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Insider Cluster (2 insiders) ·Filed Aug 4, 2026

WRLD

WORLD ACCEPTANCE CORP
NEUTRAL
Impact 4/10
Horizondays Processed2mo ago
Insider cluster: 2 insiders, $613K total
Actionable Insight • Neutral

The insider sales are routine in size and timing — post-earnings selling by non-C-suite insiders carries minimal signal. The Q1 EPS beat and improving credit trends are the dominant narrative. Monitor for any C-suite selling or a material increase in volume; absent that, this cluster does not warrant a bearish read.

DirectionNeutral
Confidencehigh
Horizondays
Latest settled — T+20d
WRLD ▼ -6.88% at T+20d
NEUTRAL call -6.88% · α vs SPY -5.64% · entry $193.63 → $180.31
Next anchor: T+60d tomorrow
Latest observation: T+57 -24.30% FF3 residual α
Entry = T+0 close
Aug 4, 2026
via day close
T+1d
-0.58%
call -0.58% · α -0.38%
$192.51
settled 3mo ago
T+5d
-3.35%
call -3.35% · α -3.25%
$187.14
settled 3mo ago
T+20d
-6.88%
call -6.88% · α -5.64%
$180.31
settled 8w ago
T+60d
Pending
tomorrow

Price Chart

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Executive Summary

Two WRLD insiders sold a combined $613K in open-market sales over a 7-day window, following the Q1 FY2027 earnings release that showed a massive EPS beat but a revenue miss. The selling is modest relative to the $877M market cap (0.07%), and the trades occurred after the earnings announcement, reducing the informational advantage typically associated with insider sales.

Key Financial Metrics

Direction
selling
Total Value
$613.0K
Insiders
2

Key Facts

  • Insider cluster: 2 open-market sales totaling $613K over 7 days (July 30 – August 3, 2026)
  • Sellers: John L. Calmes Jr. (See remarks) sold $372K at $186.00; Scott McIntyre (SVP, Accounting) sold $241K at $185.00
  • Total sales represent ~0.07% of WRLD's $877M market cap — below the 0.1% threshold for materiality
  • Sales occurred 6-10 days after Q1 FY2027 earnings (July 24), which featured a 265.5% GAAP EPS beat but a 3.3% revenue miss
  • No C-suite executives (CEO/CFO) participated in the cluster; both sellers are non-C-suite insiders
  • No 10b5-1 plan pattern detected — trades are isolated open-market sales

Financial Impact

$613K in insider sales, 0.07% of market cap

insider ownership

Risk Factors

  • Revenue miss in Q1 (-3.3% vs consensus) and shrinking customer base (-1.9% YoY) remain headwinds
  • Insider selling could accelerate if the stock continues to rally post-earnings
  • Analyst consensus is heavily bearish (0% bullish) — insider sales may reinforce negative sentiment

Market Snapshot

Exchange
Nasdaq
Sector
Personal Credit Institutions
Analyst Consensus
0% bullish (6 analysts)

Investment Themes

Traditional Finance

Documents Analyzed

This report is based on 1 SEC document filed with EDGAR.

DocumentAccession Number
CLUSTER Data (Synthetic)cluster-WRLD-1785900450443
14 reports for WRLD
Performance horizon
100% Hit rate @ T+1 4 of 4 directional calls Went positive at some point 4 of 4 best @ T+60▲ +21.63%Jul 1, 2026
Filters
Rows
Reports for WRLD — sortable, filterable
TypeNow
Oct 23, 2026
3d ago
8-K
BULLISH ★ 6/10
$167.04 $167.36▲ +0.19%▼ −0.52%$167.36 (+0.19%)
Sep 21, 2026
5w ago
8-K
NEUTRAL ★ 3/10
$171.09 $172.99▲ +1.11%▲ +1.13%$167.36 (−2.18%)
Aug 18, 2026
9w ago
Insider Cluster
BEARISH ★ 5/10
$184.55 $183.94▲ +0.33%▼ −0.51%$167.36 (+9.31%)
Aug 13, 2026
10w ago
8-K
NEUTRAL ★ 3/10
$194.75 $190.00▼ −2.44%▼ −1.97%$167.36 (−14.06%)
Aug 13, 2026
10w ago
Insider Cluster
NEUTRAL ★ 3/10
$187.69 $194.75▲ +3.76%▲ +3.96%$167.36 (−10.83%)
Aug 11, 2026
10w ago
Insider Cluster
NEUTRAL ★ 2/10
$187.14 $189.65▲ +1.34%▲ +1.09%$167.36 (−10.57%)
Aug 4, 2026
11w ago
Insider Cluster
NEUTRAL ★ 4/10
$193.63 $192.51▼ −0.58%▼ −0.38%$167.36 (−13.57%)
Jul 24, 2026
13w ago
8-K
MIXED ★ 6/10
$204.67 $195.83▼ −4.32%▼ −4.34%$167.36 (−18.23%)
Jul 1, 2026
16w ago
Insider Cluster
BEARISH ★ 6/10
$219.46 $207.98▲ +5.23%▲ +5.10%$167.36 (+23.74%)
Jul 1, 2026
16w ago
Insider Cluster
NEUTRAL ★ 2/10
$219.46 $207.98▼ −5.23%▼ −5.10%$167.36 (−23.74%)
Showing 10 of 14

US Market Status

Market Closed — Opens Tue (< 1m)

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Report published Aug 4, 2026