WORLD ACCEPTANCE CORP (WRLD)
Personal Credit Institutions · Financial Services · $806M
Intrinsic Value (Consensus)
$104.14
Current Price
$173.01
Margin of Safety
-39.8%
39.8% Above Intrinsic Value
Value: $104
Price: $173
Valuation Model Estimates
Current Price: $173.01
DCF (Discounted Cash Flow)
$863.28
Graham Number
$108.02
Earnings Power Value
$66.80
Relative Value (P/E)
$137.60
Dividend Discount Model
Not applicable
—
Consensus Value
$104.14
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
53
Profitability
15/25
Strength
15/25
Valuation
7/25
Growth
16/25
Financial Health Signals
Elevated debt — Debt/Equity ratio is 167%
High free cash flow yield (31.7%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $6.88
- EPS (Forward)
- $7.22
- Book Value
- $75.38
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 9.9%
- Debt/Equity
- 167%
- Revenue Growth
- 313.1%
- Earnings Growth
- 5.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance