World Acceptance (WRLD) Debt Ratio (2011 - 2025)

World Acceptance (WRLD) reported Debt Ratio of 0.09 for Q4 2025, down 70.62% year-over-year from 0.3 in Q4 2024, and down 83.85% quarter-over-quarter from 0.55 in Q3 2025.

World Acceptance (WRLD) Debt Ratio (2011 - 2025) Analysis & Trends

World Acceptance (WRLD) has 15 years of Debt Ratio data on file, last reported at 0.09 in Q4 2025.

  • Debt Ratio for Q4 2025 came in at 0.09, down 70.62% year-over-year; the trailing twelve-month figure through Dec 2025 was 0.09 (down 70.62% YoY), and the FY2024 annual result was 0.21, down 23.25% from the prior year.
  • Debt Ratio slipped to 0.09 in Q4 2025 per WRLD's latest filing, from 0.55 in the prior quarter.
  • Over five years, Debt Ratio peaked at 0.55 in Q3 2025 and troughed at 0.09 in Q4 2025.
  • A 5-year average of 0.31 and a median of 0.3 in 2025 frame the typical range for Debt Ratio.
  • On a YoY basis, Debt Ratio climbed as much as 117.34% in 2025 and fell as far as 70.62% in 2025.
  • A 5-year view of Debt Ratio shows it stood at 0.33 in 2021, then gained by 4.7% to 0.35 in 2022, then dropped by 22.24% to 0.27 in 2023, then increased by 11.01% to 0.3 in 2024, then tumbled by 70.62% to 0.09 in 2025.
  • Business Quant data shows WRLD's Debt Ratio at 0.09 in Q4 2025, 0.55 in Q3 2025, and 0.3 in Q2 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 0.25
2 Mastercard 437.55 Bn 427.34 Bn - 0.36
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 0.01
4 Capital One Financial 112.47 Bn 35.97 Bn - 0.06
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 0.12
6 Synchrony Financial 24.26 Bn 3.70 Bn - 0.06
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.18
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.02
10 World Acceptance 796.25 Mn 786.25 Mn - 0.09

Historic Data

Download Data
DateValue
Dec 31, 2025 0.09
Sep 30, 2025 0.55
Jun 30, 2025 0.30
Dec 31, 2024 0.30
Sep 30, 2024 0.25
Jun 30, 2024 0.23
Mar 31, 2024 0.21
Dec 31, 2023 0.27
Sep 30, 2023 0.25
Jun 30, 2023 0.27
Mar 31, 2023 0.28
Dec 31, 2022 0.35
Sep 30, 2022 0.36
Jun 30, 2022 0.38
Mar 31, 2022 0.33
Dec 31, 2021 0.33
Sep 30, 2021 0.24
Jun 30, 2021 0.46
Mar 31, 2021 0.42
Dec 31, 2020 0.52