---
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"
generated_at: "2026-05-16T07:23:39.769643+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# World Acceptance posts Q3 net loss of $0.9M; provision and expenses surge

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002140
- JSON: https://secwatch.observer/filing/0001437749-26-002140.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002140.txt

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