Market Price

114.42 

-0.87 -0.8%

as of Jan 22 '19

52 Week Range:

89.78 125.14


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

World Acceptance Corporation engages in small-loan consumer finance business. The company offers short-term small and medium-term larger installment loans, as well as related credit insurance and ancillary products and services to individuals. It also provides automobile club memberships to its borrowers; and income tax return preparation and electronic filing services. In addition, the company markets and sells credit life, credit accident and health, credit property, and unemployment insurance in connection with its loans; and develops and provides software solutions for the consumer finance industry. It serves individuals with limited access to other sources of consumer credit, such as banks, credit unions, other consumer finance businesses, and credit card lenders. As of March 31, 2018, the company operated 1,308 branches in Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Texas, Tennessee, and Wisconsin, as well as Mexico. World Acceptance Corporation was founded in 1962 and is headquartered in Greenville, South Carolina.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Equity (BVPS) 14.39
17.97
23.18
28.17
31.62
29.54
32.02
34.90
41.18
48.05
53.62
growth rate 24.9% 29.0% 21.5% 12.3% -6.6% 8.4% 9.0% 18.0% 16.7% 11.6%
Earnings BIT 87.72
97.62
119.44
143.25
159.87
166.29
191.44
199.33
164.74
135.50
122.79
growth rate 11.3% 22.4% 19.9% 11.6% 4.0% 15.1% 4.1% -17.4% -17.8% -9.4%
Avg.PE 10.44
4.64
8.10
11.59
9.30
10.91
8.27
6.50
4.41
8.90
17.37
growth rate -55.6% 74.6% 43.1% -19.8% 17.3% -24.2% -21.4% -32.2% 101.8% 95.2%
ROA 11.81
11.93
13.10
14.49
14.37
13.48
12.85
12.92
10.45
9.16
6.54
growth rate 1.0% 9.8% 10.6% -0.8% -6.2% -4.7% 0.5% -19.1% -12.3% -28.6%
ROE 23.56
23.14
21.88
22.11
23.38
26.51
31.65
35.59
24.71
17.26
10.71
growth rate -1.8% -5.5% 1.1% 5.7% 13.4% 19.4% 12.5% -30.6% -30.2% -38.0%
ROIC 14.35
15.75
18.68
18.19
16.48
15.70
15.18
15.40
growth rate 9.8% 18.6% -2.6% -9.4% -4.7% -3.3% 1.5%
Leverage 2.07
1.83
1.55
1.51
1.75
2.21
2.77
2.74
2.06
1.74
1.55
growth rate -11.6% -15.3% -2.6% 15.9% 26.3% 25.3% -1.1% -24.8% -15.5% -10.9%
Balance Sheet Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Acct.Receivable 411.57
460.41
528.19
597.72
660.58
722.12
742.30
706.74
695.70
725.18
growth rate 11.9% 14.7% 13.2% 10.5% 9.3% 1.4% -4.8% -1.6% 4.2%
Acct.Payable 36.88
42.68
37.17
31.21
31.37
31.87
40.44
growth rate 15.7% -12.9% -16.0% 0.5% 1.6% 26.9%
Cur.Assets 0.00
0.00
0.00
0.00
0.00
780.64
719.12
710.90
757.27
growth rate -7.9% -1.1% 6.5%
Total Assets 486.11
526.10
593.10
666.40
735.00
809.30
850.03
866.13
806.22
800.59
840.99
growth rate 8.2% 12.7% 12.4% 10.3% 10.1% 5.0% 1.9% -6.9% -0.7% 5.1%
Cash 7.59
6.30
5.40
8.00
2.70
0.50
19.57
38.34
12.38
15.20
32.09
growth rate -17.0% -14.3% 48.2% -66.3% -81.5% 3,813.9% 95.9% -67.7% 22.8% 111.1%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 0.00
0.00
0.00
0.00
0.00
0.00
49.41
39.63
44.39
54.98
growth rate -19.8% 12.0% 23.9%
Liabilities 251.81
229.80
210.10
223.80
316.10
442.90
542.67
550.56
414.32
339.53
299.88
growth rate -8.7% -8.6% 6.5% 41.2% 40.1% 22.5% 1.5% -24.8% -18.1% -11.7%
LT Debt 214.90
2,009.00
2,010.00
2,011.00
279.30
400.30
505.50
501.15
374.69
295.14
244.90
growth rate 834.9% 0.1% 0.1% -86.1% 43.3% 26.3% -0.9% -25.2% -21.2% -17.0%
Equity 234.31
296.30
382.90
442.60
418.90
366.40
307.36
315.57
391.90
461.06
541.11
growth rate 26.5% 29.2% 15.6% -5.4% -12.5% -16.1% 2.7% 24.2% 17.7% 17.4%
Common Shares 17.00
16.00
17.00
16.00
15.00
13.00
11.00
9.00
9.00
9.00
9.00
growth rate -5.9% 6.3% -5.9% -6.3% -13.3% -15.4% -18.2% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Capital Expenditures 9.73
9.90
5.20
6.40
6.86
6.91
7.43
8.59
8.65
6.81
9.17
growth rate 1.8% -47.5% 23.1% 7.1% 0.8% 7.6% 15.5% 0.8% -21.3% 34.6%
