---
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"
generated_at: "2026-06-06T21:00:23.273227+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# World Acceptance Q3 net income $16.7M, EPS $2.84, revenue $137.7M (-6% YoY)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001157523-24-000082
- JSON: https://secwatch.observer/filing/0001157523-24-000082.json
- Plain text: https://secwatch.observer/filing/0001157523-24-000082.txt

## Key facts
- Earnings Releases
  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.
  - Period: third quarter of fiscal 2024
  - Revenue: Total revenues of $137.7 million
  - Net income: Net income of $16.7 million
  - EPS: Diluted net income per share of $2.84
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/108385/000115752324000082/0001157523-24-000082-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.