---
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"
generated_at: "2026-05-30T09:57:11.793058+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# WRLD Q2 fiscal 2025 net income $22.1M ($3.99 EPS) vs $16.1M ($2.71 EPS) YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-032063
- JSON: https://secwatch.observer/filing/0001437749-24-032063.json
- Plain text: https://secwatch.observer/filing/0001437749-24-032063.txt

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