{"filings":[{"id":527996,"accession_number":"0001193125-26-230932","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2026-05-19T20:37:51+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Regional Management approves LTIP awards to NEOs; shareholders reapprove amended equity plan with 432k new shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["PRSU and restricted stock awards granted to CEO Lamba ($2.5M total value), CFO Rana ($1M), and other NEOs; performance period through 2029.","Stockholders re-approved the 2024 LTIP, increasing authorized shares from 381,000 to 813,014 (432k new shares).","All nine director nominees elected; Deloitte ratified as auditor; say-on-pay approved with 90.3% support."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93367,"accession_number":"0001193125-26-204309","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2026-05-04T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Regional Management extends warehouse facility maturities to 2028-2029, reduces RMR VII advance rate","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Extended RMR IV revolving period to May 2027, maturity to May 2028.","Extended RMR V revolving period to Nov 2027, maturity to Nov 2028.","Extended RMR VI revolving period to Apr 2028, maturity to Apr 2029; removed minimum credit score requirement.","RMR VII: advance rate cut to 72.5% under conditions; maturity to Oct 2028; margin reduced to 2.1%.","First Amendment to senior revolving credit facility added definitions for bank-partner-originated receivables pledges."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93366,"accession_number":"0001519401-26-000007","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q1 net income $11.4M, diluted EPS $1.18 (+69% YoY); declares $0.30 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $11.4M, diluted EPS $1.18 (up 69% YoY).","Record first-quarter revenue $167.3M (+9.4% YoY) on portfolio growth to $2.1B (+11.3% YoY).","Operating expense ratio improved to 12.2% (all-time best, down 180 bps YoY).","Declared $0.30/share quarterly dividend, payable June 10, 2026.","Repurchased 207,975 shares at ~$36.06/share in Q1."],"consensus_eps_estimate":null,"consensus_eps_actual":1.18,"consensus_revenue_estimate":null,"consensus_revenue_actual":167290000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104924,"accession_number":"0001193125-26-093989","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2026-03-05T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"Regional Management signs PMA with Column for new installment lending program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Column acts as lender of secured/unsecured loans; RM serves as program manager and servicer.","RM receives marketing, processing, and servicing fees; RM pays monthly platform and usage fees to Column.","Column retains ultimate control over lending terms, underwriting, and product documents; RM must maintain compliance system.","Loans held by Column for a hold period; Column may then offer loans to RM, who must purchase except limited circumstances.","PMA initial term ends March 31, 2031, auto-renews for two-year periods; includes monthly financial covenants."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104923,"accession_number":"0001193125-26-061609","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2026-02-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management files investor presentation with no material new disclosures","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation dated February 2026 to be used in meetings with bankers and investors starting February 23.","Exhibit text contains only legal disclaimers; no financial data, guidance change, or operational updates provided.","No specific numbers, names, or events beyond the fact that a presentation is being made available."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104922,"accession_number":"0001193125-26-037735","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2026-02-04T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q4 EPS $1.30, net income $12.9M (+30% YoY); record revenue $169.7M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $1.30, net income $12.9M, up 32.7% and 30.2% YoY respectively.","Record quarterly revenue $169.7M (+9.6% YoY), driven by 13.1% portfolio growth to $2.1B.","Record originations $537.3M (+12.9% YoY); operating expense ratio improved to 12.4% all-time best.","Net credit loss rate 11.0%, up 20bps YoY (10.8% prior year); 30bps improvement after adjusting for disaster deferrals.","Declared Q1 2026 dividend $0.30/share, payable March 12 to holders of record Feb 19."],"consensus_eps_estimate":null,"consensus_eps_actual":4.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":645598000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121189,"accession_number":"0001193125-25-284761","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-11-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management Corp. provides investor presentation, no material updates disclosed","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation dated November 18, 2025 is available on the company's website.","No specific financial results, guidance changes, or operational metrics were included in the furnished materials.","The presentation contains only general business information and legal disclaimers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121188,"accession_number":"0001193125-25-267026","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["2.02","5.