Companies World Acceptance Corp
World Acceptance (WRLD): executive pay, fiscal 2026
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CEO pay, last three years
- $2,961,396FY2026
CEO total pay was $2,961,396 in fiscal 2026; the brief holds no earlier figure for this CEO.
FY2026: salary $364,662 · bonus $0 · stock awards $2,564,635 · option awards $0
Executives and directors
Frequently asked questions
Answers are drawn only from the figures disclosed in this brief and cited to their location in the source filing. Where a figure required for an answer is not disclosed, that is stated rather than estimated.
Full detail
Every table from the filing. Open any section.
Summary compensation table
| Named executive officer | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension / NQDC | All other | Total |
|---|---|---|---|---|---|---|---|---|
| R. Chad Prashad | $890,400 | $0 | $5,680,440 | $0 | $0 | $89,828 | $52,762 | $6,713,430 |
| Former President and Chief Executive Officer | ||||||||
| John Calmes Jr. | 554,131 | 0 | 3,471,380 | 0 | 0 | 62,124 | 49,667 | 4,137,302 |
| Executive Vice President, Chief Financial and Strategy Officer and Treasurer | ||||||||
| J. Tobin Turner | 364,662 | 0 | 2,564,635 | 0 | 0 | 0 | 32,099 | 2,961,396 |
| Executive Vice President, Chief Operating Officer (Current Principal Executive Officer) | ||||||||
| Luke Umstetter | 385,000 | 0 | 2,366,850 | 0 | 0 | 0 | 50,849 | 2,802,699 |
| Senior Vice President, General Counsel, Chief Compliance Officer and Secretary | ||||||||
| D. Clinton Dyer | 518,918 | 0 | 1,735,690 | 0 | 0 | 27,839 | 95,299 | 2,377,746 |
| Former Executive Vice President and Chief Branch Operations Officer | ||||||||
A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.
Three-year trend — total compensation per named executive
| Named executive officer | FY2026 total | FY2025 total | FY2024 total | Δ FY2025→2026 |
|---|---|---|---|---|
| R. Chad Prashad | $6,713,430 | $2,276,080 | $965,737 | ↑ +4,437,350 |
| John Calmes Jr. | 4,137,302 | 1,379,874 | 583,624 | ↑ +2,757,428 |
| J. Tobin Turner | 2,961,396 | — | — | — |
| Luke Umstetter | 2,802,699 | 905,004 | 386,623 | ↑ +1,897,695 |
| D. Clinton Dyer | 2,377,746 | 1,344,334 | 572,474 | ↑ +1,033,412 |
Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.
Incentive-plan design — the Compensation Discussion & Analysis
The Company's fiscal 2026 executive compensation program was intended to (i) provide competitive compensation to attract and retain highly talented executives; (ii) align the interests of executives and shareholders; and (iii) motivate executives to achieve and surpass the long-term goals of the Company to increase shareholder value.
