Which has the lower trailing P/E, SPFI or WRLD?

SPFI has the lower trailing P/E: SPFI trades at 11.65 and WRLD at 20.92. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, SPFI or WRLD?

Over the past five years, SPFI grew revenue faster — SPFI at a 5.08% CAGR versus WRLD at 2.18%.

Does SPFI or WRLD pay a bigger dividend?

SPFI pays a dividend (1.58% yield), while WRLD has no payments in the available dividend history.

Is SPFI or WRLD more profitable?

SPFI runs the higher net margin — SPFI at 21.48% versus WRLD at 6.65%.

How have SPFI and WRLD total returns compared?

Over the past 5 years, SPFI delivered 13.77% and WRLD delivered -2.47% annualized total return. Past performance doesn't predict future results.

South Plains Financial, Inc. (SPFI) vs World Acceptance Corporation (WRLD)

A side-by-side comparison of South Plains Financial, Inc. and World Acceptance Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

SPFI

South Plains Financial, Inc.

$819M

$42.76Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

WRLD

World Acceptance Corporation

$825M

$176.96Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — SPFI vs WRLD

growth of $100 · dividends reinvested · last 7y

SPFI +169.7% (+15.2%/yr)WRLD +31.7% (+4.0%/yr)SPFI compounded faster over this window

SPFI WRLD

SPFI vs WRLD: by the numbers

•WRLD is the larger company ($825M vs $819M market cap).
•SPFI trades at the lower trailing earnings multiple (11.65 vs 20.92 P/E), one valuation lens rather than an overall verdict.
•SPFI converts more revenue to profit (21.48% vs 6.65% net margin).
•SPFI grew revenue faster over the past five years (5.08% vs 2.18% CAGR).
•SPFI pays a dividend (1.58% yield), while WRLD has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	SPFI	WRLD
P/E ratio	11.65	20.92
Forward P/E	10.96	13.43
PEG ratio	1.79	N/A
P/S ratio	2.70	1.39
P/B ratio	1.30	2.28

Profitability

Metric	SPFI	WRLD
Operating margin	27.18%	8.65%
Net margin	21.48%	6.65%
ROE	10.34%	10.86%

South Plains Financial, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

World Acceptance Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	SPFI	WRLD
Dividend yield	1.58%	N/A
Payout ratio	18.53%	N/A

Growth (annualized)

Metric	SPFI	WRLD
Revenue CAGR (5Y)	5.08%	2.18%
EPS CAGR (5Y)	7.48%	-12.03%
Total return CAGR (5Y)	13.77%	-2.47%

Frequently asked

Which has the lower trailing P/E, SPFI or WRLD?: SPFI has the lower trailing P/E: SPFI trades at 11.65 and WRLD at 20.92. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, SPFI or WRLD?: Over the past five years, SPFI grew revenue faster — SPFI at a 5.08% CAGR versus WRLD at 2.18%.
Does SPFI or WRLD pay a bigger dividend?: SPFI pays a dividend (1.58% yield), while WRLD has no payments in the available dividend history.
Is SPFI or WRLD more profitable?: SPFI runs the higher net margin — SPFI at 21.48% versus WRLD at 6.65%.
How have SPFI and WRLD total returns compared?: Over the past 5 years, SPFI delivered 13.77% and WRLD delivered -2.47% annualized total return. Past performance doesn't predict future results.

Go deeper

Full SPFI analysis Full WRLD analysis Interactive comparison tool

Dig into the metrics

South Plains Financial P/E ratio World Acceptance P/E ratio South Plains Financial dividend yield South Plains Financial ROE World Acceptance ROE South Plains Financial operating margin World Acceptance operating margin South Plains Financial revenue growth World Acceptance revenue growth

South Plains Financial & World Acceptance appear in these rankings

Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.