WORLD ACCEPTANCE CORP
For the period ended Mar 31, 2026. Filed Jun 4, 2026.
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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.
FY2026 · Filed Jun 4, 2026
WRLD$145.40-2.5%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
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 |
| 10.01+ | World Acceptance Corporation Retirement Savings Plan | S-8 | 4.1 | 10-18-96 |
| 10.02+ | World Acceptance Corporation Retirement Savings Plan Fifth Amendment | 10-Q | 10.1 | 02-02-09 |
| 10.03+ | World Acceptance Corporation Supplemental Income Plan | 10-K | 10.7 | 06-29-00 |
| 10.04+ | Second Amendment to the World Acceptance Corporation Supplemental Income Plan | 10-Q | 10.15 | 02-01-08 |
| 10.05+ | Second Amended and Restated World Acceptance Corporation 2005 Supplemental Income Plan | 10-Q | 10.18 | 02-01-08 |
| 10.06+ | First Amendment to the Second Amended and Restated World Acceptance Corporation 2005 Supplemental Income Plan | 8-K | 10.1 | 04-19-19 |
| 10.07+ | World Acceptance Corporation 2009 Supplemental Income Plan | 10-Q | 10.1 | 08-03-09 |
| 10.08+ | World Acceptance Corporation Board of Directors Deferred Compensation Plan | 10-K | 10.6 | 06-29-00 |
| 10.09+ | Second Amendment to the World Acceptance Corporation Board of Directors Deferred Compensation Plan (2000) | 10-Q | 10.13 | 02-01-08 |
| 10.10+ | First Amended and Restated World Acceptance Corporation Board of Directors 2005 Deferred Compensation Plan | 10-Q | 10.16 | 02-01-08 |
| 10.11+ | World Acceptance Corporation Executive Deferral Plan | 10-K | 10.12 | 06-29-01 |
| 10.12+ | Second Amendment to the World Acceptance Corporation Executive Deferral Plan | 10-Q | 10.14 | 02-01-08 |
| 10.13+ | First Amended and Restated World Acceptance Corporation 2005 Executive Deferral Plan | 10-Q | 10.17 | 02-01-08 |
| 10.14+ | World Acceptance Corporation 2008 Stock Option Plan | DEF 14A | Appendix A | 06-30-08 |
| 10.15+ | Form of Stock Option Agreement (Form A) | 8-K | 99.1 | 12-10-12 |
| 10.16+ | World Acceptance Corporation 2011 Stock Option Plan | DEF 14A | Appendix A | 06-29-11 |
| 10.17+ | Form of Stock Option Agreement (Form B) | 10-K | 10.35 | 06-13-18 |
| 10.18+ | Form of Stock Option Agreement (Form C) | 10-K | 10.36 | 06-13-18 |
| 10.19+ | Form of Stock Option Agreement under the 2011 Plan (Long-Term Incentive Program) | 8-K | 10.5 | 10-16-18 |
| 10.20+ | Form of Stock Option Agreement under the 2017 Plan (Long-Term Incentive Program) | 8-K | 10.6 | 10-16-18 |
| 10.21+ | Form of Restricted Stock Award (Service-Based) Agreement under the 2011 Plan (Long-Term Incentive Program) | 8-K | 10.1 | 10-16-18 |
| 10.22+ | Form of Restricted Stock Award Agreement (Service-Based) under the 2017 Plan (Long-Term Incentive Program) | 8-K | 10.2 | 10-16-18 |
| 10.23+ | 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 |
| 10.24+ | 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 |
| 10.25+ | World Acceptance Corporation 2017 Stock Incentive Plan | S-8 | 99 | 09-08-17 |
| 10.26+ | World Acceptance Corporation 2025 Stock Incentive Plan | 8-K | 10.1 | 08-22-25 |
| 10.27+ | 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 | |
| 10.28+ | 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 | |
| 10.29+ | Employment Agreement, dated as of February 17, 2026, by and between J. Tobin Turner and World Acceptance Corporation | 8-K | 10.1 | 02-17-26 | |
| 10.30+ | Separation Agreement, dated April 13, 2026, by and between R. Chad Prashad and World Acceptance Corporation | 8-K | 10.1 | 04-15-26 | |