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q3 net income $14.4M, EPS $1.42 (+87% YoY); CEO Beck resigns, Lamba appointed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record total revenue of $165.5M, up 13.1% YoY; net credit loss rate improved 40 bps to 10.2%.","Record originations of $522.3M (+22.5%); net receivables crossed $2.1B, up 12.8%.","CEO Robert Beck resigns Nov 10, 2025; Lakhbir Lamba (former PNC EVP) appointed CEO and director.","Stock repurchase authorization increased from $30M to $60M; Q4 dividend of $0.30/share declared.","Operating expense ratio improved to all-time best 12.8%; revenue growth outpaced G&A by 12x."],"consensus_eps_estimate":null,"consensus_eps_actual":3.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":475896000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121187,"accession_number":"0001193125-25-256443","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-10-29T23:59:59+00:00","items":["1.01","2.03","7.01","8.01","9.01"],"status":"ready","headline":"RM completes $253M asset-backed notes at 4.83% WAC, cuts variable-rate debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$252.8M notes issued in 4 tranches (Class A 4.59%, B 5.00%, C 5.36%, D 6.01%); WAC 4.83%.","47 bps improvement over prior 2025-1 securitization; Class A rated AAA by S&P and Morningstar DBRS.","Proceeds used to pay down variable-rate credit facilities and fully redeem $248.7M 2021-1 notes.","After closing, ~89% of total debt is fixed-rate at 4.7% WAC with 1.2-year weighted-average revolver duration."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121186,"accession_number":"0001193125-25-232651","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-10-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management presents ABS investor deck for Series 2025-2 notes","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation for Series 2025-2 Class A-D notes issued by Regional Management Issuance Trust 2025-2.","Securitization is backed by consumer loan receivables; no deal size or pricing disclosed in excerpt.","Management will use the presentation in meetings with bankers and investors starting October 7, 2025.","Filing includes forward-looking statements and legal disclaimers; final terms to be in offering circular."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137830,"accession_number":"0000950170-25-111237","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-08-25T23:59:59+00:00","items":["1.01","1.02","2.03","9.01"],"status":"ready","headline":"Regional Management Corp. enters new $355M senior revolving credit facility with improved terms","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["New facility of up to $355M, expandable to $420M, with BMO as agent; matures August 2028.","Interest rate spread reduced from 310 bps to 275 bps; maximum leverage increased to 6.0x from 5.25x.","Terminated prior $355M facility that was due September 2025; prior obligations refinanced.","Warehouse facility amendments align definitions with new senior facility; net worth covenant set at 6.0x."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137829,"accession_number":"0000950170-25-100271","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q2 net income $10.1M ($1.03 EPS) up 20% YoY; record revenue and originations","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $10.1M, diluted EPS $1.03, up ~20% YoY; record revenue $157.4M (+10.1%).","Record originations $510.3M (+19.8%); net finance receivables $2.0B (+10.5% YoY).","Credit improvement: 30+ day delinquency 6.6% (-30bps), net credit loss rate 11.9% (-80bps).","Operating expense ratio 13.2%, an all-time best, down 60bps YoY; revenue growth outpaced G&A by 5x.","Declared $0.30 quarterly dividend (unchanged); repurchased 164,692 shares at avg $30.36 in Q2."],"consensus_eps_estimate":null,"consensus_eps_actual":1.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":310409000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155212,"accession_number":"0000950170-25-075845","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["1.01","5.07","9.01"],"status":"ready","headline":"Regional Management Corp. amends credit facility, extends maturity to May 2026, reduces margin to 2.25%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amendment extends Scheduled Commitment Termination Date to May 19, 2026.","Interest margin reduced to 2.25% per annum; unused commitment fee set at 0.50% per annum.","Removed requirement for a Hedge Reserve Account; modified concentration limit and trigger event definitions.","Additional Originators added; eligibility criteria for Eligible Receivables clarified.","Stockholders approved all nine director nominees, ratified Deloitte as auditor, and approved say-on-pay."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155211,"accession_number":"0000950170-25-061093","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q1 net income $7.0M ($0.70 EPS); revenue record $153M, originations up 20.