World Acceptance (WRLD) Stock: Buy, Sell, or Hold?
$139.30
-0.64 (-0.46%)
▼
5d:
-13.53%
30d:
-21.41%
90d:
-25.78%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (57%)
Quality Score
42/100
Position
OVERSOLD
30-Day Fair Range
$155.17 – $177.74
Position: OVERSOLD
Forward P/E & Valuation
13.0x
FAIR
vs 14.4x historical avg
Wall Street Target
$180.00
+29.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$136.61 / $178.09
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
⏸️ WAIT FOR STABILIZATION: WRLD is down 13.5% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$300.89
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$186.83
25.4% 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 14.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $139.30, which is considered oversold relative to its 30-day fair value range of $155.17 to $177.74. The stock's valuation (Forward PE: 13.0) is in line with its historical norms (14.4). Remarkably, the market is currently pricing in an annual earnings decline of 3.5% over the next few years. This pessimistic expectation contrasts with the company's recent 343.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WRLD is in a downtrend. The price is currently testing key support at $136.61. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WRLD scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $180.00 (+29.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, WRLD is in a downtrend. The price is currently testing key support at $136.61. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WRLD scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $180.00 (+29.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$155.17 -
$177.74
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Trading Range & Key Levels
30-Day Trading Range
$155.17 -
$177.74
Current vs Trading Range
OVERSOLD
Support Level
$136.61
Resistance Level
$178.09
Current Trend
Downtrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (35/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 29.2% below Wall St target ($180.00)
- WARNING: Composite score 42/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
12.98
Wall Street Target
$180.00
(+29.2%)
Revenue Growth (YoY)
3.5%
Earnings Growth (YoY)
343.3%
Profit Margin
8.3%
Valuation Discount vs History
-3.5% cheaper
PE vs Historical
13.0 vs 14.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.5%
(market-implied from PE analysis)
1-Year Target
$134.42
(-4%)
2-Year Target
$129.72
(-7%)
3-Year Target
$125.18
(-10%)
3-Yr Target (if PE normalizes)
(PE: 13→14)
$138.85
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 51.8%)
$719.21
(+416%)
Base:
(SPY PE: 13.0, Growth: 51.8%)
$470.14
(+238%)
Bear:
(PE: 11.0, Growth: 51.8%)
$399.62
(+187%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 13.67 | Current EPS (TTM): $10.24
Bull Case
$161.30
(+16%)
Analyst growth 4.8%, PE expands to 15.0
Base Case
$146.64
(+5%)
Market implied 4.8%, PE stable at 13.7
Bear Case
$95.16
(-32%)
Severe decline -20.0%, PE contracts to 11.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.0 to 14.4
Stabilization Target:
$154.51
(+10.9%)
PE Expansion Potential:
+10.9%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (WRLD)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jul 24, 2026
Daily AI digest
AI Retail Discussion Summary:
World Acceptance reported stronger-than-expected Q1 earnings with revenue growth and lower provision expense, driving up adjusted EPS to $2.12. The company also saw improvements in credit quality metrics.
Key Retail Themes:
Earnings Report
Revenue Growth
Credit Quality Improvement
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 4:08 AM ET
Data refreshes hourly during market hours. Next update: 5:08 AM
Data refreshes hourly during market hours. Next update: 5:08 AM
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Technical Signals Check
Is WRLD showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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