World Acceptance (WRLD)
Market Price (2/16/2026): $131.02 | Market Cap: $623.6 MilSector: Financials | Industry: Consumer Finance
World Acceptance (WRLD)
Market Price (2/16/2026): $131.02Market Cap: $623.6 MilSector: FinancialsIndustry: Consumer Finance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.9%, FCF Yield is 40% | Weak multi-year price returns2Y Excs Rtn is -36%, 3Y Excs Rtn is -33% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 119% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 49%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 48% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -2.9% | |
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -28% | Key risksWRLD key risks include [1] deteriorating credit quality from an aggressive growth strategy that has created a higher-risk, Show more. | |
| Low stock price volatilityVol 12M is 50% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Financial Inclusion. Themes include Online Banking & Lending, and Small-Dollar Consumer Lending. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.9%, FCF Yield is 40% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 49%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 48% |
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -28% |
| Low stock price volatilityVol 12M is 50% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Financial Inclusion. Themes include Online Banking & Lending, and Small-Dollar Consumer Lending. |
| Weak multi-year price returns2Y Excs Rtn is -36%, 3Y Excs Rtn is -33% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 119% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -2.9% |
| Key risksWRLD key risks include [1] deteriorating credit quality from an aggressive growth strategy that has created a higher-risk, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. Mixed Financial Performance and Earnings Misses: World Acceptance Corporation's stock movement between October 2025 and February 2026 was influenced by mixed financial results, including an earnings miss for Q2 fiscal year 2026 (ended September 30, 2025), reported in late October 2025. This was followed by a significant swing from profit to loss in Q3 fiscal year 2026 (ended December 31, 2025), reported around early February 2026, where the company posted a net loss of $0.9 million compared to a $13.4 million profit in the prior year's quarter, and an EPS of -$0.19 against an expected $0.78.
2. Rising Credit Loss Provisions and Operating Expenses: A core reason for the deteriorating profitability was a notable increase in credit loss provisions and operating expenses. For the nine-month period ending December 31, 2025, the company reported a $1.5 million net loss, a substantial decline from $45.5 million in net income during the same period the previous year, primarily due to these heightened costs.
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Stock Movement Drivers
Fundamental Drivers
The 2.9% change in WRLD stock from 10/31/2025 to 2/15/2026 was primarily driven by a 77.9% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 127.47 | 131.15 | 2.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 525 | 525 | 0.1% |
| Net Income Margin (%) | 15.4% | 8.1% | -47.3% |
| P/E Multiple | 8.2 | 14.6 | 77.9% |
| Shares Outstanding (Mil) | 5 | 5 | 9.8% |
| Cumulative Contribution | 2.9% |
Market Drivers
10/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| WRLD | 2.9% | |
| Market (SPY) | -0.0% | 32.8% |
| Sector (XLF) | -1.4% | 39.3% |
Fundamental Drivers
The -16.6% change in WRLD stock from 7/31/2025 to 2/15/2026 was primarily driven by a -52.7% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 157.32 | 131.15 | -16.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 522 | 525 | 0.6% |
| Net Income Margin (%) | 17.2% | 8.1% | -52.7% |
| P/E Multiple | 9.3 | 14.6 | 56.6% |
| Shares Outstanding (Mil) | 5 | 5 | 11.7% |
| Cumulative Contribution | -16.6% |
Market Drivers
7/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| WRLD | -16.6% | |
| Market (SPY) | 8.2% | 32.4% |
| Sector (XLF) | -1.1% | 37.1% |
Fundamental Drivers
The -7.1% change in WRLD stock from 1/31/2025 to 2/15/2026 was primarily driven by a -50.1% change in the company's Net Income Margin (%).| (LTM values as of) | 1312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 141.16 | 131.15 | -7.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 514 | 525 | 2.2% |