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 net income $7.0M, diluted EPS $0.70; total revenue $153.0M, up 6.0% YoY; record originations $392.1M, +20.2%.","Net finance receivables $1.9B, +8.4% YoY; 30+ day delinquency 7.1%, down 60 bps sequentially.","Net credit loss rate 12.4% vs 10.6% prior year; adjusted for NPL sale benefit, improvement of 120 bps YoY.","Dividend declared $0.30/share, payable June 11, 2025; CFPB closed exam with no adverse finding.","Opened 15 new branches since Sept 2024; closed $265M securitization at 5.3% coupon, 90 bps improvement."],"consensus_eps_estimate":null,"consensus_eps_actual":0.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":152967000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155210,"accession_number":"0000950170-25-049532","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-04-02T23:59:59+00:00","items":["1.01","2.03","7.01","8.01","9.01"],"status":"ready","headline":"Regional Management closes $265M asset-backed securitization; redeems $180M 2020-1 notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$265M notes issued at weighted-average coupon 5.30% (5 bps improvement over prior RMIT 2024-2).","Notes secured by $298M consumer loans; Class A rated AAA by S&P and Morningstar DBRS.","Proceeds used to pay down variable rate debt and fully redeem $180M 2020-1 securitization.","Fixed-rate debt now ~91% of total debt at 4.4% weighted-average coupon; revolving duration 1.3 years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173734,"accession_number":"0000950170-25-042052","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-03-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Regional Management awards LTIP equity to NEOs; Beck gets $1.5M PRSUs and RSUs","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Granted PRSUs to five NEOs (Beck $1.5M target; others $495K-$220K) with TSR and PPOR performance metrics, vesting Dec 31, 2027.","PRSUs can earn 0%-170% of target; earned shares subject to one-year holding period until Dec 31, 2028.","Rana, Fisher, Parmar, Atwood also received restricted stock grants equal to same values, vesting in thirds over 2025-2027.","Beck received RSUs valued at $1.5M, vesting in thirds over 2025-2027, instead of restricted stock.","Awards made under 2024 Long-Term Incentive Plan on March 17, 2025; employment required through vesting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173733,"accession_number":"0000950170-25-038783","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-03-13T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Julie Booth, former Rocket Companies CFO, joins Regional Management Board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointed effective March 13, 2025; board size increased from 8 to 9.","Will serve on the Audit Committee and stand for re-election at the 2025 Annual Meeting.","Booth spent 14 years as CFO of Rocket Companies (NYSE: RKT), leading its 2020 IPO.","Independent director under SEC and NYSE rules; no reportable transactions with company.","Currently interim CFO of a Michigan pharmaceutical startup."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173732,"accession_number":"0000950170-25-025245","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-02-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management furnishes investor presentation; no material financial data in exhibit excerpt","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company furnished a presentation for investor and banker meetings commencing February 24, 2025.","The exhibit text provided contains only legal disclaimers; no specific financial or operational updates are included.","Full presentation is available on the company's website at www.regionalmanagement.com.","No guidance, earnings, or material events were disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173731,"accession_number":"0000950170-25-014509","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2025-02-05T23:59:59+00:00","items":["1.01","2.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q4 net income $9.9M, EPS $0.98; record revenue $154.8M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $9.9M ($0.98 diluted EPS); record revenue $154.8M, up 9.3% YoY.","Net receivables grew $73M sequentially to $1.9B; net credit loss rate 10.8%, 430 bps better YoY.","Declared quarterly dividend $0.30/share, payable March 13, 2025 to holders of record Feb 20, 2025.","Credit agreement amendment reduced interest margin to 2.05% and extended commitment termination to Feb 2027.","Management expects minimum 10% portfolio growth and meaningful net income improvement in 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":4.14,"consensus_revenue_estimate":null,"consensus_revenue_actual":588503000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190712,"accession_number":"0000950170-24-135401","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-12-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management Corp. Discloses Investor Presentation for December 2024","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Presentation to be used in meetings with bankers, investors, and others commencing December 12, 2024.","Presentation attached as Exhibit 99.1 and available on the company's website at www.regionalmanagement.com.","Harpreet Rana, Executive Vice President and CFO, signed the report on December 11, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190711,"accession_number":"0000950170-24-132305","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-12-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Regional Management Corp. authorizes $30M share buyback, targets 10-12% portfolio growth in 