Cash Dividends 0.00 0.00 0.00 0.00 0.00 0.00
growth rate
Cash From OA 136.02
153.90
183.60
199.80
219.40
232.04
245.96
241.89
206.07
219.36
218.03
growth rate 13.2% 19.3% 8.8% 9.8% 5.8% 6.0% -1.7% -14.8% 6.5% -0.6%
FCF per Share 7.27
8.65
10.73
11.89
13.09
15.75
20.45
22.84
23.04
24.29
21.93
growth rate 19.0% 24.1% 10.8% 10.1% 20.3% 29.8% 11.7% 0.9% 5.4% -9.7%
Sale Purchase of Stock -130.21
-173.10
-179.74
6.54
3.25
1.16
25.32
growth rate 0.0% 0.0% 100.0% -50.3% -64.3% 2,082.1%
FCF 126.00
142.00
177.00
193.00
212.00
224.00
238.00
233.00
197.00
208.00
207.00
growth rate 12.7% 24.7% 9.0% 9.8% 5.7% 6.3% -2.1% -15.5% 5.6% -0.5%
Income Statement Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Sales 346.05
377.30
426.80
476.70
540.16
563.64
599.26
610.21
557.48
531.73
548.71
growth rate 9.0% 13.1% 11.7% 13.3% 4.4% 6.3% 1.8% -8.6% -4.6% 3.2%
Op.Income 83.35
91.60
119.40
143.20
100.69
104.09
106.61
199.33
164.74
135.50
122.79
growth rate 9.9% 30.4% 19.9% -29.7% 3.4% 2.4% 87.0% -17.4% -17.8% -9.4%
IBT 83.35
91.57
119.44
143.25
159.87
166.29
170.24
176.03
137.89
114.00
101.20
growth rate 9.9% 30.4% 19.9% 11.6% 4.0% 2.4% 3.4% -21.7% -17.3% -11.2%
Net Income 50.25
56.50
73.70
91.20
100.70
104.10
106.61
110.83
87.40
73.60
53.69
growth rate 12.4% 30.4% 23.7% 10.4% 3.4% 2.4% 4.0% -21.2% -15.8% -27.1%
EPS 3.05
3.43
4.45
5.63
6.59
8.00
9.60
11.90
10.05
8.38
5.99
growth rate 12.5% 29.7% 26.5% 17.1% 21.4% 20.0% 24.0% -15.6% -16.6% -28.5%
Gross Profit 262.57
291.79
336.46
380.76
420.56
452.00
491.38
433.88
403.16
417.73
growth rate 11.1% 15.3% 13.2% 10.5% 7.5% 4.3% -11.7% -7.1% 3.6%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 21.12
20.29
56.23
24.42
21.82
growth rate -3.9% 177.1% -56.6% -10.7%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 739.47
790.90
725.18
713.76
749.78
growth rate 7.0% -8.3% -1.6% 5.1%
Acct.Payable 34.08
34.90
40.44
30.60
30.20
growth rate 2.4% 15.9% -24.3% -1.3%
Cur.Assets 758.25
815.88
757.27
743.03
755.38
growth rate 7.6% -7.2% -1.9% 1.7%
Total Assets 857.07
906.09
840.99
811.98
838.95
growth rate 5.7% -7.2% -3.5% 3.3%
Cash 18.78
24.97
32.09
10.26
5.60
growth rate 33.0% 28.5% -68.0% -45.5%
Inventory
growth rate
Cur.Liabilities 46.17
40.30
54.98
54.87
43.77
growth rate -12.7% 36.4% -0.2% -20.2%
Liabilities 366.92
417.15
299.88
294.71
273.96
growth rate 13.7% -28.1% -1.7% -7.0%
LT Debt 320.75
376.85
244.90
239.84
230.19
growth rate 17.5% -35.0% -2.1% -4.0%
Equity 490.15
488.94
541.11
517.27
564.99
growth rate -0.3% 10.7% -4.4% 9.2%
Common Shares 517.27
growth rate
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 1.96
2.84
2.36
2.27
2.34
growth rate 45.0% -16.7% -4.0% 3.3%
Cash Dividends
growth rate
Cash From OA 43.89
51.60
72.45
55.45
59.42
growth rate 17.6% 40.4% -23.5% 7.2%
Sale Purchase of Stock 1.43
1.97
16.59
growth rate 37.8% 741.4%
FCF 41.93
48.76
70.09
53.19
57.08
growth rate 16.3% 43.7% -24.1% 7.3%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 131.01
136.93
151.86
122.79
127.12
growth rate 4.5% 10.9% -19.1% 3.5%
Op.Income 21.12
20.29
56.23
24.42
21.82
growth rate -3.9% 177.1% -56.6% -10.7%
IBT 16.33
15.29
48.68
20.20
17.66
growth rate -6.4% 218.3% -58.5% -12.6%
Net Income 9.80
1.68
29.14
-21.50
14.54
growth rate -82.9% 1,634.5% -100.0% 100.0%
EPS
growth rate
Gross Profit 92.03
93.18
134.45
92.20
86.76
growth rate 1.3% 44.3% -31.4% -5.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (24.98)

YOY Growth Grade:

D (44.55)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 44.33 43.99 13.60
EPS / Growth -7.4% 2.60 1.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 10.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 4.3% 4.3%
Future PE 2.00 11.14 11.14
Future EPS 2.87 3.98 3.98
Value Price
MOS %
1.42
-98.8%
10.95
-90.4%
10.95
-90.4%
MOS Price 0.71 5.48 5.48
IRT 36.33 24.48 24.48

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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