Core Viewpoint - The article emphasizes the importance of value investing and highlights World Acceptance (WRLD) as a strong value stock based on its financial metrics and Zacks Rank [1][2][6]. Group 1: Value Investing - Value investing is a preferred strategy for identifying strong stocks across various market conditions, utilizing established valuation metrics [2]. - The Zacks Rank and Style Scores system can help investors find stocks with specific traits, particularly those with high value grades [3]. Group 2: Company Analysis - World Acceptance (WRLD) - World Acceptance (WRLD) has a Zacks Rank of 1 (Strong Buy) and a Value grade of A, indicating strong potential for value investors [4]. - WRLD's current P/E ratio is 9.62, lower than the industry average of 10.03, suggesting it may be undervalued [4]. - The Forward P/E ratio for WRLD has fluctuated between 7.32 and 12.19 over the past 12 months, with a median of 9.10 [4]. - WRLD's P/CF ratio stands at 7.12, which is attractive compared to the industry's average P/CF of 8.05, indicating solid cash flow prospects [5]. - The P/CF ratio for WRLD has ranged from 5.43 to 9.48 in the past year, with a median of 6.63 [5]. - Overall, the financial metrics suggest that World Acceptance is likely undervalued and has a strong earnings outlook, making it a standout in the value stock category [6].

Core Viewpoint - World Acceptance (WRLD) has experienced significant stock performance, with a 33.8% increase over the past month and reaching a new 52-week high of $161.63 [1] Financial Performance - The company has consistently exceeded earnings expectations, reporting an EPS of $2.45 against a consensus estimate of $1.23 in its last earnings report [2] - For the current fiscal year, World Acceptance is projected to achieve earnings of $12.88 per share on revenues of $557.22 million, reflecting a -2.35% change in EPS and a -2.79% change in revenues [3] - The next fiscal year forecasts earnings of $13.68 per share on revenues of $561.56 million, indicating a year-over-year growth of 6.21% in EPS and 0.78% in revenues [3] Valuation Metrics - The stock trades at 11.7X current fiscal year EPS estimates, which is above the peer industry average of 10.8X, while on a trailing cash flow basis, it trades at 8.8X compared to the peer group's average of 11.5X [7] - World Acceptance has a Value Score of A, with Growth and Momentum Scores of C, resulting in a combined VGM Score of B [6] Zacks Rank - The stock holds a Zacks Rank of 2 (Buy), supported by favorable earnings estimate revisions from analysts [8] - World Acceptance meets the criteria for selection based on Zacks Rank and Style Scores, suggesting potential for further gains [9]

分组1 - World Acceptance (WRLD) reported quarterly earnings of $2.45 per share, exceeding the Zacks Consensus Estimate of $1.23 per share, but down from $2.84 per share a year ago, resulting in an earnings surprise of 99.19% [1] - The company achieved revenues of $138.63 million for the quarter ended December 2024, surpassing the Zacks Consensus Estimate by 1.44% and showing a slight increase from $137.75 million year-over-year [2] - World Acceptance has outperformed the S&P 500, gaining about 15% since the beginning of the year compared to the S&P 500's gain of 2.2% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $6.16 on revenues of $159.61 million, and for the current fiscal year, it is $12.88 on revenues of $557.22 million [7] - The Zacks Industry Rank indicates that the Financial - Consumer Loans sector is currently in the bottom 40% of over 250 Zacks industries, which may impact stock performance [8]

