World Acceptance (WRLD) Interest Coverage Ratio (2010 - 2026)
World Acceptance (WRLD) posted quarterly Interest Coverage Ratio of 0.99 for Q4 2025, down 59.09% year-over-year from 2.42 in Q4 2024, and up 8.75% quarter-over-quarter from 0.91 in Q3 2025.
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Analysis
World Acceptance (WRLD) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
World Acceptance (WRLD) has reported Interest Coverage Ratio for 16 consecutive years, with 0.99 the latest figure, recorded in Q4 2025.
- In Q4 2025, Interest Coverage Ratio fell 59.09% year-over-year to 0.99; the TTM figure through Dec 2025 stood at 2.04 (down 34.78% YoY), while the FY2025 annual figure was 3.51, up 15.49% from the prior year.
- Interest Coverage Ratio advanced to 0.99 in Q4 2025 per WRLD's latest filing, from 0.91 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 9.11 in Q1 2021 and bottomed at 0.39 in Q2 2022.
- Historically, Interest Coverage Ratio has averaged 2.86 across 5 years, with a median of 2.54 in 2023.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio tumbled 91.68% — and 2023, when it jumped 335.26%.
- World Acceptance's Interest Coverage Ratio stood at 1.76 in 2021, then retreated by 11.23% to 1.56 in 2022, then surged by 70.96% to 2.67 in 2023, then fell by 9.43% to 2.42 in 2024, then plunged by 59.09% to 0.99 in 2025.
- Business Quant data shows WRLD's Interest Coverage Ratio at 0.99 in Q4 2025, 0.91 in Q3 2025, and 1.16 in Q2 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | World Acceptance | 877.49 Mn | 867.07 Mn | - | 1.69 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.69 |
| Mar 31, 2026 | 4.63 |
| Dec 31, 2025 | 0.92 |
| Sep 30, 2025 | 0.88 |
| Jun 30, 2025 | 1.24 |
| Mar 31, 2025 | 5.87 |
| Dec 31, 2024 | 2.42 |
| Sep 30, 2024 | 3.67 |
| Jun 30, 2024 | 2.32 |
| Mar 31, 2024 | 4.93 |
| Dec 31, 2023 | 2.67 |
| Sep 30, 2023 | 2.67 |
| Jun 30, 2023 | 2.01 |
| Mar 31, 2023 | 3.47 |
| Dec 31, 2022 | 1.56 |
| Sep 30, 2022 | 0.99 |
| Jun 30, 2022 | 0.04 |
| Mar 31, 2022 | 3.10 |
| Dec 31, 2021 | 1.76 |
| Sep 30, 2021 | 3.10 |