{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-013411","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2025-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.455135+00:00","generated_at":"2026-05-23T03:23:42.927145+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"World Acceptance Q4 net income $44.3M, EPS $8.13; revenue $165.3M up 3.8% YoY","bullets":["Net income of $44.3M ($8.13 diluted EPS) vs $35.1M ($6.09) in Q4 FY2024.","Total revenue $165.3M (+3.8% YoY); interest and fee income $117.6M (+1.2%).","Gross loans $1.23B (-4.0% YoY); customer base +3.5%; same-store loans -2.5%.","Provision for credit losses $33.0M (up $3.7M); 90-day delinquency 3.7% vs 3.1% year ago.","G&A expenses $65.9M (-7.9% YoY); company repurchased $32M in shares in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-013411","json":"https://secwatch.observer/filing/0001437749-25-013411.json","markdown":"https://secwatch.observer/filing/0001437749-25-013411.md","text":"https://secwatch.observer/filing/0001437749-25-013411.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000143774925013411/0001437749-25-013411-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000143774925013411/wrld20250428_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T03:23:42.927145+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"}