World Acceptance Corporation (WRLD) Stock Analysis & Winston Score

World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides automobile club memberships to its borrowers; and income tax return preparation and electronic filing services. In addition, the company markets and sells credit life, credit accident and health, credi

Winston Score History

Politician Trades

2 trades / 12mo

0 Congressional buys and 2 sells on WRLD in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.4% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-6.6% YoY

YoY Growth Rate

Earnings declining

Insider Activity

18.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$5M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

World Acceptance Corporation is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

33.4%

Excellent — 33.4% operating margin

ROCE

3.6%

Weak — 3.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+10.1%

Steady sales growth (10.1% YoY)

EPS YoY

+21.4%

Earnings growing fast (21.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

290%

Turns 290% of profit into real cash

FCF Margin

36.0%

Converts sales into free cash efficiently (36.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.56

Conservative — low debt load (0.56)

Interest Cover

2.19x

Tight — interest eats into profit (2.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

26.0x

no trend

Growth-priced — P/E 26.0

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+7.1

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (26.0 → 18.9)

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Dividends

Not applicable for this business.

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