What is World Acceptance Corporation's Shariah compliance score?

World Acceptance Corporation's (WRLD) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does World Acceptance Corporation pass AAOIFI screening?

World Acceptance Corporation (WRLD) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (WRLD: 65.9%), (3) interest-bearing deposits below 30% (WRLD: 0.6%), and (4) prohibited income below 5% (WRLD: 84.6%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for World Acceptance Corporation stock?

World Acceptance Corporation (WRLD) has a non-permissible income ratio of 84.64%. Muslim investors should purify this percentage of any dividends received and capital gains realized from WRLD shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen World Acceptance Corporation for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for World Acceptance Corporation (WRLD) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about WRLD's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

WRLD: Is World Acceptance Corporation Halal?

World Acceptance Corporation

NASDAQFinancial ServicesUS

$207.98

-5.23%

Market Cap: 965.1M

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is World Acceptance Corporation (WRLD) halal? Not Halal. Based on AAOIFI screening, World Acceptance Corporation passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

65.9% of 30.0% limit

What this means for you

Most scholars advise not holding WRLD

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About World Acceptance Corporation

World Acceptance Corporation (WRLD) functions as a consumer finance provider, specializing in offering small-dollar loans. The company's product portfolio includes various installment loan types, ranging from short-term, modest sums to larger, medium-term credit facilities. Beyond direct lending, it furnishes a suite of complementary products and services. These encompass the sale of credit insurance—such as life, accident and health, property, auto, unemployment, and accidental death and dismemberment policies—marketed in conjunction with its loan offerings. Additionally, World Acceptance Corporation provides automobile club memberships to its borrowers and supports clients with income tax preparation and electronic filing services. Its primary demographic comprises individuals who encounter difficulties accessing credit through traditional channels like banks, credit unions, or larger financial institutions. Founded in 1962 and headquartered in Greenville, South Carolina, the corporation operated a network of 1,167 branches across seventeen U.S. states (Alabama, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin) as of March 31, 2022.

Sector: Financial Services · Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

More Financial Services Stocks

JPM

JPMorgan Chase & Co.

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Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is World Acceptance Corporation (WRLD) halal to invest in?

World Acceptance Corporation (WRLD) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did World Acceptance Corporation get a F compliance rating?

World Acceptance Corporation (WRLD) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 65.9% (limit 30%); interest-bearing deposits of 0.6% (limit 30%); prohibited income of 84.64% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change World Acceptance Corporation's Shariah verdict?

World Acceptance Corporation's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is World Acceptance Corporation re-screened for Shariah compliance?

World Acceptance Corporation (WRLD) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.