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Regional Management
Regional Management (RM) investor relations material
Regional Management Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Net income for Q4 2025 was $12.9M, up 33% year-over-year, and full-year net income reached $44.4M, up over 8% year-over-year, both exceeding guidance.
Record originations of $2.0B for the year (up 19% YoY) and $537M in Q4 (up 13% YoY), with net receivables growing 13% to $2.1B.
Opened 17 new branches in 2025, contributing to expansion, revenue growth, and portfolio growth.
Focused on responsible portfolio growth, credit performance, operating efficiency, and strategic investments in technology and analytics.
Auto-secured portfolio grew 42% YoY to $294.3M, now 13.7% of the portfolio, with continued expansion into new markets.
Financial highlights
Q4 net income: $12.9M; diluted EPS: $1.30, both up over 30% YoY and exceeded guidance.
Full-year net income: $44.4M, up over 8% YoY; diluted EPS: $4.45, up over 7% YoY.
Q4 revenue: $170M (up 10% YoY); full-year revenue: $2.0B in originations (up 19% YoY).
Operating expense ratio improved to 12.4% in Q4 (down 160 bps YoY), a historic best.
Return on equity for Q4 was 13.8%, up 270 bps YoY; return on assets was 2.5%, up 40 bps.
Outlook and guidance
2026 guidance: Ending Net Receivables growth of at least 10% and net income growth of 20%-25%.
Q1 2026 expected to show seasonal contraction in net receivables due to higher tax refunds, with demand rebounding post-tax season.
Long-term net credit loss rate target under 10%, with continuous improvement expected.
Management confident in continued growth, supported by platform strength, auto-secured expansion, and technology investments.
Substantial unused capacity of $511M and available liquidity of $149M at year-end 2025 to support future growth.
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Next Regional Management earnings date
Q1 202629 Apr, 2026
Regional Management
Next Regional Management earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Regional Management Corp is a consumer finance company providing personal loans, credit insurance, and other financial products. The company operates a branch-based lending model across the southeastern and southwestern United States. The company is headquartered in Greer, South Carolina, and its shares are listed on the NYSE.
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