WRLD Stock Analysis: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$188.27
4.33 (2.35%)
▲
5d:
-3.33%
30d:
+3.97%
90d:
+19.08%
BUY
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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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 8.2% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: WRLD shows positive signals but monitor for confirmation. Market pricing in 8.2% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$288.35
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$179.04
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 13.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $188.27, which is considered fair relative to its 30-day fair value range of $184.05 to $194.26. From a valuation perspective, the stock is trading at a premium (Forward PE: 17.6) compared to its historical average (13.8). At these levels, the market is pricing in 8.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, WRLD is in a strong uptrend. Immediate support is located at $178.57, while resistance sits at $197.48.
Market Sentiment: WRLD scores 65/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $210.00 (+11.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WRLD is in a strong uptrend. Immediate support is located at $178.57, while resistance sits at $197.48.
Market Sentiment: WRLD scores 65/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $210.00 (+11.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$184.05 -
$194.26
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (65/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($210.00)
- NEUTRAL: PE elevated vs history but 8.2% growth expectation is conservative given 343% recent growth
- BULLISH: Bottoming setup score 65/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$184.05 -
$194.26
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$178.57
Resistance Level
$197.48
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
17.55
Wall Street Target
$210.00
(+11.5%)
Revenue Growth (YoY)
4.8%
Earnings Growth (YoY)
343.3%
Profit Margin
6.6%
Valuation Premium vs History
+8.2% premium
PE vs Historical
17.6 vs 13.8
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+8.2%
(market-implied from PE analysis)
1-Year Target
$203.71
(+8%)
2-Year Target
$220.41
(+17%)
3-Year Target
$238.49
(+27%)
3-Yr Target (if PE normalizes)
(PE: 18→14)
PE COMPRESSION
$187.57
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 51.8%)
$726.81
(+286%)
Base:
(SPY PE: 17.5, Growth: 51.8%)
$635.41
(+238%)
Bear:
(PE: 13.8, Growth: 51.8%)
$499.75
(+165%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (23x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 23.34 | Current EPS (TTM): $7.88
Bull Case
$275.51
(+46%)
Analyst growth 36.2%, PE expands to 25.7
Base Case
$250.47
(+33%)
Market implied 36.2%, PE stable at 23.3
Bear Case
$125.08
(-34%)
Severe decline -20.0%, PE contracts to 19.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 7:29 PM ET
Data refreshes hourly during market hours. Next update: 8:29 PM
Data refreshes hourly during market hours. Next update: 8:29 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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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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