WORLD ACCEPTANCE CORP

Overview

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• TickerWRLD on Nasdaq²
• IndustryPersonal Credit Institutions²
• HeadquartersGreenville, United States²
• Incorporated inSC⁴
• Business address104 S. Main Street, Suite 400, Greenville, Sc 29601⁴
• Filer categoryAccelerated filer⁴
• Legal formCorporation²
• LEI529900M7JQUDCH7Q9153²
• StatusActive²
• LEI statusLapsed (not renewed)²
• Registered addressSECRETARY OF STATE TOWNSEND BLDG, SUITE 4, 19901 Dover, United States²
• Registered withDivision of Corporations, Department of State, 774994²

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Corporate structure

WORLD ACCEPTANCE CORP sits at the top of its group. 25 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What WORLD ACCEPTANCE CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Investments

Intangibles and goodwill

Properties, in its own words

Our headquarters is located in approximately 45,000 square feet of leased space in downtown Greenville, South Carolina. This lease expires on January 31, 2030 and includes two five-year renewal options. We also lease approximately 8,000 square feet of space in Greenville, South Carolina which expires on January 31, 2032.

As of March 31, 2026, we had 1,009 branches, most of which are leased and are classified as operating leases. Our branch leases generally provide for an initial three-to-five-year term with renewal options. Our branches are typically located in shopping centers, malls and the first floors of downtown buildings. Branches have an average size of approximately 1,600 square feet. We own all of the furniture, fixtures and computer terminals located in each of our branches.

Item 2 of the 10-K filed Jun 4, 2026.¹⁶

Leadership

Who has led WORLD ACCEPTANCE CORP, and when. Pick a name to see everywhere that person has worked.

• Chief executive officerJames H. Wanserski Jan 24, 2018 to Jan 24, 2018¹⁷
• Chief executive officerR. Chad Prashad Sep 6, 2018 to now¹⁸
• Chief executive officerJanet Lewis Matricciani Oct 5, 2015 to Jan 24, 2018¹⁹
• Chief executive officerA. A. McLean Iii. Mar 27, 2006 to Oct 2, 2015²⁰
• Chief executive officerCharles D. Walters May 17, 2006 to Feb 2, 2007²¹
• ChairA. A. McLean Iii. Feb 13, 2008 to Oct 2, 2015²²
• ChairCharles D. Walters May 17, 2006 to Feb 2, 2007²¹
• PresidentJanet Lewis Matricciani Apr 17, 2026 to now²³
• PresidentJames H. Wanserski Jan 24, 2018 to Jan 24, 2018¹⁷
• PresidentR. Chad Prashad Sep 6, 2018 to Apr 17, 2026¹⁸
• PresidentMark C. Roland Mar 27, 2006 to May 22, 2013²⁴
• Chief financial officerJohn L. Calmes Jr. Dec 5, 2013 to Oct 5, 2018²⁵
• Chief financial officerKelly Malson Snape Mar 27, 2006 to Nov 8, 2013²⁶
• Chief operating officerJames Tobin Turner Feb 18, 2026 to now²⁷
• Chief operating officerJanet Lewis Matricciani Feb 4, 2014 to May 4, 2015²⁸
• Chief operating officerMark C. Roland Mar 27, 2006 to May 22, 2013²⁴

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

• WAC Credit Card Services, LLC Utah⁵
• WAC of Oklahoma, LP Oklahoma⁵
• WAC of South Carolina, LLC South Carolina⁵
• WFC Limited Partnership Texas⁵
• WFC Receivables I, LLC Delaware⁵
• WFC Receivables II, LLC Delaware⁵
• WFC Services, Inc. (SC) South Carolina⁵
• WFC of South Carolina, Inc. South Carolina⁵
• World Acceptance Corporation South Carolina⁵
• World Acceptance Corporation of Alabama Alabama⁵
• World Acceptance Corporation of Missouri Missouri⁵
• World Finance Company of Georgia, LLC Georgia⁵
• World Finance Company of Idaho, LLC Idaho⁵
• World Finance Company of Indiana, LLC Indiana⁵
• World Finance Company of Kentucky, LLC Kentucky⁵
• World Finance Company of Mississippi, LLC Mississippi⁵
• World Finance Company of Oklahoma, LLC Oklahoma⁵
• World Finance Company of South Carolina, LLC South Carolina⁵
• World Finance Company of Utah, LLC Utah⁵
• World Finance Corporation of Colorado Colorado⁵
• World Finance Corporation of Illinois Illinois⁵
• World Finance Corporation of Louisiana Louisiana⁵
• World Finance Corporation of New Mexico New Mexico⁵
• World Finance Corporation of Tennessee Tennessee⁵

