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| 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% |