Stock Ratings / Financials / WRLD / insiders

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World Acceptance Corporation (WRLD) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$164.47 -6.51% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $162.23

World Acceptance Corporation (WRLD) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $767.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WRLD Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WRLD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, World Acceptance Corporation (NASDAQ: WRLD) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $164.47 (-6.51% 1D, market cap $767.0M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 11/20. Across 1096 tracked Financials issuers, WRLD ranks #526 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WRLD compare to BUR and CGBD in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), WRLD carries a Roarable D+ (55/100 RQD), trailing P/E of 23.7x, gross margin of —, and ROIC of 9.8%. By comparison, BUR (Burford Capital Limited) holds a E grade (33/100 RQD, P/E 12.2x, ROIC 9.7%, cap $744.0M) and CGBD (Carlyle Secured Lending Inc.) posts a D- grade (38/100 RQD, P/E 10.6x, ROIC 6.0%, cap $741.7M). Among the 5-stock peer group, CGBD leads on earnings multiple (10.6x) while WRLD leads on capital efficiency (9.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WRLD?

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Per WRLD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0000108385), World Acceptance Corporation generated $585.2M in revenue (+3.7% YoY), $34.6M in net income, and $255.5M in free cash flow against $1.14B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $162.23 (-1.36%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 43.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE-1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WRLD)Realized 20D OHLCV Swing Band: ±7.7%

Deterministic 5-Pillar Attribution (55/100 Composite)

🔍 WHY WRLD SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 43.7% FCF Margin ($255.5M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$177.24-6% Next Q

Q2 (-2Q)

Grade C$166.58+2% Next Q

Q3 (-1Q)

Grade C$169.83-3.2% Next Q

Current

Grade D+$164.47-0.5% Hist 90D α

Trajectory: C+ (63) → D+ (55)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the WRLD Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, WRLD faces multiple-compression risk if 23.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($177.89) or 200D SMA ($163.79) invalidates the momentum regime and cuts Target Base ($162.25) toward Bear Floor ($126.56).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WRLD• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WRLD Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 55%NO 45%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

WRLD Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (WRLD)

No recent open-market Form 4 cluster sales or emergency dumps flagged on WRLD. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WRLD)

✓Walkthrough of WRLD's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

WRLD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.00%🛡️ HOLDING TREND SUPPORT

2026-11-03O $175.9H $175.9L $164.5C $164.5VOL 77.8K

RES: $180.0SUP: $159.1SMA50: $177.9SMA200: $163.8

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WRLD Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WRLD Butterfly Map → + Track WRLD →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

17.5%/yr Implied 5Y Growth

vs. +3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WRLD today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WRLD. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WRLD today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WRLD)

Financials Rank #526 of 1096 ⚔️ BUR vs WRLD Full Matrix →

1. Head-to-Head Financials Peer Comparison (WRLD vs. BUR, CGBD, CD, LU)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, World Acceptance Corporation (WRLD) ranks #526 by composite RQD confidence (55/100, grade D+) and #604 by equity capitalization ($767.0M). Within this direct 5-issuer industry benchmark cohort, CGBD leads on earnings valuation at 10.6x trailing P/E, while WRLD leads on capital efficiency and profitability with 9.8% ROIC and — gross margin. WRLD currently leads its immediate peer cohort in composite quantitative strength at 55/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WRLD ACTIVE World Acceptance Corporation	D+	55/100	23.7x	—	9.8%	-6.51%	$767.0M	Benchmark Subject
BUR Burford Capital Limited	E	33/100	12.2x	—	9.7%	-2.58%	$744.0M	/bur-vs-wrld →
CGBD Carlyle Secured Lending Inc.	D-	38/100	10.6x	—	6.0%	-0.28%	$741.7M	/cgbd-vs-wrld →
CD Chaince Digital Holdings Inc.	D-	38/100	—	—	-7.2%	-10.87%	$739.2M	/cd-vs-wrld →
LU Lufax Holding Ltd (each representing twenty (20) )	D	44/100	—	—	—	+4.16%	$715.9M	/lu-vs-wrld →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-03-31 • CIK 0000108385

In its most recent audited fiscal period (FY2025, filed 2026-03-31), World Acceptance Corporation (WRLD) reported GAAP revenue of $585.2M (+3.7% vs. FY2024 revenue of $564.2M , and +2.2% cumulative change since FY2023) , GAAP net income of $34.6M, operating cash flow of $259.4M, and free cash flow of $255.5M (+2.0% YoY). On the balance sheet, WRLD closed FY2025 with $1.14B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-03-31	$585.2M	$34.6M	$259.4M	$255.5M	$1.14B	—
FY2024 (FY)	2025-03-31	$564.2M	$89.2M	$254.2M	$250.5M	$1.11B	—
FY2023 (FY)	2024-03-31	$572.8M	$77.0M	$265.8M	$265.8M	—	—

3. WRLD Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WRLD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does WRLD compare to BUR and CGBD in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for WRLD?

Where is WRLD trading relative to its 50-day, 200-day, and 52-week technical levels?

WRLD last traded at $164.47 (-6.51% on volume of 77,821 shares), positioning the stock -7.54% below its 50-day simple moving average ($177.89) and +0.42% above its 200-day simple moving average ($163.79). Across its 52-week range of $110.00 to $227.68, WRLD sits at the 46.3% percentile with a 14-day RSI of 42.2 (NEUTRAL RANGE) and an implied next-earnings move of ±7.7% ($151.81 to $177.13).

WRLD Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are WRLD insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies WRLD leadership and institutional positioning as: BALANCED INSTITUTIONAL POSITIONING.