| CEO STI target (% of salary) | — |
|---|---|
| CEO LTI target (% of salary) | — |
| Independent consultant | — |
| Clawback policy | True |
| Anti-hedging | True |
| Anti-pledging | True |
Equity grants and outstanding awards
Grants of plan-based awards — fiscal year 2026
| Executive | Award | Grant date | Threshold | Target | Granted | Maximum | Grant-date fair value |
|---|---|---|---|---|---|---|---|
| D. Clinton Dyer | RSU | 2025-06-10 | — | — | 8,000 | — | $1,262,320 |
| J. Tobin Turner | RSU | 2025-06-10 | — | — | 7,200 | — | 1,136,088 |
| R. Chad Prashad | PSU | 2025-06-10 | — | 8,000 | — | — | 1,262,320 |
| J. Tobin Turner | PSU | 2026-02-17 | — | 2,500 | — | — | 336,625 |
| J. Tobin Turner | PSU | 2025-06-10 | — | 1,800 | — | — | 284,022 |
| Luke Umstetter | PSU | 2025-06-10 | — | 3,000 | — | — | 473,370 |
| John Calmes Jr. | PSU | 2025-06-10 | — | 6,000 | — | — | 946,740 |
| D. Clinton Dyer | PSU | 2025-06-10 | — | 3,000 | — | — | 473,370 |
| John Calmes Jr. | RSU | 2025-06-10 | — | — | 16,000 | — | 2,524,640 |
| J. Tobin Turner | RSU | 2026-02-17 | — | — | 6,000 | — | 807,900 |
| Luke Umstetter | RSU | 2025-06-10 | — | — | 12,000 | — | 1,893,480 |
| R. Chad Prashad | RSU | 2025-06-10 | — | — | 28,000 | — | 4,418,120 |
Vehicle mix — grant-date fair value by award type
| Named executive officer | Time-vested (RSU) | Performance-vested (PSU) | Options / SARs | % performance-vested |
|---|---|---|---|---|
| D. Clinton Dyer | $1,262,320 | $473,370 | $0 | 27.3% |
| J. Tobin Turner | 1,943,988 | 620,647 | 0 | 24.2% |
| R. Chad Prashad | 4,418,120 | 1,262,320 | 0 | 22.2% |
| Luke Umstetter | 1,893,480 | 473,370 | 0 | 20.0% |
| John Calmes Jr. | 2,524,640 | 946,740 | 0 | 27.3% |
% performance-vested = PSU grant-date fair value ÷ (RSU + PSU + Options), a computed value with the derivation shown in the register.
Outstanding equity awards at fiscal year-end 2026
| Executive | Award | Shares unvested | Exercise price | Market value unvested |
|---|---|---|---|---|
| Luke Umstetter | PSU | 3,000 | — | $405,120 |
| J. Tobin Turner | PSU | 4,300 | — | 580,672 |
| John Calmes Jr. | PSU | 6,000 | — | 810,240 |
| R. Chad Prashad | PSU | 8,000 | — | 1,080,320 |
| Luke Umstetter | RSU | 12,000 | — | 1,620,480 |
| J. Tobin Turner | RSU | 13,200 | — | 1,782,528 |
| John Calmes Jr. | RSU | 16,000 | — | 2,160,640 |
| R. Chad Prashad | RSU | 28,000 | — | 3,781,120 |
Director compensation
| Director | Cash fees | Stock awards | Option awards | Non-equity incentive | All other | Total |
|---|---|---|---|---|---|---|
| Charles D. WayIndependent · Audit and Compliance (Chair) · Compensation and Stock Option | $110,000 | $315,580 | $0 | — | $0 | $425,580 |
| Ken R. Bramlett JrIndependent · Board Chair · Audit and Compliance · Compensation and Stock Option (Chair) · Nominating and Corporate Governance | 110,000 | 315,580 | 0 | — | 0 | 425,580 |
| Benjamin E. Robinson IIIIndependent · Audit and Compliance | 88,000 | 315,580 | 0 | — | 0 | 403,580 |
| Elizabeth R. NeuhoffIndependent · Compensation and Stock Option | 88,000 | 315,580 | 0 | — | 0 | 403,580 |
| Darrell E. WhitakerIndependent · Audit and Compliance · Nominating and Corporate Governance | 88,000 | 315,580 | 0 | — | 0 | 403,580 |
| Scott J. VassalluzzoIndependent · Compensation and Stock Option · Nominating and Corporate Governance (Chair) | 99,000 | — | 0 | — | 0 | 99,000 |
| R. Chad PrashadEmployee director · Not standing for re-election · Departed during FY | 0 | 0 | 0 | — | 0 | 0 |
Board fee structure and ownership guideline
| Annual cash retainer | $88,000 |
|---|---|
| Annual equity retainer | — |
| Per board meeting fee | — |
| Committee chair fees (audit / comp / nom-gov) | 22,000 / 11,000 / 11,000 |
| Stock ownership guideline | — |
Total cost of the board
| Component | FY2026 |
|---|---|
| Cash retainers and fees | $583,000 |
| Equity awards (grant-date value) | $1,577,900 |
| All other compensation | $0 |
| Total cost of the board | $2,160,900 |
Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.
