{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-014252","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2024-05-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.216091+00:00","generated_at":"2026-06-02T23:52:40.861734+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"World Acceptance Q4 net income $35.1M ($6.09 diluted); FY net income $77.3M vs $21.2M","bullets":["Net income Q4 $35.1M ($6.09 diluted EPS) vs $24.6M ($4.20) a year ago; FY net income $77.3M ($13.19) vs $21.2M ($3.60).","Total revenues Q4 $159.3M (-1% YoY); FY revenues $573.2M (-7% YoY) reflecting lower loan balances.","Provision for credit losses fell to $29.3M from $45.4M; net charge-offs dropped to $47.4M from $64.4M.","Gross loans outstanding $1.28B (-8.1% YoY); recency delinquency 90+ days improved to 3.1% from 3.5%.","Repurchased 146,436 shares for $19M in Q4; debt-to-equity improved to 1.2:1 from 1.6:1."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-014252","json":"https://secwatch.observer/filing/0001437749-24-014252.json","markdown":"https://secwatch.observer/filing/0001437749-24-014252.md","text":"https://secwatch.observer/filing/0001437749-24-014252.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000143774924014252/0001437749-24-014252-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000143774924014252/wrld20240501_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T23:52:40.861734+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":"b3a51677449a773ba8efa0aeb388e4d290cf7c0d","claim":"WORLD ACCEPTANCE CORP reported financial results for fourth quarter of fiscal 2024 and twelve months ended March 31, 2024.","evidence_excerpt":"World Acceptance Corporation (NASDAQ: WRLD) today reported financial results for its fourth quarter of fiscal 2024 and twelve months ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/108385/000143774924014252/0001437749-24-014252-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter of fiscal 2024 and twelve months ended March 31, 2024"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}