Direct Sub-Reports: WRLD RQD Cockpit WRLD 12M Forecast WRLD Earnings & Move WRLD Dividends & DRIP WRLD Insiders & 13F WRLD Whale Options WRLD Profit Sankey WRLD News & Why

ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

WRLD — World Acceptance Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:32:36Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, WRLD scores 58 out of 100, earning a D+ grade and the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are:

Fundamental Cash Engine: 14 / 20 — ROIC of 9.8% is the main positive here, but FCF yield of 0% weighs on the score. For an investor, this means the business earns a return on capital, yet the rating does not credit it with converting that return into free cash flow yield at current prices.
Whale 13F Flow: 9 / 20 — Institutional accumulation and options positioning score low. Per the rating, this pillar reflects weak smart-money support, which removes a potential upside driver.
Insider Conviction: 11 / 20 — SEC Form 4 and Congressional PTR cluster flow score modestly. Investors should read this as limited evidence of insider buying conviction.
Macro Regime Fit: 11 / 20 — Beta of 1.0 and sector sensitivity score mid-to-low. The stock moves in line with the broad market, offering neither a defensive profile nor a high-beta upside leverage profile.
Forensic Balance Sheet: 13 / 20 — Altman Z of 2.5, Piotroski F of 4/9, and Debt/Equity of 0.5. These are moderate readings: not distress-level, but not strong either.

Translated for a prospective investor: the rating identifies valuation tradeoffs (P/E of 23.7 TTM against a forward P/E of 22), a modest return profile, and limited institutional or insider endorsement. Upside drivers would need to come from improved cash conversion or stronger institutional support, neither of which the source data demonstrates. The rating's verdict is a weak-fundamentals signal, and this brief presents it as analytical context rather than personalized advice.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$585.2M	$0.0M	$34.6M	N/A	$255.5M	$10.0M	N/A
FY 2024	$564.2M	$0.0M	$89.2M	N/A	$250.5M	$10.3M	N/A
FY 2023	$572.8M	$0.0M	$77.0M	N/A	$265.8M	N/A	N/A

Per the SEC financials, net income moved from $77.0M in FY 2023 to $89.2M in FY 2024 and then to $34.6M in FY 2025, while revenue ranged between $564.2M and $585.2M. Per the market data, the net margin is 5.9%, while gross and operating margins are reported as 0%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5, which together describe a moderate balance sheet posture.

Recent Catalysts & News Wire Analysis

Per the recent news feed, six items reference WRLD, all tagged with a YELLOW signal and a MARKET WIRE impact label:

A Yahoo! Finance Canada market report on price action, institutional positioning, and fundamental catalysts.
A Seeking Alpha piece headlined "World Acceptance: Resilient Credit Performance Is Largely Priced In," which frames credit performance as already reflected in the share price.
A TradingView estimates page.
A marketscreener.com earnings flash reporting Q2 revenue of $139.2M.
A Yahoo Finance Q2 2027 earnings call transcript.
A MarketBeat item reporting that the share price crossed above its 200-day moving average.

Per the Butterfly Supply-Chain Graph, no proprietary signals or supply-chain links are recorded. Risk watch items drawn from the feed: the Seeking Alpha headline implies limited upside surprise potential, and the Q2 revenue figure is reported without accompanying margin or EPS detail in the source data.

Open Questions

What are the company's specific products, customer segments, and revenue model? The source data gives only sector and industry labels.
Why is operating income reported as $0.0M across all periods, and what is the EPS for FY 2024 and FY 2025 given that EPS is listed as N/A?
What is the debt balance, given that debt is N/A in every reported period despite a stated Debt/Equity of 0.5?
What drove the drop in net income from $89.2M in FY 2024 to $34.6M in FY 2025, and is the Q2 revenue of $139.2M consistent with the annual trend?
What institutional and insider holdings exist, and why is the holders section empty?

WRLD Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for World Acceptance Corporation (WRLD) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WRLD Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 17h ago

World Acceptance Corporation (WRLD) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 20h ago

World Acceptance: Resilient Credit Performance Is Largely Priced In

Seeking Alpha report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 23h ago

World Acceptance Corporation Estimates – NASDAQ:WRLD

TradingView report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE marketscreener.com • 1d ago

Earnings Flash (WRLD) World Acceptance Corporation Reports Q2 Revenue $139.2M

marketscreener.com report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

World Acceptance (WRLD) Q2 2027 Earnings Call Transcript

Yahoo Finance report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

World Acceptance (NASDAQ:WRLD) Share Price Crosses Above 200-Day Moving Average - Here's Why

MarketBeat report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Director Ken R Bramlett Jr. proposes selling 3,797 World Acceptance (WRLD) shares.

Stock Titan report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Business Wire • 1d ago

World Acceptance Corporation Reports Fiscal 2027 Second Quarter Results

Business Wire report covering World Acceptance Corporation (WRLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WRLD Bull vs. Bear Conversation Board — What's Your Call at $164.47?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WRLD 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $189.99 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is WRLD (D+ • RQD 58/100) a Buy at $175.92?

Welcome to the WRLD (World Acceptance Corporation) Roar Pit. Current RQD Composite is 58/100 (Roarable Sell — Weak Fundamentals / Trim) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $135.46 (-23.0%)

Spot @ $175.92

Pump the brakes on WRLD — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on WRLD, but look at what you are paying: 23.7x trailing P/E with tightening sector spreads. Unless World Acceptance Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $212.86 (+21.0%)

Spot @ $175.92

WRLD cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on WRLD, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $175.92 (52-wk range $110.00 - $227.68), any beat on forward guidance forces shorts and underweight funds to chase.