WRLD Stock Analysis: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$153.17
2.88 (1.92%)
▲
5d:
+2.32%
30d:
+17.05%
90d:
+16.79%
BUY
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: May 05, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: WRLD shows positive signals but monitor for confirmation. Market pricing in 6.3% growth. Moderate conviction.
💡 BUY OPPORTUNITY: WRLD shows positive signals but monitor for confirmation. Market pricing in 6.3% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$248.65
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$154.39
0.8% 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 11.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $153.17, which is considered slightly high relative to its 30-day fair value range of $141.61 to $153.37. From a valuation perspective, the stock is trading at a premium (Forward PE: 14.3) compared to its historical average (11.9). At these levels, the market is pricing in 6.3% annual earnings growth.
Technical Outlook: Technically, WRLD is in a uptrend. The price is approaching resistance at $156.15. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), 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 uptrend. The price is approaching resistance at $156.15. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), 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
SLIGHTLY HIGH
Historical Trading Range
$141.61 -
$153.37
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BEARISH: Trading above Wall St target ($141.00)
- BULLISH: Expecting earnings turnaround to 6.3% growth with 7.5% revenue growth
Trading Range Analysis
30-Day Trading Range
$141.61 -
$153.37
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$139.30
Resistance Level
$156.15
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
14.27
Wall Street Target
$141.00
(-7.9%)
Revenue Growth (YoY)
7.5%
Earnings Growth (YoY)
-5.3%
Profit Margin
6.0%
Valuation Premium vs History
+6.3% premium
PE vs Historical
14.3 vs 11.9
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.3%
(market-implied from PE analysis)
1-Year Target
$162.82
(+6%)
2-Year Target
$173.08
(+13%)
3-Year Target
$183.98
(+20%)
3-Yr Target (if PE normalizes)
(PE: 14→12)
PE COMPRESSION
$153.37
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 51.8%)
$799.24
(+422%)
Base:
(SPY PE: 14.3, Growth: 51.8%)
$516.95
(+238%)
Bear:
(PE: 11.9, Growth: 51.8%)
$430.94
(+181%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (22x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 21.56 | Current EPS (TTM): $6.97
Bull Case
$254.50
(+66%)
Analyst growth 53.9%, PE expands to 23.7
Base Case
$231.36
(+51%)
Market implied 53.9%, PE stable at 21.6
Bear Case
$102.20
(-33%)
Severe decline -20.0%, PE contracts to 18.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 16, 2026 7:24 AM ET
Data refreshes hourly during market hours. Next update: 8:24 AM
Data refreshes hourly during market hours. Next update: 8:24 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
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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