Stock Ratings / Financials / WRLD / earnings

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World Acceptance Corporation (WRLD) Next Earnings Date & Expected ±7.4% Move

$175.92 +1.02% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $175.91

World Acceptance Corporation (WRLD) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $820.3M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $175.90 (-0.01%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 43.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

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 C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WRLD)Realized 20D OHLCV Swing Band: ±7.4%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY WRLD SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (23% of score)

FRED Regime × Technicals: 56% of 52W Range • RSI-14 at 38.4 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (21% of score)

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

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution11/20 pts (-9 pt drag)

Cannibal Buyback (-0.96% YoY Shares) & executive Form 4 sales trim 9 pts from alignment

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

Q1 (-3Q)

Grade C$175.48-2.2% Next Q

Q2 (-2Q)

Grade C$171.64-2.7% Next Q

Q3 (-1Q)

Grade C+$167.04+5.3% Next Q

Current

Grade C+$175.92+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)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 66/100 (C+) 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 ($178.65) or 200D SMA ($163.48) invalidates the momentum regime and cuts Target Base ($182.25) toward Bear Floor ($142.16).

🎲 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 66%NO 34%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 29, 2026 (~57 DAYS)

Historical OHLCV Volatility ±7.4% Swing Band

±$13.02 Expected Swing

MODEL EARNINGS SETUP GAUGE

WRLD Quantitative Pre-Earnings Setup: 66/100

Trailing EPS: $7.42 • YoY Revenue Growth: 3.7%

Model Bullish Setup (66/100)Model Risk Weight (34/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2026-03-31	$585.2M	$34.6M	$255.5M	52%
FY 2024	2025-03-31	$564.2M	$89.2M	$250.5M	52%
FY 2023	2024-03-31	$572.8M	$77.0M	$265.8M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating WRLD & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on WRLD
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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: +19.54%⚡ TESTING RESISTANCE

2026-10-30O $175.8H $175.9L $162.8C $175.9VOL 77.5K

RES: $181.1SUP: $159.6SMA50: $178.7SMA200: $163.5

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 #287 of 1096 ⚔️ CD vs WRLD Full Matrix →

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

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, World Acceptance Corporation (WRLD) ranks #287 by composite RQD confidence (66/100, grade C+) and #598 by equity capitalization ($820.3M). 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 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WRLD ACTIVE World Acceptance Corporation	C+	66/100	23.7x	—	9.8%	+1.02%	$820.3M	Benchmark Subject
CD Chaince Digital Holdings Inc.	E	27/100	—	—	-7.2%	-17.60%	$829.4M	/cd-vs-wrld →
PSEC Prospect Capital Corporation	D	50/100	—	—	-16.6%	+6.58%	$864.8M	/psec-vs-wrld →
BUR Burford Capital Limited	D	46/100	12.2x	—	9.7%	+3.25%	$763.7M	/bur-vs-wrld →
CGBD Carlyle Secured Lending Inc.	D	50/100	10.6x	—	6.0%	+2.27%	$743.8M	/cgbd-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?

As of 2026-11-01, World Acceptance Corporation (NASDAQ: WRLD) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $175.92 (+1.02% 1D, market cap $820.3M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 11/20. Across 1096 tracked Financials issuers, WRLD ranks #287 in composite RQD confidence.

How does WRLD compare to CD and PSEC in the Financials sector?

Within the Financials sector (Finance: Consumer Services), WRLD carries a Roarable C+ (66/100 RQD), trailing P/E of 23.7x, gross margin of —, and ROIC of 9.8%. By comparison, CD (Chaince Digital Holdings Inc.) holds a E grade (27/100 RQD, P/E N/A, ROIC -7.2%, cap $829.4M) and PSEC (Prospect Capital Corporation) posts a D grade (50/100 RQD, P/E N/A, ROIC -16.6%, cap $864.8M). Among the 5-stock peer group, CGBD leads on earnings multiple (10.6x) while WRLD leads on capital efficiency (9.8% ROIC).

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

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.

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

WRLD last traded at $175.92 (+1.02% on volume of 48,835 shares), positioning the stock -1.53% below its 50-day simple moving average ($178.65) and +7.61% above its 200-day simple moving average ($163.48). Across its 52-week range of $110.00 to $227.68, WRLD sits at the 56.0% percentile with a 14-day RSI of 38.4 (NEUTRAL RANGE) and an implied next-earnings move of ±7.4% ($162.90 to $188.94).

WRLD Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is WRLD's next earnings date?

Based on SEC filing cadence, World Acceptance Corporation (WRLD)'s next quarterly reporting window is estimated around Dec 29, 2026.

How much is WRLD stock expected to move on earnings?

Volatility modeling currently projects a ±7.4% event move for WRLD, spanning a range between $162.9 and $188.94.

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