Fiscal year 2026 executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.
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.
| 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.
| 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 | — | — | — |
| J. Tobin Turner | 2,961,396 | — | — | — |
| Luke Umstetter | 2,802,699 | — | — | — |
| 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.
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 ↗ |
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.
| 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 | — | — | 1,800 | — | 284,022 |
| John Calmes Jr. | RSU | 2025-06-10 | — | — | 6,000 | — | 946,740 |
| J. Tobin Turner | RSU | 2026-02-17 | — | — | 2,500 | — | 336,625 |
| J. Tobin Turner | RSU | 2025-06-10 | — | — | 7,200 | — | 1,136,088 |
| R. Chad Prashad | RSU | 2025-06-10 | — | — | 28,000 | — | 4,418,120 |
| John Calmes Jr. | RSU | 2025-06-10 | — | — | 16,000 | — | 2,524,640 |
| J. Tobin Turner | RSU | 2026-02-17 | — | — | 6,000 | — | 807,900 |
| D. Clinton Dyer | RSU | 2025-06-10 | — | — | 3,000 | — | 473,370 |
| Luke Umstetter | RSU | 2025-06-10 | — | — | 3,000 | — | 473,370 |
| R. Chad Prashad | RSU | 2025-06-10 | — | — | 8,000 | — | 1,262,320 |
| Luke Umstetter | RSU | 2025-06-10 | — | — | 12,000 | — | 1,893,480 |
| Named executive officer | Time-vested (RSU) | Performance-vested (PSU) | Options / SARs | % performance-vested |
|---|---|---|---|---|
| D. Clinton Dyer | $1,735,690 | $0 | $0 | 0.0% |
| J. Tobin Turner | 2,564,635 | 0 | 0 | 0.0% |
| John Calmes Jr. | 3,471,380 | 0 | 0 | 0.0% |
| R. Chad Prashad | 5,680,440 | 0 | 0 | 0.0% |
| Luke Umstetter | 2,366,850 | 0 | 0 | 0.0% |
% performance-vested = PSU grant-date fair value ÷ (RSU + PSU + Options), a computed value with the derivation shown in the register.
| Executive | Award | Shares unvested | Exercise price | Market value unvested |
|---|---|---|---|---|
| R. Chad Prashad | PSU | 8,000 | — | $1,080,320 |
| R. Chad Prashad | RSU | 28,000 | — | 3,781,120 |
| John Calmes Jr. | RSU | 16,000 | — | 2,160,640 |
| Luke Umstetter | RSU | 12,000 | — | 1,620,480 |
| J. Tobin Turner | PSU | 4,300 | — | 580,672 |
| J. Tobin Turner | RSU | 13,200 | — | 1,782,528 |
| John Calmes Jr. | PSU | 6,000 | — | 810,240 |
| Luke Umstetter | PSU | 3,000 | — | 405,120 |
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 |
| 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.
| 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.
| Ratio (CEO : median employee) | 136 : 1 |
|---|---|
| CEO total compensation | $6,713,430 |
| Median employee compensation | $49,372 |
| Director | Cash fees | Stock awards | Option awards | Non-equity incentive | All other | Total |
|---|---|---|---|---|---|---|
| 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 |
| Charles D. WayIndependent · Audit and Compliance (Chair) · Compensation and Stock Option | 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 |
| 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 | — |
| 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.
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 | 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.
Each figure's location is given both for the eye (section · page · table · row · column) and for a script (table/row/column index and exact character span in the filed document). Any figure can be independently confirmed against the source.
