World Acceptance (WRLD) Stock: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$169.66
2.81 (1.69%)
▲
5d:
-1.58%
30d:
-0.24%
90d:
-17.11%
HOLD
MODERATE Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 23, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WRLD is fairly valued with market pricing in 3.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: WRLD is fairly valued with market pricing in 3.2% annual growth. Fine to hold or accumulate slowly on dips.
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
9.2% 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 $169.66, which is considered slightly low relative to its 30-day fair value range of $168.97 to $180.90. The stock's valuation (Forward PE: 15.8) is in line with its historical norms (14.4). At these levels, the market is pricing in 3.2% 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 downtrend. Immediate support is located at $164.50, while resistance sits at $179.67.
Market Sentiment: The stock scores a mixed 55/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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 downtrend. Immediate support is located at $164.50, while resistance sits at $179.67.
Market Sentiment: The stock scores a mixed 55/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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
SLIGHTLY LOW
Historical Trading Range
$168.97 -
$180.90
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($180.00)
- NEUTRAL: Market pricing in 3.2% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (55/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$168.97 -
$180.90
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$164.50
Resistance Level
$179.67
Current Trend
Downtrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
15.81
Wall Street Target
$180.00
(+6.1%)
Revenue Growth (YoY)
4.8%
Earnings Growth (YoY)
343.3%
Profit Margin
6.6%
Valuation Premium vs History
+3.2% premium
PE vs Historical
15.8 vs 14.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.2%
(market-implied from PE analysis)
1-Year Target
$175.08
(+3%)
2-Year Target
$180.69
(+7%)
3-Year Target
$186.47
(+10%)
3-Yr Target (if PE normalizes)
(PE: 16→14)
PE COMPRESSION
$169.82
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 51.8%)
$719.21
(+324%)
Base:
(SPY PE: 15.8, Growth: 51.8%)
$572.59
(+238%)
Bear:
(PE: 13.4, Growth: 51.8%)
$486.70
(+187%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (16x PE) as earnings recover.
Trailing PE: 21.01 | Current EPS (TTM): $7.94
Bull Case
$248.01
(+46%)
Analyst growth 35.1%, PE expands to 23.1
Base Case
$225.47
(+33%)
Market implied 35.1%, PE stable at 21.0
Bear Case
$113.45
(-33%)
Severe decline -20.0%, PE contracts to 17.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 11:33 PM ET
Data refreshes hourly during market hours. Next update: 12:33 AM
Data refreshes hourly during market hours. Next update: 12:33 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
NEUTRAL
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