{"schema_version":"secwatch.filing_event.v1","accession":"0001157523-22-000085","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2022-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.368955+00:00","generated_at":"2026-06-27T15:45:55.269695+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"WRLD Q3 net income falls 50% to $7.3M ($1.14 EPS) on provision surge; loan growth 27%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001157523-22-000085","json":"https://secwatch.observer/filing/0001157523-22-000085.json","markdown":"https://secwatch.observer/filing/0001157523-22-000085.md","text":"https://secwatch.observer/filing/0001157523-22-000085.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000115752322000085/0001157523-22-000085-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000115752322000085/a52567766.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:45:55.269695+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"}