
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$144.01
6.2% 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 11.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $135.04, which is considered fair relative to its 30-day fair value range of $130.49 to $139.71. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.4) compared to its historical average (11.1). At these levels, the market is pricing in 3.7% annual earnings growth.
Technical Outlook: Technically, WRLD is in a downtrend. Immediate support is located at $122.70, while resistance sits at $140.83.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WRLD is in a downtrend. Immediate support is located at $122.70, while resistance sits at $140.83.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$130.49 -
$139.71
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BEARISH: Trading above Wall St target ($120.00)
- BULLISH: Expecting earnings turnaround to 3.7% growth with 1.9% revenue growth
Fair Price Analysis
30-Day Fair Range
$130.49 -
$139.71
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$122.71
Resistance Level
$140.83
Current Trend
Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.43
Wall Street Target
$120.00
(-10.0%)
Revenue Growth (YoY)
1.9%
Earnings Growth (YoY)
-86.0%
Profit Margin
7.5%
Valuation Premium vs History
+3.7% premium
PE vs Historical
12.4 vs 11.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.7%
(market-implied from PE analysis)
1-Year Target
$138.26
(+4%)
2-Year Target
$143.38
(+8%)
3-Year Target
$148.68
(+12%)
3-Yr Target (if PE normalizes)
(PE: 12ā11)
PE COMPRESSION
$132.82
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 51.8%)
$809.38
(+507%)
Base:
(SPY PE: 12.4, Growth: 51.8%)
$449.99
(+238%)
Bear:
(PE: 10.6, Growth: 51.8%)
$382.49
(+187%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 16.84 | Current EPS (TTM): $7.77
Bull Case
$198.77
(+46%)
Analyst growth 38.1%, PE expands to 18.5
Base Case
$180.70
(+33%)
Market implied 38.1%, PE stable at 16.8
Bear Case
$88.98
(-35%)
Severe decline -20.0%, PE contracts to 14.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: March 31, 2026 4:06 PM ET
Data refreshes hourly during market hours. Next update: 5:06 PM
Data refreshes hourly during market hours. Next update: 5:06 PM
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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
John L Calmes Jr
SELL
1000 shares
2026-03-10
John L Calmes Jr
SELL
1000 shares
2025-12-17
Daniel Clinton Dyer
SELL
8857 shares
2025-12-16
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