World Acceptance Corporation cash flow to debt ratio of 39.23% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

World Acceptance Corporation's free cash flow has increased 1.99% from $250.48M last year to $255.48M, signaling increasing performance

World Acceptance Corporation's debt to equity ratio is 1.79, which means that the company's assets are unhealthy financed, signaling financial risk.

World Acceptance Corporation's debt has increased relative to shareholder equity from 1.20 last year to 1.79 today, signaling weakened financials

World Acceptance Corporation has a net debt to EBITDA ratio of 12.08x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

World Acceptance Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

World Acceptance Corporation's profit margin has decreased (58.16%) in the last year from 15.89% to 6.65%, signaling decreasing performance

World Acceptance Corporation's short-term liabilities of $38.00M exceed its short-term assets of $29.37M, signaling financial risk

World Acceptance Corporation's return on assets of 3.65% is lower than the 5.00% threshold, indicating inefficient asset utilization

World Acceptance Corporation's return on equity of 11.00%, is lower than 15.00%, indicating bad performance

World Acceptance Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

World Acceptance Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

World Acceptance Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

World Acceptance Corporation has a free cash flow yield of 29.34%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

World Acceptance Corporation's yearly earnings has decreased 61.46% since last year from $89.74M to $34.59M, signaling decreasing performance

World Acceptance Corporation's yearly revenue has increased 3.70% since last year from $564.84M to $585.74M, signaling increasing performance

ROIC 7.74% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

World Acceptance Corporation's 3-year revenue CAGR of -1.73% is negative, indicating declining revenue over the past 3 years

World Acceptance Corporation had revenue growth in 3 out of 5 years, indicating consistent revenue performance

World Acceptance Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

World Acceptance Corporation is undervalued relative to its fair value price of 470.36 based on Discounted Cash Flow model

World Acceptance Corporation has an earnings yield of 4.60%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

World Acceptance Corporation is overvalued relative to its fair value price of 126.82 based on EBITDA multiple model

World Acceptance Corporation has an EV/EBITDA ratio of 28.14x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

World Acceptance Corporation is overvalued relative to its fair value price of 129.15 based on Earnings Fair Value model

World Acceptance Corporation's earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

World Acceptance Corporation has a price-to-book ratio of 2.36x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

World Acceptance Corporation has a price-to-sales ratio of 1.45x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue