{"schema_version":"secwatch.filing_event.v1","accession":"0001157523-23-000727","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2023-05-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.889398+00:00","generated_at":"2026-06-15T19:48:57.722329+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"World Acceptance Q4 FY2023 net income $25.6M, EPS $4.37; revenue down 4.6%","bullets":["Net income of $25.6M ($4.37 diluted EPS) up 39.5% YoY from $18.4M ($2.97 EPS).","Total revenues $160.8M, down 4.6% YoY; gross loans $1.39B, down 8.7% YoY.","Accounts 90+ days past due improved to 3.5% from 4.9% at Dec 31, 2022.","Adjusted net income excluding allowance change was $11.6M ($1.97 EPS) vs $19.1M ($3.10 EPS) prior year.","Customer base decreased 15.9% over twelve months; same-store gross loans down 2.3%."],"urls":{"canonical":"https://secwatch.observer/filing/0001157523-23-000727","json":"https://secwatch.observer/filing/0001157523-23-000727.json","markdown":"https://secwatch.observer/filing/0001157523-23-000727.md","text":"https://secwatch.observer/filing/0001157523-23-000727.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000115752323000727/0001157523-23-000727-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000115752323000727/a53393134.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T19:48:57.722329+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":[{"claim_id":"8039d1cb6794a0b6bade42f6bbb695a58fa31a2f","claim":"WORLD ACCEPTANCE CORP reported financial results for twelve months ended March 31, 2023.","evidence_excerpt":"World Acceptance Corporation (NASDAQ: WRLD) today reported financial results for its fourth quarter of fiscal 2023 and twelve months ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/108385/000115752323000727/0001157523-23-000727-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"twelve months ended March 31, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"a42b8e9247011611799417c18f8440fb337ecaf3","claim":"WORLD ACCEPTANCE CORP reported the fourth quarter of fiscal 2023 results: revenue $160.8 million, net income $25.6 million, EPS Diluted net income per share of $4.37.","evidence_excerpt":"Net income of $25.6 million Diluted net income per share of $4.37 Significant decrease in accounts 90+ days past due from 4.9% at December 31, 2022 to 3.5% at March 31, 2023 Gross loans outstanding of $1.39 billion, an 8.7% decrease from same quarter prior year Total revenues of $160.8 million, a 4.6% decrease from the same quarter prior year Cash flow from operating activities of $285.1 million over the last twelve months, a 4.7% increase over prior year","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/108385/000115752323000727/0001157523-23-000727-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of fiscal 2023"},{"label":"Revenue","value":"$160.8 million"},{"label":"Net income","value":"$25.6 million"},{"label":"EPS","value":"Diluted net income per share of $4.37"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}