| Net Income Margin (%) | 16.3% | 8.1% | -50.1% |
| P/E Multiple | 9.2 | 14.6 | 58.4% |
| Shares Outstanding (Mil) | 5 | 5 | 14.9% |
| Cumulative Contribution | -7.1% |
Market Drivers
1/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| WRLD | -7.1% | |
| Market (SPY) | 14.3% | 49.5% |
| Sector (XLF) | 1.4% | 50.6% |
Fundamental Drivers
The 37.0% change in WRLD stock from 1/31/2023 to 2/15/2026 was primarily driven by a 186.7% change in the company's Net Income Margin (%).| (LTM values as of) | 1312023 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 95.72 | 131.15 | 37.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 581 | 525 | -9.6% |
| Net Income Margin (%) | 2.8% | 8.1% | 186.7% |
| P/E Multiple | 33.2 | 14.6 | -56.0% |
| Shares Outstanding (Mil) | 6 | 5 | 20.3% |
| Cumulative Contribution | 37.0% |
Market Drivers
1/31/2023 to 2/15/2026| Return | Correlation | |
|---|---|---|
| WRLD | 37.0% | |
| Market (SPY) | 74.0% | 44.6% |
| Sector (XLF) | 47.7% | 45.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WRLD Return | 140% | -73% | 98% | -14% | 25% | -9% | 25% |
| Peers Return | 56% | -16% | 20% | 16% | 33% | 4% | 156% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| WRLD Win Rate | 67% | 17% | 58% | 33% | 50% | 50% | |
| Peers Win Rate | 68% | 47% | 52% | 52% | 65% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| WRLD Max Drawdown | 0% | -76% | -1% | -20% | -2% | -18% | |
| Peers Max Drawdown | -10% | -35% | -10% | -12% | -12% | -6% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: OMF, RM, CACC, FCFS, EZPW.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/13/2026 (YTD)
How Low Can It Go
| Event | WRLD | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -77.0% | -25.4% |
| % Gain to Breakeven | 334.9% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -51.7% | -33.9% |
| % Gain to Breakeven | 107.0% | 51.3% |
| Time to Breakeven | 138 days | 148 days |
| 2018 Correction | ||
| % Loss | -50.7% | -19.8% |
| % Gain to Breakeven | 103.0% | 24.7% |
| Time to Breakeven | 576 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -76.9% | -56.8% |
| % Gain to Breakeven | 332.8% | 131.3% |
| Time to Breakeven | 641 days | 1,480 days |
Compare to OMF, RM, CACC, FCFS, EZPW
In The Past
World Acceptance's stock fell -77.0% during the 2022 Inflation Shock from a high on 12/22/2021. A -77.0% loss requires a 334.9% gain to breakeven.
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About World Acceptance (WRLD)
AI Analysis | Feedback
H&R Block for small personal loans.
Capital One for local, small-dollar personal loans.
AI Analysis | Feedback
- Small-dollar Installment Loans: These are unsecured consumer loans offered to individuals, often with subprime credit, to provide access to credit for various personal needs.
- Credit Insurance: The company offers various credit-related insurance products, such as credit life, credit accident & health, and involuntary unemployment insurance, typically sold in conjunction with their loans.
- Tax Preparation Services: During tax season, World Acceptance provides tax preparation assistance to customers, which can also serve as a channel for their loan products.
AI Analysis | Feedback
World Acceptance Corporation (symbol: WRLD) primarily sells its financial products and services to **individuals**, not other companies.
The company serves the following categories of individual customers:
Individuals with limited access to traditional credit: These customers often do not qualify for loans from conventional banks, credit unions, or other prime lenders due to their credit history, income levels, or lack of an established credit file. They represent a significant portion of the "underbanked" or "unbanked" population.
Customers seeking small-dollar, short-term and medium-term installment loans: These individuals are looking for relatively small loans, typically ranging from a few hundred to a few thousand dollars, to manage various personal expenses. The loans are structured with fixed installment payments over a defined period, making them manageable for these borrowers.
Borrowers with non-prime or subprime credit profiles: Complementing the "limited access" description, World Acceptance's clientele often includes individuals with lower credit scores or those who are in the process of rebuilding their credit. They are typically seeking accessible credit solutions when other options are unavailable to them.