| # | Supports | Document | Filed | Accession | Location in document |
|---|---|---|---|---|---|
| 1 | Section 01, R. Chad Prashad | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “2026 Summary Compensation Table”. As printed: 6,713,430. Filing ↗machine: r2 · c27 · span 359917–359926 |
| 2 | Section 01, John Calmes Jr. | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “2026 Summary Compensation Table”. As printed: 4,137,302. Filing ↗machine: t32 · span 367595–367604 |
| 3 | Section 01, J. Tobin Turner | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “2026 Summary Compensation Table”. As printed: 2,961,396. Filing ↗machine: r18 · c27 · span 390709–390718 |
| 4 | Section 01, Luke Umstetter | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “2026 Summary Compensation Table”. As printed: 2,802,699. Filing ↗machine: r14 · c27 · span 382999–383008 |
| 5 | Section 01, D. Clinton Dyer | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “2026 Summary Compensation Table”. As printed: 2,377,746. Filing ↗machine: r10 · c27 · span 375302–375311 |
| 6 | Section 03, D. Clinton Dyer RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r17 · c5 · span 432945–432954 |
| 7 | Section 03, J. Tobin Turner RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards for Fiscal Year 2026” · grants of plan-based awards table. Filing ↗machine: t34 · r25 · c6 · span 438500–438507 |
| 8 | Section 03, John Calmes Jr. RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r10 · c6 · span 428365–428372 |
| 9 | Section 03, J. Tobin Turner RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r29 · c5 · span 442002–442009 |
| 10 | Section 03, J. Tobin Turner RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r27 · c5 · span 439702–439711 |
| 11 | Section 03, R. Chad Prashad RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r6 · c5 · span 425916–425925 |
| 12 | Section 03, John Calmes Jr. RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r12 · c5 · span 429568–429577 |
| 13 | Section 03, J. Tobin Turner RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r28 · c5 · span 440669–440676 |
| 14 | Section 03, D. Clinton Dyer RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r15 · c6 · span 431743–431750 |
| 15 | Section 03, Luke Umstetter RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r20 · c6 · span 435122–435129 |
| 16 | Section 03, R. Chad Prashad RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r4 · c6 · span 424711–424720 |
| 17 | Section 03, Luke Umstetter RSU | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t34 · r22 · c5 · span 436325–436334 |
| 18 | Section 07, pay ratio | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “CEO Pay Ratio”. As printed: 136 : 1. Filing ↗machine: span 129615–129621 |
| 19 | Section 08, Ken R. Bramlett Jr | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Director Compensation”. As printed: 425,580. Filing ↗machine: t46 · r2 · c5 · span 690378–690386 |
| 20 | Section 08, Charles D. Way | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Director Compensation”. As printed: 425,580. Filing ↗machine: t46 · r4 · c5 · span 693398–693405 |
| 21 | Section 08, Benjamin E. Robinson III | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Director Compensation”. As printed: 403,580. Filing ↗machine: t46 · r7 · c5 · span 697941–697948 |
| 22 | Section 08, Elizabeth R. Neuhoff | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Director Compensation”. As printed: 403,580. Filing ↗machine: t46 · r6 · c5 · span 696423–696430 |
| 23 | Section 08, Darrell E. Whitaker | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Director Compensation”. As printed: 403,580. Filing ↗machine: t46 · r5 · c5 · span 694910–694917 |
| 24 | Section 08, Scott J. Vassalluzzo | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Director Compensation”. As printed: 99,000. Filing ↗machine: t46 · r3 · c1 · span 690896–690902 |
| 25 | Section 08, R. Chad Prashad | DEF 14A | 2026-07-22 | 0000108385-26-000029 | Section “Director Compensation”. As printed: 0. Filing ↗ |
| 26 | Section 02, John Calmes Jr. 2026-07-30 | Form 4 | 2026-07-31 | 0001593516-26-000004 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 27 | Section 06, 2026 vote | Form 8-K | 2026-08-19 | 0000108385-26-000039 | Item 5.07 · say-on-pay result. As reported: 80.62% (votes for as printed: 2,947,606). Filing ↗ |
| 28 | Section 06, 2025 vote | Form 8-K | 2025-08-22 | 0000108385-25-000081 | Item 5.07 · say-on-pay result. As reported: 97.49% (votes for as printed: 4,459,675). Filing ↗ |
| 29 | Section 06, 2024 vote | Form 8-K | 2024-08-22 | 0000108385-24-000041 | Item 5.07 · say-on-pay result. As reported: 99.62%. Filing ↗ |
| 30 | Section 01 trend, Δ column (computed) | Computed | — | computed | Δ = current-FY total − prior-FY total per named officer.machine: formula: Δ = FY(n) − FY(n−1) |
| 31 | Section 03b vehicle mix (computed) | Computed | — | computed | RSU / PSU / Options grant-date fair values summed per officer from the grants table; % performance-vested = PSU ÷ (RSU+PSU+Options).machine: formula: sums + PSU ratio |
| 32 | Section 09b board cost (computed) | Computed | — | computed | Cash 583,000 + equity 1,577,900 + all other 0 = 2,160,900, summed across the director compensation table rows.machine: formula: Σ = 2,160,900 |
| 33 | World Acceptance (subject), Section 10b CEO total | DEF 14A | 2026-07-22 | 0000108385-26-000029 | CEO total compensation as printed in World Acceptance's own proxy. As printed: 2,961,396. Filing ↗machine: r18 · c27 · span 390709–390718 |