WRLD Valuation

World Acceptance Corp

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175.130

+7.3(4.350%)1D

Overview
Forecast
Valuation
Earnings

WRLD Relative Valuation

WRLD's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, WRLD is overvalued; if below, it's undervalued.

Historical Valuation

World Acceptance Corp (WRLD) is now in the Fair zone, suggesting that its current forward PS ratio of 1.57 is considered Fairly compared with the five-year average of 38.66. The fair price of World Acceptance Corp (WRLD) is between 106.85 to 171.90 according to relative valuation methord.

Relative Value

Fair Zone

106.85-171.90

Current Price：167.83

Fair

13.93

Trailing

Forward

0.00

EV/EBITDA

World Acceptance Corp. (WRLD) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 3.86. The thresholds are as follows: Strongly Undervalued below -9.49, Undervalued between -9.49 and -2.81, Fairly Valued between 10.53 and -2.81, Overvalued between 10.53 and 17.21, and Strongly Overvalued above 17.21. The current Forward EV/EBITDA of 0.00 falls within the Historic Trend Line -Fairly Valued range.

11.89

EV/EBIT

World Acceptance Corp. (WRLD) has a current EV/EBIT of 11.89. The 5-year average EV/EBIT is 12.68. The thresholds are as follows: Strongly Undervalued below 2.65, Undervalued between 2.65 and 7.66, Fairly Valued between 17.69 and 7.66, Overvalued between 17.69 and 22.70, and Strongly Overvalued above 22.70. The current Forward EV/EBIT of 11.89 falls within the Historic Trend Line -Fairly Valued range.

1.57

World Acceptance Corp. (WRLD) has a current PS of 1.57. The 5-year average PS is 1.36. The thresholds are as follows: Strongly Undervalued below 0.60, Undervalued between 0.60 and 0.98, Fairly Valued between 1.73 and 0.98, Overvalued between 1.73 and 2.11, and Strongly Overvalued above 2.11. The current Forward PS of 1.57 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

World Acceptance Corp. (WRLD) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

World Acceptance Corp. (WRLD) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

World Acceptance Corp (WRLD) has a current Price-to-Book (P/B) ratio of 2.04. Compared to its 3-year average P/B ratio of 1.66 , the current P/B ratio is approximately 23.01% higher. Relative to its 5-year average P/B ratio of 1.97, the current P/B ratio is about 3.30% higher. World Acceptance Corp (WRLD) has a Forward Free Cash Flow (FCF) yield of approximately 29.82%. Compared to its 3-year average FCF yield of 40.76%, the current FCF yield is approximately -26.82% lower. Relative to its 5-year average FCF yield of 34.79% , the current FCF yield is about -14.28% lower.

2.04

P/B

Median3y

1.66

Median5y

1.97

29.82

FCF Yield

Median3y

40.76

Median5y

34.79

Competitors Valuation Multiple

The average P/S ratio for WRLD's competitors is 0.94, providing a benchmark for relative valuation. World Acceptance Corp Corp (WRLD) exhibits a P/S ratio of 1.57, which is 65.71% above the industry average. Given its robust revenue growth of 2.26%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

WRLD.O

World Acceptance Corp

Lexinfintech Holdings Ltd

Willis Lease Finance Corp

Encore Capital Group Inc

0.61

24.89%

1.06B

Performance Decomposition

Market capitalization of WRLD increased by 42.25% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 4.96 to 11.25.

The secondary factor is the Revenue Growth, contributed 2.26%to the performance.

Overall, the performance of WRLD in the past 1 year is driven by P/E Change. Which is more unsustainable.

2.26%

129.53M → 132.45M

Revenue Growth

-86.85%

7.68 → 1.01

Margin Expansion

126.84%

4.96 → 11.25

P/E Change

42.25%