{"schema_version":"secwatch.filing_event.v1","accession":"0001157523-22-000565","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2022-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:59.678062+00:00","generated_at":"2026-06-25T23:19:20.983432+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 Q4 FY2022 EPS $2.97 vs $6.96 YoY; net income $18.4M down $26.5M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001157523-22-000565","json":"https://secwatch.observer/filing/0001157523-22-000565.json","markdown":"https://secwatch.observer/filing/0001157523-22-000565.md","text":"https://secwatch.observer/filing/0001157523-22-000565.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000115752322000565/0001157523-22-000565-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000115752322000565/a52708776.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T23:19:20.983432+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"}