---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-013984"
form_type: "8-K"
ticker: "WRLD"
cik: "0000108385"
company_name: "WORLD ACCEPTANCE CORP"
filed_at: "2026-04-30T23:59:59+00:00"
generated_at: "2026-05-15T00:32:23.802703+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# World Acceptance Q4 net income falls 18% to $36.5M; gross loans up 4.4% YoY

## Summary
- Net income $36.5M ($7.70 diluted EPS) vs $44.3M ($8.13) in Q4 FY25, a decline of $7.8M.
- Gross loans outstanding $1.28B, +4.4% YoY; new customer loans decreased to 8.2% of portfolio.
- Provision for credit losses $36.8M (+$3.8M YoY); net charge-offs 18.7% of avg loans vs 18.5%.
- G&A expenses $81.5M (+23.6%); personnel expense up 33.2% due to share-based comp and hiring.
- FY26 net income $35.0M ($6.97 EPS) vs $89.7M ($16.30) in FY25; debt-to-equity ratio 1.7:1.

## SEC filing metadata
- accession: 0001437749-26-013984
- form_type: 8-K
- ticker: WRLD
- cik: 0000108385
- company_name: WORLD ACCEPTANCE CORP
- filed_at: 2026-04-30T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/108385/000143774926013984/0001437749-26-013984-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/108385/000143774926013984/wrld20260429_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-013984
- JSON: https://secwatch.observer/filing/0001437749-26-013984.json
- Plain text: https://secwatch.observer/filing/0001437749-26-013984.txt

## Key facts
- Earnings Releases
  WORLD ACCEPTANCE CORP reported fourth quarter of fiscal 2026 results: revenue Total revenues for the fourth quarter of fiscal 2026 increased to $177.6 million, net income The fourth quarter's $36.5 million net income was a $7.8 million decrease from net income of $44.3 million for the same, EPS Net income per diluted share was $7.70 in the fourth quarter of fiscal 2026.
  - Period: fourth quarter of fiscal 2026
  - Revenue: Total revenues for the fourth quarter of fiscal 2026 increased to $177.6 million
  - Net income: The fourth quarter's $36.5 million net income was a $7.8 million decrease from net income of $44.3 million for the same
  - EPS: Net income per diluted share was $7.70 in the fourth quarter of fiscal 2026
  - Result: reported results
  source text: The fourth quarter's $36.5 million net income was a $7.8 million decrease from net income of $44.3 million for the same quarter of the prior year. Net income per diluted share was $7.70 in the fourth quarter of fiscal 2026, as compared to net income per diluted share of $8.13 for the same quarter of the prior year.
  evidence_url: https://www.sec.gov/Archives/edgar/data/108385/000143774926013984/0001437749-26-013984-index.htm

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