Peer group, and who names World Acceptance as a peer
Companies that benchmark against WRLD
13 companies name WRLD as a compensation peer
- AMERICAS CARMART INCCRMTFY2026
- Circle Internet Group, Inc.CRCLFY2025
- CITIZENS, INC.CIAFY2025
- ENCORE CAPITAL GROUP INCECPGFY2025
- EZCORP INCEZPWFY2025
- Gold.com, Inc.GOLDFY2026
- International Money Express, Inc.IMXIFY2024
- MEDALLION FINANCIAL CORPMFINFY2025
- Open Lending CorpLPROFY2025
- OppFi Inc.OPFIFY2025
- PATHWARD FINANCIAL, INC.CASHFY2025
- PRA GROUP INCPRAAFY2025
- Regional Management Corp.RMFY2025
Each company listed discloses WRLD in its own benchmarking peer group, as disclosed in each company's most recent proxy statement within the last two proxy seasons. Two companies are therefore absent by design: one that named WRLD in an earlier year and no longer does, and one whose own most recent disclosure is older than the last two seasons.
Chief executive pay against the peer group
Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company’s own proxy statement.
| Rank | Company | FY | Chief executive | Salary | Stock awards | Option awards | Non-equity incentive | Total |
|---|---|---|---|---|---|---|---|---|
| 1 | World Acceptance Corp | 2026 | J. Tobin Turner | $364,662 | $2,564,635 | $0 | $0 | $2,961,396 |
Each peer’s compensation is from its most recently filed proxy; fiscal years differ by company. Each peer’s figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.
Say-on-pay history and pay ratio
| Meeting year | Meeting date | For | Against | Abstain | Support | Outcome |
|---|---|---|---|---|---|---|
| 2026 | 2026-08-19 | 2,947,606 | 708,462 | 22,917 | 80.62% | Passed |
| 2025 | 2025-08-20 | 4,459,675 | 114,634 | 12,932 | 97.49% | Passed |
| 2024 | 2024-08-21 | 4,646,686 | 17,618 | 24,711 | 99.62% | Passed |
| 2024 | 2024-08-21 | 4,646,686 | 17,618 | 24,711 | 99.62% | Passed |
| 2023 | 2023-08-16 | 5,417,117 | 19,019 | 29,868 | 99.65% | Passed |
| 2022 | 2022-08-17 | 4,580,228 | 39,993 | 27,284 | 99.13% | Passed |
Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year’s compensation.
Say-on-pay — history, company’s computation
| Meeting year | Meeting date | Approval — company’s computation |
|---|---|---|
| 2026 | 2026-08-19 | 80.62%a |
| 2025 | 2025-08-20 | 97.49%b |
| 2024 | 2024-08-21 | 99.62%c |
a. Approved under the standard stated in the filing — “Abstentions and "broker non-votes," if any, are not counted as shares voted and will have no effect on the outcome of this proposal.”.
b. Approved under the standard stated in the filing — “Abstentions and "broker non-votes," if any, are not counted as shares voted and will have no effect on the outcome of this proposal.”.
c. Approved under the standard stated in the filing — “Abstentions and "broker non-votes" will not be deemed to be shares voted and thus will have no effect on the outcome of Proposals 1, 2, and 3.”.
Approval percentages are the company’s own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.