Financial Performance - Total revenues for the third quarter of fiscal 2025 increased to $138.6 million, a 0.6% increase from $137.7 million for the same quarter of the prior year[7] - Net income for the third quarter of fiscal 2025 decreased to $13.4 million compared to $16.7 million for the same quarter of the prior year, with diluted net income per share decreasing to $2.45 from $2.84[6] - Net income for the nine months ended December 31, 2024, increased by $3.2 million to $45.5 million, resulting in a net income of $8.23 per diluted share, compared to $7.17 per diluted share in the prior-year period[21] - Total revenues for the first nine months of fiscal 2025 decreased by 3.5% to $399.6 million, down from $413.9 million during the same period of the previous year due to a decrease in loans outstanding[21] Loan and Credit Metrics - Gross loans outstanding were $1.38 billion as of December 31, 2024, a 1.4% decrease from $1.40 billion as of December 31, 2023, but increased sequentially by 6.6% from $1.30 billion as of September 30, 2024[3] - The provision for credit losses increased by $3.5 million to $44.1 million compared to $40.6 million in the third quarter of fiscal 2024[8] - Annualized net charge-offs as a percent of average net loans decreased from 17.4% during the first nine months of fiscal 2024 to 17.1% for the first nine months of fiscal 2025[21] - Net charge-offs for the quarter decreased by $6.0 million to $42.4 million, with net charge-offs as a percentage of average net loan receivables decreasing to 17.2% from 19.1%[11] - Provision for credit losses increased to $136.19 million for the nine months ended December 31, 2024, compared to $127.70 million in the previous year[30] Income and Expenses - Interest and fee income increased by 3.1% to $122.4 million in the third quarter of fiscal 2025 from $118.7 million in the same quarter of fiscal 2024[7] - Total expenses for the nine months ended December 31, 2024, were $342.70 million, down from $361.15 million in the prior year[30] Customer and Branch Metrics - The customer base increased by 3.7% during the twelve-month period ended December 31, 2024, compared to a decrease of 2.4% for the comparable period ended December 31, 2023[4] - The company opened or acquired a net of 10 branches during the nine months ended December 31, 2024, bringing the total branches open at period end to 1,035[35] Ratios and Returns - The debt to equity ratio decreased to 1.3:1 at December 31, 2024, compared to 1.4:1 at December 31, 2023[18] - Return on average assets for the trailing 12 months was 7.5%, up from 6.0% in the previous year[35] - Return on average equity for the trailing 12 months was 19.2%, compared to 17.3% in the prior year[35] Stock Activity - The company repurchased 9,465 shares of its common stock at an aggregate purchase price of approximately $1.0 million during the third quarter of fiscal 2025[20] Delinquency Metrics - Recency delinquency on accounts 90+ days past due improved to 3.4% at December 31, 2024, from 3.7% at December 31, 2023[5] - Interest and fee income for the three months ended December 31, 2024, was $122.39 million, compared to $118.67 million for the same period in 2023[30]

While the proven Zacks Rank places an emphasis on earnings estimates and estimate revisions to find strong stocks, we also know that investors tend to develop their own individual strategies. With this in mind, we are always looking at value, growth, and momentum trends to discover great companies.Looking at the history of these trends, perhaps none is more beloved than value investing. This strategy simply looks to identify companies that are being undervalued by the broader market. Value investors use tri ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 104 S Main Street Greenville, South Carolina 29601 (Address of principal executive offices) (Zip Code) (864) 298-9800 (registrant's telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol Name of each exchange on which registered Common Stock, no par value WRLD The NASDAQ Stock Market LLC (NASDAQ Global Select Market) __________________________________ Form 10 ...

World Acceptance Corporation (NASDAQ:WRLD) Q2 2025 Earnings Conference Call October 25, 2024 10:00 AM ET Company Participants Chad Prashad - President & Chief Executive Officer Johnny Calmes - Chief Financial & Strategy Officer Conference Call Participants John Rowan - Janney Operator Good morning, and welcome to World Acceptance Corporation's Second Quarter 2025 Earnings Conference Call. This call is being recorded. At this time, all participants have been placed in a listen-only mode. Before we begin, the ...

World Acceptance (WRLD) came out with quarterly earnings of $3.99 per share, beating the Zacks Consensus Estimate of $1.99 per share. This compares to earnings of $2.71 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of 100.50%. A quarter ago, it was expected that this subprime consumer lender would post earnings of $1.69 per share when it actually produced earnings of $1.79, delivering a surprise of 5.92%. Over the last four qu ...

NEWS RELEASE For Immediate Release Contact: John L. Calmes, Jr. Executive VP, Chief Financial & Strategy Officer, and Treasurer (864) 298-9800 GREENVILLE, S.C. (October 25, 2024) - World Acceptance Corporation (NASDAQ: WRLD) today reported financial results for its second quarter of fiscal 2025. WORLD ACCEPTANCE CORPORATION REPORTS FISCAL 2025 SECOND QUARTER RESULTS Second fiscal quarter highlights During its second fiscal quarter, World Acceptance Corporation achieved improved loan growth while continuing ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 104 S Main Street Greenville, South Carolina 29601 (Address of principal executive offices) (Zip Code) (864) 298-9800 (registrant's telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol Name of each exchange on which registered Common Stock, no par value WRLD The NASDAQ Stock Market LLC (NASDAQ Global Select Market) __________________________________ Form 10 ...