World Acceptance (WRLD) Net Margin (2010 - 2026)
World Acceptance (WRLD) posted quarterly Net Margin of 0.65% for Q4 2025, down 1030.0% year-over-year from 0.07% in Q4 2024, and up 55.42% quarter-over-quarter from 1.45% in Q3 2025.
Analysis
World Acceptance (WRLD) Net Margin (2010 - 2026) Analysis & Trends
World Acceptance (WRLD) has reported Net Margin for 15 consecutive years, with 0.65% the latest figure, recorded in Q4 2025.
- In Q4 2025, Net Margin fell 1030.0% year-over-year to 0.65%; the TTM figure through Dec 2025 stood at 7.46% (down 695.0% YoY), while the FY2025 annual figure was 15.89%, up 239.0% from the prior year.
- Net Margin grew to 0.65% in Q4 2025 per WRLD's latest filing, from 1.45% in the prior quarter.
- Across five years, Net Margin topped out at 30.68% in Q1 2021 and bottomed at 5.42% in Q2 2022.
- Historically, Net Margin has averaged 9.69% across 5 years, with a median of 9.34% in 2024.
- Annual changes were most pronounced in 2022 — Net Margin plunged 1978 bps — and 2023, when it jumped 1227 bps.
- World Acceptance's Net Margin stood at 4.92% in 2021, then dropped by 19 bps to 3.96% in 2022, then surged by 205 bps to 12.1% in 2023, then dropped by 20 bps to 9.66% in 2024, then tumbled by 107 bps to 0.65% in 2025.
- Business Quant data shows WRLD's Net Margin at 0.65% in Q4 2025, 1.45% in Q3 2025, and 1.01% in Q2 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 48.38% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 47.30% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 18.52% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 12.72% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 138.65% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 17.93% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 12.85% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 16.05% |
| 10 | World Acceptance | 877.49 Mn | 867.07 Mn | - | 4.39% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 4.39% |
| Mar 31, 2026 | 20.68% |
| Dec 31, 2025 | -0.71% |
| Sep 30, 2025 | -1.52% |
| Jun 30, 2025 | 1.19% |
| Mar 31, 2025 | 26.89% |
| Dec 31, 2024 | 9.58% |
| Sep 30, 2024 | 16.74% |
| Jun 30, 2024 | 7.61% |
| Mar 31, 2024 | 21.76% |
| Dec 31, 2023 | 12.10% |
| Sep 30, 2023 | 11.75% |
| Jun 30, 2023 | 6.85% |
| Mar 31, 2023 | 15.31% |
| Dec 31, 2022 | 3.96% |
| Sep 30, 2022 | -0.42% |
| Jun 30, 2022 | -5.42% |
| Mar 31, 2022 | 10.90% |
| Dec 31, 2021 | 4.92% |
| Sep 30, 2021 | 9.03% |