{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-037209","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2023-08-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.175812+00:00","generated_at":"2026-06-12T13:06:34.400143+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Regional Management Q2 net income $6.0M, EPS $0.63; revenue up 8.6% to $133.5M","bullets":["Diluted EPS $0.63 on net income $6.0M; revenue $133.5M +8.6% YoY on higher average net finance receivables.","Net finance receivables $1.7B (+10.7% YoY); large loan portfolio up 16.8% to $1.2B.","30+ day contractual delinquencies 6.9% (down 30 bps seq) with allowance $181.4M (10.7% of receivables).","Provision for credit losses $52.6M (+15.8% YoY); annualized net credit losses 13.1% vs 10.0% prior year.","Operating expense ratio improved 110 bps to 13.6%; quarterly dividend $0.30 declared, payable Sept 14, record Aug 23."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-037209","json":"https://secwatch.observer/filing/0000950170-23-037209.json","markdown":"https://secwatch.observer/filing/0000950170-23-037209.md","text":"https://secwatch.observer/filing/0000950170-23-037209.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000095017023037209/0000950170-23-037209-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000095017023037209/rm-20230802.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T13:06:34.400143+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"e66c972a72dc651d6592919a35f53a6e90152b51","claim":"Regional Management Corp. reported second quarter 2023 results: revenue $133.5 million, net income $6.0 million, EPS $0.63.","evidence_excerpt":"Second Quarter 2023 Highlights • Net income for the second quarter of 2023 was $6.0 million and diluted earnings per share was $0.63. • Net finance receivables as of June 30, 2023 were $1.7 billion, an increase of $163.3 million, or 10.7%, from the prior-year period. - Large loan net finance receivables of $1.2 billion increased $178.5 million, or 16.8%, from the prior-year period and represented 73.3% of the total loan portfolio, compared to 69.4% in the prior-year period. - Small loan net finance receivables were $444.6 million, a decrease of 2.3% from the prior-year period. - Total loan originations were $399.0 million in the second quarter of 2023, a decrease of $27.3 million, or 6.4%, from the prior-year period. • Total revenue for the second quarter of 2023 was $133.5 million, an increase of $10.6 million, or 8.6%, from the prior-year period.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1519401/000095017023037209/0000950170-23-037209-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter 2023"},{"label":"Revenue","value":"$133.5 million"},{"label":"Net income","value":"$6.0 million"},{"label":"EPS","value":"$0.63"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}