{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-002140","form_type":"8-K","ticker":"WRLD","cik":"0000108385","company_name":"WORLD ACCEPTANCE CORP","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.516958+00:00","generated_at":"2026-05-16T07:23:39.769643+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"World Acceptance posts Q3 net loss of $0.9M; provision and expenses surge","bullets":["Net loss of $0.9M ($0.19 diluted) vs net income of $13.4M ($2.45) prior year.","Total revenues up 1.9% to $141.3M; gross loans grew 1.5% YoY to $1.40B.","Provision for credit losses increased $7.3M to $51.4M; net charge-offs 18.7% annualized vs 17.2%.","G&A expenses rose 16.1% to $78.1M; personnel costs up 24.9% on share-based comp and hiring.","Repurchased 102,559 shares for $15M in Q3; 11% of shares repurchased FYTD."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-002140","json":"https://secwatch.observer/filing/0001437749-26-002140.json","markdown":"https://secwatch.observer/filing/0001437749-26-002140.md","text":"https://secwatch.observer/filing/0001437749-26-002140.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/108385/000143774926002140/0001437749-26-002140-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/108385/000143774926002140/wrld20260126_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:23:39.769643+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"}