Regional Management Corp
NYSE:RM
Regional Management Corp
Regional Management Corp. engages in the provision of consumer financial services. The company is headquartered in Greer, South Carolina and currently employs 1,691 full-time employees. The company went IPO on 2012-03-28. The firm provides instalment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. Its products include small, large, and retail instalment loans. The company offers small instalment loans with cash proceeds to customers ranging from $500 to $2,500, with terms of up to 48 months. The company offers large instalment loans with cash proceeds to customers ranging from $2,501 to $25,000, with terms between 18 and 60 months. The company offers indirect retail instalment loans of up to $7,500, with terms between six and 48 months, which are secured by the purchased items. The company offers its customers optional payment and collateral protection insurance relating to various of its loan products, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance. The company operates under the name Regional Finance.
Regional Management Corp. engages in the provision of consumer financial services. The company is headquartered in Greer, South Carolina and currently employs 1,691 full-time employees. The company went IPO on 2012-03-28. The firm provides instalment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. Its products include small, large, and retail instalment loans. The company offers small instalment loans with cash proceeds to customers ranging from $500 to $2,500, with terms of up to 48 months. The company offers large instalment loans with cash proceeds to customers ranging from $2,501 to $25,000, with terms between 18 and 60 months. The company offers indirect retail instalment loans of up to $7,500, with terms between six and 48 months, which are secured by the purchased items. The company offers its customers optional payment and collateral protection insurance relating to various of its loan products, including credit life insurance, accident and health insurance, involuntary unemployment insurance, and personal property insurance. The company operates under the name Regional Finance.
Strong Quarter: Regional Management delivered robust Q4 results, with net income up 33% year-over-year and exceeding prior guidance.
Record Revenue & Growth: Quarterly revenue hit a record $170 million, fueled by strong loan originations and portfolio growth.
Credit Quality: Credit performance improved, with delinquency and net credit loss rates both down compared to last year.
Expense Discipline: Operating expense ratio improved to an all-time best of 12.4% in Q4, down 160 basis points year-over-year.
Guidance: For 2026, management expects net receivables growth of at least 10% and net income growth of 20–25%.
Strategic Priorities: Focus remains on expanding the auto-secured portfolio, geographic branch expansion, investing in technology and analytics, and developing bank partnership capabilities.
