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World Acceptance Corp
WRLD : NASDAQ : Financial
$85.82 0.20 | 0.23%
Today's Range: 85.30 - 86.32
Avg. Daily Volume: 126,300
08/19/14 - 4:00 PM ET

Financial Analysis


WORLD ACCEPTANCE CORP/DE's gross profit margin for the first quarter of its fiscal year 2014 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.

During the same period, stockholders' equity ("net worth") has decreased by 19.72% from the same quarter last year.

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Income Statement Q1 FY14 Q1 FY13
Net Sales ($mil)150.31145.27
EBITDA ($mil)0.043.24
EBIT ($mil)41.7141.33
Net Income ($mil)22.5623.11


Balance Sheet Q1 FY14 Q1 FY13
Cash & Equiv. ($mil)16.0511.4
Total Assets ($mil)878.87843.53
Total Debt ($mil)548.1448.95
Equity ($mil)284.3354.17


Profitability Q1 FY14 Q1 FY13
Gross Profit Margin27.7529.76
EBITDA Margin0.029.76
Operating Margin27.7528.45
Sales Turnover0.710.71
Return on Assets12.0612.39
Return on Equity37.329.53
Debt Q1 FY14 Q1 FY13
Current Ratio0.00.0
Debt/Capital0.660.56
Interest Expense5.574.68
Interest Coverage7.498.84


Share Data Q1 FY14 Q1 FY13
Shares outstanding (mil)9.611.78
Div / share0.00.0
EPS2.191.87
Book value / share29.6130.08
Institutional Own % n/a n/a
Avg Daily Volume126435.0252540.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 15.56 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 19.39. To use another comparison, its price-to-book ratio of 2.77 indicates valuation on par with the S&P 500 average of 2.68 and a discount versus the industry average of 2.89. 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 8.65 Peers 15.56   WRLD NA Peers 16.43

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.

 

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

Ratio not available.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
WRLD 6.70 Peers 13.47   WRLD 0.48 Peers 1.75

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 2.77 Peers 2.89   WRLD 16.01 Peers 12.40

Average. 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 valuation on par with 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 significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
WRLD 1.27 Peers 2.45   WRLD 4.45 Peers 15.65

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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