AI Analysis | Feedback
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R. Chad Prashad, President and Chief Executive Officer
R. Chad Prashad was appointed President and Chief Executive Officer in June 2018. [cite: 1 in previous turn, 2 in previous turn, 7 in previous turn] Prior to this, he served as Senior Vice President and Chief Strategy and Analytics Officer from February 2018 to June 2018, and as Vice President of Analytics from June 2014 to February 2018 at World Acceptance Corporation. [cite: 14 in previous turn] Before joining World Acceptance, he held roles as Senior Director of Strategy Development (2013-2014) and Director of Legal Strategy (2009-2013) for Resurgent Capital Services, a consumer debt managing and servicing company. [cite: 11 in previous turn, 14 in previous turn] Mr. Prashad holds a Bachelor of Arts in Political Science and dual Bachelor of Science degrees in Business Administration and Economics from Presbyterian College, as well as a Master of Arts in Economics from Clemson University. [cite: 11 in previous turn, 14 in previous turn] He is also involved with several non-profit boards and operates the charitable foundation CHAM Innovation Fund. [cite: 12 in previous turn]
John L. Calmes, Jr., Executive Vice President, Chief Financial & Strategy Officer, and Treasurer
John L. Calmes, Jr. has served as Executive Vice President, Chief Financial & Strategy Officer, and Treasurer since October 2018. [cite: 3 in previous turn, 5 in previous turn, 8] His previous positions at World Acceptance Corporation include Senior Vice President, Chief Financial Officer and Treasurer (November 2015 to October 2018), and Vice President, Chief Financial Officer and Treasurer (December 2013 to November 2015). Before his tenure at World Acceptance, he was Director of Finance - Corporate and Investment Banking Division of Bank of TokyoMitsubishi UFJ in 2013, and a Senior Manager (2011-2013) and Manager (2008-2011) at PricewaterhouseCoopers.
D. Clinton Dyer, Executive Vice President, Chief Branch Operations Officer
D. Clinton Dyer was appointed Executive Vice President of Branch Operations on September 1, 2016. He possesses over 20 years of experience in consumer finance operations within the small-loan consumer finance industry. His roles at World Acceptance Corporation prior to his current position include Senior Vice President of the South Eastern Division (2015-2016), Senior Vice President of the Central Division (2005-2015), Vice President, Operations of Tennessee and Missouri (2002-2005), Supervisor of Nashville District (2001-2002), and Manager of Nashville (1997-2001).
Luke J. Umstetter, Senior Vice President, General Counsel, Chief Compliance Officer and Secretary
Luke J. Umstetter has served as Senior Vice President, General Counsel, Chief Compliance Officer, and Secretary at World Acceptance Corporation since August 2018. [cite: 3 in previous turn, 4] His prior experience includes serving as General Counsel and Chief Compliance Officer at Shellpoint Mortgage Servicing (December 2015 - August 2018) and General Counsel at Global Lending Services LLC (May 2015 - December 2015). [cite: 4, 11 in previous turn] Mr. Umstetter also worked as Managing Counsel and Corporate Counsel at Resurgent Capital Services for eight years (June 2009 - May 2015). [cite: 4, 11 in previous turn] He holds an MBA from the Moore School of Business at the University of South Carolina and a Juris Doctorate from the USC School of Law.
A. Lindsay Caulder, Senior Vice President, Human Resources
A. Lindsay Caulder joined World Acceptance Corporation in 2016 as Senior Vice President of Human Resources. In this role, she oversees talent acquisition and management, learning, employee relations, benefits, compensation, and payroll. Ms. Caulder has been instrumental in building a strong company culture, leading initiatives such as a benefits program overhaul and the establishment of the "Culture of Caring" program, which includes the World Acceptance Foundation to support employees. She is also credited with creating a mentorship program for young professional women and improving internal recruitment infrastructure. Ms. Caulder is a 1998 graduate of Presbyterian College.
AI Analysis | Feedback
The key risks to World Acceptance Corporation's business include:- Deteriorating Credit Quality and High-Risk Loan Book: World Acceptance Corporation's aggressive strategy to acquire new customers has led to a rapid expansion of its loan book, which increasingly includes higher-risk borrowers. This focus on a subprime market and less seasoned loan portfolio exposes the company to a considerable risk of deteriorating credit quality, potentially leading to higher-than-expected defaults. This can result in increased loan loss provisions and pressure on profit margins, especially during an economic downturn.
