World Accep Corporation SEC Filings

World Acceptance Corporation filed its quarterly report showing modest revenue growth but a swing to a small loss. For the quarter ended December 31, 2025, total revenues were $141.3 million, slightly above $138.6 million a year earlier, but higher credit costs and expenses led to a net loss of $0.9 million versus $13.4 million of profit.

For the nine months, the company reported a $1.5 million net loss compared with $45.5 million of net income in the prior-year period as provision for credit losses and personnel costs increased. Gross loans receivable rose to $1.40 billion from $1.23 billion, funded in part by heavier use of a new revolving credit facility and a $175.0 million warehouse facility, while shareholders’ equity declined as the company repurchased stock and redeemed its senior notes.

World Acceptance Corporation furnished a Form 8-K to share that it issued a press release with financial information for its third quarter ended December 31, 2025. The company states that this press release, dated January 27, 2026, is attached as Exhibit 99.1 to the Form 8-K and is being furnished to, but not filed with, the Securities and Exchange Commission. The filing also includes an Exhibit 104 cover page interactive data file embedded within the Inline XBRL document.

World Acceptance Corp12/18/2025, a company officer, identified as the Senior Vice President of Human Resources, reported a disposition of 1,224 shares of common stock at a price of $147.94 per share. The filing explains this was a payment of tax liability by withholding securities, meaning shares were withheld rather than sold in the open market.

After this withholding transaction, the reporting person beneficially owned 15,291 shares of World Acceptance Corp common stock in direct ownership. The form is filed as a single reporting person and does not show any derivative securities transactions.

World Acceptance Corp reported an insider stock transaction by an executive officer. The Executive VP and Chief Branch Operations Officer filed a Form 4 showing two sales of the company’s common stock, no par value, in December 2025.

On 12/15/2025, the officer sold 89 shares at a price of $150 per share, leaving 42,497 shares beneficially owned directly after that trade. On 12/16/2025, the officer sold an additional 8,857 shares at $149 per share, resulting in 33,640 shares of common stock directly owned following the reported transactions.

World Acceptance Corporation filed a Form S-8 to register 400,000 shares of common stock for issuance under the World Acceptance Corporation 2025 Stock Incentive Plan, plus additional shares that may become issuable under the plan’s adjustment and anti-dilution provisions.

The filing incorporates by reference the company’s most recent Form 10-K, Forms 10-Q for the quarters ended June 30, 2025 and September 30, 2025, and several Forms 8-K. It also outlines standard South Carolina indemnification and director/officer liability provisions and lists required exhibits, including the legal opinion and auditor consent.

World Acceptance Corporation (WRLD) reported a quarterly net loss as credit costs and operating expenses rose. For the three months ended September 30, 2025, total revenues were $134,465,850 versus $131,409,504 a year ago. The company recorded a net loss of $1,946,197 (basic and diluted EPS of $-0.38), compared with net income of $22,128,158 last year. Key drivers included a higher provision for credit losses of $49,840,902, personnel expenses of $47,989,296, and interest expense of $14,342,594.

Loans receivable, net increased to $858,575,978, and the allowance for credit losses rose to $117,796,583. The company fully redeemed its senior unsecured notes during the quarter (ending balance $0) and reported a loss on extinguishment of $3,703,866. Revolving credit facility borrowings increased to $584,586,124. WRLD established a warehouse facility on September 29, 2025, with no loans pledged and no borrowings as of quarter-end. Capital returns were significant: the company repurchased 347,064 shares for $60.0 million at $172.88 per share on September 3, 2025, and $80,309,096 in repurchases for the six months. Shares outstanding were 5,038,077 as of October 31, 2025, with $33.4 million remaining under the repurchase authorization.

World Acceptance Corporation furnished an update on its recent performance. The company reported that it issued a press release with financial information for its second quarter ended September 30, 2025, and made it available as Exhibit 99.1.

The disclosure was made under Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure), and is being furnished to the Commission rather than filed. WRLD’s common stock trades on the Nasdaq Global Select Market.

World Acceptance Corporation describes the material terms of a new warehouse-style Credit Agreement used to finance transferred receivables. Originators will assign receivables to the company, which will sell them to a Borrower that pledges those assets to the Administrative Agent to secure lender obligations. The Borrower paid an upfront agent fee at closing and must pay interest on drawn loans; principal is repayable in installments but may be prepaid subject to a three-business-day notice and payment of certain breakage costs and an exit fee. The Purchase Agreement limits the Company’s recourse to repurchase, substitute, or cure receivables that failed eligibility tests as of transfer. The Servicer may delegate servicing to Originators as Subservicers but remains ultimately responsible, and the Credit Agreement contains delinquency and charge-off covenants that can trigger Level I/II/III events.

World Acceptance Corp insider Alice Lindsay Caulder sold 1,000 shares of common stock on 09/17/2025 at a reported price of $167.33 per share, reducing her beneficial ownership to 16,515 shares. The Form 4 identifies her as SVP, Human Resources and reports the sale as a direct disposition. No derivatives or other transactions are reported.