---
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"
generated_at: "2026-05-27T07:55:26.088091+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# World Acceptance Q3 net income falls to $13.4M ($2.45 EPS) from $16.7M; revenue up 0.6%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/108385/000143774925001945/0001437749-25-001945-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/108385/000143774925001945/wrld20250127_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-001945
- JSON: https://secwatch.observer/filing/0001437749-25-001945.json
- Plain text: https://secwatch.observer/filing/0001437749-25-001945.txt

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