Is PICS or WRLD more undervalued in 2026?

CirclFi compares PicS N.V. (PICS) and World Acceptance Corporation (WRLD) using 13 institutional-grade valuation models. PICS has a Quality of Company score of 1.7/10 while WRLD scores 6.3/10.

Which is a better buy — PICS or WRLD?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PICS and WRLD valuations compare?

PICS at $10.59 and WRLD at $165.09 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PICS vs WRLD Valuation Comparison 2026 — Intrinsic Value Analysis

PICS

Personal Credit Institutions

PicS N.V.

Quality

1.7

out of 10

Value Trap

—

Price

$10.59

Last close

Models

4/13

Active

WRLD

Personal Credit Institutions

World Acceptance Corporation

Quality

6.3

out of 10

Value Trap

SAFE

Price

$165.09

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	PICS Fair Value	PICS Upside	WRLD Fair Value	WRLD Upside
Bayesian DCF	Intrinsic	$2.85	-73.1%	$746.19	+352.0%
Earnings Power Value	Intrinsic	—	—	$18.19	-88.0%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$12.75	+20.4%	$85.61	-42.8%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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PICS vs WRLD — Which Stock Is More Undervalued?

WRLD scores higher with a 6.3/10 quality rating vs PICS's 1.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing PicS N.V. (PICS) and World Acceptance Corporation (WRLD) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PICS currently trades at $10.59 with a QOC of 1.7/10, while WRLD trades at $165.09 with a QOC of 6.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).