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Stocks Under $10 with 50-100% upside potential - 14 days FREE!

World Acceptance Corp
WRLD : NASDAQ : Financial
$75.43 -0.18 | -0.24%
Today's Range: 74.73 - 76.73
Avg. Daily Volume: 155,400
07/14/14 - 12:25 PM ET

Financial Analysis


WORLD ACCEPTANCE CORP/DE's gross profit margin for the fourth quarter of its fiscal year 2013 is essentially unchanged when compared to the same period a year ago. The company has grown sales and net income during the past quarter when compared with the same quarter a year ago, however, it was unable to keep up with the growth of the average competitor within its industry.

During the same period, stockholders' equity ("net worth") has decreased by 16.11% from the same quarter last year.

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Income Statement Q4 FY13 Q4 FY12
Net Sales ($mil)161.93161.84
EBITDA ($mil)70.0667.42
EBIT ($mil)68.2565.34
Net Income ($mil)38.9837.9


Balance Sheet Q4 FY13 Q4 FY12
Cash & Equiv. ($mil)19.5711.63
Total Assets ($mil)850.03809.33
Total Debt ($mil)505.5400.25
Equity ($mil)307.36366.4


Profitability Q4 FY13 Q4 FY12
Gross Profit Margin43.2741.66
EBITDA Margin43.2641.65
Operating Margin42.1540.37
Sales Turnover0.730.72
Return on Assets12.5412.86
Return on Equity34.6828.4
Debt Q4 FY13 Q4 FY12
Current Ratio0.00.0
Debt/Capital0.620.52
Interest Expense5.695.0
Interest Coverage11.9913.07


Share Data Q4 FY13 Q4 FY12
Shares outstanding (mil)10.2612.17
Div / share0.00.0
EPS3.523.01
Book value / share29.9530.1
Institutional Own % n/a n/a
Avg Daily Volume155529.0242509.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 16.26 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 19.48. To use another comparison, its price-to-book ratio of 2.52 indicates valuation on par with the S&P 500 average of 2.69 and a discount versus the industry average of 3.34. The price-to-sales ratio is below the S&P 500 average and is well below 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.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
WRLD 8.23 Peers 16.26   WRLD 3.15 Peers 13.37

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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
WRLD 6.11 Peers 14.23   WRLD 0.41 Peers 1.66

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.

 

Discount. 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 trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
WRLD 2.52 Peers 3.34   WRLD 15.49 Peers 14.25

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 discount to its peers.

 

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

WRLD is expected to keep pace with its peers on the basis of earnings growth.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
WRLD 1.25 Peers 2.52   WRLD 5.81 Peers 3.67

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.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

WRLD has a sales growth rate that significantly exceeds its peers.

 

 

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