World Acceptance (WRLD) EBITDA Margin (2010 - 2025)

World Acceptance (WRLD) posted quarterly EBITDA Margin of 8.33% for Q4 2025, down 1136.0% YoY from 0.8% in Q4 2024, and down 11.45% sequentially from 9.41% in Q3 2025.

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.

  • In Q4 2025, EBITDA Margin fell 1136.0% year-over-year to 8.33%; the TTM figure through Dec 2025 stood at 17.84% (down 842.0% YoY), while the FY2025 annual figure was 27.39%, up 163.0% from the prior year.
  • EBITDA Margin declined to 8.33% in Q4 2025, from 9.41% in the prior quarter.
  • Over the last five years, EBITDA Margin for WRLD reached as high as 43.23% in Q1 2021 and fell as low as 0.28% in Q2 2022.
  • The 5-year median for EBITDA Margin is 18.68% (2024), against an average of 19.76%.
  • Annual changes were most pronounced in 2021 — EBITDA Margin jumped 2233 bps — and 2022, when it plunged 2290 bps.
  • A 5-year view of EBITDA Margin shows it 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.
  • According to Business Quant data, EBITDA Margin over the past three periods registered 8.33%, 9.41%, and 8.74% for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBITDA Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 64.42%
2 Mastercard 465.55 Bn 455.34 Bn - 58.43%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 18.77%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 17.81%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 28.77%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 13.91%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 15.79%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 24.11%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 15.96%
10 World Acceptance 1.04 Bn 1.03 Bn - 8.33%

Historic Data

Download Data
DateValue
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%