Here are the 10-K annual reports from World Acceptance Corp (WRLD) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow WRLD and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full WRLD filings page.
World Acceptance Corporation filed Amendment No. 1 to its annual report on Form 10-K to address a narrow technical issue with exhibits. The company is refiling Exhibit 23.1, the Consent of Independent Registered Public Accounting Firm, so that it correctly lists additional Form S-8 registration statements that were referenced in the executed consent but omitted from the electronic version originally filed.
The amendment also includes updated certifications from the Chief Operating Officer and Chief Financial Officer under Section 302 of the Sarbanes-Oxley Act, with certain paragraphs omitted because no financial statements are included and no internal control disclosures are being changed. No other sections of the original Form 10-K are amended, and the company notes this filing does not update any prior financial or narrative disclosures and does not reflect subsequent events.
World Acceptance Corporation describes its small-loan consumer finance business and key risks in its annual report. The company operates 1,009 branches across 16 U.S. states, focusing on customers with limited access to traditional credit, and had gross loans receivable of $1.28 billion as of March 31, 2026.
Installment loans are its core product, with an average portfolio annual percentage rate of 51.4% and 709,975 loans outstanding. The company also earns revenue from credit insurance, automobile club memberships, and tax preparation services, while highlighting extensive state and federal regulatory oversight, economic sensitivity, cybersecurity threats, and substantial use of revolving credit facilities as major risk factors.