Quarterly Period Covered: Q1 fiscal year 2027 (April 1 - June 30, 2026), filed August 6, 2026 Company Business: Personal credit institution (SIC 6141) based in Greenville, South Carolina, formerly known as World Finance Corp, with fiscal year ending March 31 Financial Structure: Filing includes consolidated financial statements with multiple credit facilities tracked separately (revolving credit…

Our analysis rates this filing BEARISH. World Acceptance Corp faces HIGH concern levels driven by a convergence of material risk factors. The most critical issue is the prior period financial restatement, which signals accounting control weaknesses and raises fundamental questions about financial…

Concern level: HIGH (7.2/10). Key factors: Prior period financial restatement with error corrections affecting retained earnings and equity - indicates material accounting control deficiency or reporting errors (severity 7/10); Deteriorating loan portfolio credit quality evidenced by detailed delinquency tracking across multiple aging buckets and customer tenure segments (severity 6/10);…

Notable risk changes: Financial restatement of prior period (Q1 FY2026) with error corrections affecting retained earnings - indicates accounting control deficiency or material errors in prior reporting; Detailed delinquency tracking across multiple customer tenure cohorts and past-due aging buckets suggests deteriorating credit quality in consumer loan portfolio; Warehouse facility financing structure alongside…

The model predicts WRLD will underperform the S&P 500 by about 0.0% over 30 days. This is model analysis for research, not investment advice.