ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is World Acceptance Corp. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 16.15%
2
Poor long term growth as Net Sales has grown by an annual rate of 1.13% and Operating profit at 5.61%
3
Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at USD 265.57 MM
- PRE-TAX PROFIT(Q) At USD 7.9 MM has Grown at 297.13%
- NET PROFIT(Q) At USD 6.11 MM has Grown at 344.53%
4
With ROE of 13.26%, it has a expensive valuation with a 1.83 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -3.04%, its profits have fallen by -42.8%
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 9.06% over the previous quarter.
6
Below par performance in long term as well as near term
- Along with generating -3.04% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to World Acceptance Corp. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is World Acceptance Corp. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
World Acceptance Corp.
-3.04%
0.66
52.37%
S&P 500
15.76%
1.20
13.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.13%
EBIT Growth (5y)
5.61%
EBIT to Interest (avg)
7.62
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
19.86%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
90.94%
ROCE (avg)
75.76%
ROE (avg)
16.15%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.83
EV to EBIT
2.08
EV to EBITDA
2.02
EV to Capital Employed
1.95
EV to Sales
1.05
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
93.51%
ROE (Latest)
13.26%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 265.57 MM
PRE-TAX PROFIT(Q)
At USD 7.9 MM has Grown at 297.13%
NET PROFIT(Q)
At USD 6.11 MM has Grown at 344.53%
RAW MATERIAL COST(Y)
Fallen by -0.19% (YoY
CASH AND EQV(HY)
Highest at USD 57.35 MM
-4What is not working for the Company
NET PROFIT(9M)
At USD 41.73 MM has Grown at -29.55%
ROCE(HY)
Lowest at 10.07%
Here's what is working for World Acceptance Corp.
Pre-Tax Profit
At USD 7.9 MM has Grown at 297.13%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 6.11 MM has Grown at 344.53%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 265.57 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Cash and Eqv
Highest at USD 57.35 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by -0.19% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
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