Is TROO or WRLD more undervalued in 2026?

CirclFi compares TROOPS, Inc. (TROO) and World Acceptance Corporation (WRLD) using 13 institutional-grade valuation models. TROO has a Quality of Company score of 2.3/10 while WRLD scores 6.3/10.

Which is a better buy — TROO 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 TROO and WRLD valuations compare?

TROO at $3.98 and WRLD at $161.51 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TROO vs WRLD Valuation Comparison 2026 — Intrinsic Value Analysis

TROO

Credit Services

TROOPS, Inc.

Quality

2.3

out of 10

Value Trap

—

Price

$3.98

Last close

Models

12/13

Active

WRLD

Credit Services

World Acceptance Corporation

Quality

6.3

out of 10

Value Trap

SAFE

Price

$161.51

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	TROO Fair Value	TROO Upside	WRLD Fair Value	WRLD Upside
Bayesian DCF	Intrinsic	$0.79	-80.1%	$730.70	+352.4%
Earnings Power Value	Intrinsic	$0.25	-94.4%	$18.19	-88.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for TROO vs WRLD — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

TROO vs WRLD — Which Stock Is More Undervalued?

WRLD scores higher with a 6.3/10 quality rating vs TROO's 2.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing TROOPS, Inc. (TROO) 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.

TROO currently trades at $3.98 with a QOC of 2.3/10, while WRLD trades at $161.51 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).