{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-032063","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2024-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.612845+00:00","generated_at":"2026-05-30T09:57:11.793058+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"WRLD Q2 fiscal 2025 net income $22.1M ($3.99 EPS) vs $16.1M ($2.71 EPS) YoY","bullets":["Total revenues $131.4M, down 4% YoY; interest & fee income $113.9M vs $117.0M.","Provision for credit losses increased to $46.7M from $40.5M; net charge-offs $41.9M (17.6% annualized).","G&A expenses fell 26.4% to $46.4M, driven by $18.5M reversal of performance-based share plan expense.","Gross loans $1.30B, down 6.1% YoY but up 1.7% sequentially; new loan volume up 20.8%.","Repurchased 85,843 shares for $10M in Q2; debt-to-equity improved to 1.2:1."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-032063","json":"https://secwatch.observer/filing/0001437749-24-032063.json","markdown":"https://secwatch.observer/filing/0001437749-24-032063.md","text":"https://secwatch.observer/filing/0001437749-24-032063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000143774924032063/0001437749-24-032063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000143774924032063/wrld20241024_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T09:57:11.793058+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"}