World Acceptance Corporation is classed by the SEC under Personal Credit Institutions (industry code 6141), based in Greenville, SC. In its latest annual figures on file, for the fiscal year ended 2026-03-31, it reported revenue of $585 million and a profit of $35 million (its filed statements).
Lending businessPersonal Credit InstitutionsGreenville, SCfilings since 19949 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6141, Personal Credit Institutions); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.3 out of ten, 9 of 9 metrics filed: past 5.3 out of ten, present 3.9 out of ten, future 3.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 4.2 out of ten. 1 warning event since 2017; the latest 2017-06-14. 42nd percentile among 12 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 3.8 out of ten. +2% a year over 10 filed years; profitable in 10 of 10. 38th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 7.7 out of ten. Share count shrank 5.2% a year. 29% of cash flow returned. Insiders: 23 sales, 0 purchases. 77th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.5 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 67%: owes 67¢ per asset dollar. 65th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 0.8 out of ten. bottom 8% of 11 in its family; net margin 5.9%. 8th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 3.0 out of ten. bottom 30% of 11 in its family for leadership; chief executive since 2026. 30th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 4.1 out of ten. bottom 41% of 11 in its family for room to expand. 41st percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.7 out of ten. bottom 37% of 11 in its family for growth drivers. 37th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 2.9 out of ten. bottom 29% of 11 in its family for expectations against reality. 29th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-06-04 for the period ended 2026-03-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-24 (on EDGAR). Newest filing: Form 4, 2026-09-25. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Calmes, John L Jr (President and Chief Executive Officer); Matricciani, Janet Lewis (Interim President and CEO); Prashad, R Chad (President and CEO); Umstetter, Luke J. (Senior Vice President, General Counsel, Chief Compliance Officer and Secretary); Turner, James Tobin (EVP, Chief Operating Officer); Dyer, Daniel Clinton (Executive VP, Chief Branch Operations Officer); Childers, Jason E. (SVP, Information Technology); Mcintyre, Scott (SVP, Accounting); Caulder, Alice Lindsay (SVP, Human Resources); Prescott, General Partners Llc (director); and 5 more. 15 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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