{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-22-013511","form_type":"8-K","ticker":"OMCC","cik":"0001000045","company_name":"OLD MARKET CAPITAL Corp","filed_at":"2022-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:54.510182+00:00","generated_at":"2026-06-24T06:46:11.408467+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Nicholas Financial reports Q1 net loss of $1.8M; originations up but expenses rising","bullets":["Net loss $1.8M vs net income $1.7M YoY; diluted EPS -$0.24 vs $0.22.","Interest and fee income $12.1M, down 4.2% YoY, plus $0.8M unrealized loss on equity investments.","Originations up 10.1% on contracts and 43.2% on direct loans; total $30.6M originated.","Branch consolidation plan announced July 2022 to reduce operating expenses amid rising delinquencies.","Finance receivables grew $1.3M to $30.6M; total loan portfolio $173.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-22-013511","json":"https://secwatch.observer/filing/0000950170-22-013511.json","markdown":"https://secwatch.observer/filing/0000950170-22-013511.md","text":"https://secwatch.observer/filing/0000950170-22-013511.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1000045/000095017022013511/0000950170-22-013511-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1000045/000095017022013511/nick-20220729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T06:46:11.408467+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"}