- Regulatory Scrutiny and Compliance Risks: The company operates within a highly structured and uncertain regulatory environment at both federal and state levels. The Consumer Financial Protection Bureau (CFPB) has recently established supervisory authority over World Acceptance, citing reasonable cause to believe the company's conduct poses risks to consumers. These concerns include practices related to bundling loans with insurance products, potentially harmful collection practices, inaccurate credit reporting, and risks associated with serial refinancing. The company also has a history of regulatory issues, including an SEC fine of $21.7 million in 2020 for a long-running bribery scheme in its Mexican subsidiary. Changes in regulations or further adverse findings could significantly impact the company's operations, profitability, and expansion capabilities.
- Competition: World Acceptance operates in a fragmented segment of the consumer lending industry, where competition among small-loan consumer finance companies primarily revolves around customer relationships, service quality, and local reputation. While World Acceptance's size may offer some advantage in terms of capital access and cost, it generally faces competition from other small-loan lenders. Commercial banks, savings and loans, and credit unions typically offer loans with lower interest rates and fees due to stricter credit requirements, which could indirectly affect World Acceptance's target demographic by limiting their pool of eligible customers or by offering alternative credit options.
AI Analysis | Feedback
The increasing adoption and widespread availability of Earned Wage Access (EWA) services and FinTech-driven online installment lenders represent clear emerging threats to World Acceptance.
- Earned Wage Access (EWA) Services: These platforms (e.g., PayActiv, Even, DailyPay) allow employees to access a portion of their earned wages before their scheduled payday, often for free or a small fee. This directly addresses the short-term liquidity needs of many individuals who would traditionally turn to lenders like World Acceptance for high-interest, small-dollar loans, thereby reducing demand for WRLD's core product by offering a lower-cost or no-cost alternative.
- FinTech-Driven Online Installment Lenders: A growing number of online lenders are leveraging advanced data analytics, artificial intelligence, and streamlined digital platforms to offer installment loans. These companies can often operate with lower overheads than traditional brick-and-mortar lenders, potentially offering more competitive rates or a more convenient borrowing experience, thus attracting customers who might otherwise use World Acceptance.
AI Analysis | Feedback
World Acceptance Corporation's main products and services include short-term small installment loans and medium-term larger installment loans, primarily targeting the subprime market in the United States. The company also offers related credit insurance, income tax return preparation and electronic filing services, and automobile club memberships as an agent.
Addressable Market Sizes (U.S. Region):
- Small-Dollar Loans (primarily short-term, small installment loans): The addressable market size for small-dollar loans in the U.S., where finance companies hold nearly 60% of the balances, was approximately $835 million as of July 2024.
- Personal/Installment Loans (includes medium-term larger installment loans): The broader U.S. personal loan market, which encompasses installment loans, reached approximately $356 billion as of the end of 2022.
- Credit Insurance: null
- Income Tax Return Preparation and Electronic Filing Services: null
- Automobile Club Memberships: null
AI Analysis | Feedback
Expected Drivers of Future Revenue Growth for World Acceptance (WRLD)
Over the next two to three years, World Acceptance Corporation (WRLD) is expected to drive future revenue growth through several key initiatives and market trends: * Expansion of Customer Base: World Acceptance has recently demonstrated growth in its customer base, with a 4% increase in the first quarter of fiscal year 2026, marking the first such rise in three years, and a 6.2% increase over the twelve months ending September 30, 2025. This momentum, particularly in acquiring new customers, is anticipated to be a significant driver of revenue. The new customer portfolio expanded by 35% year-over-year in the second quarter of fiscal 2026. * Increase in New Loan Originations and Volume: The company has reported substantial increases in new loan originations. New loan originations rose 12.6% year over year in Q1 FY2026, reaching levels last seen in fiscal year 2020. New customer loan volume surged 40.4% compared to the second quarter of fiscal 2025, returning to pre-COVID levels. This continued growth in both the number and dollar value of new loans is a direct contributor to revenue. * Overall Loan Portfolio Growth: Following a period of decline, World Acceptance has achieved a return to overall loan portfolio growth. The company reported its first year-over-year growth in outstanding loans since September 2022, with gross loans increasing 1.5% to $1.32 billion as of September 30, 2025. The portfolio grew nominally by 5.5% more year-over-year in fiscal Q2 2026. This expansion of the loan portfolio directly translates to increased interest and fee income. * Improved Gross Yields and Interest/Fee Income: World Acceptance has observed improvements in gross yields across all customer types and an increase in interest and fee income. Interest, fee, and insurance income increased by $4.6 million, or 3.6% year-over-year, in Q2 FY2026, including a 136 basis point yield increase. These enhanced yields on its loan products contribute to higher revenue generation from its lending activities.AI Analysis | Feedback
Share Repurchases
- World Acceptance Corporation repurchased approximately $36.2 million in shares during fiscal 2024.
