WRLD Stock Analysis: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$196.29
-3.49 (-1.75%)
▼
5d:
-2.64%
30d:
+14.57%
90d:
+31.92%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 23, 2026
8d
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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 11.7% growth. Moderate conviction.
💡 BUY OPPORTUNITY: WRLD shows positive signals but monitor for confirmation. Market pricing in 11.7% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$273.73
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$169.96
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 13.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $196.29, which is considered fair relative to its 30-day fair value range of $173.47 to $208.76. From a valuation perspective, the stock is trading at a premium (Forward PE: 18.3) compared to its historical average (13.1). At these levels, the market is pricing in 11.7% annual earnings growth.
Technical Outlook: Technically, WRLD is in a strong uptrend. The price is approaching resistance at $174.68. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, WRLD is in a strong uptrend. The price is approaching resistance at $174.68. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$173.47 -
$208.76
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BEARISH: Trading above Wall St target ($185.00)
- BULLISH: Expecting earnings turnaround to 11.7% growth with 7.3% revenue growth
Trading Range Analysis
30-Day Trading Range
$173.47 -
$208.76
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$155.08
Resistance Level
$174.68
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
18.29
Wall Street Target
$185.00
(-5.8%)
Revenue Growth (YoY)
7.3%
Earnings Growth (YoY)
-5.4%
Profit Margin
5.9%
Valuation Premium vs History
+11.7% premium
PE vs Historical
18.3 vs 13.1
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+11.7%
(market-implied from PE analysis)
1-Year Target
$219.26
(+12%)
2-Year Target
$244.91
(+25%)
3-Year Target
$273.56
(+39%)
3-Yr Target (if PE normalizes)
(PE: 18→13)
PE COMPRESSION
$195.90
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 51.8%)
$788.74
(+302%)
Base:
(SPY PE: 18.3, Growth: 51.8%)
$662.48
(+238%)
Bear:
(PE: 13.1, Growth: 51.8%)
$474.40
(+142%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (29x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 29.00 | Current EPS (TTM): $6.89
Bull Case
$342.24
(+74%)
Analyst growth 55.7%, PE expands to 31.9
Base Case
$311.12
(+59%)
Market implied 55.7%, PE stable at 29.0
Bear Case
$135.85
(-31%)
Severe decline -20.0%, PE contracts to 24.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 14, 2026 5:09 AM ET
Data refreshes hourly during market hours. Next update: 6:09 AM
Data refreshes hourly during market hours. Next update: 6:09 AM
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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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