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

1. Sep 21, 20268-K Executive or director change⁵⁸
2. Aug 19, 20268-K Shareholder vote⁵⁹
3. Aug 13, 20268-K Other events⁶⁰
4. Jul 24, 20268-K Results of operations; Regulation FD disclosure⁶¹
5. Jul 1, 20268-K Entered a material agreement; New debt or obligation⁶²
6. Jun 4, 20268-K Executive or director change⁶³
7. May 26, 20268-K Entered a material agreement⁶⁴
8. Apr 30, 20268-K Results of operations; Regulation FD disclosure⁶⁵
9. Apr 15, 20268-K Executive or director change; Other events⁶⁶
10. Feb 17, 20268-K Executive or director change; Regulation FD disclosure⁶⁷
11. Feb 11, 20268-K Other events⁶⁸
12. Jan 27, 20268-K Results of operations; Regulation FD disclosure⁶⁹
13. Sep 6, 2018New chief executive R. Chad Prashad becomes CEO¹⁸
14. Jan 24, 2018New chief executive James H. Wanserski becomes CEO¹⁷
15. Oct 5, 2015New chief executive Janet Lewis Matricciani becomes CEO¹⁹
16. May 17, 2006New chief executive Charles D. Walters becomes CEO²¹
17. Mar 27, 2006New chief executive A. A. McLean Iii. becomes CEO²⁰

Calendar

Coming up

1. Oct 23, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported ($0.38) a share, on Oct 23, 2025.⁷⁰

When it reported results

1. Jul 24, 2026Reported quarterly or annual results⁶¹
2. Apr 30, 2026Reported quarterly or annual results⁶⁵
3. Jan 27, 2026Reported quarterly or annual results⁶⁹
4. Oct 23, 2025Reported quarterly or annual results⁷¹
5. Jul 24, 2025Reported quarterly or annual results⁷²
6. Apr 29, 2025Reported quarterly or annual results⁷³
7. Jan 28, 2025Reported quarterly or annual results⁷⁴
8. Oct 25, 2024Reported quarterly or annual results⁷⁵

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

300 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 49 major events, 137 insider forms, 19 large holders, 74 other. The latest 20:

1. Sep 25, 20264 EDGAR
2. Sep 21, 20268-K EDGAR
3. Aug 19, 20268-K EDGAR
4. Aug 18, 20264 OWNERSHIP DOCUMENT EDGAR
5. Aug 18, 2026SCHEDULE 13D/A EDGAR
6. Aug 13, 20264 EDGAR
7. Aug 13, 20268-K EDGAR
8. Aug 12, 2026144 EDGAR
9. Aug 11, 20264 EDGAR
10. Aug 10, 2026144 EDGAR
11. Aug 6, 202610-Q EDGAR
12. Aug 4, 20264 EDGAR
13. Aug 3, 2026144 EDGAR
14. Jul 31, 20264 EDGAR
15. Jul 30, 2026144 EDGAR
16. Jul 24, 20268-K EDGAR
17. Jul 22, 2026DEF 14A EDGAR
18. Jul 22, 2026ARS EDGAR
19. Jul 7, 20264 OWNERSHIP DOCUMENT EDGAR
20. Jul 7, 2026SCHEDULE 13D/A EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

65 open-market trades by officers, directors and large owners since October 2021: 0 buys and 65 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

• Prescott General Partners LLCSCHEDULE 13D/A, 5 filings Feb 20, 2025 to Aug 18, 2026⁷⁶
• VANGUARD GROUP INCSCHEDULE 13G/A, 4 filings Feb 10, 2022 to Mar 27, 2026⁷⁷
• BlackRockSCHEDULE 13G/A, 6 filings Jan 25, 2022 to Apr 17, 2025⁷⁸
• CAS Investment Partners, LLCSC 13G/A, 4 filings Feb 14, 2022 to Nov 14, 2024⁷⁹

