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| Date | Value |
|---|---|
| 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 |