---
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"
generated_at: "2026-06-09T02:29:26.068058+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Regional Management Q3 net income $8.8M ($0.91 EPS); revenue $140.9M +7.2% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-057488
- JSON: https://secwatch.observer/filing/0000950170-23-057488.json
- Plain text: https://secwatch.observer/filing/0000950170-23-057488.txt

## Key facts
- Earnings Releases
  Regional Management Corp. reported the third quarter ended September 30, 2023 results: revenue $140.9 million, net income $8.8 million, EPS $0.91.
  - Period: the third quarter ended September 30, 2023
  - Revenue: $140.9 million
  - Net income: $8.8 million
  - EPS: $0.91
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1519401/000095017023057488/0000950170-23-057488-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.