{"filings":[{"id":2355516,"accession_number":"0000108385-26-000039","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-08-19T20:18:46+00:00","items":["5.07"],"status":"ready","headline":"World Acceptance shareholders elect six directors, approve say-on-pay, ratify RSM auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All six directors elected: Bramlett, Vassalluzzo, Way, Whitaker, Neuhoff, Robinson; each received >3.3M votes.","Say-on-pay advisory vote passed: 2,947,606 for, 708,462 against, 22,917 abstain.","Ratification of RSM US LLP as auditor approved: 4,052,458 for, 1,375 against, 4,163 abstain.","Quorum at Aug 19, 2026 annual meeting: 4,057,996 shares voted of 4,660,413 outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2246036,"accession_number":"0000108385-26-000037","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-08-13T20:58:42+00:00","items":["8.01"],"status":"ready","headline":"World Acceptance authorizes $50M share repurchase program on Aug 13, 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved repurchase of up to $50.0M of common stock, inclusive of prior authorizations.","Program may be suspended or discontinued at any time; timing depends on stock price, funds, and credit agreement.","Repurchases subject to corporate and regulatory requirements and alternative capital uses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1839036,"accession_number":"0001437749-26-024363","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-07-24T11:35:10+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q1 FY2027 net income $6.1M ($1.33/diluted); adjusted net income $9.7M ($2.12/diluted)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $139.2M, up 4.8% YoY from $132.8M in Q1 FY2026.","Gross loans outstanding $1.29B at June 30, 2026, up 2.3% from $1.26B a year earlier.","Loans 0-60 days past due improved to 18.1% from 19.2% YoY; loans 61+ days past due improved to 5.2% from 5.4%.","Adjusted net income excludes certain items; GAAP diluted EPS $1.33 vs adjusted diluted EPS $2.12."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1387720,"accession_number":"0000108385-26-000022","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-07-01T20:05:52+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"World Acceptance increases revolving credit facility by $15M to $655M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Aggregate commitments under revolving credit facility increased from $640M to $655M via $15M accordion increase.","New $15M commitment from Investar Bank, National Association, effective June 29, 2026.","Upfront fee of 0.15% of the new commitment paid to Investar Bank.","Terms (interest rate, maturity) same as existing loans; secured and guaranteed on pari passu basis."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":844477,"accession_number":"0001437749-26-019480","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-06-04T13:15:09+00:00","items":["5.02"],"status":"ready","headline":"Interim CEO Matricciani departs; Turner named Principal Executive Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Janet L. Matricciani's interim CEO role terminated June 3, 2026; no disagreement with company.","Matricciani to receive severance: base salary through Apr 12, 2027 ($38,461.54 biweekly), retains $350k cash award and 592 vested restricted shares.","J. Tobin Turner appointed as Principal Executive Officer for SEC reporting; remains EVP/COO.","Turner previously SVP Marketing & Analytics; joined Feb 2026; no compensation change in this designation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":668676,"accession_number":"0000108385-26-000011","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-05-26T20:35:02+00:00","items":["1.01","9.01"],"status":"ready","headline":"World Acceptance obtains temporary covenant relief on credit facility through Sept 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Fixed charge coverage covenant lowered to 2.20x (Mar 2026), 2.10x (Jun 2026), and 2.15x (Sep 2026), from 2.25x.","Consenting lenders received a fee of 0.03% of aggregate commitments for the modification.","Original 2.25x minimum covenant resumes for fiscal quarter ending Dec 31, 2026 and thereafter.","Company represents that no event of default exists after giving effect to the modification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91175,"accession_number":"0001437749-26-013984","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-04-30T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q4 net income falls 18% to $36.5M; gross loans up 4.4% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $36.5M ($7.70 diluted EPS) vs $44.3M ($8.13) in Q4 FY25, a decline of $7.8M.","Gross loans outstanding $1.28B, +4.4% YoY; new customer loans decreased to 8.2% of portfolio.","Provision for credit losses $36.8M (+$3.8M YoY); net charge-offs 18.7% of avg loans vs 18.5%.","G&A expenses $81.5M (+23.6%); personnel expense up 33.2% due to share-based comp and hiring.","FY26 net income $35.0M ($6.97 EPS) vs $89.7M ($16.30) in FY25; debt-to-equity ratio 1.7:1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91174,"accession_number":"0001437749-26-012282","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-04-15T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"World Acceptance CEO Chad Prashad resigns; Janet Matricciani named Interim CEO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["R. Chad Prashad resigned as President, CEO and Board member effective April 10, 2026; treated as termination without cause.","Janet Matricciani, former CEO (2015-2018), appointed Interim President and CEO effective April 13, 2026.","Matricciani receives $83,333/month salary, $350k signing bonus, and 7,095 stock grant vesting over 12 months.","Board reduced size from 7 to 6 directors upon Prashad's departure.","Company initiated search for permanent CEO; Matricciani to serve during transition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101122,"accession_number":"0001437749-26-004381","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-02-17T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"World Acceptance promotes J. Tobin Turner to EVP and COO; base salary $450K, equity grants awarded","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Turner appointed EVP and COO effective Feb 13, 2026; previously SVP of Marketing and Analytics since 2023.","Base salary of $450,000; eligible for stock incentive plan and other benefits.","Granted 6,000 time-based restricted shares (3-year quarterly vest) and 2,500 performance-based restricted shares tied to EPS target through March 2027.","Employment agreement includes $450K severance (24-month payout), accelerated vesting on change of control, and COBRA premium payment.","Non-compete, non-solicit, confidentiality, and non-disparagement obligations apply during and 2 years post-employment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101121,"accession_number":"0000108385-26-000007","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-02-11T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"World Acceptance Corp. board authorizes $50M share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved up to $50M in common stock repurchases on Feb. 11, 2026, inclusive of amounts remaining from prior authorizations.","Timing and number of shares depend on stock price, regulatory requirements, available funds, and revolving credit restrictions.","Program may be suspended or discontinued at any time at the Company's discretion.","Ticker: WRLD (NASDAQ)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101120,"accession_number":"0001437749-26-002140","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance posts Q3 net loss of $0.9M; provision and expenses surge","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $0.9M ($0.19 diluted) vs net income of $13.4M ($2.45) prior year.","Total revenues up 1.9% to $141.3M; gross loans grew 1.5% YoY to $1.40B.","Provision for credit losses increased $7.3M to $51.4M; net charge-offs 18.7% annualized vs 17.2%.","G&A expenses rose 16.1% to $78.1M; personnel costs up 24.9% on share-based comp and hiring.","Repurchased 102,559 shares for $15M in Q3; 11% of shares repurchased FYTD."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":408169899.0,"consensus_period":"2026-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117465,"accession_number":"0001437749-25-036854","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-12-04T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"World Acceptance EVP & Chief Branch Ops Officer Dyer to retire March 31, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["D. Clinton Dyer, EVP and Chief Branch Operations Officer, retires March 31, 2026 after 30 years.","Compensation Committee approved $550,000 severance payable over 24 months, COBRA lump sum, and full vesting of time-based equity.","Dyer also receives early retirement benefit under the 2005 Supplemental Income Plan.","J. Tobin Turner, SVP of Strategy and Analytics, named interim head of branch operations.","Transition period runs from December 4, 2025 through March 31, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117464,"accession_number":"0001437749-25-031573","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance reports Q2 net loss of $0.38 per share; loan growth returns after 3 years","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $1.9M ($0.38 diluted) vs income $22.1M ($3.99) a year ago; includes $3.7M early bond redemption charge.","Gross loans $1.32B, up 1.5% YoY (first growth since Sep 2022); sequential growth $51.2M.","Customer base up 6.2% YoY; new customer loan volume surged 40.4%.","Repurchased 385,867 shares (7.4%) for $66.6M in Q2; year-to-date repurchases 9.1% of outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":266917770.0,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117463,"accession_number":"0000108385-25-000089","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-10-03T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"World Acceptance Corp enters $175M warehouse facility for consumer loans","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Revolving $175M facility secured by consumer loan receivables; advance rate 75% (70% on trigger event).","Interest rate: Adjusted Term SOFR + 3.00% margin, floor 1%; Step-Up Margin up to 2.50% after default.","Revolving period ends September 29, 2027; legal final maturity 12 months later.","Recourse limited to repurchase or substitute ineligible receivables; servicer must maintain delinquency and charge-off ratios.","Borrower paid upfront fee; prepayment allowed without penalty except breakage costs and exit fee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133878,"accession_number":"0000108385-25-000081","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-08-22T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Shareholders approve 2025 Stock Incentive Plan, authorizing 400,000 shares; ~18% vote against","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan approved with 3,694,122 for, 827,657 against, 24,706 abstain; broker non-votes 390,740.","Plan authorizes up to 400,000 shares of common stock for options, SARs, restricted stock, and RSUs.","Plan effective August 20, 2025; awards may be granted until August 19, 2035.","All seven director nominees elected; advisory vote on executive compensation passed with 4,459,675 for.","Ratification of RSM US LLP as auditor for FY 2026 passed with 4,904,334 for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133877,"accession_number":"0001437749-25-023343","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["1.01","1.02","2.02","2.03","8.01","9.01"],"status":"ready","headline":"World Acceptance Q1 net income $1.3M ($0.25 EPS), revenue up 2.3%; new $640M credit facility, $100M buyback authorized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 net income $1.3M ($0.25 diluted EPS) vs $9.9M ($1.79) YoY; revenue $132.5M (+2.3% YoY).","Provision for credit losses $50.5M, up $5.1M YoY; net charge-offs 19.4% annualized vs 16.4%.","Gross loans $1.26B, down 0.8% YoY but up 3.2% sequentially; customer base +4.0% YoY.","Entered new 3-yr $640M senior secured asset-based credit facility (accordion to $790M); terminates prior $730M facility.","Redeeming all $168.3M 7% senior secured notes due 2026 at 101.75% of par; Board authorized $100M share buyback."],"consensus_eps_estimate":null,"consensus_eps_actual":0.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":132451920.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150614,"accession_number":"0000108385-25-000062","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-06-13T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"World Acceptance approves long-term incentive grants with $18.40 EPS performance target","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Performance Shares vest based on trailing EPS of $18.40 measured quarterly from Sept 30, 2025 through March 31, 2027.","Restricted Stock vests in two equal annual installments beginning December 1, 2026.","CEO R. Chad Prashad receives 28,000 Restricted Stock and 8,000 Performance Shares.","CFO John L. Calmes, Jr. receives 16,000 Restricted Stock and 6,000 Performance Shares.","Grants awarded under the 2017 Stock Incentive Plan to seven named executive officers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150613,"accession_number":"0000108385-25-000036","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"World Acceptance Corp authorizes up to $20M stock repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved up to $20M in common stock repurchases, including any prior remaining authorization.","Timing depends on stock price, regulatory requirements, available funds, and market conditions.","Program may be suspended or discontinued at any time at the company's discretion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150612,"accession_number":"0001437749-25-013411","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-04-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q4 net income $44.3M, EPS $8.13; revenue $165.3M up 3.8% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $44.3M ($8.13 diluted EPS) vs $35.1M ($6.09) in Q4 FY2024.","Total revenue $165.3M (+3.8% YoY); interest and fee income $117.6M (+1.2%).","Gross loans $1.23B (-4.0% YoY); customer base +3.5%; same-store loans -2.5%.","Provision for credit losses $33.0M (up $3.7M); 90-day delinquency 3.7% vs 3.1% year ago.","G&A expenses $65.9M (-7.9% YoY); company repurchased $32M in shares in Q4."],"consensus_eps_estimate":0.7956,"consensus_eps_actual":16.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":564841465.0,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169573,"accession_number":"0000108385-25-000010","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-02-12T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"World Acceptance Corp. authorizes $25M share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved $25M share repurchase program, inclusive of any remaining prior authorization.","Repurchases depend on stock price, regulatory requirements, available funds, and other conditions.","Program may be suspended or discontinued at any time at the Company's discretion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169572,"accession_number":"0001437749-25-001945","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q3 net income falls to $13.4M ($2.45 EPS) from $16.7M; revenue up 0.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $138.6M (+0.6% YoY); net income $13.4M vs $16.7M prior year.","Provision for credit losses rose to $44.1M from $40.6M; net charge-offs improved to 17.2% of avg loans from 19.1%.","Gross loans $1.38B (-1.4% YoY) but up 6.6% sequentially; 90+ day delinquency improved to 3.4% from 3.7%.","G&A expenses $67.2M (+2.0% YoY); interest expense down 3.4%; debt/equity ratio 1.3:1 vs 1.4:1.","Nine-month net income $45.5M ($8.23 diluted EPS) vs $42.3M ($7.17) prior year."],"consensus_eps_estimate":1.5198,"consensus_eps_actual":8.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":399569523.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186622,"accession_number":"0000108385-24-000064","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-12-20T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"World Acceptance cancels 10,000 CEO performance shares tied to $20.45 EPS target; grants service-based restricted stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO R. Chad Prashad forfeited 10,000 Performance Shares after $20.45 EPS target deemed no longer probable.","Company previously reversed $18.5M in stock-based compensation related to those shares in Q2 fiscal 2025 (disclosed in 10-Q).","Committee granted service-based restricted stock: Prashad 11,644 shares; Calmes, Dyer 6,718; Umstetter 4,478; others 2,687 each.","Service-based shares vest on December 18, 2025, contingent on continued service.","Two EPS targets remain: $16.35 (40% vesting) and $20.45 (60%); only $16.35 now probable."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186621,"accession_number":"0001437749-24-032063","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-10-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"WRLD Q2 fiscal 2025 net income $22.1M ($3.99 EPS) vs $16.1M ($2.71 EPS) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenues $131.4M, down 4% YoY; interest & fee income $113.9M vs $117.0M.","Provision for credit losses increased to $46.7M from $40.5M; net charge-offs $41.9M (17.6% annualized).","G&A expenses fell 26.4% to $46.4M, driven by $18.5M reversal of performance-based share plan expense.","Gross loans $1.30B, down 6.1% YoY but up 1.7% sequentially; new loan volume up 20.8%.","Repurchased 85,843 shares for $10M in Q2; debt-to-equity improved to 1.2:1."],"consensus_eps_estimate":null,"consensus_eps_actual":5.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":260936770.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203194,"accession_number":"0000108385-24-000041","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-08-22T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"World Acceptance shareholders elect all director nominees, approve say-on-pay and auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All seven director nominees elected with substantial majorities; Ken R. Bramlett Jr. received 4,441,586 votes for.","Advisory say-on-pay resolution approved with 4,646,686 votes for, 17,618 against, 24,711 abstain.","Ratification of RSM US LLP as auditor for FY2025 passed with 5,163,583 votes for, 26,983 against.","Broker non-votes of 501,721 recorded on director election and say-on-pay; none on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203193,"accession_number":"0001437749-24-023512","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-07-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q1 net income rises to $9.9M ($1.79 EPS); revenue falls 7% to $129.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $9.9M vs $9.5M YoY; diluted EPS $1.79 vs $1.62.","Total revenues $129.5M, down 7.0% from $139.3M; interest & fee income $111.2M (-4.7%).","Gross loans $1.275B, down 8.8% YoY; customer base decreased 2.6% (vs 14.8% decline prior year).","Net charge-offs $38.7M, down from $42.8M; provision $45.4M vs $46.6M.","G&A expenses $61.4M, down 9.9% YoY; debt/equity improved to 1.2:1; repurchased $11.1M stock."],"consensus_eps_estimate":null,"consensus_eps_actual":1.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":129527266.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219512,"accession_number":"0000108385-24-000021","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"World Acceptance approves $20M share repurchase program","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board authorized repurchase of up to $20M of outstanding common stock, inclusive of any remaining prior authorization.","Timing and number of shares depend on stock price, corporate/regulatory requirements, available funds, and other conditions.","Program may be suspended or discontinued at any time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219511,"accession_number":"0001437749-24-014252","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-05-02T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q4 net income $35.1M ($6.09 diluted); FY net income $77.3M vs $21.2M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q4 $35.1M ($6.09 diluted EPS) vs $24.6M ($4.20) a year ago; FY net income $77.3M ($13.19) vs $21.2M ($3.60).","Total revenues Q4 $159.3M (-1% YoY); FY revenues $573.2M (-7% YoY) reflecting lower loan balances.","Provision for credit losses fell to $29.3M from $45.4M; net charge-offs dropped to $47.4M from $64.4M.","Gross loans outstanding $1.28B (-8.1% YoY); recency delinquency 90+ days improved to 3.1% from 3.5%.","Repurchased 146,436 shares for $19M in Q4; debt-to-equity improved to 1.2:1 from 1.6:1."],"consensus_eps_estimate":null,"consensus_eps_actual":13.19,"consensus_revenue_estimate":null,"consensus_revenue_actual":573213402.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239339,"accession_number":"0000108385-24-000012","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-02-28T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"World Acceptance relaxes credit covenants: fixed charge coverage floor to 2.00x, debt-to-net worth limit to 225%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net Income Available for Fixed Charges ratio lowered from 2.25:1 to 2.00:1 for quarters ending Mar 31, 2024 through Dec 31, 2024.","Total Debt to Consolidated Adjusted Net Worth covenant set at maximum 225% for remainder of credit agreement term.","Amendment clarifies Electronic Chattel Paper conditions for inclusion in Borrowing Base; must satisfy defined criteria."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239338,"accession_number":"0000108385-24-000007","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-02-22T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"World Acceptance authorizes $30M share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved up to $30M in stock buybacks, inclusive of prior remaining authorization.","Repurchases depend on stock price, regulatory requirements, available funds, and market conditions.","Program may be suspended or discontinued at any time at Company's discretion.","Repurchases also subject to restrictions under Revolving Credit Agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239337,"accession_number":"0001157523-24-000082","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2024-01-19T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q3 net income $16.7M, EPS $2.84, revenue $137.7M (-6% YoY)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $16.7M vs $5.8M YoY; diluted EPS $2.84 vs $0.99; revenue $137.7M (-6% YoY).","Gross loans outstanding $1.40B (-9.9% YoY) but +1.5% sequentially; customer base down 2.4%.","Net charge-offs $48.4M (19.1% annualized) vs $71.0M (25.1%) YoY; 90+ day delinquency improved to 3.7% from 4.9%.","G&A expenses $65.91M (+1.5% YoY); advertising up 181% to $2.4M for customer acquisition.","Repurchased 148,765 shares for $17.2M; debt/equity ratio 1.4:1 vs 2.0:1 YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":7.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":413948499.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256845,"accession_number":"0000108385-23-000069","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2023-11-09T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"World Acceptance authorizes $20M share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved repurchase of up to $20M of common stock, inclusive of any remaining from prior authorizations.","Credit agreement amended to permit up to $20M repurchases in fiscal quarter ending Dec 31, 2023.","Repurchases depend on stock price, regulatory requirements, available funds, and other conditions.","Program may be suspended or discontinued at any time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256844,"accession_number":"0001157523-23-001511","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2023-10-20T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"WRLD Q2 FY2024 net income $16.1M, EPS $2.71; credit quality improves","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $16.1M vs. net loss of $0.6M in Q2 FY2023; diluted EPS $2.71 vs. ($0.11).","Total revenues down 9.5% to $136.9M; interest and fee income declined 10.4%.","Gross loans $1.38B, down 13.7% YoY; same-store loans decreased 10.9% over 12 months.","Net charge-offs as % of avg net loans improved to 16.1% from 23.0% (annualized).","Recency delinquency 90+ days improved to 3.7% from 5.0%; allowance at 12.8% of net loans."],"consensus_eps_estimate":null,"consensus_eps_actual":4.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":276199112.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":274200,"accession_number":"0000108385-23-000051","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2023-08-17T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"World Acceptance Corp. shareholders re-elect all directors and approve say-on-pay at 2023 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All seven director nominees elected, each receiving >90% of votes cast (excluding broker non-votes).","Advisory vote on executive compensation approved: 5,417,117 for, 19,019 against.","Shareholders selected every 1 year as frequency for future say-on-pay votes: 5,142,492 for 1-year.","Ratification of RSM US LLP as auditor for FY2024 approved: 5,711,374 for, 1,496 against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":274199,"accession_number":"0001157523-23-001121","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2023-07-21T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q1 FY2024 net income $9.5M, EPS $1.62; revenue down 11.8% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $9.5M vs net loss $8.6M in Q1 FY2023; diluted EPS $1.62 vs ($1.49).","Total revenues $139.3M, down 11.8% from $157.9M; interest/fee income down 10.4%.","Gross loans $1.40B, down 14.9% YoY but up 0.6% sequentially from March 2023.","Provision for credit losses $46.6M vs $85.8M; net charge-offs $42.8M vs $64.4M, annualized NCO rate 16.9% vs 22.3%.","Recency delinquency 90+ days improved to 3.5% from 4.1% YoY; 61+ days improved to 5.6% from 6.9%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":139323791.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":274198,"accession_number":"0000108385-23-000044","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2023-07-18T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"World Acceptance cuts revolver to $580M, extends maturity to June 2026, eases covenant","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Revolving commitments cut to $580M from $685M; accordion capacity increased to $150M.","Maturity extended to June 7, 2026 (from June 7, 2024).","Minimum fixed charge coverage ratio reduced to 2.25x from 2.75x, effective March 31, 2024.","South State Bank added as lender; Bank United and LEFCO RP 1 LLC paid off."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":291401,"accession_number":"0001157523-23-000727","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2023-05-04T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q4 FY2023 net income $25.6M, EPS $4.37; revenue down 4.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $25.6M ($4.37 diluted EPS) up 39.5% YoY from $18.4M ($2.97 EPS).","Total revenues $160.8M, down 4.6% YoY; gross loans $1.39B, down 8.7% YoY.","Accounts 90+ days past due improved to 3.5% from 4.9% at Dec 31, 2022.","Adjusted net income excluding allowance change was $11.6M ($1.97 EPS) vs $19.1M ($3.10 EPS) prior year.","Customer base decreased 15.9% over twelve months; same-store gross loans down 2.3%."],"consensus_eps_estimate":null,"consensus_eps_actual":3.6,"consensus_revenue_estimate":null,"consensus_revenue_actual":616545364.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":291400,"accession_number":"0000108385-23-000010","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2023-04-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Court preliminarily approves derivative lawsuit settlement against World Acceptance Corp.","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Preliminary approval granted for settlement of derivative action filed in 2020 against officers/directors.","Insurers to pay $700,000 in attorneys' fees and expenses; hearing set for June 20, 2023.","World Acceptance to adopt corporate governance reforms detailed in Exhibit A of the stipulation.","Derivative action will be dismissed with prejudice upon final court approval."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":312204,"accession_number":"0001157523-23-000094","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q3 net income drops to $5.8M; customer base down 13.7% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.8M ($0.98 diluted EPS) vs $7.3M ($1.14) prior year; revenue $146.5M (-1.4% YoY).","Gross loans $1.55B, down 3.2% YoY; customer base decreased 13.7% over trailing 12 months.","0-89 day past due improved to 20.5% from 23.5% sequentially; tightened underwriting reduced new borrower originations.","Adjusted net loss (excl CECL) $4.5M ($0.78 loss/sh) vs adjusted income $25.0M ($3.90) prior year.","Nine-month operating cash flow $203.3M, up 21.5% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":455317296.