World Acceptance (WRLD) Stock: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$174.44
2.81 (1.64%)
▲
5d:
+1.42%
30d:
-8.46%
90d:
-13.48%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 22, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WRLD is fairly valued with market pricing in 4.4% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: WRLD is fairly valued with market pricing in 4.4% 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
$298.80
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$185.53
6.0% 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 14.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $174.44, which is considered oversold relative to its 30-day fair value range of $175.20 to $191.80. From a valuation perspective, the stock is trading at a premium (Forward PE: 16.3) compared to its historical average (14.3). At these levels, the market is pricing in 4.4% 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 uptrend. Immediate support is located at $167.39, while resistance sits at $181.47.
Market Sentiment: WRLD scores 80/100 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 (+20.4%). 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 uptrend. Immediate support is located at $167.39, while resistance sits at $181.47.
Market Sentiment: WRLD scores 80/100 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 (+20.4%). 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
OVERSOLD
Historical Trading Range
$175.20 -
$191.80
Company Quality Score
67/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
91.4%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (80/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.4% below Wall St target ($210.00)
- NEUTRAL: Market pricing in 4.4% annual earnings growth - fairly valued
- CAUTION: Bottoming setup, but lagging the sector by 23% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$175.20 -
$191.80
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$167.39
Resistance Level
$181.47
Current Trend
Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
16.26
Wall Street Target
$210.00
(+20.4%)
Revenue Growth (YoY)
4.8%
Earnings Growth (YoY)
343.3%
Profit Margin
6.6%
Valuation Premium vs History
+4.4% premium
PE vs Historical
16.3 vs 14.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.4%
(market-implied from PE analysis)
1-Year Target
$182.12
(+4%)
2-Year Target
$190.13
(+9%)
3-Year Target
$198.49
(+14%)
3-Yr Target (if PE normalizes)
(PE: 16→14)
PE COMPRESSION
$174.60
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 51.8%)
$738.76
(+324%)
Base:
(SPY PE: 16.3, Growth: 51.8%)
$588.74
(+238%)
Bear:
(PE: 13.8, Growth: 51.8%)
$500.42
(+187%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (22x PE), but valuation improves significantly next year (16x PE) as earnings recover.
Trailing PE: 21.59 | Current EPS (TTM): $7.95
Bull Case
$254.81
(+46%)
Analyst growth 35.0%, PE expands to 23.8
Base Case
$231.65
(+33%)
Market implied 35.0%, PE stable at 21.6
Bear Case
$116.71
(-33%)
Severe decline -20.0%, PE contracts to 18.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 9:46 PM ET
Data refreshes hourly during market hours. Next update: 10:46 PM
Data refreshes hourly during market hours. Next update: 10:46 PM
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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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