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized $30 million stock repurchase program through December 31, 2026.","Management sees stock as undervalued; buybacks may be made under Rule 10b5-1 plan.","Expects ending net receivables growth of 10-12% in 2025, up from ~6% in 2024.","Will open 10 new branches in Q4 2024/Q1 2025 and up to 10 more in H2 2025.","Growth driven by auto-secured and small loan portfolios; new states since 2020 expanded addressable market 80%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190710,"accession_number":"0000950170-24-131517","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-11-27T23:59:59+00:00","items":["1.01","2.03","7.01","8.01","9.01"],"status":"ready","headline":"Regional Management completes $250M securitization at 5.34% WAC, pays off 7.51% notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $250M asset-backed notes at weighted-average coupon 5.34%, an 85 bps improvement over prior 2024-1 deal.","Proceeds used to fully redeem RMIT 2022-2B notes (original WAC 7.51%), refinancing at lower cost.","Deal was 5.4x oversubscribed; Class A notes rated AAA by S&P and DBRS; secured by $284M receivables with 2-year revolving period.","Post-closing, fixed-rate debt is ~83% of total debt, with a 4.1% WAC and 1.4-year weighted-average revolving duration.","Also amended warehouse facility extending Scheduled Commitment Termination Date to November 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190709,"accession_number":"0000950170-24-125432","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management Corp. distributes ABS investor presentation for Series 2024-2 securitization","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation dated Nov 13, 2024, for proposed Regional Management Issuance Trust 2024-2 securitization.","Offering includes Series 2024-2 Class A, B, C, and D Notes backed by consumer loan receivables.","Presentation used in meetings with bankers and investors starting November 13, 2024.","Contains forward-looking statements about the Company's business and securitization market."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190708,"accession_number":"0000950170-24-122367","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q3 2024 net income $7.7M ($0.76 EPS) with $4.3M hurricane impact","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $7.7M ($0.76 diluted EPS) inclusive of $4.3M ($0.42/share) hurricane impact.","Record revenue $146.3M (+3.9% YoY) and net receivables $1.82B (+3.9% YoY).","Net credit loss rate 10.6% (improved 40 bps YoY); 30+ day delinquency 6.9% (improved 40 bps).","Q4 dividend $0.30/share declared, payable Dec 11, 2024 to holders of record Nov 21.","Operating expense ratio 13.9% (improved 50 bps YoY); G&A expenses up only 0.6% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":3.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":433671000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190707,"accession_number":"0000950170-24-113583","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-10-08T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Regional Management Corp. increases credit facility to $125M, extends to Oct 2026, reduces pricing margin to 2.40%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Credit facility commitment increased 67% from $75M to $125M for subsidiary RMR VII.","Scheduled Commitment Termination Date extended to October 15, 2026.","Interest rate margin reduced to 2.40% per annum; unused commitment fee cut to 0.40%.","Advance rate set at 76.0% (72.5% during Level I Trigger Event); eligibility criteria clarified.","Additional subsidiaries added as 'Originators' under the credit agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207185,"accession_number":"0000950170-24-088606","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-07-31T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q2 net income $8.4M, EPS $0.86, revenue $143M, declares $0.30 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.4M, diluted EPS $0.86, up 37% from $0.63 YoY.","Total revenue $143M, +7.1% YoY; net finance receivables $1.8B, +5% YoY.","30+ day delinquency stable at 6.9%; net credit loss rate improved 40 bps to 12.7% annualized.","Operating expense ratio 13.8%; G&A $60.1M.","Q3 dividend $0.30/share, payable Sep 12, record Aug 21."],"consensus_eps_estimate":null,"consensus_eps_actual":2.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":287333000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224551,"accession_number":"0000950170-24-075316","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-06-20T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"RM completes $187.3M asset-backed securitization (RMIT 2024-1) at 6.19% weighted-average coupon","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $187.305M in four classes of notes (Class A 5.83%, B 6.45%, C 6.77%, D 7.46%); weighted-average coupon 6.19%.","Secured by $215.7M consumer loan pool; 3-year revolving period; Class A notes rated AAA by S&P and Morningstar DBRS.","Proceeds used to repay part of senior revolving credit facility and warehouse debt, reducing interest rate exposure.","Fixed-rate debt now 87% of total debt at 4.1% weighted-average coupon with 1.2-year weighted-average revolving duration.","Coupon improved 132 bps vs prior RMIT 2022-2B securitization, reflecting lower cost of capital."