WRLD Stock Analysis: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$207.98
-11.48 (-5.23%)
▼
5d:
+3.04%
30d:
+25.61%
90d:
+46.9%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 23, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WRLD trades at premium valuation expecting 14.6% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: WRLD trades at premium valuation expecting 14.6% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$269.55
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$167.37
Trading above historical range
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 12.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $207.98, which is considered extended relative to its 30-day fair value range of $162.48 to $201.26. From a valuation perspective, the stock is trading at a premium (Forward PE: 19.4) compared to its historical average (12.9). At these levels, the market is pricing in 14.6% annual earnings growth.
Technical Outlook: Technically, WRLD is in a strong uptrend. The price is approaching resistance at $174.68. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. Short-term momentum is weak, with the stock down 5.2% recently.
Market Sentiment: WRLD has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. However, the stock is trading significantly above the average Wall Street target of $141.00. 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 uptrend. The price is approaching resistance at $174.68. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. Short-term momentum is weak, with the stock down 5.2% recently.
Market Sentiment: WRLD has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. However, the stock is trading significantly above the average Wall Street target of $141.00. 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
EXTENDED
Historical Trading Range
$162.48 -
$201.26
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
51.0%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-5.2%)
- BEARISH: Trading 32.2% above Wall St target ($141.00)
- BULLISH: Expecting earnings turnaround to 14.6% growth with 7.3% revenue growth
Trading Range Analysis
30-Day Trading Range
$162.48 -
$201.26
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$155.08
Resistance Level
$174.68
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
19.38
Wall Street Target
$141.00
(-32.2%)
Revenue Growth (YoY)
7.3%
Earnings Growth (YoY)
-5.4%
Profit Margin
5.9%
Valuation Premium vs History
+14.6% premium
PE vs Historical
19.4 vs 12.9
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+14.6%
(market-implied from PE analysis)
1-Year Target
$238.35
(+15%)
2-Year Target
$273.14
(+31%)
3-Year Target
$313.02
(+51%)
3-Yr Target (if PE normalizes)
(PE: 19→13)
PE COMPRESSION
$208.33
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 51.8%)
$788.74
(+279%)
Base:
(SPY PE: 19.4, Growth: 51.8%)
$701.93
(+238%)
Bear:
(PE: 12.9, Growth: 51.8%)
$467.16
(+125%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (32x PE), but valuation improves significantly next year (19x PE) as earnings recover.
Trailing PE: 31.90 | Current EPS (TTM): $6.88
Bull Case
$376.50
(+81%)
Analyst growth 56.0%, PE expands to 35.1
Base Case
$342.27
(+65%)
Market implied 56.0%, PE stable at 31.9
Bear Case
$149.23
(-28%)
Severe decline -20.0%, PE contracts to 27.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 04, 2026 3:29 PM ET
Data refreshes hourly during market hours. Next update: 4:29 PM
Data refreshes hourly during market hours. Next update: 4:29 PM
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Technical Signals Check
Is WRLD showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
John L Calmes Jr
SELL
1000 shares
2026-03-10
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