WRLD

World AcceptanceC

Nasdaq / Financial Services

At close

2026-07-21

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

Mixed

Lead driver

Momentum

What changed

Next scheduled catalyst: earnings 2026-07-24 · BMO.

What can break

Funding or liquidity strain requiring capital measures

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $3.39 · Bull $6.78 · Bear $1.70

Earnings

2026-07-24 · BMO

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-13 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $185.00

Why

Momentum87 · Δ7d -3.7

Value51 · Δ7d +0.2

Sentiment25 · Δ7d 0.0

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-3.7

Δ21d

-8.3

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+2.4

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

0.0

Δ21d

0.0

Why this grade

Composite grade C. Momentum 87.5 / Value 50.6 / Sentiment 25.1

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$876.19M

Beta

1.20

Shares Out

4.64M

P/E (TTM)

14.0

P/S (TTM)

1.29

P/FCF (TTM)

2.90

Rev YoY

+7.4%

EPS YoY

-5.3%

Gross Margin

+98.5%

Op Margin

+12.5%

Net Debt

$631.82M

Current Ratio

0.53

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology