{"filings":[{"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}],"next_cursor":null}