World Acceptance Corp

Find Ratings Reports
WRLD : NASDAQ : Financial
$53.61 up 0.24 | 0.45%
Today's Range: 52.83 - 53.80
Avg. Daily Volume: 124,200
07/26/16 - 2:27 PM ET

Financial Analysis


WORLD ACCEPTANCE CORP/DE's gross profit margin for the fourth quarter of its fiscal year 2015 has decreased when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its industry.

During the same period, stockholders' equity ("net worth") has increased by 24.18% 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 FY15 Q4 FY14
Net Sales ($mil)144.14151.37
EBITDA ($mil)55.0268.28
EBIT ($mil)53.2166.48
Net Income ($mil)29.8348.51


Balance Sheet Q4 FY15 Q4 FY14
Cash & Equiv. ($mil)12.3838.34
Total Assets ($mil)806.22866.13
Total Debt ($mil)374.69501.15
Equity ($mil)391.9315.57


Profitability Q4 FY15 Q4 FY14
Gross Profit Margin38.1745.11
EBITDA Margin38.1745.1
Operating Margin36.9243.92
Sales Turnover0.690.69
Return on Assets10.8412.79
Return on Equity22.335.12
Debt Q4 FY15 Q4 FY14
Current Ratio0.00.0
Debt/Capital0.490.61
Interest Expense6.965.67
Interest Coverage7.6511.72


Share Data Q4 FY15 Q4 FY14
Shares outstanding (mil)8.818.97
Div / share0.00.0
EPS3.425.34
Book value / share44.4735.18
Institutional Own % n/a n/a
Avg Daily Volume123902.0138142.0

Valuation


HOLD. WORLD ACCEPTANCE CORP/DE's P/E ratio indicates a significant discount compared to an average of 15.45 for the Consumer Finance industry and a significant discount compared to the S&P 500 average of 25.05. Conducting a second comparison, its price-to-book ratio of 1.21 indicates a significant discount versus the S&P 500 average of 2.81 and a discount versus the industry average of 1.85. 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 5.37 Peers 15.45   WRLD 2.31 Peers 4.98

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 5.98 Peers 10.55   WRLD NM Peers 1.21

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.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
WRLD 1.21 Peers 1.85   WRLD -16.05 Peers -86.62

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 0.85 Peers 1.68   WRLD -6.18 Peers 5.20

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