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How WORLD ACCEPTANCE CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARWORLD ACCEPTANCE CORP¹
• CIK0000108385
• Employer ID (EIN)57-0425114¹⁶
• Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company¹⁶
• Incorporated inSouth Carolina¹⁶
• Fiscal year endsMarch 31¹
• Industry code (SIC)6141 Personal Credit Institutions¹
• SEC reviewing officeOffice of Finance, Division of Corporation Finance¹
• Business address104 S. Main Street, Suite 400, Greenville, SC 29601¹
• Mailing addressP O Box 6429, Greenville, SC 29606¹
• Phone8642989800¹
• Shares outstanding4,663,180 as of Jul 31, 2026¹²
• Public float$437.3M as of Sep 30, 2025¹⁶
• AuditorRSM US LLP, Raleigh, North Carolina PCAOB ID 49; it also attests to the company’s internal control over financial reporting¹⁶
• On EDGAR sinceFeb 14, 1994¹
• Filings1,598 in all: 4 (822), 8-K (229), SC 13G/A (111), 10-Q (90), 144 (55), SC 13G (36), DEF 14A (31), 10-K (29)¹
  All 34 form types

  11-K (28), 3 (28), SC 13D/A (23), UPLOAD (18), 4/A (16), CORRESP (12), 424B3 (11), 10-K/A (9), S-8 (9), ARS (5), SCHEDULE 13D/A (5), 10-Q/A (4), 8-K/A (4), SC 13D (4), NT 10-K (3), 5 (2), NT 10-Q (2), NT 11-K (2), PRE 14A (2), SCHEDULE 13G/A (2), 10-K405 (1), 10-K405/A (1), 11-K/A (1), DEFR14A (1), NT 10-K/A (1), S-3ASR (1)

• Latest filingsAnnual report (10-K) Jun 4, 2026
  Quarterly report (10-Q) Aug 6, 2026
  Proxy statement (DEF 14A) Jul 22, 2026
  Latest 8-K (8-K) Sep 21, 2026

Securities registered for trading

From the cover page of the 10-K filed Jun 4, 2026 (Section 12(b) of the Exchange Act).¹⁶

Risk factors and legal proceedings

The risks WORLD ACCEPTANCE CORP names in Item 1A of its 10-K filed Jun 4, 2026: 47 risks under these headings, as written.¹⁶

• Forward-Looking Statements
• Negative media coverage or public perception of consumer installment loans as predatory or abusive may materially impact our business performance, growth prospects, and financial condition.
• Fluctuations in interest rates may negatively impact borrowing costs, profitability, and overall liquidity.
• The Company's lending activities risk the potential of borrower default, which may impact earnings and asset quality.
• The Company's insurance operations face risks related to claims volatility, catastrophic events, underwriting performance, and reliance on a primary distribution channel.
• If actual credit losses exceed projected estimates, the Company may be required to increase the provision, negatively impacting earnings and financial results.
• A significant concentration of revenue in certain states increases exposure to regional economic, regulatory, or legislative changes that could adversely affect the Company.
• Adverse economic conditions—such as inflation, unemployment, interest rate volatility, or reduced consumer spending—may impair the Company's ability to execute business strategy and could materially impact its financial position, operating results, and cash flows.
• The Company's ability to achieve growth objectives may be hindered by external factors such as regulatory changes, economic shifts, competitive pressure, or operational constraints beyond its control.
• Limited product and business diversification may expose the Company to greater earnings volatility and heighten sensitivity to external market or regulatory changes, compared to more diversified peers.
• A decline in demand for products, combined with failure to adapt offerings or strategy, could negatively impact the business and the Company's operating results.
• Failures or circumvention of loan underwriting, processing, or servicing policies may lead to credit losses or operational breakdowns that adversely impact results.

Legal proceedings

From time to time, the Company is involved in litigation matters relating to claims arising out of its operations in the normal course of business.

Estimating an amount or range of possible losses resulting from litigation, government actions, and other legal proceedings is inherently difficult and requires an extensive degree of judgment, particularly where the matters involve indeterminate claims for monetary damages, may involve fines, penalties, or damages that are discretionary in amount, involve a large number of claimants or significant discretion by regulatory authorities, represent a change in regulatory policy or interpretation, present novel legal theories, are in the early stages of the proceedings, are subject to appeal or could result in a change in business practices. In addition, because most legal proceedings are resolved over extended periods of time, potential losses are subject to change due to, among other things, new developments, changes in legal strategy, the outcome of intermediate procedural and substantive rulings and other parties’ settlement posture and their evaluation of the strength or weakness of their case against us. For these reasons, we are currently unable to predict the ultimate timing or outcome of, or reasonably estimate the possible losses or a range of possible losses resulting from, currently pending claims. Based on information currently available, the Company does not believe that any reasonably possible losses arising from currently pending legal matters will be material to the Company’s results of operations or financial conditions. However, in light of the inherent uncertainties involved in such matters, an adverse outcome in one or more of these matters could materially and adversely affect the Company’s financial condition, results of operations or cash flows in any particular reporting period.

The opening of Item 3, Legal Proceedings.¹⁶