Based on the aggregated intelligence of 135,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, small-loan consumer finance company World Acceptance (NASDAQ:WRLD) has received the dreaded one-star ranking.

With that in mind, let's take a closer look at World Acceptance's business and see what CAPS investors are saying about the stock right now.

World Acceptance facts

Headquarters (founded)

Greenville, S.C. (1962)

Market Cap

$299.6 million

Industry

Credit Services

Trailing-12-Month Revenue

$386.7 million

Management

Chairman/CEO Alexander McLean, III (since 2006)

CFO Kelly Malson (since 2006)

Annual Revenue Growth (average, last five years and TTM)

16.7% and 11.7%

Competitors

Advance America, Cash Advance Centers (NYSE:AEA)

EZCORP (NASDAQ:EZPW)

CAPS Members Bearish on WRLD Also Bearish on

Citigroup (NYSE:C)

Palm (NASDAQ:PALM)

CAPS Members Bullish on WRLD Also Bullish on

Johnson & Johnson (NYSE:JNJ)

Portfolio Recovery Associates (NASDAQ:PRAA)

Sources: Capital IQ, a division of Standard & Poor's, and Motley Fool CAPS.

Over on CAPS, fully 70 of the 115 All-Star members who have rated World Acceptance -- some 61% -- believe the stock will underperform the S&P 500 going forward. Among the entire bearish population are Scoobrs and StockWhisperer.

Last month, Scoobrs took stock whistleblower Citron Research's lead and refused to accept World Acceptance:

Recent legal rulings are paving the way for class action suits in multiple states. World Acceptance was already in trouble from impaired loans in a rough economy, but lawsuits and vanishing loopholes in state and federal lending laws will dry up their primary revenue stream. [World Acceptance] is STILL far overpriced from a valuation standpoint even if we assume that all legal and regulatory efforts fail.

In a pitch from last week, StockWhisperer also chose to play World-beater:

While [World Acceptance] isn't a credit card company, they DO extend credit... which puts the company on a potential chopping block. The current administration has gone after mortgage companies, they've gone after credit card companies, and I'm fairly certain that they'll go after anyone else that extends credit. If this legislation is applied to [World Acceptance], they'll be headed for zero over night. Again, as Citron said, [World Acceptance] never talks about things like this.

Secondly, if the administration doesn't smother [World Acceptance] in the cold, dark and silent night while it's sleeping, they'll kill it through inflation. All of the big banks and lenders are getting bailout money, while [World Acceptance] is getting the shaft. By the end of the year, [World Acceptance] is going to be collecting a devalued currency which could potentially cut into profits or force them to raise their already exorbitant interest rates.

What do you think about World Acceptance, or any other stock for that matter? Make your voice heard on Motley Fool CAPS today. More than 135,000 investors are waiting to hear what you have to say. CAPS is 100% free, so simply click here to get started.

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Portfolio Recovery is a Motley Fool Hidden Gems recommendation. Johnson & Johnson is a choice of Income Investor. The Fool's disclosure policy always gets a perfect score.