World Acceptance Corp

Find Ratings Reports
WRLD : NASDAQ : Financial
$76.66 -0.39 | -0.51%
Today's Range: 75.9 - 77.05
Avg. Daily Volume: 180600.0
07/26/17 - 10:17 AM ET

Financial Analysis


WORLD ACCEPTANCE CORP/DE's gross profit margin for the fourth quarter of its fiscal year 2016 is essentially unchanged when compared to the same period a year ago. The company has grown its sales and net income during the past quarter when compared with the same quarter a year ago, and although its growth in net income has outpaced the industry average, its revenue growth has not.

During the same period, stockholders' equity ("net worth") has increased by 17.64% from the same quarter last year.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. To learn more visit www.TheStreetRatings.com.



Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)144.57144.22
EBITDA ($mil)55.7655.09
EBIT ($mil)53.953.29
Net Income ($mil)31.8529.83


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)15.212.38
Total Assets ($mil)800.59806.22
Total Debt ($mil)295.14374.69
Equity ($mil)461.06391.9


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin38.5738.2
EBITDA Margin38.5738.2
Operating Margin37.2836.95
Sales Turnover0.660.69
Return on Assets9.1910.84
Return on Equity15.9622.3
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.390.49
Interest Expense5.126.96
Interest Coverage10.527.66


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)8.788.81
Div / share0.00.0
EPS3.643.42
Book value / share52.544.47
Institutional Own % n/a n/a
Avg Daily Volume176100.0120650.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 14.82 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 24.66. Conducting a second comparison, its price-to-book ratio of 1.43 indicates a significant discount versus the S&P 500 average of 3.07 and a discount versus the industry average of 2.25. 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.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
WRLD 8.97 Peers 14.82   WRLD 3.01 Peers 5.36

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 9.06 Peers 14.09   WRLD 10.08 Peers 6.39

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.

 

Premium. 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 premium to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
WRLD 1.43 Peers 2.25   WRLD -16.52 Peers -38.46

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 significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
WRLD 1.24 Peers 1.90   WRLD -4.89 Peers 5.72

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

 

 

Latest Stock Upgrades/Downgrades