World Acceptance Corp

WRLD is in a Stage 4 decline with a medium-term bearish bias reinforced by a decisive support failure pattern and a sequence of lower highs and lower lows. Price trades below the declining 9 EMA and 21 EMA, which now act as resistance. Short-term momentum remains weak, favoring immediate selling into the EMA resistance zone while maintaining secular bullish orientation in the long run.

• ↑Q4 revenue grew 7.4% YoY to $177.6M with EPS of $7.70
• ↑Loans outstanding rose 4.4% YoY while delinquency rates declined
• ↓P/E of 32.3 implies roughly 24% overvaluation vs peers