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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
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
Funding or liquidity strain requiring capital measures
Momentum
50
Value
51
Sentiment
21
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 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-13 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade F · Defensive
Confidence Medium · Net Neutral
Target $180.00
Why
Momentum50 · Δ7d +6.9
Value51 · Δ7d -0.2
Sentiment21 · Δ7d 0.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.2.

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: Value · See fundamentals
Momentum
50
8% active weight
Current posture
7d trendImproving
Δ7d
+6.9
Δ21d
+5.3
Value
51
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
+1.4
Sentiment
21
45% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
0.0
Why this grade

Composite grade F. Momentum 49.9 / Value 51.4 / Sentiment 20.9

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 2026-10-27
Market Cap
$791.95M
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 2026-10-27 • Updated nightlySource: Internal modelMethods & Data