Revenue qualityWarning
OCF/매출 3기 연속 하락. 통계적 정황 신호이며 회계부정 단정이 아닙니다.
World Acceptance
WRLD · Nasdaq$190.54-0.59%
2026-09-04 closeWorld Acceptance last closed at $190.54 (-0.59%) on 2026-09-04. Signals today: MACD bullish cross. Listed on Nasdaq; price, financials and dividends update daily after market close.
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Strong RS 76 · top 24%
New high + volume — the real recordrecord · not a prediction
Last 30 sessions
277 picks
Next-day win rate
44.2%
Avg next-day
-0.28%
vs market
-0.51%p
Every new-high-plus-volume pick we actually published (US market) — not this stock alone.
Signal history
| Date | Signal | +20 trading days |
|---|---|---|
A record, not a prediction.
How this is calculated
"·" means fewer than 20 trading days have passed since the event. Cup-and-handle entries are days our board actually showed the badge (archive grows daily since 2026-05-12); others are recomputed from price data.
Trade plan
Fill entry, stop, account size and risk percent to get a share count. The stop must sit below the entry.
A calculator · not advice or a guarantee
Financials & valuation at a glance
B+
Overall: 은행 193/526 · top 37%
Factor composite · relative position in sector
PER 10.7 · PBR 2.18 — own-history percentile 51/100 · 40/100
Open self-history band
PER51/100
PBR40/100
Factual information · not investment advice
Past reported results · not investment advice
More — deeper indicators
Financial safety
Reference indicatorAs of 2025Grey zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 2.12
Distress
Grey
Safe
- Altman Z''
- 2.12
- Beneish M-Score
- -3.23
- Sloan accrual
- -16.32%
No statistical flag
부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.
Factual information, not investment advice.
Earnings quality · Piotroski F-Score
8/9Strong
Piotroski measures year-over-year financial improvement, not absolute quality.
Financial improvement score8/9
Profitability
- Positive ROAPass
- Positive OCFPass
- Improving ΔROAPass
- Accruals (OCF > net income)Pass
Leverage & liquidity
- Lower debtPass
- Higher current ratioNot passed
- No new sharesPass
Efficiency
- Higher gross marginPass
- Higher asset turnoverPass
Calculation note: F7(신주)은 equity/asset 유지로 근사
Already-stable companies may score lower when year-over-year improvement is limited.
Factual information, not investment advice.
Forensic signals
Anomaly and structural signals observed in the financial statements.
Factual information, not investment advice.
Industry structure
USAs of 2026-09-05은행
This stock is in 은행: revenue rank 132 of 241, share 0.1%.
132 / 2410.1%revenue share
Who dominates this industry?
- 1American Express15.8%
- 2CBRE Group Class A7.9%
- 3Jones Lang LaSalle5.2%
- 4Nu Holdings Class A2.5%
- 5American Tower REIT2.2%
- 6World Acceptance0.1%
Concentration
DistributedCR3 28.9%HHI and CR3 are separate industrial-organization facts; they are not the polarization verdict.
Polarization
Winner-take-all deepeningConsistentPolarization measures industry gaps and structure, not valuation, forecast, or investment advice.
Margin lens
- IQR%p
- 23.64
- Direction
- 확대
- Level
- 넓음
- Years
- 8
Value lens
- P90/P10
- 11.9
- Median P/B
- 1.31
- Level
- 넓음
- n
- 221
Survivorship note: 현재 산업 멤버십을 과거 연도에 소급 적용 — 과거 진입·퇴출 기업 미반영(복원 불가)
Factual information, not investment advice.
Risk sensitivity — adverse assumptions
Metric changes under stated assumptions; not a forecast or investment advice.
Base metrics
- Operating margin
- 19.8%
- Interest coverage
- 5x
- Return on equity (ROE)
- 20.4%
Operating margin −5pp
TolerableInterest coverageBase 5x adverse case 3.8x
Return on equity (ROE)Base 20.4% adverse case 14%
Revenue −15%
TolerableInterest coverageBase 5x adverse case 4.3x
Return on equity (ROE)Base 20.4% adverse case 16.6%
Interest rate +2pp
TolerableInterest coverageBase 5x adverse case 3.3x
Return on equity (ROE)Base 20.4% adverse case 17.8%
Interest coverage limit
Current margin 15.9ppInterest coverage limit at an operating margin of 3.9%
Interest expense coverage threshold
Connections
AI-extracted related companies · for reference
Competitors
OneMain HoldingsPrice comovement r=0.62 (1 year)Credit AcceptancePrice comovement r=0.52 (1 year)Upstart HoldingsPrice comovement r=0.42 (1 year)Synchrony FinancialPrice comovement r=0.52 (1 year)Regional ManagementPrice comovement r=0.49 (1 year)Capital One FinancialPrice comovement r=0.55 (1 year)
Same theme
Recent filings
Filings for overseas stocks are on the way. For now we cover Korean stocks only.
About World Acceptance
- What technical signals does World Acceptance (WRLD) have?
- World Acceptance current technical signals: no active technical signal.
- Is World Acceptance a cup-and-handle pattern?
- No. World Acceptance has no valid cup-and-handle signal right now.
- What are World Acceptance's financials and valuation?
- World Acceptance's income statement, balance sheet and cash flow are free for the most recent 8 years; the full history is on Pro. PER/PBR, dividend yield and sector valuation bands are free.
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