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 $224.90, presenting a divided outlook at the current price of $194.54. With an average implied return of +15.6% across a split 5–6 (bull–bear) consensus, the model spread of +344.8% underscores analytical uncertainty. Notably, RCMH-DCF sees the most upside at +257.5% (fair value: $695.48), while First Chicago is the most conservative at -87.3% ($24.75). The spread between these extremes — +344.8% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About WRLD?
12 of 13 models are currently active for WRLD. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates WRLD's intrinsic value at $568.11, implying +192.0% upside from the current price. See which stocks rank higher →
How Does WRLD Rank in Personal Credit Institutions?
Among 11 Personal Credit Institutions stocks, WRLD ranks #10 by Quality of Company score. CirclFi's QOC score of 5.8/10 evaluates 32 fundamental signals. A score of 5.8 reflects mixed fundamentals.
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 20/100 (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
12 of 13 models are active for World Acceptance Corporation. Broad coverage provides high confidence. 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 5.8/10. 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 +344.8% — 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 12 active models, average confidence is 37%. 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 →
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