WORLD ACCEPTANCE CORP

For the period ended Mar 31, 2025. Filed May 22, 2025.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed May 22, 2025

WRLD$145.40-2.5%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Item 16. Form 10-K Summary

None.

EXHIBIT INDEX

ExhibitNumber · Exhibit Description · FiledHerewith · Incorporated by Reference
Form orRegistrationNumber · Exhibit · FilingDate
3.01	Second Amended and Restated Articles of Incorporation of World Acceptance Corporation, as amended	S-8	3.1	07-29-03
3.02	Eighth Amended and Restated Bylaws of World Acceptance Corporation	10-Q	3.01	11-08-18
4.01	Specimen Share Certificate	S-1A	4.1	10-28-91
4.02	Description of Securities	10-K	4.04	05-24-19
4.03	Indenture, dated as of September 27, 2021, among the Company, the guarantors listed therein, and The Bank of New York Mellon Trust Company, N.A.	8-K	4.1	09-28-21
10.01	Amended and Restated Revolving Credit Agreement, dated as of June 7, 2019	8-K	10.1	06-07-19
10.02	Amended and Restated Security Agreement, Pledge and Indenture of Trust, dated as of June 7, 2019	8-K	10.2	06-07-19
10.03	Amended and Restated Security Agreement, Pledge and Indenture of Trust (subsidiaries), dated as of June 7, 2019	8-K	10.3	06-07-19
10.04	Amended and Restated Guaranty Agreement, dated as of June 7, 2019	8-K	10.4	06-07-19
10.05	First Amendment to Amended and Restated Revolving Credit Facility dated December 20, 2019	8-K	10.1	12-23-19
10.06	Second Amendment to Amended and Restated Revolving Credit Facility dated April 29, 2020	8-K	10.1	04-30-20
10.07	Third Amendment to Amended and Restated Revolving Credit Facility, dated July 24, 2020	8-K	10.1	07-24-20
10.08	Fourth Amendment to Amended and Restated Revolving Credit Facility dated December 15, 2020	8-K/A	10.1	12-16-20
10.09	Fifth Amendment to Amended and Restated Revolving Credit Facility dated March 26, 2021	8-K	10.1	03-29-21
10.10	Sixth Amendment to Amended and Restated Revolving Credit Facility dated September 27, 2021	8-K	10.1	09-28-21
10.11	Seventh Amendment to Amended and Restated Revolving Credit Facility dated May 3, 2022	8-K	10.1	05-06-22
10.12	Eighth Amendment to Amended and Restated Revolving Credit Facility dated July 27, 2022	8-K	10.1	7-27-22
10.13	Ninth Amendment to Amended and Restated Revolving Credit Facility dated November 23, 2022	8-K	10.1	11-23-22
10.14	Tenth Amendment to Amended and Restated Revolving Credit Facility dated July 18, 2023	8-K	10.1	07-18-23
10.15	Eleventh Amendment to Amended and Restated Revolving Credit Facility dated November 9, 2023	8-K	10.1	11-09-23
10.16	Twelve Amendment to Amended and Restated Revolving Credit Facility dated February 28, 2024	8-K	10.1	02-28-24
10.17+	World Acceptance Corporation Retirement Savings Plan	S-8	4.1	10-18-96
10.18+	World Acceptance Corporation Retirement Savings Plan Fifth Amendment	10-Q	10.1	02-02-09
10.19+	World Acceptance Corporation Supplemental Income Plan	10-K	10.7	06-29-00
10.20+	Second Amendment to the World Acceptance Corporation Supplemental Income Plan	10-Q	10.15	02-01-08
10.21+	Second Amended and Restated World Acceptance Corporation 2005 Supplemental Income Plan	10-Q	10.18	02-01-08
10.22+	First Amendment to the Second Amended and Restated World Acceptance Corporation 2005 Supplemental Income Plan	8-K	10.1	04-19-19