CEO pay ratio
| Ratio (CEO : median employee) | 136 : 1 |
|---|---|
| CEO total compensation | $6,713,430 |
| Median employee compensation | $49,372 |
Insider trades since the proxy
Every insider equity transaction reported on Form 4 after the 2026 proxy statement — acquisitions, dispositions, exercises, and withholdings — and therefore not reflected in any table in that document.
| Insider | Role | Transaction date | Code | Shares | Price | Value | Security | Source |
|---|---|---|---|---|---|---|---|---|
| John Calmes Jr. | See remarks | 2026-07-30 | D | 2,000 | $186 | $372,000 | Common | Form 4 ↗ |
| Scott McIntyre | SVP, Accounting | 2026-08-03 | D | 1,300 | 185 | 240,500 | Common | Form 4 ↗ |
| Benjamin E. Robinson III | Director | 2026-08-10 | D | 90 | 187 | 16,853 | Common | Form 4 ↗ |
| Jason E. Childers | SVP, Information Technology | 2026-08-12 | D | 2,000 | 191 | 381,480 | Common | Form 4 ↗ |
| Prescott General Partners LLC | Greater-than-10% holder | 2026-08-14 | D | 42,091 | 188 | 7,900,060 | Common, indirect | Form 4 ↗ |
| Prescott General Partners LLC | Greater-than-10% holder | 2026-08-14 | D | 10,656 | 188 | 2,000,025 | Common, indirect | Form 4 ↗ |
| Prescott General Partners LLC | Greater-than-10% holder | 2026-08-14 | D | 72,460 | 188 | 13,600,017 | Common, indirect | Form 4 ↗ |
| Prescott General Partners LLC | Greater-than-10% holder | 2026-08-14 | D | 7,992 | 188 | 1,500,018 | Common | Form 4 ↗ |
| John Calmes Jr. | See remarks | 2026-09-24 | A | 1,960 | 0 | 0 | Common | Form 4 ↗ |
| Prescott General Partners LLC | Greater-than-10% holder | 2026-10-28 | D | 88,324 | 170 | 15,000,065 | Common, indirect | Form 4 ↗ |
| Ken R. Bramlett Jr | Director | 2026-10-29 | D | 701 | 178 | 124,841 | Common, open-market sale | Form 4 ↗ |
| Ken R. Bramlett Jr | Director | 2026-10-29 | D | 1,224 | 177 | 216,832 | Common, open-market sale | Form 4 ↗ |
| Ken R. Bramlett Jr | Director | 2026-10-29 | D | 1,872 | 176 | 330,202 | Common, open-market sale | Form 4 ↗ |
Transaction codes per Form 4: A acquisition · S open-market sale · F tax withholding · M option exercise · G gift. Value = shares × price as reported. Dividend-equivalent and fractional-share accrual rows (derivative Class A, under $10,000 and under 2,000 shares) are aggregated per date; every row appears in full below.
Sources (45 citations)
Each figure is listed with the filing it comes from, where it appears in that filing, and the value as printed. Any figure can be independently confirmed against the source.
- Section 01, R. Chad Prashad. DEF 14A, filed 2026-07-22. Section “2026 Summary Compensation Table” · page 27. As printed: 6,713,430. View filing ↗
- Section 01, John Calmes Jr.. DEF 14A, filed 2026-07-22. Section “2026 Summary Compensation Table”. As printed: 4,137,302. View filing ↗
- Section 01, J. Tobin Turner. DEF 14A, filed 2026-07-22. Section “2026 Summary Compensation Table”. As printed: 2,961,396. View filing ↗
- Section 01, Luke Umstetter. DEF 14A, filed 2026-07-22. Section “2026 Summary Compensation Table”. As printed: 2,802,699. View filing ↗
- Section 01, D. Clinton Dyer. DEF 14A, filed 2026-07-22. Section “2026 Summary Compensation Table”. As printed: 2,377,746. View filing ↗
- Section 03, D. Clinton Dyer RSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, J. Tobin Turner RSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, R. Chad Prashad PSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, J. Tobin Turner PSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, J. Tobin Turner PSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, Luke Umstetter PSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, John Calmes Jr. PSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, D. Clinton Dyer PSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, John Calmes Jr. RSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, J. Tobin Turner RSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, Luke Umstetter RSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 03, R. Chad Prashad RSU. DEF 14A, filed 2026-07-22. Section “Executive Compensation” · grants of plan-based awards table. View filing ↗
