WRLD PEER ANALYSIS

World Acceptance Corporation — metric-by-metric comparison with peers and the industry median

WRLDWorld Acceptance Corporation

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

WRLDIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	WRLD	GSY	QNBFK	ZIP	ISFIN	GARFA	Ind. Median
P/E	28.53	—	157.13	38.55	16.96	16.67●	16.27
P/B	2.81	0.98	12.49	6.34	0.94●	1.90	2.03
EV/EBITDA	30.28	6.37●	—	34.52	—	—	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	WRLD	GSY	QNBFK	ZIP	ISFIN	GARFA	Ind. Median
Current Ratio	0.77	—	—	788.09●	—	—	1.20
Debt/Equity	188.4%	599.1%	0.0%●	383.4%	0.0%●	0.0%●	116.1%
NetDebt/EBITDA	12.08	5.42●	—	11.13	—	—	2.39

Profitability
Metric	WRLD	GSY	QNBFK	ZIP	ISFIN	GARFA	Ind. Median
Net Margin	5.9%	-15.8%	—	8.9%●	—	—	10.0%
ROE	8.8%	-27.7%	8.9%	15.9%●	6.3%	13.5%	13.4%
ROA	3.4%●	-4.9%	—	2.9%	—	—	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	WRLD	GSY	QNBFK	ZIP	ISFIN	GARFA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-61.5%	—	—	—	—	—	19.9%
Div. Yield	—	9.4%	—	—	—	—	1.2%
Payout	—	-33.6%	—	—	—	—	16.3%

Valuation
Metric	WRLD	NAVI	GDOT	PRAA	ATLC	ECPG	Ind. Median
P/E	28.53	—	—	—	13.72	6.83●	16.27
P/B	2.81	0.35●	0.82	0.70	2.69	1.95	2.03
EV/EBITDA	30.28	85.31	-2.36●	7.14	23.69	8.30	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	WRLD	NAVI	GDOT	PRAA	ATLC	ECPG	Ind. Median
Current Ratio	0.77	0.75	0.50	2.02	10.25●	0.33	1.20
Debt/Equity	188.4%	1,899.2%	60.1%	3.2%●	923.0%	389.8%	116.1%
NetDebt/EBITDA	12.08	83.76	-8.34●	-1.09	17.77	5.42	2.39

Profitability
Metric	WRLD	NAVI	GDOT	PRAA	ATLC	ECPG	Ind. Median
Net Margin	5.9%	-2.0%	-3.3%	-21.9%	10.8%	16.0%●	10.0%
ROE	8.8%	-2.4%	-7.5%	-25.3%	22.1%	32.0%●	13.4%
ROA	3.4%	-0.1%	-1.1%	-5.4%	2.5%	5.7%●	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	WRLD	NAVI	GDOT	PRAA	ATLC	ECPG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-61.5%	—	—	—	15.6%●	—	19.9%
Div. Yield	—	7.3%●	—	—	0.5%	—	1.2%
Payout	—	-103.3%	—	—	6.8%	—	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.