Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
-0.18%
$117.30
100% positive prob.
5-Day Prediction
+2.19%
$120.09
100% positive prob.
20-Day Prediction
+0.09%
$117.62
95% positive prob.
SEC 8-K filings with transcript text
Jan 27, 2026 · 100% conf.
1D
-0.18%
$117.30
Act: -1.65%
5D
+2.19%
$120.09
Act: +2.94%
20D
+0.09%
$117.62
Act: +13.96%
wrld20260126_8k.htm
false 0000108385
0000108385
2026-01-27 2026-01-27
Washington, D.C. 20549
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) January 27, 2026
(Exact name of registrant as specified in its charter)
South Carolina 000-19599 57-0425114
(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
104 S. Main Street, Greenville, South Carolina 29601
(Address of principal executive offices) (Zip Code)
Registrant’s telephone number, including area code (864) 298-9800
n/a
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, No Par Value
The Nasdaq Global Select Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
☐
Item 2.02 Results of Operations and Financial Condition; and
Item 7.01 Regulation FD Disclosure.
On January 27, 2026, World Acceptance Corporation ("WRLD") issued a press release announcing financial information for its third quarter ended December 31, 2025. The press release is attached as Exhibit 99.1 to this Form 8-K and is furnished to, but not filed with, the Commission.
Item 9.01 Financial Statements and Exhibits.
(d)
Exhibits.
Exhibit Number
Description of Exhibit
99.1
Press release issued January 27, 2026
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
(Registrant)
January 27, 2026
By:
/s/ John Calmes, Jr.
John Calmes, Jr.
Executive VP, Chief Financial & Strategy Officer, and Treasurer
Oct 23, 2025
wrld20251022_8k.htm
false 0000108385
0000108385
2025-10-23 2025-10-23
Washington, D.C. 20549
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) October 23, 2025
(Exact name of registrant as specified in its charter)
South Carolina 000-19599 57-0425114
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)
104 S. Main Street, Greenville, South Carolina 29601
(Address of principal executive offices) (Zip Code)
Registrant’s telephone number, including area code (864) 298-9800
n/a
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, No Par Value
The Nasdaq Global Select Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
☐
Item 2.02 Results of Operations and Financial Condition; and
Item 7.01 Regulation FD Disclosure.
On October 23, 2025, World Acceptance Corporation ("WRLD") issued a press release announcing financial information for its second quarter ended September 30, 2025. The press release is attached as Exhibit 99.1 to this Form 8-K and is furnished to, but not filed with, the Commission.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits.
Exhibit Number Description of Exhibit
99.1 Press release issued October 23, 2025
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
(Registrant)
October 23, 2025
By: /s/ John Calmes, Jr.
John Calmes, Jr.
Executive VP, Chief Financial & Strategy Officer, and Treasurer
Jul 24, 2025
wrld20250722_8k.htm
false 0000108385
0000108385
2025-07-22 2025-07-22
Washington, D.C. 20549
Pursuant to Section 13 OR 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) July 22, 2025
Commission File Number: 000-19599
(Exact name of registrant as specified in its charter.)
South Carolina
57-0425114
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification Number)
104 S Main Street
Greenville,
South Carolina
29601
(Address of principal executive offices)
(Zip Code)
(864) 298-9800
(registrant's telephone number, including area code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol
Name of each exchange on which registered
Common Stock, no par value
The NASDAQ Stock Market LLC
(NASDAQ Global Select Market)
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
☐
Item 1.01 Entry into a Material Definitive Agreement.
Revolving Credit Facility
On July 22, 2025, World Acceptance Corporation (the “Company”) entered into a three-year senior secured asset-based credit facility pursuant to the Revolving Credit Agreement (the “Revolving Credit Agreement”), by and among the Company, the lenders named therein (the “Lenders”), and Bank of Montreal, as Administrative Agent and Collateral Agent.
The Revolving Credit Agreement replaces the Company’s Prior Credit Facility (as defined in Item 1.02 below). The Revolving Credit Agreement provides, among other things, aggregate commitments of the Lenders of $640.0 million, with an accordion feature that can increase the aggregate commitments by $150.0 million (for a total commitment, if the full accordion is borrowed, of $790.0 million).
The Revolving Credit Agreement permits the Company to make purchases, redemptions or other acquisitions of the Company’s voting or capital stock in an amount up to $100,000,000 for a period of one year plus, over the term of the Revolving Credit Agreement, 100% of Cumulative Net Income calculated commencing January 1, 2025, subject to certain restrictions.
The Revolving Credit Agreement permits the Company to, subject to certain conditions and limitations, enter into one or more asset-backed securitizations, bank conduit receivables financings or warehouse financings (or similar customary limited recourse, bankruptcy-remote structured financings, whether or not involving the issuance of securities and whether amortizing, term or revolving) secured by the receivables.
The Revolving Credit Agreement contains a number of covenants that, among other things, restrict our ability to incur liens, incur indebtedness, make certain restricted payments, merge or consolidate, or dispose of assets. In addition, the Revolving Credit Agreement requires the Company to (i) keep and maintain a Consolidated Net Worth of $325.0 million, (ii) have a ratio of Net Income Available for Fixed Charges to Fixed Charges of not less than 2.25 to 1.00, (iii) not permit the aggregate unpaid principal amount of Total Debt to exceed 225% of Consolidated Adjusted Net Worth, and (iv) maintain an Asset Quality Indicator (Consolidated) of less than or equal to 26%. Each of the capitalized terms used and not defined herein have the meanings set forth in the Revolving Credit Agreement. The Revolving Credit Agreement also contains certain affirmative covenants and events of default customary for facilities of this type.
The foregoing description of the Revolving Credit Agreement is only a summary and is qualified in its entirety by reference to the full text of the Revolving Credit Agreement, which is filed as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.
Item 1.02 Termination of a Material Definitive Agreement.
Termination of
This page provides World Acceptance Corporation (WRLD) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on WRLD's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.