WORLD ACCEPTANCE CORP
For the period ended Sep 30, 2025. Filed Nov 6, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 6, 2025
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Item 1A. Risk Factors
There have been no material changes to the risk factors disclosed in Part I, Item 1A of the Company's fiscal 2025 Annual Report.
The Company's credit agreements contain certain limits on share repurchases. See “Management’s Discussion and Analysis of Financial Condition and Results of Operations – Liquidity and Capital Resources."
On July 22, 2025, the Board of Directors authorized the Company to repurchase up to $100.0 million of the Company’s outstanding common stock, inclusive of the amount that remained available for repurchase under prior repurchase authorizations. As of September 30, 2025, the Company had $33.4 million in aggregate remaining repurchase capacity under its current share repurchase program. The timing and actual number of shares repurchased will depend on a variety of factors, including the stock price, corporate and regulatory requirements, available funds, alternative uses of capital, restrictions under the Revolving Credit Agreement, and other market and economic conditions. The Company’s stock repurchase program may be suspended or discontinued at any time.
The repurchase authorization does not have a stated expiration date. The following table details purchases of the Company's common stock, if any, made by the Company during the three months ended September 30, 2025:
| (a)Total number ofshares purchased | (b)Average price paidper share | (c)Total number of shares purchasedas part of publicly announcedplans or programs | (d)Approximate dollar value of sharesthat may yet be purchasedunder the plans or programs | |
|---|---|---|---|---|
| July 1 through July 31, 2025 | 1,903 | $154.25 | 1,903 | $99,706,455 |
| August 1 through August 31, 2025 | 8,596 | 154.28 | 8,596 | 98,380,263 |
| September 1 through September 30, 2025 | 375,368 | 173.19 | 375,368 | 33,371,585 |
| Total for the quarter | 385,867 | $172.68 | 385,867 |
None.
Not applicable.
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