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WRLD

World AcceptanceF
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Successful stabilization of charge‑offs, improved vintage performance and restored funding drive multiple expansion and selective coverage upgrades, producing a materially higher equity value.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta 0.0.
What can break
Funding or liquidity strain requiring capital measures
Momentum
49
Value
51
Sentiment
25
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $3.39 · Bull $6.78 · Bear $1.70Analysis 2026-01-13; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-13 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade F · Defensive
Confidence Medium · Net Neutral
Target $210.00
Why
Momentum49 · Δ7d +7.3
Value51 · Δ7d +0.6
Sentiment25 · Δ7d 0.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta 0.0.

Contradictions & invalidation

  • • Funding or liquidity strain requiring capital measures
  • • Large divergence between legacy analyst targets and current market anchor
  • • Ongoing asset‑quality deterioration, funding constraints or regulatory headwinds force dilutive capital actions or severe de‑rating, compressing valuation significantly.

Catalyst clock

2026-04-13

Analyst coverage / target repricing

Lead driver: Sentiment · See AI snapshot
Momentum
49
9% active weight
Current posture
7d trendImproving
Δ7d
+7.3
Δ21d
-11.4
Value
51
28% active weight
Current posture
7d trendFlat
Δ7d
+0.6
Δ21d
+1.0
Sentiment
25
62% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
0.0
Why this grade

Composite grade F. Momentum 48.9 / Value 50.7 / Sentiment 24.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-13. Scenario method

B+
Bull case
15%
Probability
Target price
$6.78
Analysis reference price unavailable
Analysis 2026-01-13 · RankAlpha Sentiment AI
Most likely
B
Base case
70%
Probability
Target price
$3.39
Analysis reference price unavailable
Analysis 2026-01-13 · RankAlpha Sentiment AI
B-
Bear case
15%
Probability
Target price
$1.70
Analysis reference price unavailable
Analysis 2026-01-13 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$886M
Beta
1.20
Shares Out
4.66M
P/E (TTM)
14.0
P/S (TTM)
1.29
P/FCF (TTM)
2.90
Rev YoY
+4.8%
EPS YoY
+344.9%
Gross Margin
+98.5%
Op Margin
+17.4%
Net Debt
$631.82M
Current Ratio
0.43
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data