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STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWASHINGTON, D.C. 20549\n\n \n\n__________________________________\n\nForm 10-K\n\n__________________________________\n\n \n\n☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n      \n\nFor the fiscal year ended: March 31, 2026\n\nOR\n\n☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n   \n\nFor the transition period from _______________ to _____________\n\nCommission file number: 000-19599\n\nWORLD ACCEPTANCE CORPORATION\n\n(Exact name of registrant as specified in its charter)\n\nSouth Carolina 57-0425114\n\n(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)\n\n   \n\n104 S. Main St.  \n\nGreenvilleSouth Carolina   29601\n\n(Address of principal executive offices)  (Zip Code) \n\n \n\n(864)298-9800  \n\n(Registrant's telephone number, including area code) \n\n \n\nSECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:\n\n \n\nTitle of Each Class  Trading Symbol(s) Name of Each Exchange on Which Registered\n\nCommon Stock, no par valueWRLD The NASDAQ Stock Market LLC\n\n  (NASDAQ Global Select Market)\n\nSECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT: NONE\n\n \n\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes o\n\n No x\n\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.   Yes o No x\n\nIndicate 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 x  No o\n\nIndicate 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 x  No o\n\nIndicate 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.\n\n \n\nLarge accelerated filer☐Accelerated filer ☒\n\n  \n\nNon-accelerated filer ☐Smaller reporting company ☐\n\nEmerging growth company ☐\n\nIf 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. o\n\nIndicate 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. ☒\n\nIf 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.☒\n\nIndicate 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). o\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).  \n\nYes ☐  No x\n\nThe 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.\n\nDOCUMENTS INCORPORATED BY REFERENCE\n\nPortions of the Registrant's definitive Proxy Statement pertaining to the 2026 Annual Meeting of Shareholders (“the Proxy Statement”) to be filed pursuant to Regulation 14A are incorporated herein by reference into Part III hereof.\n\nWORLD ACCEPTANCE CORPORATION\n\nFORM 10-K\n\nTABLE OF CONTENTS\n\n \n\nItem No.ContentsPage\n\nGLOSSARY OF DEFINED TERMS\n[3](#i2880321a33104b6dbb8b913f5de5d277_10)\n\nPART I \n\n1.Business\n[5](#i2880321a33104b6dbb8b913f5de5d277_19)\n\n1A.Risk Factors\n[14](#i2880321a33104b6dbb8b913f5de5d277_22)\n\n1B.Unresolved Staff Comments\n[29](#i2880321a33104b6dbb8b913f5de5d277_25)\n\n1C.\n\nCybersecurity\n\n[29](#i2880321a33104b6dbb8b913f5de5d277_28)\n\n2.Properties\n[30](#i2880321a33104b6dbb8b913f5de5d277_31)\n\n3.Legal Proceedings\n[30](#i2880321a33104b6dbb8b913f5de5d277_34)\n\n4.Mine Safety Disclosures\n[31](#i2880321a33104b6dbb8b913f5de5d277_37)\n\nPART II \n\n5.Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\n[32](#i2880321a33104b6dbb8b913f5de5d277_43)\n\n6.[Reserved]\n[33](#i2880321a33104b6dbb8b913f5de5d277_46)\n\n7.Management's Discussion and Analysis of Financial Condition and Results of Operations\n[33](#i2880321a33104b6dbb8b913f5de5d277_49)\n\n7A.Quantitative and Qualitative Disclosures About Market Risk\n[43](#i2880321a33104b6dbb8b913f5de5d277_70)\n\n8.Financial Statements and Supplementary Data\n[44](#i2880321a33104b6dbb8b913f5de5d277_73)\n\n9.Changes in and Disagreements With Accountants on Accounting and Financial Disclosure\n[96](#i2880321a33104b6dbb8b913f5de5d277_157)\n\n9A.Controls and Procedures\n[96](#i2880321a33104b6dbb8b913f5de5d277_160)\n\n9B.Other Information\n[97](#i2880321a33104b6dbb8b913f5de5d277_163)\n\n9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections\n[97](#i2880321a33104b6dbb8b913f5de5d277_163)\n\nPART III \n\n10.Directors, Executive Officers and Corporate Governance\n[98](#i2880321a33104b6dbb8b913f5de5d277_169)\n\n11.Executive Compensation\n[98](#i2880321a33104b6dbb8b913f5de5d277_172)\n\n12.Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\n[98](#i2880321a33104b6dbb8b913f5de5d277_175)\n\n13.Certain Relationships and Related Transactions, and Director Independence\n[98](#i2880321a33104b6dbb8b913f5de5d277_178)\n\n14.Principal Accountant Fees and Services\n[98](#i2880321a33104b6dbb8b913f5de5d277_181)\n\nPART IV \n\n15.Exhibits and Financial Statement Schedules\n[99](#i2880321a33104b6dbb8b913f5de5d277_187)\n\n16.Form 10-K Summary\n[99](#i2880321a33104b6dbb8b913f5de5d277_190)\n\nEXHIBIT INDEX\n[100](#i2880321a33104b6dbb8b913f5de5d277_193)\n\nSIGNATURES\n[102](#i2880321a33104b6dbb8b913f5de5d277_196)\n\nGLOSSARY OF DEFINED TERMS\n\nThe following terms may be used throughout this report, including Consolidated Financial Statements and related notes.\n\nTermDefinition\n\n$16.35 Performance Shares\n\nPerformance shares associated with the $16.35 trailing 4-Quarter EPS target for September 30, 2018 through March 31, 2025\n\n$20.45 Performance SharesPerformance shares associated with the $20.45 trailing 4-Quarter EPS target for September 30, 2018 through March 31, 2025\n\n2008 Plan\n\nWorld Acceptance Corporation 2008 Stock Option Plan\n\n2011 Plan\n\nWorld Acceptance Corporation 2011 Stock Option Plan\n\n2017 Plan\n\nWorld Acceptance Corporation 2017 Stock Incentive Plan\n\n2025 PlanWorld Acceptance Corporation 2025 Stock Incentive Plan\n\n2018 Performance Share Measurement Period\nThe 6.5 year performance period that began on September 30, 2018 and ended on March 31, 2025 over which Performance Shares were eligible to vest, following certification by the Compensation Committee of achievement\n\n2024 Performance\nOptionsPerformance options granted on December 18, 2024 under the 2017 Plan\n\n2024 Performance SharesPerformance shares granted on December 18, 2024 under the 2017 Plan\n\n2024 Performance Option Measurement Period\nThe 1 year performance period that began on January 01, 2025 and ended on December 31, 2025 over which Performance Options were eligible to vest, following certification by the Compensation Committee of achievement\n\n2024 Performance Share Measurement Period\nThe 1 year performance period that began on January 01, 2025 and ended on December 31, 2025 over which Performance Shares were eligible to vest, following certification by the Compensation Committee of achievement\n\n2025 Performance SharesPerformance shares granted on June 10, 2025 under the 2017 Plan\n\n2025 Performance Share\nMeasurement PeriodThe performance period beginning on July 01, 2025 and ending on March 31, 2027 over which\nPerformance Shares are eligible to vest, following certification by the Compensation Committee of achievement\n\nASCAccounting Standards Codification\n\nASUAccounting Standards Update\n\nCECLCurrent Expected Credit Loss\n\nCEOChief Executive Officer\n\nCFPBU.S. Consumer Financial Protection Bureau\n\nCODM\n\nChief Operating Decision Maker\n\nCompensation CommitteeCompensation and Stock Option Committee of World Acceptance Corporation\n\nCustomer Tenure\nThe number of months since a customer was first serviced by the Company\n\nDodd-Frank Act\n\nDodd-Frank Wall Street Reform and Consumer Protection Act\n\nEDGARElectronic Data Gathering, Analysis, and Retrieval\n\nEPSEarnings per share\n\nERISAEmployee Retirement Income Security Act\n\nExchange ActSecurities Exchange Act of 1934, as amended\n\nFASBFinancial Accounting Standards Board\n\nGAAPU.S. generally accepted accounting principles\n\nHTCHistoric Tax Credit\n\nIRS\n\nU.S. Internal Revenue Service\n\nNIST CSF\n\nNational Institute of Standards and Technology Cybersecurity Framework\n\nNB\n\nNew Borrower\n\nNotes\n$300 million in aggregate principal amount of 7.0% senior unsecured notes due 2026 issued on September 27, 2021\n\nPCDPurchased Assets with Credit Deterioration\n\nPerformance OptionsPerformance-based stock options\n\n3\n\nPerformance SharesService- and performance-based restricted stock awards\n\nRehab RatePercentage of 91 days or more delinquent that do not charge off\n\nRestricted StockService-based restricted stock awards\n\nROURight-of-use\n\nSarbanes-Oxley ActSarbanes-Oxley Act of 2002\n\nSECU.S. Securities and Exchange Commission\n\nSERPSupplemental Executive Retirement Plans\n\nService OptionsService-based stock options\n\nSOFRSecured Overnight Finance Rate\n\nSPEWholly-owned, bankruptcy-remote, special purpose entity\n\nTALTax Advance Loan\n\nTransition TaxTax amount associated with a one-time repatriation tax on deferred foreign income\n\nVIEVariable interest entity\n\n4\n\n[Table of Contents](#i2880321a33104b6dbb8b913f5de5d277_7)\n\nIntroduction\n\n \n\nWorld Acceptance Corporation, a South Carolina corporation, operates a small-loan consumer finance (installment loan) business in sixteen states as of March 31, 2026. As used herein, the \"Company,” “we,” “our,” “us,” or similar formulations include World Acceptance Corporation and each of its subsidiaries, except as the context otherwise requires. All references in this report to “fiscal 2027” are to the Company’s fiscal year ending March 31, 2027; all references in this report to \"fiscal 2026\" are to the Company's fiscal year ended March 31, 2026; all references to “fiscal 2025” are to the Company’s fiscal year ended March 31, 2025; all references to “fiscal 2024” are to the Company’s fiscal year ended March 31, 2024; all references to \"fiscal 2023\" are to the Company's fiscal year ended March 31, 2023; all references to \"fiscal 2021\" are to the Company's fiscal year ended March 31, 2021; all references to \"fiscal 2019\" are to the Company's fiscal year ended March 31, 2019; and all references to \"fiscal 2018\" are to the Company's fiscal year ended March 31, 2018.\n\nPART I."}