10.23+	World Acceptance Corporation 2009 Supplemental Income Plan		10-Q	10.1	08-03-09
10.24+	World Acceptance Corporation Board of Directors Deferred Compensation Plan		10-K	10.6	06-29-00
10.25+	Second Amendment to the World Acceptance Corporation Board of Directors Deferred Compensation Plan (2000)		10-Q	10.13	02-01-08
10.26+	First Amended and Restated World Acceptance Corporation Board of Directors 2005 Deferred Compensation Plan		10-Q	10.16	02-01-08
10.27+	World Acceptance Corporation Executive Deferral Plan		10-K	10.12	06-29-01
10.28+	Second Amendment to the World Acceptance Corporation Executive Deferral Plan		10-Q	10.14	02-01-08
10.29+	First Amended and Restated World Acceptance Corporation 2005 Executive Deferral Plan		10-Q	10.17	02-01-08
10.30+	World Acceptance Corporation 2008 Stock Option Plan		DEF 14A	Appendix A	06-30-08
10.31+	Form of Stock Option Agreement (Form A)		8-K	99.1	12-10-12
10.32+	World Acceptance Corporation 2011 Stock Option Plan		DEF 14A	Appendix A	06-29-11
10.33+	Form of Stock Option Agreement (Form B)		10-K	10.35	06-13-18
10.34+	Form of Stock Option Agreement (Form C)		10-K	10.36	06-13-18
10.35+	Form of Stock Option Agreement under the 2011 Plan (Long-Term Incentive Program)		8-K	10.5	10-16-18
10.36+	Form of Stock Option Agreement under the 2017 Plan (Long-Term Incentive Program)		8-K	10.6	10-16-18
10.37+	Form of Restricted Stock Award (Service-Based) Agreement under the 2011 Plan (Long-Term Incentive Program)		8-K	10.1	10-16-18
10.38+	Form of Restricted Stock Award Agreement (Service-Based) under the 2017 Plan (Long-Term Incentive Program)		8-K	10.2	10-16-18
10.39+	Form of Restricted Stock Award Agreement (Service- and Performance-Based) under the 2011 Plan (Long-Term Incentive Program)		8-K	10.3	10-16-18
10.40+	Form of Restricted Stock Award Agreement (Service- and Performance-Based) under the 2017 Plan (Long-Term Incentive Program)		8-K	10.4	10-16-18
10.41+	World Acceptance Corporation 2017 Stock Incentive Plan		S-8	99	09-08-17
10.42+	Amended and Restated Employment Agreement, dated as of April 1, 2019, by and between World Acceptance Corporation and R. Chad Prashad		8-K	10.2	04-19-19
10.43+	Amended and Restated Employment Agreement, dated as of April 1, 2019, by and between World Acceptance Corporation and John L. Calmes, Jr.		8-K	10.3	04-19-19
10.44+	Amended and Restated Employment Agreement, dated as of April 1, 2019, by and between World Acceptance Corporation and D. Clinton Dyer		8-K	10.4	04-19-19
10.45+	Employment Agreement, dated as of April 1, 2018, by and between Luke J. Umstetter and World Acceptance Corporation		10-K	10.65	05-24-19
19	Insider Trading Policy		10-K	19	05-23-24
21	Schedule of the Company’s Subsidiaries as of March 31, 2025	*
23	Consent of RSM US LLP	*
31.01	Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer	*
31.02	Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer	*
32.01	Section 1350 Certification of Chief Executive Officer	*
32.02	Section 1350 Certification of Chief Financial Officer	*
97	Policy Relating to Recovery of Erroneously Awarded Compensation	*

101	The following materials from the Company’s Annual Report on Form 10-K for the fiscal year ended March 31, 2025, formatted in XBRL:	*
	(i) Consolidated Balance Sheets as of March 31, 2025 and March 31, 2024;
	(ii) Consolidated Statements of Operations for the fiscal years ended March 31, 2025, March 31, 2024, and March 31, 2023;
	(iii) Consolidated Statements of Shareholders’ Equity for the fiscal years ended March 31, 2025, March 31, 2024, and March 31, 2023;
	(iv) Consolidated Statements of Cash Flows for the fiscal years ended March 31, 2025, March 31, 2024, and March 31, 2023; and
	(v) Notes to Consolidated Financial Statements.
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

*	Submitted electronically herewith.
+	Management Contract or other compensatory plan required to be filed under Item 15 of this report and Item 601 of Regulation S-K of the Securities and Exchange Commission.

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

WORLD ACCEPTANCE CORPORATION
	By: /s/ R. Chad Prashad
	R. Chad Prashad
	President and Chief Executive Officer
	Date:	May 22, 2025

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

/s/ Scott McIntyre
/s/ R. Chad Prashad		/s/ John L. Calmes, Jr.
R. Chad Prashad			John L. Calmes, Jr.
President, Chief Executive Officer and Director		Executive Vice President and Chief Financial and Strategy Officer
Signing on behalf of the registrant and as principal executive officer		Signing on behalf of the registrant and as principal financial officer
Date:	May 22, 2025		Date:	May 22, 2025
Scott McIntyre
Senior Vice President of Accounting
Signing on behalf of the registrant and as principal accounting officer
Date:	May 22, 2025
/s/ Ken R. Bramlett, Jr.		/s/ Scott J. Vassalluzzo
Ken R. Bramlett, Jr.			Scott J. Vassalluzzo
Chairman of the Board of Directors and a Director		Director
Date:	May 22, 2025		Date:	May 22, 2025
/s/ Charles D. Way		/s/ Darrell Whitaker
Charles D. Way		Darrell Whitaker
Director		Director
Date:	May 22, 2025		Date:	May 22, 2025
/s/ Beth Neuhoff		/s/ Benjamin Robinson
Beth Neuhoff		Benjamin Robinson
Director		Director
Date:	May 22, 2025		Date:	May 22, 2025

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