{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-001945","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.891782+00:00","generated_at":"2026-05-27T07:55:26.088091+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"World Acceptance Q3 net income falls to $13.4M ($2.45 EPS) from $16.7M; revenue up 0.6%","bullets":["Total revenues $138.6M (+0.6% YoY); net income $13.4M vs $16.7M prior year.","Provision for credit losses rose to $44.1M from $40.6M; net charge-offs improved to 17.2% of avg loans from 19.1%.","Gross loans $1.38B (-1.4% YoY) but up 6.6% sequentially; 90+ day delinquency improved to 3.4% from 3.7%.","G&A expenses $67.2M (+2.0% YoY); interest expense down 3.4%; debt/equity ratio 1.3:1 vs 1.4:1.","Nine-month net income $45.5M ($8.23 diluted EPS) vs $42.3M ($7.17) prior year."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-001945","json":"https://secwatch.observer/filing/0001437749-25-001945.json","markdown":"https://secwatch.observer/filing/0001437749-25-001945.md","text":"https://secwatch.observer/filing/0001437749-25-001945.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000143774925001945/0001437749-25-001945-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000143774925001945/wrld20250127_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:55:26.088091+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"}