{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-22-010534","form_type":"8-K","ticker":"OMCC","cik":"0001000045","company_name":"OLD MARKET CAPITAL Corp","filed_at":"2022-05-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:59.182452+00:00","generated_at":"2026-06-25T07:27:16.505296+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Nicholas Financial Q4 net income drops 79% YoY to $0.4M; originations hit record $27.1M","bullets":["Diluted EPS of $0.05 vs $0.24 in prior-year quarter; full-year EPS $0.39 vs $1.09.","Interest and fee income fell 4.0% to $12.3M in Q4; full-year down 8.3% to $49.7M.","New contract originations reached $27.1M, up 10.2% YoY and 39.3% QoQ – a historic high.","Direct loan originations surged 127.1% YoY to $7.5M in Q4; portfolio yield improved to 27.9%.","Finance receivables net increased by $2.9M during Q4, first growth in a long period."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-22-010534","json":"https://secwatch.observer/filing/0000950170-22-010534.json","markdown":"https://secwatch.observer/filing/0000950170-22-010534.md","text":"https://secwatch.observer/filing/0000950170-22-010534.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1000045/000095017022010534/0000950170-22-010534-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1000045/000095017022010534/nick-20220524.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T07:27:16.505296+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}