World Acceptance (WRLD) Stock: Buy, Sell, or Hold?
WRLD - World Acceptance Corp
$190.75
0.75 (0.39%)
▲
5d:
-0.49%
30d:
+0.58%
90d:
+7.79%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WRLD trades at premium valuation expecting 8.0% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: WRLD trades at premium valuation expecting 8.0% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$294.62
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$182.94
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 14.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WRLD is currently trading at $190.75, which is considered fair relative to its 30-day fair value range of $186.02 to $192.38. From a valuation perspective, the stock is trading at a premium (Forward PE: 17.8) compared to its historical average (14.1). At these levels, the market is pricing in 8.0% 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. The price is approaching resistance at $195.55. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $210.00 (+10.1%). 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 strong uptrend. The price is approaching resistance at $195.55. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $210.00 (+10.1%). 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
FAIR
Historical Trading Range
$186.02 -
$192.38
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (49/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($210.00)
- NEUTRAL: PE elevated vs history but 8.0% growth expectation is conservative given 343% recent growth
- NEUTRAL: Bottoming setup forming (49/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$186.02 -
$192.38
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$180.01
Resistance Level
$195.55
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
17.78
Wall Street Target
$210.00
(+10.1%)
Revenue Growth (YoY)
4.8%
Earnings Growth (YoY)
343.3%
Profit Margin
6.6%
Valuation Premium vs History
+8.0% premium
PE vs Historical
17.8 vs 14.1
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+8.0%
(market-implied from PE analysis)
1-Year Target
$206.01
(+8%)
2-Year Target
$222.49
(+17%)
3-Year Target
$240.29
(+26%)
3-Yr Target (if PE normalizes)
(PE: 18→14)
PE COMPRESSION
$190.59
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 51.8%)
$730.43
(+283%)
Base:
(SPY PE: 17.8, Growth: 51.8%)
$643.78
(+238%)
Bear:
(PE: 14.1, Growth: 51.8%)
$510.61
(+168%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (24x PE), but valuation improves significantly next year (18x PE) as earnings recover.
Trailing PE: 23.93 | Current EPS (TTM): $7.94
Bull Case
$282.44
(+48%)
Analyst growth 35.1%, PE expands to 26.3
Base Case
$256.76
(+35%)
Market implied 35.1%, PE stable at 23.9
Bear Case
$129.20
(-32%)
Severe decline -20.0%, PE contracts to 20.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 8:37 PM ET
Data refreshes hourly during market hours. Next update: 9:37 PM
Data refreshes hourly during market hours. Next update: 9:37 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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