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":330767,"accession_number":"0000108385-22-000047","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2022-11-23T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"World Acceptance amends credit facility: advance rate cut to 62%, dividend restricted","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Advance rate lowered from 74% to 62% for Oct 2022–Jun 2023 when collateral performance exceeds 24%.","Fixed charge coverage ratio reduced to as low as 1.15x for Q1–Q2 FY2023, then steps back up to 2.75x.","Dividends and stock repurchases prohibited unless trailing four-quarter fixed charge coverage ≥2.0x.","Total debt as % of adjusted net worth capped at 250% for Q4 FY2022, 225% for Q1–Q2 FY2023, then 250%.","Amendment fee of $685,000 paid to lenders; collateral performance must stay ≤28% through Jun 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":330766,"accession_number":"0001157523-22-001410","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2022-10-27T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"World Acceptance Q2 net loss $0.24/sh; revenue up 9.7%; credit covenant breach waived","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $1.4M ($0.24/sh diluted loss); adjusted net loss $1.2M ($0.20/sh).","Revenue $151.2M (+9.7% YoY); gross loans $1.60B (+14.6%).","Operating cash flow $136.7M in 6 months (+27.7% YoY); tightened underwriting.","Violated Fixed Charge Coverage Ratio and Collateral Performance Indicator; lenders waived non-compliance on Oct 26.","No notice of default or acceleration received; company continues to manage credit risk."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":308820836.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":348269,"accession_number":"0000108385-22-000030","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2022-08-18T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Shareholders elect all seven director nominees, approve say-on-pay, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All seven director nominees elected: Bramlett, Prashad, Vassalluzzo, Way, Whitaker, Neuhoff, Robinson III.","Advisory vote on executive compensation approved: 4,580,228 for, 39,993 against, 27,284 abstain.","Ratification of RSM US LLP as auditor for FY2023: 5,377,438 for, 3,634 against, 15,018 abstain.","Broker non-votes: 748,585 on director elections and say-on-pay; none on auditor ratification.","Quorum achieved with 5,396,090 of 6,280,721 outstanding shares represented."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":348268,"accession_number":"0001157523-22-000913","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2022-07-27T23:59:59+00:00","items":["1.01","2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance Q1 net loss of $8.8M, adjusted EPS $1.15; loans up 34% but charge-offs surge","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $8.8M ($1.53 diluted loss) vs prior-year net income $15.8M ($2.44 EPS); adjusted net income $6.6M ($1.15 adjusted EPS).","Revenues $157.6M (+21.5% YoY) driven by 34.2% loan growth to $1.64B; customer base up 11.4%.","Provision for credit losses surged to $85.8M from $30.3M; net charge-offs $64.4M (22.3% annualized) vs $24.1M (11.4%).","61+ day delinquency rose to 6.9% from 4.0% YoY; allowance for credit losses 13.0% of net loans.","Amended credit facility: increased fixed charge coverage ratio to 2.25x–2.75x through June 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":157594668.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":364968,"accession_number":"0000108385-22-000019","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2022-05-06T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"World Acceptance amends credit facility, lowering fixed charge covenant and enabling SPV formation","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Fixed charge coverage ratio reduced to 2.10x for quarters ending Mar 2022 through Jun 2023; then reverts to 2.75x.","Borrower may form up to two SPV subsidiaries for warehouse or securitization.","Benchmark interest rate transitioned from 1-month LIBOR to term SOFR.","$205,500 non-refundable amendment fee paid to lenders.","Amendment effective May 3, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":364967,"accession_number":"0001157523-22-000565","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2022-05-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"WRLD Q4 FY2022 EPS $2.97 vs $6.96 YoY; net income $18.4M down $26.5M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue rose 13.7% to $166.3M on loan growth; gross loans up 37.8% to $1.52B.","Provision for credit losses surged $51.8M to $57.4M, driving net income decline.","Net charge-offs annualized 19.4% vs 12.3% YoY; 61+ day delinquency 6.9% vs 4.9%.","G&A expenses fell 3.6% to $74.6M; G&A/revenue improved to 44.9% from 52.9%.","Repurchased 300,375 shares for $60.7M in Q4; remaining repurchase capacity ~$48.3M."],"consensus_eps_estimate":null,"consensus_eps_actual":8.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":582387545.