# EDGAR Filing Document

**Accession Number:** 0000108385
**File Stem:** 0000108385-26-000017
**Filing Date:** 2026-6
**Character Count:** 11532
**Document Hash:** dbd766e813caa5d02b59f69bfc11e69d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000108385-26-000017.hdr.sgml**: 20260605

**ACCESSION NUMBER**: 0000108385-26-000017

**CONFORMED SUBMISSION TYPE**: 10-K/A

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260605

**DATE AS OF CHANGE**: 20260605

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WORLD ACCEPTANCE CORP
- **CENTRAL INDEX KEY:** 0000108385
- **STANDARD INDUSTRIAL CLASSIFICATION:** PERSONAL CREDIT INSTITUTIONS [6141]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 570425114
- **STATE OF INCORPORATION:** SC
- **FISCAL YEAR END:** 0331

**FILING VALUES:**
- **FORM TYPE:** 10-K/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-19599
- **FILM NUMBER:** 261069210

**BUSINESS ADDRESS:**
- **STREET 1:** 104 S. MAIN STREET
- **STREET 2:** SUITE 400
- **CITY:** GREENVILLE
- **STATE:** SC
- **ZIP:** 29601
- **BUSINESS PHONE:** 8642989800

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 6429
- **CITY:** GREENVILLE
- **STATE:** SC
- **ZIP:** 29606

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WORLD FINANCE CORP
- **DATE OF NAME CHANGE:** 19700210

?xml version='1.0' encoding='ASCII'? wrld-20260331

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

__________________________________

**Form 10-K/A**

**(Amendment No.1)**

__________________________________

☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

&nbsp;&nbsp;&nbsp;&nbsp;

For the fiscal year ended: **March 31, 2026** 

OR

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _______________ to _____________

Commission file number: **000-19599**

---

| |
|:---|
| **WORLD ACCEPTANCE CORPORATION** |
| (Exact name of registrant as specified in its charter) |

---

---

| | | |
|:---|:---|:---|
| South Carolina | South Carolina | 57-0425114 |
| (State or other jurisdiction of incorporation or organization) | (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer Identification No.) |
| 104 S. Main St. | 104 S. Main St. |  |
| Greenville | South Carolina | 29601 |
| (Address of principal executive offices) | (Address of principal executive offices) | (Zip Code) |

---

<u>(864)</u> <u>298-9800</u> <br> (Registrant's telephone number, including area code)

SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:

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| | | |
|:---|:---|:---|
| Title of Each Class | Trading Symbol(s) | Name of Each Exchange on Which Registered |
| Common Stock, no par value | WRLD | The NASDAQ Stock Market LLC |
| | | (NASDAQ Global Select Market) |

---

SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT: NONE

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes □

No ⌧

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes □ No ⌧

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or Section 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ⌧ No □

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ⌧ No □

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

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| | | | |
|:---|:---|:---|:---|
| Large accelerated filer | ☐ | Accelerated filer | ☒ |
| Non-accelerated filer | ☐ | Smaller reporting company | ☐ |
| Emerging growth company | ☐ | | |

---

If an emerging growth company, indicate by check mark if registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. □

Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒

If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements.☒

Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant's executive officers during the relevant recovery period pursuant to § 240.10D-1(b).□

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).

Yes ☐ No ⌧

The aggregate market value of voting stock held by non-affiliates of the registrant as of September 30, 2025, computed by reference to the closing sale price on such date, was $437,342,423. (For purposes of calculating this amount only, all directors and executive officers are treated as affiliates. This determination of affiliate status is not necessarily a conclusive determination for other purposes.) As of May 27, 2026, 4,640,323 shares of the registrant's Common Stock, no par value, were outstanding.

