{"schema_version":"secwatch.filing_event.v1","accession":"0001157523-24-000082","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2024-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.320431+00:00","generated_at":"2026-06-06T21:00:23.273227+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"World Acceptance Q3 net income $16.7M, EPS $2.84, revenue $137.7M (-6% YoY)","bullets":["Net income $16.7M vs $5.8M YoY; diluted EPS $2.84 vs $0.99; revenue $137.7M (-6% YoY).","Gross loans outstanding $1.40B (-9.9% YoY) but +1.5% sequentially; customer base down 2.4%.","Net charge-offs $48.4M (19.1% annualized) vs $71.0M (25.1%) YoY; 90+ day delinquency improved to 3.7% from 4.9%.","G&A expenses $65.91M (+1.5% YoY); advertising up 181% to $2.4M for customer acquisition.","Repurchased 148,765 shares for $17.2M; debt/equity ratio 1.4:1 vs 2.0:1 YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001157523-24-000082","json":"https://secwatch.observer/filing/0001157523-24-000082.json","markdown":"https://secwatch.observer/filing/0001157523-24-000082.md","text":"https://secwatch.observer/filing/0001157523-24-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000115752324000082/0001157523-24-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000115752324000082/a53884887.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T21:00:23.273227+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":"b24cdabbfa05b351fe39d20484c65fd107042e4f","claim":"WORLD ACCEPTANCE CORP reported third quarter of fiscal 2024 results: revenue Total revenues of $137.7 million, net income Net income of $16.7 million, EPS Diluted net income per share of $2.84.","evidence_excerpt":"Diluted net income per share of $2.84 Recency delinquency on accounts 90+ days past due improved from 4.9% at December 31, 2022, to 3.7% at December 31, 2023 Total revenues of $137.7 million, including a 180 basis point yield increase compared to the same quarter in the prior year Portfolio results Gross loans outstanding were $1.40 billion as of December 31, 2023, a","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/108385/000115752324000082/0001157523-24-000082-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of fiscal 2024"},{"label":"Revenue","value":"Total revenues of $137.7 million"},{"label":"Net income","value":"Net income of $16.7 million"},{"label":"EPS","value":"Diluted net income per share of $2.84"},{"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"}