World Acceptance Earnings Preview: Get Ahead of the Analysts

World Acceptance (NASDAQ:WRLD) will report earnings before markets open on Thursday, April 25th. World Acceptance Corporation operates a small-loan consumer finance business. The Company offers short-term loans, related credit insurance, and ancillary products and services to individuals. World Acceptance generally serves individuals with limited access to other sources of consumer credit from banks, savings and loans, other consumer finance businesses, and credit cards.

Here is your Cheat Sheet to World Acceptance Earnings:

Earnings Expectations: Analysts expect earnings of $3.06 per share on revenues of $160.53 million. Currently, the company’s P/E ratio stands at 11.44.

Analyst Trends:

Analysts have a more negative outlook for the company’s next-quarter performance. Over the past three months, the average estimate for next quarter’s earnings has fallen from a profit of $1.89 to a profit $1.83. For the current year, the average estimate is a profit of $7.98, which is worse than the estimate ninety days ago.

Earnings Trends:

Here’s how World Acceptance has been performing on an annual basis:

Fiscal Year 2008 2009 2010 2011 2012
Revenue ($) in millions 346.05 392.15 440.64 491.45 540.16
Diluted EPS ($) 2.89 3.43 4.45 5.63 6.59

Next, our CHEAT SHEET investing framework asks us to drill down to the recent quarterly data:

Quarter Dec. 31, 2011 Mar. 31, 2012 Jun. 30, 2012 Sep. 30, 2012 Dec. 31, 2012
Revenue ($) in millions 135.95 148.92 132.84 139.40 149.64
Diluted EPS ($) 1.30 2.50 1.63 1.72 1.58

Past Performance:
World Acceptance has beat analyst estimates 2 times in the past four quarters. This is not consistent enough to get bullish yet.

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(Company fundamentals provided by Xignite Financials. Email any earnings discrepancies to earnings [at]