- The company repurchased approximately $54.2 million in shares during fiscal 2025.
- A new share repurchase program, authorized on July 24, 2025, allows for up to $100 million in repurchases, inclusive of prior unused authorizations, and additionally permits repurchases of up to 100% of net income with an upfront allowance of $100 million starting January 1, 2025. Between July 22, 2025, and September 30, 2025, the company repurchased 354,455 shares for $59.57 million under this program.
Share Issuance
- On August 20, 2025, shareholders approved the 2025 Stock Incentive Plan, which authorizes the issuance of up to 400,000 shares for stock options and other awards.
Outbound Investments
- The company acquired $18.8 million in loans receivable, net during fiscal 2025 and $2.1 million in fiscal 2024.
Latest Trefis Analyses
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 94.03 |
| Mkt Cap | 3.4 |
| Rev LTM | 1,812 |
| Op Inc LTM | 562 |
| FCF LTM | 404 |
| FCF 3Y Avg | 353 |
| CFO LTM | 439 |
| CFO 3Y Avg | 392 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.6% |
| Rev Chg 3Y Avg | 6.9% |
| Rev Chg Q | 10.8% |
| QoQ Delta Rev Chg LTM | 2.6% |
| Op Mgn LTM | 15.4% |
| Op Mgn 3Y Avg | 13.6% |
| QoQ Delta Op Mgn LTM | 0.9% |
| CFO/Rev LTM | 47.4% |
| CFO/Rev 3Y Avg | 50.9% |
| FCF/Rev LTM | 47.0% |
| FCF/Rev 3Y Avg | 49.0% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 3.4 |
| P/S | 1.3 |
| P/EBIT | 8.5 |
| P/E | 12.3 |
| P/CFO | 3.7 |
| Total Yield | 8.1% |
| Dividend Yield | 0.4% |
| FCF Yield 3Y Avg | 28.6% |
| D/E | 1.2 |
| Net D/E | 1.2 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -1.5% |
| 3M Rtn | 2.9% |
| 6M Rtn | 1.5% |
| 12M Rtn | 2.3% |
| 3Y Rtn | 47.1% |
| 1M Excs Rtn | -1.8% |
| 3M Excs Rtn | 2.2% |
| 6M Excs Rtn | -5.5% |
| 12M Excs Rtn | -7.7% |
| 3Y Excs Rtn | -19.4% |
Price Behavior
| Market Price | $131.15 | |
| Market Cap ($ Bil) | 0.7 | |
| First Trading Date | 12/02/1991 | |
| Distance from 52W High | -28.9% | |
| 50 Days | 200 Days | |
| DMA Price | $138.36 | $153.47 |
| DMA Trend | indeterminate | down |
| Distance from DMA | -5.2% | -14.5% |
| 3M | 1YR | |
| Volatility | 57.2% | 49.9% |
| Downside Capture | 73.76 | 110.29 |
| Upside Capture | 39.68 | 81.13 |
| Correlation (SPY) | 32.9% | 49.3% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.86 | 1.63 | 1.66 | 1.60 | 1.28 | 1.37 |
| Up Beta | 9.80 | 7.73 | 3.96 | 3.28 | 1.45 | 1.48 |
| Down Beta | 3.06 | 2.42 | 1.65 | 1.99 | 1.36 | 1.31 |
| Up Capture | -250% | -139% | 76% | 31% | 75% | 175% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 10 | 20 | 34 | 70 | 139 | 394 |
| Down Capture | 14% | 115% | 115% | 130% | 110% | 108% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 21 | 27 | 55 | 111 | 355 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WRLD | |
|---|---|---|---|---|
| WRLD | -9.6% | 50.0% | -0.03 | - |
| Sector ETF (XLF) | 1.6% | 19.3% | -0.04 | 50.8% |
