Based on Clarity's multi-model valuation engine, WORLD ACCEPTANCE CORP (WRLD) has an estimated fair value of $193.55 per share, compared to its current market price of $138.97. The stock is currently trading 39.3% below Clarity's fair value estimate, resulting in a verdict of SIGNIFICANTLY UNDERVALUED.

This valuation blends 5 independent models — including Residual Income, Comparable Companies, ROIC Fade, and 2 more. The primary weight is given to the Residual Income model, with Bayesian triangulation used to reconcile the estimates into a single blended fair value. The 5 models show moderate agreement with a 35% spread between the highest and lowest estimates.

Monte Carlo simulation across 5,000 scenarios estimates a 66.3% probability that the stock is trading below its intrinsic value, with a median simulated value of $171.13.

Clarity's 1-year price target is $201.53, reflecting expected earnings growth and margin trajectory.

WORLD ACCEPTANCE CORP is classified under the Specialty Lender / Mortgage REIT sector, and this valuation is based on 10-K · Filed 2025-05-22 filings sourced directly from SEC EDGAR. All models use trailing twelve month (TTM) financials where available, with sector-appropriate growth and discount rate assumptions.