WRLD WORLD ACCEPTANCE CORP

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 4/4 quarters. Q1 2027: $13M, Q3 2026: $1M, Q2 2026: $10M, Q1 2026: $11M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $13M vs trailing avg $7M (+75%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Negative FCF ($-2M), buybacks not supported by cash flow

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 308,862 shares = 6.6% of 4,656,505 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

No insider open-market purchases in the last 12 months

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Need both buyback and insider purchase data

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $2M in the last 90 days (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

Company buying back stock while insiders sold 66574568.6x more than bought. 1 C-suite officers among sellers

• Prashad R Chad (President and CEO) sold 800 shares on 2025-12-18
• Prashad R Chad (President and CEO) sold 1,476 shares on 2025-12-18
• Prashad R Chad (President and CEO) sold 724 shares on 2025-12-18
• Prashad R Chad (President and CEO) sold 5,824 shares on 2025-09-12
• Prashad R Chad (President and CEO) sold 1,195 shares on 2025-09-12
• Prashad R Chad (President and CEO) sold 1,905 shares on 2025-09-15