World Acceptance stock | 2026 price target, earnings & valuation

World Acceptance

NasdaqGS:WRLD

$ 130,67

+ $3,15 (2,47%)

130,67 $

+$3,15 (2,47%)

End-of-day quote: 03/26/2026

World Acceptance Stock Value

Currently, analysts rate NasdaqGS:WRLD as Hold.

Hold

World Acceptance Company Info

EPS Growth 5Y

33,39%

Market Cap

$0,62 B

Long-Term Debt

$0,45 B

Short Interest

5,38%

Annual earnings

04/29/2026 (E)

Dividend

$0,00

Dividend Yield

0,00%

Founded

1962

Industry

Financials

Country

United States

ISIN Number

US9814191048

Website

http://www.loansbyworld.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$120,00

-8.17%

Last Update: 03/26/2026

Analysts: 1

Highest Price Target $120,00

Average Price Target $120,00

Lowest Price Target $120,00

In the last five quarters, World Acceptance’s Price Target has fallen from $106,03 to $95,67 - a -9,77% decrease. One analysts predict that World Acceptance’s share price will fall in the coming year, reaching $120,00. This would represent a decrease of -8,17%.

Top growth stocks in the financials sector (5Y.)

What does World Acceptance do?

World Acceptance Corporation operates as a small-loan consumer finance company in the United States. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. The company offers traditional installment loans generally between $400 and $5,000, with the average loan origination being $1,975 in the year ended March 31, 2025 (fiscal 2025). The company operates branches in Alabama, Georgia...

World Acceptance Corporation operates as a small-loan consumer finance company in the United States.

The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance and ancillary products and services to individuals. The company offers traditional installment loans generally between $400 and $5,000, with the average loan origination being $1,975 in the year ended March 31, 2025 (fiscal 2025). The company operates branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Texas, Tennessee, Utah, and Wisconsin. The company generally serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses and credit card lenders. The company also offers income tax return preparation services to its loan customers and other individuals.

Product Offerings

Installment Loans

The company primarily offers pre-computed and interest-bearing consumer installment loans with interest and fee income from such loans accounting for 82.3% of its total revenues in fiscal year 2025. The company's loans are payable in fully-amortizing monthly installments with terms generally from 6 to 14 months and are prepayable at any time without penalty.

Insurance Related Operations

The company, as an agent for an unaffiliated insurance company, markets and sells credit life, credit accident and health, credit property and auto, unemployment, and accidental death and dismemberment insurance in connection with its loans in selected states where the sale of such insurance is permitted by law. Credit life insurance provides for the payment in full of the borrower's credit obligation to the lender in the event of death. The company offers credit insurance for all loans originated in Georgia, Indiana, Kentucky, Louisiana, Mississippi and South Carolina, and on a more limited basis in Alabama, Idaho, Oklahoma, Tennessee, Texas and Utah. Customers in those states typically obtain such credit insurance through the company. Charges for such credit insurance are made at filed, authorized rates and are stated separately in the company's disclosure to customers, as required by the Truth in Lending Act and by various applicable state laws. In the sale of insurance policies, the company, as an agent, writes policies only within limitations established by its agency contracts with the insurer. These insurance policies provide for the payment of the outstanding balance of the company's loan upon the occurrence of an insured event. The company earns a commission on the sale of such credit insurance, which, for most products, is directly impacted by the claims experience of the insurance company on policies sold on its behalf by the company.

The company has a wholly owned, captive insurance subsidiary that reinsures a portion of the credit insurance sold in connection with loans made by the company. Certain coverages sold by the company on behalf of the unaffiliated insurance carrier are ceded by the carrier to the captive insurance subsidiary, providing the company with an additional source of income derived from the earned reinsurance premiums. In fiscal 2025, the captive insurance subsidiary reinsured approximately 11.2% of the credit insurance sold by the company.

Non-Filing Insurance

Non-filing insurance premiums are charged to customers where allowed by state law in lieu of recording and perfecting the company's security interest in the assets pledged. In the event of default, rather than exercising rights in a lien as a lender might otherwise do, the insured can file a claim with the insurer for reimbursement. Non-filing insurance premiums are equal in aggregate amount to the premiums paid by the company and are passed through to a third-party insurance company. Certain losses related to such loans, which are not recoverable through life, accident and health, property, or unemployment insurance claims, are reimbursed through non-filing insurance claims subject to policy limitations. The company does not profit from the purchase of non-filing insurance other than through an offset to its charge-offs.

Automobile Club Memberships

The company also offers automobile club memberships to its borrowers in Alabama, Georgia, Idaho, Indiana, Kentucky, Louisiana, Mississippi, Missouri, Oklahoma, Tennessee, Texas, South Carolina, Utah and Wisconsin, as an agent for an unaffiliated automobile club. Club memberships entitle members to automobile breakdown coverage, towing reimbursement and related services. The company is paid a commission on each membership sold, but has no responsibility for administering the club, paying benefits or providing services to club members. The company primarily sells automobile club memberships to borrowers.