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224544,"accession_number":"0000950170-24-075342","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K/A","filed_at":"2024-06-20T23:59:59+00:00","items":["1.01","1.03","2.03","7.01","9.01"],"status":"ready","headline":"Regional Management Corp. completes $187.3M ABS notes at 6.19% WAC, 132 bps lower","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$187.3M ABS notes issued at weighted-average coupon 6.19%, 132 bps improvement over prior RMIT 2022-2B.","Secured by $215.7M consumer loan receivables; 3-year revolving period ending May 2027.","Class A notes rated 'AAA' by S&P and Morningstar DBRS; all notes investment-grade.","Proceeds used to repay existing debt under senior revolver and warehouse facilities.","Fixed-rate debt at closing: 87% of total debt, WAC 4.1%, weighted-average revolving duration 1.2 years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224550,"accession_number":"0000950170-24-069377","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-06-05T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Regional Management Corp. grants LTIP awards to NEOs; Beck gets $3M in PRSUs and RSUs","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["PRSU grant values: Beck $1,500,000; Rana $445,000; Fisher $337,500; Parmar $272,500.","PRSUs vest based on cumulative TSR from June 3, 2024 to June 3, 2027; payout 0%-150% of target.","Excluding Beck, each NEO received restricted stock of same grant value vesting 1/3 annually on Dec 31, 2024-2026.","Beck also received $1,500,000 in RSUs vesting 1/3 annually on Dec 31, 2024-2026.","All awards are under the 2024 Long-Term Incentive Plan and subject to continued employment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224543,"accession_number":"0000950170-24-063657","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K/A","filed_at":"2024-05-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management files 8-K/A correcting key portfolio metrics in investor slide 27","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Corrected Total ENR dollar amount and portfolio mix percentages on slide 27.","Corrected Total 30+ delinquency dollar amount, portfolio mix percentages, and rates.","Corrected Total loan loss reserve dollar amount, portfolio mix percentages, and rates.","Corrected Total loan loss reserves as a percentage of ENR in footnote 4."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224549,"accession_number":"0000950170-24-063071","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management Corp. initiates marketing of Series 2024-1 ABS notes","summary_kind":"llm","event_type":"debt","confidence":"low","bullets":["Begins investor meetings on May 22, 2024 for a proposed asset-backed securitization (Series 2024-1).","Offering includes Class A, B, C, and D notes issued by Regional Management Issuance Trust 2024-1.","Presentation used for meetings with bankers and investors; no specific terms disclosed in the filing.","Company seeks to raise capital through securitization of consumer loan receivables."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224548,"accession_number":"0000950170-24-062421","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-05-20T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Shareholders approve new 2024 Long-Term Incentive Plan, authorizing up to 381,000 new shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders approved 2024 Long-Term Incentive Plan (7.2M For, 0.8M Against), authorizing up to 381,000 new shares plus carry-over from prior plan.","All eight director nominees elected; votes For ranged from 5.9M (Contreras-Sweet) to 7.95M (Brown).","Ratification of Deloitte as independent auditor passed with 8.68M For, 44,720 Against.","Advisory vote on executive compensation approved with 5.44M For (67.5%), 2.62M Against.","Stockholders selected annual frequency for future advisory votes on executive compensation (7.19M For one year)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224547,"accession_number":"0000950170-24-055698","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Regional Management furnishes investor presentation for May 2024 meetings","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation dated May 9, 2024, to be used in meetings with bankers and investors.","Presentation available on company website; no specific financial results or guidance disclosed in the filing.","Filing made under Regulation FD; presentation content not fully included in the 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224546,"accession_number":"0000950170-24-051309","cik":1519401,"company_name":"Regional Management Corp.","ticker":"RM","form_type":"8-K","filed_at":"2024-05-01T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Regional Management Q1 net income $15.2M, EPS $1.56 (up 73% YoY); declares $0.30 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $15.2M, diluted EPS $1.56 vs $0.90 prior year; record quarterly revenue $144.3M (+6.6%).","Total revenue yield 32.8% (+80 bps YoY); provision for credit losses $46.4M (-2.6%).","Annualized net credit losses 10.6% (vs 10.1% prior year); 30+ day delinquency improved to 7.1% (-10 bps).","Board declared $0.30 quarterly dividend payable June 12, 2024 to holders of record May 22, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":144308000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335821011.48043776,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}