NYSE$RM

Regional Management Corp · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Regional Management reported Q4 2025, revenue of $169.7M, net income of $12.9M, diluted EPS of $1.30.

For Q4 2025, Regional Management reported revenue of $169.7M, net income of $12.9M, diluted EPS was $1.30. Management discusses segment performance, capital allocation, and macro risks in the quarterly filing.

  • Revenue $169.7M.
  • Net income $12.9M.
  • Diluted EPS $1.30.

Headline financials

Total Revenue

$170M

Previous: $155M+9.6%
EPS (adj)

$1.30

Previous: $0.98+32.7%
Net finance receivables growth

13.1%

No prior period
Net credit loss rate

11.0%

Previous: 10.8%+1.9%
Operating expense ratio

12.4%

Previous: 14.0%-11.4%
Total originations

$537M

Previous: $476M+12.9%
Total revenue yield

32.5%

Previous: 33.4%-2.7%
Allowance for credit losses rate

10.3%

Previous: 10.5%-1.9%
30+ day delinquencies

7.5%

Previous: 7.7%-2.6%
Large loan delinquency rate

6.3%

Previous: 6.6%-4.5%
Small loan delinquency rate

11.2%

Previous: 10.4%+7.7%
Funded debt-to-equity ratio

4.4

No prior period
Stockholders' equity ratio

17.7%

No prior period
Number of branches

353

Previous: 344+2.6%
Book value per share

$39.05

Previous: $35.67+9.5%
Auto-secured receivables growth

42.4%

No prior period
Customer accounts growth

2.7%

No prior period
Net Income

$12.9M

Previous: $9.9M+30.3%
Operating Income

$16.2M

Previous: $12.8M+26.7%

Revenue & EPS history

Regional Management · Revenue · Quarterly

$170M

Q4 2025+9.6%vs Q4 2024
Beat estimate in 9 of 14 quarters(64%)
ActualEstimate

Revenue by segment

Regional Management · $15.4M total across 2 segments · Q3 2022

  • Insurance income, net
    $12M+27.3%
  • Other income
    $3.45M+28.2%

Forward guidance

The quarterly filing discusses operating priorities, capital returns, and sector risks; numeric multi-quarter bridges vary by issuer.

Tailwinds

  • MD&A highlights liquidity, capital, and core business trends.
  • Segment or product commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure near-term margins.
  • One-time items can affect year-over-year comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+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

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
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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