{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-023512","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2024-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.124877+00:00","generated_at":"2026-05-31T15:59:54.709946+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"World Acceptance Q1 net income rises to $9.9M ($1.79 EPS); revenue falls 7% to $129.5M","bullets":["Net income $9.9M vs $9.5M YoY; diluted EPS $1.79 vs $1.62.","Total revenues $129.5M, down 7.0% from $139.3M; interest & fee income $111.2M (-4.7%).","Gross loans $1.275B, down 8.8% YoY; customer base decreased 2.6% (vs 14.8% decline prior year).","Net charge-offs $38.7M, down from $42.8M; provision $45.4M vs $46.6M.","G&A expenses $61.4M, down 9.9% YoY; debt/equity improved to 1.2:1; repurchased $11.1M stock."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-023512","json":"https://secwatch.observer/filing/0001437749-24-023512.json","markdown":"https://secwatch.observer/filing/0001437749-24-023512.md","text":"https://secwatch.observer/filing/0001437749-24-023512.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000143774924023512/0001437749-24-023512-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000143774924023512/wrld20240724_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:59:54.709946+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"}