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":384571,"accession_number":"0000108385-22-000014","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2022-02-24T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"World Acceptance approves $30M share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $30M of common stock repurchases, inclusive of any remaining prior authorizations.","Timing and amount depend on stock price, regulatory requirements, available funds, and alternative capital uses.","Program may be suspended or discontinued at any time at the Company's discretion.","Repurchases subject to restrictions under the Revolving Credit Agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":384570,"accession_number":"0001157523-22-000085","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2022-01-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"WRLD Q3 net income falls 50% to $7.3M ($1.14 EPS) on provision surge; loan growth 27%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.3M ($1.14 diluted EPS) vs $14.5M ($2.25) prior year; revenue up 13.5% to $148.6M.","Gross loans outstanding at Dec 31 $1.61B, up 27% YoY and 15.1% QoQ.","Provision for credit losses $56.5M, up 95.6% from $28.9M, driven by loan growth and higher delinquency.","Delinquency (61+ days) rose to 6.4% from 5.2% a year ago; net charge-offs annualized 13.8% vs 11.6%.","Repurchased 93,722 shares for $19.3M; remaining repurchase capacity $46.1M."],"consensus_eps_estimate":null,"consensus_eps_actual":5.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":416058073.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":402426,"accession_number":"0000108385-21-000147","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2021-12-07T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"World Acceptance authorizes $50M share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved repurchase of up to $50M of common stock, inclusive of prior authorization.","Timing and amount depend on stock price, regulatory requirements, available funds, and credit agreement restrictions.","Program may be suspended or discontinued at any time without notice."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":402425,"accession_number":"0001157523-21-001253","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2021-10-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"World Acceptance reports Q2 FY2022: loans +25.7% to $1.39B, revenue +10.8% but net income down to $12.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Gross loans outstanding rose 25.7% YoY to $1.39B; new customer applications up 88% YoY and 19% above pre-pandemic Q2 2020.","Net income $12.4M ($1.94 diluted EPS) vs $13.4M ($1.96) a year ago; provision for credit losses increased 61.1% to $42.0M due to loan growth under CECL.","Net charge-off rate improved to 10.5% annualized from 14.5% a year ago; delinquency (61+ days) rose to 5.0% from 4.5%.","G&A expenses as % of revenue improved to 54.4% from 60.5%; share repurchases of $10M in Q2 and $100.1M remaining authorization.","Debt/equity ratio 1.4:1; return on equity (TTM) 22.4%; return on assets 8.6%."],"consensus_eps_estimate":null,"consensus_eps_actual":4.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":267486262.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":421383,"accession_number":"0001157523-21-001168","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2021-09-28T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"World Acceptance prices $300M 7.000% senior notes due 2026 to repay revolver","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$300M aggregate principal of 7.000% senior notes due November 1, 2026, priced on Sep 22, 2021.","Net proceeds used to repay a portion of outstanding borrowings under the revolving credit facility.","Credit facility commitments increased from $685M to $785M via ABL amendment on Sep 27, 2021.","Notes are unsecured, guaranteed by certain existing subsidiaries; redeemable at make-whole prior to Nov 1, 2023.","Offering closed on Sep 27, 2021; exempt from Securities Act registration (Rule 144A/Regulation S)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":421382,"accession_number":"0001157523-21-001154","cik":108385,"company_name":"WORLD ACCEPTANCE CORP","ticker":"WRLD","form_type":"8-K","filed_at":"2021-09-21T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"World Acceptance announces $300M senior notes offering, preliminary two-month results","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offers $300M senior notes due 2026 in private placement; proceeds to repay revolving credit facility.","Preliminary two-month ended Aug 31, 2021: loan book growth ~$130.5M, consumer loans $1.35B.","Annualized net charge-off rate 10.0%, down from 15.2% in same period last year.","Average APR on portfolio declined to 49.7% as of Aug 31, 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":772620000.0,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2021-09-21T23:59:59+00:00|421382"}