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World Acceptance Corp
WRLD : NASDAQ : Financial
$43.05 -0.09 | -0.21%
Today's Range: 42.17 - 43.06
Avg. Daily Volume: 197,400
12/01/15 - 1:22 PM ET

Financial Analysis

WORLD ACCEPTANCE CORP/DE's gross profit margin for the second quarter of its fiscal year 2015 is essentially unchanged when compared to the same period a year ago. Sales and net income have dropped, although the growth in revenues underperformed the average competitor within the industry, the net income growth did not.

During the same period, stockholders' equity ("net worth") has increased by 18.13% from the same quarter last year.

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Income Statement Q2 FY15 Q2 FY14
Net Sales ($mil)136.41148.19
EBITDA ($mil)37.1642.16
EBIT ($mil)35.4240.35
Net Income ($mil)19.1921.27

Balance Sheet Q2 FY15 Q2 FY14
Cash & Equiv. ($mil)12.5614.63
Total Assets ($mil)863.58889.98
Total Debt ($mil)489.59559.7
Equity ($mil)346.84293.61

Profitability Q2 FY15 Q2 FY14
Gross Profit Margin27.2428.45
EBITDA Margin27.2428.44
Operating Margin25.9627.23
Sales Turnover0.660.69
Return on Assets12.7111.88
Return on Equity31.6636.02
Debt Q2 FY15 Q2 FY14
Current Ratio0.00.0
Interest Expense7.276.03
Interest Coverage4.876.7

Share Data Q2 FY15 Q2 FY14
Shares outstanding (mil)8.869.45
Div / share0.00.0
Book value / share39.1331.06
Institutional Own % n/a n/a
Avg Daily Volume196124.0331788.0


HOLD. This stock's P/E ratio indicates a discount compared to an average of 11.89 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 22.01. Conducting a second comparison, its price-to-book ratio of 1.04 indicates a significant discount versus the S&P 500 average of 2.78 and a discount versus the industry average of 2.23. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, WORLD ACCEPTANCE CORP/DE proves to trade at a discount to investment alternatives within the industry.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
WRLD 3.31 Peers 11.89   WRLD 1.69 Peers 7.15

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

WRLD is trading at a significant discount to its peers.


Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

WRLD is trading at a significant discount to its peers.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
WRLD 3.89 Peers 13.63   WRLD NM Peers 1.03

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

WRLD is trading at a significant discount to its peers.


Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

WRLD's negative PEG ratio makes this valuation measure meaningless.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
WRLD 1.04 Peers 2.23   WRLD 19.92 Peers 17.38

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

WRLD is trading at a significant discount to its peers.


Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

WRLD is expected to have an earnings growth rate that exceeds its peers.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
WRLD 0.63 Peers 2.09   WRLD -6.95 Peers 18.32

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

WRLD is trading at a significant discount to its industry on this measurement.


Lower. A sales growth rate that trails the industry implies that a company is losing market share.

WRLD significantly trails its peers on the basis of sales growth



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