- Section 07, pay ratio. DEF 14A, filed 2026-07-22. Section “CEO Pay Ratio”. As printed: 136 : 1. View filing ↗
- Section 08, Charles D. Way. DEF 14A, filed 2026-07-22. Section “Director Compensation”. As printed: 425,580. View filing ↗
- Section 08, Ken R. Bramlett Jr. DEF 14A, filed 2026-07-22. Section “Director Compensation”. As printed: 425,580. View filing ↗
- Section 08, Benjamin E. Robinson III. DEF 14A, filed 2026-07-22. Section “Director Compensation”. As printed: 403,580. View filing ↗
- Section 08, Elizabeth R. Neuhoff. DEF 14A, filed 2026-07-22. Section “Director Compensation”. As printed: 403,580. View filing ↗
- Section 08, Darrell E. Whitaker. DEF 14A, filed 2026-07-22. Section “Director Compensation”. As printed: 403,580. View filing ↗
- Section 08, Scott J. Vassalluzzo. DEF 14A, filed 2026-07-22. Section “Director Compensation”. As printed: 99,000. View filing ↗
- Section 08, R. Chad Prashad. DEF 14A, filed 2026-07-22. Section “Director Compensation”. As printed: 0. View filing ↗
- Section 02, John Calmes Jr. 2026-07-30. Form 4, filed 2026-07-31. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Scott McIntyre 2026-08-03. Form 4, filed 2026-08-04. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Benjamin E. Robinson III 2026-08-10. Form 4, filed 2026-08-11. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Jason E. Childers 2026-08-12. Form 4, filed 2026-08-13. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Prescott General Partners LLC 2026-08-14. Form 4, filed 2026-08-18. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Prescott General Partners LLC 2026-08-14. Form 4, filed 2026-08-18. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Prescott General Partners LLC 2026-08-14. Form 4, filed 2026-08-18. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Prescott General Partners LLC 2026-08-14. Form 4, filed 2026-08-18. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, John Calmes Jr. 2026-09-24. Form 4, filed 2026-09-25. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Prescott General Partners LLC 2026-10-28. Form 4, filed 2026-10-30. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Ken R. Bramlett Jr 2026-10-29. Form 4, filed 2026-10-30. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Ken R. Bramlett Jr 2026-10-29. Form 4, filed 2026-10-30. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 02, Ken R. Bramlett Jr 2026-10-29. Form 4, filed 2026-10-30. Insider equity transaction reported since the proxy statement. View filing ↗
- Section 06, 2026 vote. Form 8-K, filed 2026-08-19. Item 5.07 · say-on-pay result. As reported: 80.62% (votes for as printed: 2,947,606). View filing ↗
- Section 06, 2025 vote. Form 8-K, filed 2025-08-22. Item 5.07 · say-on-pay result. As reported: 97.49% (votes for as printed: 4,459,675). View filing ↗
- Section 06, 2024 vote. Form 8-K, filed 2024-08-22. Item 5.07 · say-on-pay result. As reported: 99.62%. View filing ↗
- Section 01 trend, Δ column (computed). Computed. Δ = current-FY total − prior-FY total per named officer.
- Section 03b vehicle mix (computed). Computed. RSU / PSU / Options grant-date fair values summed per officer from the grants table; % performance-vested = PSU ÷ (RSU+PSU+Options).
- Section 09b board cost (computed). Computed. Cash 583,000 + equity 1,577,900 + all other 0 = 2,160,900, summed across the director compensation table rows.
- World Acceptance Corp (subject), Section 10b CEO total. DEF 14A, filed 2026-07-22. CEO total compensation as printed in World Acceptance Corp's own proxy. As printed: 2,961,396. View filing ↗