World Acceptance Corporation (WRLD) Fair Value 2026

WRLD · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.8 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (18/100)

Quick Summary — As of 2026-08-28, World Acceptance Corporation (WRLD) trades at $188.35, versus a $117.76 median fair value across its 6 active models — 37.5% below the current price. QOC: 6.8/10. Value Trap Risk: 18/100 (SAFE). 6/13 models active.

Key Facts

Ticker
WRLD
Price
$188.35
Quality Score
6.8/10
Value Trap Risk
18/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is World Acceptance Corporation (WRLD) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, World Acceptance Corporation (WRLD) appears overvalued as of : the median of 6 independent fair value estimates is $117.76, 37.5% below the current price of $188.35. Estimates range from $54.80 to $195.04. WRLD scores 6.8/10 on fundamental quality and 18/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. WRLD’s -37.5% gap is wider than that market norm, and the Credit Services sector median is +15.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy World Acceptance Corporation Stock in 2026? →

What Fair Value Does Each Model Give WRLD?

6 Intrinsic Value Models vs. Current Price ($188.35)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $93.30 -50.5%
Ensemble · Medium Conviction
 $107.16 -43.1%
Intrinsic · High Conviction
 $54.80 -70.9%
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What Is WRLD's Fair Value Range?

Spread across 6 independent models · $54.80 to $195.04

CirclFi's 6 active models place World Acceptance Corporation (WRLD) between $54.80 and $195.04 per share, a spread of 119% of the median. The median of that range — $117.76 — is the fair value CirclFi publishes for WRLD, against a current price of $188.35.

Low · ML-RIVHigh · Regime Cross
$54.80median $117.76$195.04
Where the range comes from
Most bearish modelML Residual Income$54.80
Most bullish modelRegime Cross-Sectional$195.04
Model agreement0 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for WRLD. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on WRLD, not a CirclFi price target. How each model works →

What Is World Acceptance Corporation (WRLD) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, World Acceptance Corporation's intrinsic value is estimated at $117.76, suggesting the stock is overvalued at its current price of $188.35. With 5 out of 6 models flagging downside (-37.5% vs price), the market may be pricing in unsustainable growth. Notably, Regime Cross sees the most upside at +3.6% (fair value: $195.04), while ML-RIV is the most conservative at -70.9% ($54.80). The spread between these extremes — +74.5% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About WRLD?

6 of 13 models are currently active for WRLD. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for WRLD is $117.76 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does WRLD Rank in Credit Services?

Among 54 Credit Services stocks, WRLD ranks #40 by Quality of Company score. CirclFi's QOC score of 6.8/10 evaluates 32 fundamental signals. A score of 6.8 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

As a financial institution, World Acceptance Corporation operates in a sector where net interest margin (NIM) is a critical driver of valuation. Investors evaluating WRLD should weigh these sector-specific dynamics alongside our model-derived fair values.

Is WRLD a Value Trap?

CirclFi's Value Trap algorithm assigns WRLD a score of 18/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for World Acceptance Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, World Acceptance Corporation's fundamental quality profile registers 6.8/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +74.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every WRLD valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across WRLD's 6 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy World Acceptance Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

SOFISoFi Technologies, Inc.QOC 6.9NAVINavient CorporationQOC 6.5UPSTUpstart Holdings, Inc.QOC 6.9PRAAPRA Group, Inc.QOC 6.4YRDYiren Digital Ltd.QOC 7.0JFJ and Friends Holdings LimitedQOC 5.9TROOTROOPS, Inc.QOC 2.7OPFIOppFi Inc.QOC 8.4OMFOneMain Holdings, Inc.QOC 7.5JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: SOFI · NAVI · UPST · PRAA · YRD · JF · TROO · OPFI · OMF · JFIN · MA

Which Other Stocks Have a Similar Quality Score to WRLD?

7 companies across all industries closest to WRLD’s Quality of Company score of 6.8/10.

CLRICleartronic, Inc.QOC 6.8DKLDelek Logistics Partners, LPQOC 6.8BVBrightView Holdings, Inc.QOC 6.8KOPNKopin CorporationQOC 6.8BHCBausch Health Companies Inc.QOC 6.8NXQuanex Building Products CorporationQOC 6.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CLRI · DKL · BV · KOPN · BHC · NX · NVDA

Where Does WRLD Sit in CirclFi's Credit Services Rankings?

WRLD is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About World Acceptance Corporation’s Valuation?

What is World Acceptance Corporation's intrinsic value in 2026?

CirclFi puts World Acceptance Corporation (WRLD)'s intrinsic value at $117.76 — the median of 6 independent model estimates as of 2026-08-28, ranging from $54.80 to $195.04. The Quality of Company score is 6.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is WRLD overvalued or undervalued right now?

At $188.35, 1 of 6 active models suggest WRLD may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $117.76, 37.5% below the current price of $188.35 — a consensus view that WRLD is overvalued. The assessment depends on which methodology best fits World Acceptance Corporation's business model in Credit Services.

What does a Quality of Company score of 6.8 mean for WRLD?

World Acceptance Corporation's QOC of 6.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on WRLD?

CirclFi analyzes WRLD with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on WRLD?

Of the 6 models currently active on WRLD, Regime Cross-Sectional is the most bullish at $195.04 per share, and ML Residual Income is the most bearish at $54.80. CirclFi's published fair value for WRLD is the median of that range, $117.76, not either extreme. The gap between the two ends equals 119% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is WRLD a value trap in 2026?

World Acceptance Corporation's Value Trap score is 18/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, World Acceptance Corporation (WRLD) has a median fair value of $117.76 — 37.5% below the current price of $188.35 — as of 2026-08-28.” Source: circlfi.com/stock/WRLD/ · Methodology
Primary sources for this WRLD valuation
  • Financial statements: World Acceptance Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000108385) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for WRLD as of ; valuations recomputed .

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