{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-057488","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2023-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.346891+00:00","generated_at":"2026-06-09T02:29:26.068058+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Regional Management Q3 net income $8.8M ($0.91 EPS); revenue $140.9M +7.2% YoY","bullets":["Diluted EPS $0.91, net income $8.8M; total revenue $140.9M, up 7.2% vs prior year.","Net finance receivables $1.8B, up 8.9% YoY; large loan portfolio grew 13.9%.","Provision for credit losses $50.9M (+5.9% YoY); annualized net credit losses 11.0% vs 9.1%.","30+ day contractual delinquency 7.3%, up 10 bps YoY; allowance for credit losses $184.9M.","Board declared $0.30/share quarterly dividend, payable Dec 13, 2023 to holders of record Nov 22."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-057488","json":"https://secwatch.observer/filing/0000950170-23-057488.json","markdown":"https://secwatch.observer/filing/0000950170-23-057488.md","text":"https://secwatch.observer/filing/0000950170-23-057488.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000095017023057488/0000950170-23-057488-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000095017023057488/rm-20231101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T02:29:26.068058+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":"6691e96845ebb16b4e20489c2d917e9829988807","claim":"Regional Management Corp. reported the third quarter ended September 30, 2023 results: revenue $140.9 million, net income $8.8 million, EPS $0.91.","evidence_excerpt":"of net income and $0.91 of diluted EPS. Strong loan demand and our conservative underwriting criteria led to high-quality portfolio growth of $62 million, record revenue of $141 million, and a sequential increase in revenue yields of 80 basis points. We also continued to manage our expenses closely while furthering our strategic initiatives, driving a 50 basis","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1519401/000095017023057488/0000950170-23-057488-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ended September 30, 2023"},{"label":"Revenue","value":"$140.9 million"},{"label":"Net income","value":"$8.8 million"},{"label":"EPS","value":"$0.91"},{"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"}