**DOCUMENTS INCORPORATED BY REFERENCE**.

**EXPLANATORY NOTE**

This Amendment No. 1 to the Annual Report on Form 10-K is filed solely to refile Exhibit 23.1 (Consent of Independent Registered Public Accounting Firm) to include references to additional registration statements on Form S-8 that were included in the executed version of the consent originally provided by our independent registered public accounting firm, but were inadvertently omitted from the electronic version of the exhibit as originally filed. The corrected Consent of Independent Registered Public Accounting Firm is filed as Exhibit 23 with this Form 10-K/A.

Pursuant to Rule 12b-15 under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), this Form 10-K/A also contains certifications pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, which are attached hereto. Because no financial statements have been included in this Form 10-K/A and this Form 10-K/A does not contain or amend any disclosure with respect to Items 307 and 308 of Regulation S-K, paragraphs 3, 4, and 5 of the certifications have been omitted.

Except as described above, no other amendments are being made to the Original 10-K by this Amendment No. 1. This Amendment No. 1 does not reflect events occurring after the date of the filing of the Original 10-K, nor does it amend, modify

------

or otherwise update any other information in the Original 10-K. Accordingly, this Amendment No. 1 should be read in conjunction with the Original 10-K, and with our other filings with the SEC subsequent to the filing of the Original 10-K.

The following exhibits are filed as part of this Amendment No. 1.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Exhibit<br>Number | Exhibit Description | Filed<br>Herewith | Incorporated by Reference | Incorporated by Reference | Incorporated by Reference |
| Exhibit<br>Number | Exhibit Description | Filed<br>Herewith | Form or<br>Registration<br>Number | Exhibit | Filing<br>Date |
| 23 | <u>[Consent of RSM US LLP](exhibit23q4fy26a.htm)</u> | \* |  |  |  |
| 31.03 | <u>[Rule 13a-14(a)/15d-14(a) Certification of Chief Operating Officer](exhibit3103q4fy26a.htm)</u> | \* |  |  |  |
| 31.04 | <u>[Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer](exhibit3104q4fy26a.htm)</u> | \* |  |  |  |
| 104 | &nbsp;&nbsp;&nbsp;Cover Page Interactive Data File (embedded within the Inline XBRL document) |  |  |  |  |

---

\* Submitted electronically herewith. <br> + 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** | **WORLD ACCEPTANCE CORPORATION** |
| By: /s/ J. Tobin Turner | By: /s/ J. Tobin Turner |
| J. Tobin Turner | J. Tobin Turner |
| Executive Vice President and Chief Operating Officer | Executive Vice President and Chief Operating Officer |
| Date: | June 5, 2026 |

---

## Ex-23

EXHIBIT 23

**Consent of Independent Registered Public Accounting Firm**

We consent to the incorporation by reference in the Registration Statements (Nos. 333-14399, 333-107426, 333-135621, 333-153212, 333-179389, 333-220391, 333-228093, 333-287874, and 333-291462) on Form S-8 of World Acceptance Corporation of our reports dated June 4, 2026, relating to the consolidated financial statements and the effectiveness of internal control over financial reporting of World Acceptance Corporation, appearing in this Annual Report on Form 10-K of World Acceptance Corporation for the year ended March 31, 2026.

/s/ RSM US LLP

Raleigh, North Carolina

June 4, 2026

## Exhibit 31.03

EXHIBIT 31.03

CERTIFICATION

I, J. Tobin Turner , certify that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.I have reviewed this Amendment No. 1 to the Annual Report on Form 10-K/A of World Acceptance Corporation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report.

---

| | | |
|:---|:---|:---|
| Dated: | June 5, 2026 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ J. Tobin Turner |
| | | J. Tobin Turner |
| | | Executive Vice President and Chief Operating Officer |

---

## Exhibit 31.04

EXHIBIT 31.04

CERTIFICATION

I, John L. Calmes, Jr., certify that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.I have reviewed this Amendment No. 1 to the Annual Report on Form 10-K/A of World Acceptance Corporation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report.

---

| | | |
|:---|:---|:---|
| Dated: | June 5, 2026 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ John L. Calmes, Jr. |
| | | John L. Calmes, Jr. |
| | | Executive Vice President and Chief Financial and Strategy Officer |

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