NYSE$RM
Regional Management Corp · Q2 2025 earnings
Q2 2025 earnings · · After market close · Investor relations
Briefing
Regional Management Corp reported Q2 2025 net income of $10.1 million on revenue of $157.4 million with improved credit metrics.
Regional Management Corp delivered revenue of $157.4 million for the quarter ended June 30, 2025, up 10.1% year-over-year, driven by 9.4% growth in average net finance receivables. Net income rose 20.1% to $10.1 million as the net credit loss rate improved 80 basis points to 11.9%. The company maintained a funded debt-to-equity ratio of 4.2x and operated 352 branches at period end.
- Total revenue grew 10.1% YoY to $157.4 million on higher average net finance receivables of $1.91 billion.
- Net credit loss rate improved to 11.9% from 12.7% and delinquency rate declined to 6.6%.
- Net finance receivables reached $1.96 billion, up 10.5% YoY, with large loans growing 11.6%.
- Operating expense ratio improved to 13.2% and funded debt-to-equity stood at 4.2x.
Headline financials
Revenue & EPS history
Regional Management · Revenue · Quarterly
$157M
Revenue by segment
Regional Management · $16.7M total across 2 segments · Q2 2025
- Insurance Income, Net$11.5M—68.7%
- Other Income$5.25M—31.3%
Forward guidance
Company continues barbell growth strategy balancing higher-margin loans with auto-secured portfolio while monitoring macroeconomic conditions.
Tailwinds
- Portfolio growth in both large and small loans
- Improved credit quality metrics
Headwinds
- Macroeconomic uncertainty from inflation and interest rates may affect allowance and losses
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports
+0.0%
Avg return
Earnings day
+0.5%
Avg return
5 days after
+1.1%
Avg return
30 days after
51%
31 / 61 earnings
Positive
+28.7%
Q4 2017
Best reaction
-34.9%
Q3 2014
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q2 2025 | — | — | — | |
| Q1 2026 | -2.9% | -9.6% | -5.5% | |
| Q4 2025 | -14.6% | -13.9% | -20.1% | |
| Q3 2025 | -10.3% | -7.4% | -10.2% | |
| Q1 2025 | -16.2% | -13.6% | -19.7% | |
| Q4 2024 | -0.9% | -0.7% | -13.2% | |
| Q3 2024 | +3.9% | +2.3% | +12.2% | |
| Q2 2024 | -2.3% | -8.5% | +6.1% | |
| Q1 2024 | +8.4% | +20.7% | +9.1% | |
| Q4 2023 | -3.6% | -11.1% | -0.8% | |
| Q3 2023 | -9.7% | -11.1% | -6.5% | |
| Q2 2023 | -1.3% | -6.8% | -13.9% | |
| Q1 2023 | +3.0% | +4.4% | +6.7% | |
| Q4 2022 | -6.4% | -9.8% | -24.4% | |
| Q3 2022 | -13.2% | -15.3% | -10.7% | |
| Q2 2022 | +0.3% | -4.4% | -18.2% | |
| Q1 2022 | +6.6% | +1.1% | +4.2% | |
| Q4 2021 | +5.6% | +3.7% | -13.1% | |
| Q3 2021 | +12.5% | +14.3% | +7.8% | |
| Q2 2021 | +14.5% | +13.8% | +12.7% | |
| Q1 2021 | +9.5% | +12.7% | +22.5% | |
| Q4 2020 | +8.3% | +7.5% | +21.1% | |
| Q3 2020 | +2.5% | +16.6% | +38.0% | |
| Q2 2020 | +2.7% | +8.2% | +11.8% | |
| Q1 2020 | +1.1% | -6.6% | +48.6% | |
| Q4 2019 | +1.9% | -9.3% | -41.1% | |
| Q3 2019 | +15.2% | +13.5% | +6.2% | |
| Q2 2019 | +5.1% | +4.5% | +2.8% | |
| Q1 2019 | -5.1% | -3.0% | -0.5% | |
| Q4 2018 | +4.8% | +1.5% | -2.2% | |
| Q3 2018 | -4.4% | -4.1% | -12.5% | |
| Q2 2018 | +2.9% | +2.8% | +4.5% | |
| Q1 2018 | +5.0% | +7.0% | +8.6% | |
| Q4 2017 | +28.7% | +20.4% | +16.9% | |
| Q3 2017 | +4.4% | -1.2% | +9.4% | |
| Q2 2017 | -0.7% | -1.2% | -8.5% | |
| Q1 2017 | +6.2% | +4.1% | +5.2% | |
| Q4 2016 | -10.1% | -9.5% | -20.6% | |
| Q3 2016 | +2.7% | -0.7% | +11.8% | |
| Q2 2016 | +6.8% | +8.5% | +19.6% | |
| Q1 2016 | -11.7% | — | — | |
| Q4 2015 | -3.8% | — | — | |
| Q3 2015 | +0.1% | — | — | |
| Q2 2015 | +8.1% | — | — | |
| Q1 2015 | +13.2% | — | — | |
| Q4 2014 | -5.1% | — | — | |
| Q3 2014 | -34.9% | — | — | |
| Q2 2014 | +5.6% | — | — | |
| Q1 2014 | -31.2% | — | — | |
| Q4 2013 | -7.4% | — | — | |
| Q3 2013 | -3.7% | — | — | |
| Q2 2013 | +12.7% | — | — | |
| Q1 2013 | +7.9% | — | — | |
| Q4 2010 | -0.3% | — | — | |
| Q4 2012 | +2.6% | — | — | |
| Q3 2011 | -1.3% | — | — | |
| Q3 2012 | -1.7% | — | — | |
| Q2 2012 | -3.4% | — | — | |
| Q2 2011 | -3.4% | — | — | |
| Q1 2012 | -0.6% | — | — | |
| Q1 2011 | -0.6% | — | — | |
| Q4 2011 | -0.6% | — | — | |
| Q3 2010 | — | — | — | |
| Q2 2010 | — | — | — | |
| Q1 2010 | — | — | — |
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