World Acceptance (WRLD) EBITDA Margin (2010 - 2025)
World Acceptance (WRLD) recorded quarterly EBITDA Margin of 8.33% in Q4 2025, down 11.45% quarter-over-quarter from 9.41% in Q3 2025, and down 1136.0% year-on-year from 0.8% in Q4 2024.
World Acceptance (WRLD) EBITDA Margin (2010 - 2025) Analysis & Trends
World Acceptance has disclosed EBITDA Margin across 16 years of filings, most recently posting 8.33% for Q4 2025.
- For the quarter ending Q4 2025, EBITDA Margin fell 1136.0% year-over-year to 8.33%; the trailing twelve-month figure through Dec 2025 stood at 17.84% (down 842.0% YoY), and the FY2025 full-year result was 27.39%, up 163.0% from the prior year.
- EBITDA Margin was 8.33% for Q4 2025 at World Acceptance, down from 9.41% in the prior quarter.
- Over five years, EBITDA Margin peaked at 43.23% in Q1 2021 and troughed at 0.28% in Q2 2022.
- The 5-year median for EBITDA Margin is 18.68% (2024), against an average of 19.76%.
- The sharpest annual moves came in 2021 and 2022: EBITDA Margin jumped 2233 bps in 2021, then sank 2290 bps in 2022.
- Year by year, EBITDA Margin stood at 12.0% in 2021, then rose by 25 bps to 14.99% in 2022, then soared by 51 bps to 22.66% in 2023, then fell by 13 bps to 19.7% in 2024, then sank by 58 bps to 8.33% in 2025.
- Per Business Quant data, the three most recent EBITDA Margin figures were 8.33% in Q4 2025, 9.41% in Q3 2025, and 8.74% in Q2 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 548.22 Bn | 535.81 Bn | - | 64.42% |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 58.43% |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 44.55% |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 42.26% |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 28.77% |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | 13.91% |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 15.79% |
| 10 | World Acceptance | 894.60 Mn | 884.60 Mn | - | 8.33% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 8.33% |
| Sep 30, 2025 | 9.41% |
| Jun 30, 2025 | 8.74% |
| Mar 31, 2025 | 40.12% |
| Dec 31, 2024 | 19.70% |
| Sep 30, 2024 | 29.21% |
| Jun 30, 2024 | 17.52% |
| Mar 31, 2024 | 36.65% |
| Dec 31, 2023 | 22.66% |
| Sep 30, 2023 | 24.45% |
| Jun 30, 2023 | 17.65% |
| Mar 31, 2023 | 26.27% |
| Dec 31, 2022 | 14.99% |
| Sep 30, 2022 | 8.56% |
| Jun 30, 2022 | 0.28% |
| Mar 31, 2022 | 20.33% |
| Dec 31, 2021 | 12.00% |
| Sep 30, 2021 | 15.09% |
| Jun 30, 2021 | 20.09% |
| Mar 31, 2021 | 43.23% |