| 10.31+ | Employment Agreement, dated April 13, 2026, by and between Janet L. Matricciani and World Acceptances Corporation | 8-K | 10.2 | 04-15-26 | |
| 10.32+ | Revolving Credit Agreement, dated July 22, 2025, by and among the Company, the lenders named therein, and Bank of Montreal, as administrative and collateral agent. | 8-K | 10.1 | 07-24-25 | |
| 10.33+ | Credit Agreement (Warehouse Facility), dated as of September 29, 2025, by and among the Company, as servicer, WFC Receivables I, LLC, as borrower, the lenders and agents from time to time parties thereto, Atlas Securitized Products Administration, L.P., as administrative agent for the lenders, Systems & Services Technologies, Inc., as backup servicer, and Wilmington Trust, National Association, a national banking association, as securities intermediary | 8-K | 10.1 | 10-03-25 | |
| 10.34+ | Consent and Limited Modification to Fixed Charge Ratio, dated as of May 22, 2026, among World Acceptance Corporation, Bank of Montreal, as Administrative Agent and Collateral Agent, and the Required Lenders party thereto | 8-K | 10.1 | 05-22-26 | |
| 10.35+ | Separation Agreement, dated June 3, 2026, by and between Janet L. Matricciani and World Acceptance Corporation | 8-K | 06-03-26 | ||
| 19 | Insider Trading Policy | 10-K | 19 | 05-23-24 | |
| 97 | Policy Relating to Recovery of Erroneously Awarded Compensation | 10-K | 97 | 05-22-25 | |
| 21 | Schedule of the Company’s Subsidiaries as of March 31, 2026 | * | |||
| 23 | Consent of RSM US LLP | * | |||
| 31.01 | Rule 13a-14(a)/15d-14(a) Certification of Chief Operating Officer | * | |||
| 31.02 | Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer | * | |||
| 32.01 | Section 1350 Certification of Chief Operating Officer | * | |||
| 32.02 | Section 1350 Certification of Chief Financial Officer | * | |||
| 101 | The following materials from the Company’s Annual Report on Form 10-K for the fiscal year ended March 31, 2026, formatted in XBRL: | * | |||
| (i) Consolidated Balance Sheets as of March 31, 2026 and March 31, 2025; | |||||
|---|---|---|---|---|---|
| (ii) Consolidated Statements of Operations for the fiscal years ended March 31, 2026, March 31, 2025, and March 31, 2024; | |||||
| (iii) Consolidated Statements of Shareholders’ Equity for the fiscal years ended March 31, 2026, March 31, 2025, and March 31, 2024; | |||||
| (iv) Consolidated Statements of Cash Flows for the fiscal years ended March 31, 2026, March 31, 2025, and March 31, 2024; 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/ J. Tobin Turner | ||
| J. Tobin Turner | ||
| Executive Vice President and Chief Operating Officer | ||
| Date: | June 4, 2026 | |
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/ J. Tobin Turner | /s/ John L. Calmes, Jr. | |||
|---|---|---|---|---|
| J. Tobin Turner | John L. Calmes, Jr. | |||
| Executive Vice President and Chief Operating Officer | 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: | June 4, 2026 | Date: | June 4, 2026 | |
| /s/ Scott McIntyre | ||||
| Scott McIntyre | ||||
| Senior Vice President of Accounting | ||||
| Signing on behalf of the registrant and as principal accounting officer | ||||
| Date: | June 4, 2026 | |||
| /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: | June 4, 2026 | Date: | June 4, 2026 | |
| /s/ Charles D. Way | /s/ Darrell Whitaker | |||
| Charles D. Way | Darrell Whitaker | |||
| Director | Director | |||
| Date: | June 4, 2026 | Date: | June 4, 2026 | |
| /s/ Beth Neuhoff | /s/ Benjamin Robinson | |||
| Beth Neuhoff | Benjamin Robinson | |||
| Director | Director | |||
| Date: | June 4, 2026 | Date: | June 4, 2026 | |
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