WRLD Stock Analysis: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$188.10
8.29 (4.61%)
▲
5d:
-3.95%
30d:
-9.56%
90d:
+23.73%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 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 SIGNAL: WRLD shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
✅ BUY SIGNAL: WRLD shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$282.08
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$175.15
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 13.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $188.10, which is considered slightly low relative to its 30-day fair value range of $185.54 to $209.44. From a valuation perspective, the stock is trading at a premium (Forward PE: 17.5) compared to its historical average (13.5). At these levels, the market is pricing in 9.1% 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 $175.89, while resistance sits at $217.63. The stock is showing strong short-term momentum, up 4.6% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $210.00 (+11.6%). 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 $175.89, while resistance sits at $217.63. The stock is showing strong short-term momentum, up 4.6% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $210.00 (+11.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$185.54 -
$209.44
Company Quality Score
41/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.9%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.6%)
- BULLISH: Trading below Wall St target ($210.00)
- NEUTRAL: PE elevated vs history but 9.1% growth expectation is conservative given 432% recent growth
Trading Range Analysis
30-Day Trading Range
$185.54 -
$209.44
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$175.89
Resistance Level
$217.63
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
17.53
Wall Street Target
$210.00
(+11.6%)
Revenue Growth (YoY)
5.1%
Earnings Growth (YoY)
432.0%
Profit Margin
6.6%
Valuation Premium vs History
+9.1% premium
PE vs Historical
17.5 vs 13.5
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+9.1%
(market-implied from PE analysis)
1-Year Target
$205.22
(+9%)
2-Year Target
$223.89
(+19%)
3-Year Target
$244.27
(+30%)
3-Yr Target (if PE normalizes)
(PE: 18→14)
PE COMPRESSION
$188.11
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 51.8%)
$750.71
(+299%)
Base:
(SPY PE: 17.5, Growth: 51.8%)
$634.84
(+238%)
Bear:
(PE: 13.5, Growth: 51.8%)
$488.89
(+160%)
📈
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: 23.43 | Current EPS (TTM): $7.73
Bull Case
$276.52
(+54%)
Analyst growth 38.8%, PE expands to 25.8
Base Case
$251.38
(+40%)
Market implied 38.8%, PE stable at 23.4
Bear Case
$123.15
(-32%)
Severe decline -20.0%, PE contracts to 19.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 5:18 PM ET
Data refreshes hourly during market hours. Next update: 6:18 PM
Data refreshes hourly during market hours. Next update: 6:18 PM
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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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