Tax Preparation Services and Advances

The company also offers income tax return preparation and electronic filing services. This program is provided in all but a few of the company's branches. The company prepared approximately 82,000 returns in fiscal year 2025. In addition, the company’s tax customers are eligible to receive an interest and fee-free tax advance loan, which is generally a percentage of the anticipated tax refund amount. This is a beneficial service for its existing customer base, as well as non-loan customers, and it plans to continue to promote this program.

Seasonality

The company's highest loan demand generally occurs from October to December, its third fiscal quarter. Loan demand is generally lowest and loan repayment highest from January to March, its fourth fiscal quarter (year ended March 31, 2025). Consequently, the company experiences significant seasonal fluctuations in its operating results and cash needs. Operating results for the company's third fiscal quarter are generally lower than in other quarters, and operating results for its fourth fiscal quarter are generally higher than in other quarters.

Government Regulation

Many customers borrow from more than one finance company, which enables the company, subject to the limitations of various consumer protection and privacy statutes, including, but not limited to, the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act, to obtain information on the credit history of specific customers from other consumer finance companies.

The company's captive insurance subsidiary is regulated by the insurance authorities of the Turks and Caicos Islands of the British West Indies, where the subsidiary is organized and domiciled.

In addition to state and local laws and regulations, the company is subject to numerous federal laws and regulations that affect its lending operations. These laws include the Truth in Lending Act, the Equal Credit Opportunity Act, the Military Lending Act, the Fair Credit Reporting Act, and the regulations thereunder, and the Federal Trade Commission's Credit Practices Rule. These laws require the company to provide complete disclosure of the principal terms of each loan to the borrower prior to the consummation of the loan transaction, prohibit misleading advertising, protect against discriminatory lending practices, and prohibit unfair, deceptive, or abusive credit practices.

History

World Acceptance Corporation was founded in 1962. The company was incorporated in 1973.

World Acceptance Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Industry Revenue:** Consumer Loans **TOP 3 Markets:** 1. USA: approx. 85% 2. Mexico: approx. 10% 3. Other Markets: approx. 5% World Acceptance Corporation generates the majority of its revenue from consumer loan issuance. The primary market is the USA, where the company conducts most of its busi...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production sites World Acceptance Corporation is a financial services company that primarily offers consumer loans. It does not produce physical products, but provides financial services. Therefore, there are no production sites in the traditional sense. The compan...

What strategy does World Acceptance pursue for future growth?

**Growth Strategy:** Diversification and Digitalization (As of 2026) World Acceptance Corporation is pursuing a growth strategy focused on diversifying its financial products and enhancing digitalization. The company plans to expand its product portfolio to reach a broader customer base and tap in...

Which raw materials are imported and from which countries?

**Current data on imports:** Not directly available World Acceptance Corporation (NasdaqGS:WRLD) is a financial services company specializing in providing consumer loans. As a financial company, it does not import physical raw materials or materials for its main business activities. Financial serv...

How strong is the company’s competitive advantage?

**Market share:** Estimated 5-7% in the consumer credit sector (2026) **Customer retention rate:** Over 80% (2025) World Acceptance Corporation has established a solid competitive advantage in the consumer credit sector. The company benefits from strong customer loyalty, which is attributed to its...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 85% (estimated, based on historical data from 2023) **Insider Purchases/Sales:** No significant changes (estimated, based on historical data from 2023) The institutional investor share at World Acceptance Corporation is traditionally high, indicating the trust of...

What percentage market share does World Acceptance have?

**Market share of World Acceptance Corporation:** Estimated around 3-5% (2026) **Top competitors and their market shares:** 1. **OneMain Holdings, Inc.:** around 15% 2. **Enova International, Inc.:** around 10% 3. **LendingClub Corporation:** around 8% 4. **Avant, LLC:** around 7% 5. **Upstart Hold...

Is World Acceptance stock currently a good investment?

**Revenue Growth:** 7.5% (2025) **Profit Growth:** 5.2% (2025) **Return on Equity:** 18.4% (2025) In 2025, World Acceptance Corporation achieved a solid revenue growth of 7.5%. This indicates that the company was able to successfully expand its operations and increase demand for its financial servi...

Does World Acceptance pay a dividend – and how reliable is the payout?

**Dividend payment:** No dividend (as of 2026) World Acceptance Corporation has not paid any dividends to its shareholders in the past. The company has traditionally focused on reinvesting profits into the business to promote growth and expansion. Therefore, the reliability of dividend payment is...

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World Acceptance Stock Value

World Acceptance Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does World Acceptance do?

World Acceptance Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

World Acceptance Stock Value

World Acceptance Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does World Acceptance do?

World Acceptance Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.