` Comparison: WRLD vs DFS - Alpha Spread
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WRLD
vs
DFS

Over the past 12 months, WRLD has underperformed DFS, delivering a return of -5% compared to the DFS's +4% growth.

Valuation Growth Profitability Solvency Stocks Performance
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WRLD
DFS
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Stocks Compared:
WRLD DFS
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Valuation Comparison

WRLD Intrinsic Value
253.29 USD
Undervaluation 49%
Intrinsic Value
Price
DFS Intrinsic Value
218.58 USD
Undervaluation 8%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
World Acceptance Corp
NASDAQ:WRLD
129.55 USD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
WRLD, DFS

WRLD
DFS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
World Acceptance Corp
Revenue
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Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
WRLD, DFS

WRLD
DFS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
World Acceptance Corp
NASDAQ:WRLD
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

WRLD
92.3%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
World Acceptance Corp
Discover Financial Services
Not applicable for financial companies

Operating Margin

WRLD
10.2%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
World Acceptance Corp
Discover Financial Services
Not applicable for financial companies

Net Margin

WRLD
7.5%
DFS
24.9%

FCF Margin

WRLD
44%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
World Acceptance Corp
Discover Financial Services
Not applicable for financial companies

ROE

WRLD
11%
DFS
32.8%

ROA

WRLD
3.8%
DFS
3.7%

ROIC

WRLD
4.3%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
World Acceptance Corp
Discover Financial Services
Not applicable for financial companies

ROCE

WRLD
5.8%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
World Acceptance Corp
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

World Acceptance Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
WRLD, DFS

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WRLD
DFS
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Performance Gap
WRLD, DFS

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WRLD
DFS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
WRLD, DFS

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WRLD
DFS
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