| Equity (SPY) | 14.0% | 19.4% | 0.55 | 49.5% |
| Gold (GLD) | 74.3% | 25.3% | 2.17 | -5.1% |
| Commodities (DBC) | 7.0% | 16.7% | 0.24 | 11.5% |
| Real Estate (VNQ) | 7.9% | 16.6% | 0.28 | 38.9% |
| Bitcoin (BTCUSD) | -29.8% | 44.9% | -0.65 | 22.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WRLD | |
|---|---|---|---|---|
| WRLD | -0.1% | 55.1% | 0.21 | - |
| Sector ETF (XLF) | 12.4% | 18.7% | 0.54 | 44.9% |
| Equity (SPY) | 13.3% | 17.0% | 0.62 | 45.7% |
| Gold (GLD) | 22.1% | 17.0% | 1.06 | 2.5% |
| Commodities (DBC) | 10.5% | 18.9% | 0.44 | 7.8% |
| Real Estate (VNQ) | 5.2% | 18.8% | 0.18 | 39.4% |
| Bitcoin (BTCUSD) | 8.3% | 57.2% | 0.37 | 20.2% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WRLD | |
|---|---|---|---|---|
| WRLD | 15.4% | 55.5% | 0.49 | - |
| Sector ETF (XLF) | 13.8% | 22.2% | 0.57 | 43.5% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 42.3% |
| Gold (GLD) | 15.3% | 15.6% | 0.82 | 0.6% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 13.9% |
| Real Estate (VNQ) | 6.4% | 20.7% | 0.27 | 34.5% |
| Bitcoin (BTCUSD) | 67.9% | 66.7% | 1.07 | 12.3% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/27/2026 | -17.6% | -13.6% | |
| 10/23/2025 | -12.8% | -25.8% | -23.9% |
| 7/24/2025 | -9.6% | -7.9% | -4.1% |
| 4/29/2025 | 3.4% | -2.4% | 11.1% |
| 1/28/2025 | 16.3% | 7.9% | 4.3% |
| 10/25/2024 | -0.6% | -1.7% | 2.7% |
| 7/26/2024 | -17.7% | -19.2% | -19.9% |
| 5/2/2024 | 1.1% | -2.5% | -7.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 9 | 14 |
| # Negative | 12 | 15 | 9 |
| Median Positive | 7.2% | 11.9% | 6.5% |
| Median Negative | -9.1% | -13.6% | -9.6% |
| Max Positive | 33.9% | 21.6% | 35.3% |
| Max Negative | -27.3% | -28.8% | -32.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/09/2026 | 10-Q |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/06/2025 | 10-Q |
| 03/31/2025 | 05/22/2025 | 10-K |
| 12/31/2024 | 02/06/2025 | 10-Q |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/23/2024 | 10-K |
| 12/31/2023 | 02/07/2024 | 10-Q |
| 09/30/2023 | 11/03/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 06/01/2023 | 10-K |
| 12/31/2022 | 02/03/2023 | 10-Q |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/27/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Calmes, John L Jr | See remarks | Direct | Sell | 12192025 | 149.21 | 1,000 | 149,213 | 8,116,439 | Form |
| 2 | Prashad, R Chad | President and CEO | Direct | Sell | 12192025 | 147.67 | 3,000 | 442,997 | 10,877,049 | Form |
| 3 | Dyer, Daniel Clinton | See remarks | Direct | Sell | 12172025 | 150.00 | 89 | 13,350 | 6,374,550 | Form |
| 4 | Dyer, Daniel Clinton | See remarks | Direct | Sell | 12172025 | 149.00 | 8,857 | 1,319,693 | 5,012,360 | Form |
| 5 | Caulder, Alice Lindsay | SVP, Human Resources | Direct | Sell | 9182025 | 167.33 | 1,000 | 167,330 | 2,763,455 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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